Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Swath API and website (the "Service"), operated by Swath ("we", "us"). By creating an API key or making a request to the Service, you agree to these Terms.

1. The Service

Swath provides storm-exposure data for real property: hail and wind events detected and measured from publicly available NOAA Multi-Radar/Multi-Sensor (MRMS) radar data, joined against county parcel and building-permit records, and delivered via REST API, webhooks, and an MCP server.

2. No guarantee of accuracy; not an insurance determination

Radar-derived estimates are estimates. MESH hail size, wind fields, swath geometry, exposure scores, roof-age estimates, and all other outputs are algorithmic derivations from remote sensing and public records. They may be incomplete, delayed, or wrong for any given property or event. We provide the Service "as is" and "as available", without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

Swath output is not an insurance determination. Nothing in the Service constitutes a determination of loss, a claims decision, an appraisal, an engineering assessment, or advice of any kind. Do not use the Service as the sole basis for denying, approving, or valuing an insurance claim, extending credit, or making an eligibility decision about any person.

3. API keys and fair use

• You are responsible for keeping your API keys secret and for all usage under them.
• Respect the published rate limits and credit allowances for your plan. Circumventing metering, rotating accounts to avoid limits, scraping the public site in place of the API, or probing the Service for vulnerabilities is prohibited.
• We may throttle, suspend, or revoke keys that endanger the Service or violate these Terms. Failed requests are never billed.

4. Data licensing and resale

• You receive a non-exclusive, non-transferable license to use data returned by the Service inside your own applications and workflows, including white-label products where the data is materially transformed or combined with your own.
• You may not resell, redistribute, or sublicense raw parcel or property records obtained from the Service as a standalone dataset, or use them to build or seed a competing property-data product. Parcel data is licensed to us by third-party vendors and county sources; that license does not flow through for bulk redistribution.
• Storm detection outputs derived from NOAA MRMS (event timing, severity, swath geometry) may be displayed publicly with attribution to Swath.

5. Compliance is your responsibility

If you use the Service for outreach — calls, texts, mail, or door-knocking — you are solely responsible for compliance with applicable law, including the TCPA, state telemarketing statutes, do-not-call registries, and licensing rules for contractors and adjusters in the relevant jurisdiction.

6. Fees

Paid plans are billed monthly in advance at the prices shown on the pricing page. Usage beyond a plan's included credits is metered and billed as overage at the per-credit rates shown at checkout; overage may be invoiced mid-cycle once accrued usage crosses a threshold. Launch pricing is honored for accounts while continuously subscribed. We may change prices for future billing periods with at least 30 days' notice.

Refunds. The Service delivers digital data that cannot be returned. Charges for credits consumed — API responses served, reports generated, records delivered — are earned on delivery and are non-refundable. Unused subscription time on cancellation is not refunded; your plan remains active until the end of the paid period. Initiating a chargeback for delivered usage instead of contacting build@vibecodebeast.com is a breach of these Terms and grounds for immediate account termination. Every API request is logged with your key, timestamp, endpoint, and credits consumed; we use these delivery records as evidence in payment disputes.

7. Limitation of liability

To the maximum extent permitted by law, our aggregate liability arising out of the Service is limited to the amounts you paid us in the twelve months preceding the claim, and we are not liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, even if advised of the possibility.

8. Termination

You may stop using the Service at any time. We may suspend or terminate access for breach of these Terms with notice where practicable. Sections 2, 4, 7, and 9 survive termination.

9. General

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. We may update these Terms; material changes will be announced on this page with a new effective date. Questions: build@vibecodebeast.com.