API Usage Terms

1. Access and Use

The mortgagerate.app API is provided for developers and applications to access current US mortgage rate data. By using this API, you agree to comply with these terms and conditions.

2. Rate Limits

Each API token is limited to 10,000 API requests per month. If you exceed this limit, your requests may be rate-limited or blocked until the next billing cycle. We reserve the right to adjust rate limits as necessary to ensure fair usage and service availability.

3. Data Usage

The mortgage rate data provided by this API is sourced from publicly available data (fred.stlouisfed.org). You may use this data for legitimate business purposes, including but not limited to:

• Displaying current mortgage rates in applications
• Financial analysis and reporting
• Educational purposes
• Integration into financial services applications

You may not use the API data for any illegal, fraudulent, or malicious purposes.

4. Attribution

While not required, we appreciate attribution to mortgagerate.app when displaying data obtained from this API. The data source (fred.stlouisfed.org) should be acknowledged when appropriate.

5. API Token Security

You are responsible for maintaining the security of your API token. Do not share your API token publicly or commit it to version control systems. If your token is compromised, please contact us immediately to revoke and regenerate your token.

6. Service Availability

We strive to maintain high availability of the API service, but we do not guarantee 100% uptime. The service may be temporarily unavailable due to maintenance, updates, or unforeseen circumstances. We are not liable for any damages resulting from service unavailability.

7. Modifications and Termination

We reserve the right to modify, suspend, or terminate API access at any time, with or without notice. We may also modify these terms at any time. Continued use of the API after changes to these terms constitutes acceptance of the modified terms.

8. Compliance

Users must comply with all applicable laws and regulations when using this API. You agree not to use the API in any way that violates local, state, national, or international laws.

9. Limitation of Liability

mortgagerate.app and its operators are not liable for any damages, losses, or expenses arising from the use or inability to use the API, including but not limited to direct, indirect, incidental, or consequential damages.

10. Contact

For questions about these terms or the API service, please use the support feature available on the website.