Terms of Use

1.Who we are, and what you are agreeing to

CUSignals (the “Service,” “we,” “us”) is operated by Infinidatum LLC, a Connecticut limited liability company. These Terms of Use, together with the Privacy Policy, the Cookie Notice, the Copyright & Content Use policy, the Disclaimer and the Disclosures (together, the “Terms”), govern your access to and use of the Service.

By accessing the Service, creating an account, or using an API key we issue, you agree to be bound by the Terms. If you do not agree, do not use the Service. If you are agreeing on behalf of an organization, you represent that you are authorized to bind it, and “you” means that organization.

2.Eligibility

You must be at least 18 and capable of forming a binding contract. The Service is a business-to-business research product covering U.S. credit unions, intended for professional and research use by vendors, acquirers, advisors, desks and analysts. It is not a consumer product, it is not offered to consumers, and it publishes nothing about any individual member of any institution.

3.Accounts, API keys and security

Access requires either a dashboard account or an API key we issue to you. You agree to provide accurate registration details, to keep your password and any API key confidential, and to accept responsibility for everything done under your credentials. An API key is a bearer credential: anyone holding it has your access, so treat it as you would a password and never commit it to a repository or embed it in a client application.

Tell us at admin@infinidatum.net as soon as you suspect unauthorized use and we will rotate the credential. We may suspend or terminate credentials that are shared beyond the seats your plan covers, that are used to exceed your licensed scope, or that violate these Terms.

4.Acceptable use

You agree not to:

• scrape, crawl, harvest or bulk-extract the Service other than through the export and API features your plan provides, or circumvent rate limits, access controls or any other technical measure;
• resell, redistribute, sublicense or publish the Service or its scores as a substitute product, a competing dataset, or a feed to a third party;
• share credentials beyond the seats your plan covers, or provide access to an affiliate, client or portfolio company outside the scope you licensed;
• use the Service to train, fine-tune, ground, benchmark or evaluate any artificial-intelligence or machine-learning model (see Copyright & Content Use);
• reverse engineer, decompile, probe or attempt to gain unauthorized access to the Service or the systems behind it, or attempt to reconstruct the underlying source data or model weights from the outputs;
• represent a score, ranking or estimate as professional advice, as a fact about an institution, or as endorsed by or affiliated with any regulator, trade body or the institution itself;
• use any officer or other business contact detail the Service provides for anything other than business-to-business outreach to that person in their professional capacity — never for a consumer marketing list, never for automated dialing, texting or ringless voicemail, never for resale or contribution to another dataset, and never for any purpose that person or their institution has told either of us they refuse. Compliance with telemarketing, email and do-not-call law on any contact you make is yours, and we do not represent that any contact detail is scrubbed against any registry;
• use the Service to violate any law, infringe any right, or transmit malicious code; or
• send us nonpublic personal information about any individual — names, addresses, member or account numbers, Social Security or taxpayer identification numbers, balances, or transaction history belonging to a member or customer of any institution — or any protected health information, or any content you are not authorized to disclose to us.

The Service operates at the level of the institution, never the level of the individual. It has no feature that asks for member data and no lawful use for it. If you send us such information by mistake, tell us at admin@infinidatum.net and we will delete it.

5.Subscriptions, pricing and payment

The Service is sold as a subscription priced on territory — the size of the account universe you may view and export — rather than on seats or queries. Every tier and what it covers is listed on the pricing page; the rate for a territory is quoted to you by email, and it is drawn from the same catalog that checkout charges from, so the figure you are quoted is the figure you are billed.

A plan may be started on a three-day free trial, arranged with us at the address below. No payment method is collected and no charge is ever made for a trial. It does not convert into a paid subscription: when the three days elapse the trial simply ends and your access returns to the free preview available to any visitor. There is nothing to cancel, and buying a subscription afterwards is a separate step you take deliberately.

A trial carries the full scope of the plan it is taken on and is offered once per organization. To enforce that we record, at the moment a trial starts, a one-way keyed hash of the network address the request arrived from and of a random identifier your browser stores for this purpose. We do not store the address itself and the hashes cannot be reversed into one; the Privacy Policy and Cookie Notice describe both. A repeat trial from a network or browser that has already taken one is declined. Because colleagues commonly share one office network, this will sometimes decline someone acting in good faith — email admin@infinidatum.net and we will extend or reissue a trial rather than leave you unable to evaluate.

Payment is taken by Stripe, a PCI-DSS Level 1 payment processor. We do not receive or store your card number. Dashboard access follows your subscription automatically, including during a trial, provided you sign in with the email address you gave at checkout. Issuing an API key is a deliberate human step and normally completes within one business day.

Subscriptions renew automatically for the interval you chose, at the rate quoted to you for that plan, until canceled. Annual plans are billed once at the quoted annual rate. Before an annual plan renews we send a reminder to the address on your account — at least thirty days ahead, naming the renewal date and the amount — so the charge is never the first you hear of it; for monthly plans the interval is short enough that the receipt serves the same purpose. You may cancel at any time by emailing admin@infinidatum.net. We act on a cancellation request within one business day and confirm it in writing; it takes effect at the end of the paid interval, and access continues until then. A cancellation is never conditioned on a retention call, and you do not have to give a reason. Fees already paid are non-refundable, except where a refund is required by law or where we have failed to deliver a refresh you paid for and cannot remedy it.

We may change prices, tiers, territory definitions and what each tier includes at our discretion. Changes apply prospectively: a change never reaches back into an interval you have already been billed for, and we will tell you before a renewal is charged at a new rate. Taxes, where they apply, are additional and are your responsibility.

6.The data, and what it is

The Service publishes derived scores over institution-level financial data, drawn from multiple data sources and reconciled through a proprietary data pipeline into a single quarterly panel. The specific sources and the pipeline are proprietary. What we publish is the transformation: the derived ratios, the peer ranking, the model weights, and the decomposition behind every score.

Data may be incomplete, delayed, restated or wrong, and a quarterly panel is by construction a lagging view of a moving institution. Scores are estimates produced by documented models, not statements of fact about any institution. Market, rate, credit and regulatory conditions change, and a model fitted on one environment loses accuracy as the environment moves away from it, so an output is accurate only as of the panel date it names and we do not undertake to update, correct or withdraw one that a later period proves wrong. The Disclaimer and the Disclosures set out the limits in full, and they are part of these Terms.

7.Intellectual property

The Service’s software, design, scoring methodologies, model weights, feature definitions, compilations and original copy are owned by us and protected by intellectual-property law. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service, and the outputs you export from it, for your own internal business and research purposes for as long as your subscription is current.

Exports you take are yours to work. A territory list, a scored account set or a movers digest you export may be loaded into your CRM, circulated inside your organization, and used to run your business without further permission. What you may not do is redistribute it outside your organization as a substitute for a subscription, which Section 4 already covers.

We reserve all rights not expressly granted, including every right to use the Service and its outputs for text and data mining, corpus construction, and the training or evaluation of any AI or machine-learning model. Our Copyright & Content Use policy states that reservation in full and controls on any question of copyright or content use where it and this section overlap.

Trademarks and institution names shown in the Service belong to their owners. Their appearance is descriptive and implies no affiliation, sponsorship or endorsement in either direction. If you send us feedback or feature requests we may use them freely and without obligation; feedback is not confidential and giving it transfers no ownership of your own materials.

8.No professional advice

The Service is not investment, credit, merger, accounting, tax, legal or other professional advice, and using it creates no fiduciary or advisory relationship. Nothing in it is a recommendation to transact with, acquire, lend to, or avoid any institution. Scores, rankings, probabilities and matches are informational estimates built to prioritize a call list, not to underwrite a decision. You are solely responsible for your own diligence and for the decisions you make.

9.Disclaimer of warranties

THE SERVICE AND ALL DATA, SCORES AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY, COMPLETENESS OR TIMELINESS. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT ANY SCORE WILL PROVE PREDICTIVE, OR THAT ANY BACKTESTED RESULT WILL RECUR.

10.Limitation of liability

The Service is information, and the decision is yours. We publish estimates about institutions. We do not make, review, approve or participate in any decision you take after reading them, we have no stake in any transaction they lead to, and we accept no responsibility for the outcome of one. That allocation of risk is the basis on which the Service is priced and offered, and the rest of this section gives it effect.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, BUSINESS, BUSINESS OPPORTUNITY, ANTICIPATED SAVINGS OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE, REGARDLESS OF THE LEGAL THEORY ASSERTED AND EVEN IF WE WERE ADVISED OF THE POSSIBILITY.

WITHOUT LIMITING THAT, WE ARE NOT LIABLE FOR ANY DECISION YOU OR ANYONE ELSE TAKES IN RELIANCE ON THE SERVICE; FOR ANY TRANSACTION ENTERED INTO, DECLINED OR MISSED; FOR ANY SCORE, RANKING, PROBABILITY OR MATCH THAT PROVES INACCURATE; FOR ANY ERROR, OMISSION, DELAY OR RESTATEMENT IN THE UNDERLYING DATA; OR FOR ANY CHANGE IN MARKET, RATE, CREDIT, COMPETITIVE OR REGULATORY CONDITIONS THAT MAKES AN EARLIER OUTPUT WRONG. CONDITIONS CHANGE, MODELS DRIFT, AND AN OUTPUT IS ACCURATE ONLY AS OF THE PANEL DATE IT NAMES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. THESE LIMITS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THIS SECTION LIMITS ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

11.Indemnification

(a) You indemnify us. You will indemnify, defend and hold harmless us and our affiliates from any claim, damage, liability or expense (including reasonable legal fees) arising from your use of the Service; from any decision you, your clients or anyone relying on you takes on the strength of it; from your presentation of any output to a third party; from content or data you sent us in breach of section 4; or from your breach of these Terms or of applicable law.

(b) We give no indemnity. Stated plainly so it cannot be read the other way: we do not indemnify, defend or hold harmless you or anyone else, on any ground, including any claim that the Service or its outputs infringe or misappropriate the rights of a third party. The Service is an information product sold “as is” under section 9, and no indemnity from us is expressed, implied or to be inferred from any part of these Terms, from any other page on this site, or from any statement made in the course of a sale. If the Service does not suit you, your remedy is to stop using it and cancel under section 5.

(c) How the indemnity in (a) runs. We will give you prompt written notice of a claim, will not admit liability or settle it without your consent, and will give you reasonable cooperation at your expense. You control its defense and settlement, provided no settlement imposes a non-monetary obligation or an admission of fault on us without our consent, and we may participate with our own counsel at our own expense. A delay in our giving notice reduces your obligation only to the extent the delay actually prejudiced the defense.

12.Term and termination

You may stop using the Service at any time; cancellation of billing is covered by Section 5. We may suspend or terminate access, with or without notice, for breach of these Terms or to protect the Service or other subscribers. On termination your license ends and you must stop using the Service, though exports you lawfully took while your subscription was current remain yours to use internally. Sections that by their nature should survive — intellectual property, the disclaimers, the limitation of liability, indemnification and governing law — survive.

13.Governing law and disputes

These Terms are governed by the laws of the State of Connecticut, USA, without regard to its conflict-of-law rules. You and we submit to the exclusive jurisdiction of the state and federal courts sitting in Connecticut for any dispute arising out of the Terms or the Service. Before filing, please email admin@infinidatum.net with a description of the dispute and the relief you seek; most things are faster to fix than to litigate. Nothing here waives a right that cannot be waived under applicable law.

14.Changes to these Terms

We may update these Terms as the Service changes. Material changes are reflected in the “last updated” date at the top of this page and, where the change affects your rights or your subscription, by email to the address on your account before the change takes effect. Continued use after that constitutes acceptance. Pricing changes are governed by Section 5.

15.General

These Terms, with the policies named in Section 1, are the entire agreement between you and us about the Service and supersede any prior understanding on that subject. If a provision is held unenforceable the rest stays in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. Neither party is liable for delay or failure caused by events beyond its reasonable control. You consent to receive notices from us electronically, and agree that electronic notice satisfies any requirement that a communication be in writing.

16.Contact

Questions about these Terms go to admin@infinidatum.net, or via the contact page.