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 assessor 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 reverse engineer, decompile, or systematically extract the Service, its storm-detection outputs, or its datasets — including bulk-harvesting swath geometries, storm records, or map data from any endpoint or page to build, train, seed, or benchmark a competing product.
• 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. Communications and the Grace AI voice line

• Product email. Creating an account means we may send you transactional and product emails about your account and new features; every one carries a one-click unsubscribe.
• Texts and calls (optional consent). If you check the communications-consent box at signup or in settings, you expressly agree that Swath may contact you at the phone number you provide by SMS/MMS and by phone — including automated dialing, prerecorded messages, and AI-generated voice — about storm alerts, your account, and Swath announcements. This consent is not a condition of using Swath, message and data rates may apply, message frequency varies, reply STOP to any text to end texts, and you can revoke consent anytime by emailing enterprise@swathapi.com.
• Grace, the AI voice line. Swath may offer a phone line where an AI assistant ("Grace") delivers storm reports and account help. Calls with Grace are with an artificial voice, not a human, and may be recorded and transcribed for quality and abuse prevention. Grace is a paid feature billed per minute to your Swath account at the per-minute rate published on the pricing page at the time of your call, rounded up to the next minute; rates may change with notice on that page. First-time callers without an account will be directed to create one before full reports are provided.

7. 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 enterprise@swathapi.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.

8. 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.

9. 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.

10. 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: enterprise@swathapi.com.