Terms of Service

Last updated: October 31, 2026

These Terms of Service ("Terms") are a legally binding agreement between you and FilingScout LLC, a New Mexico limited liability company ("FilingScout," "we," "us," or "our") governing your access to and use of filingscout.com, api.filingscout.com, our customer dashboard, application programming interface (API) explorer, documentation, and related software, content, and services (collectively, the "Service").

By creating an account, obtaining an API key, accessing the Service, or clicking to accept these Terms, you agree to them. If you do not agree, do not use the Service. If you use the Service on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" includes that entity.

Our Privacy Policy is incorporated into these Terms. If you enter a separate written enterprise or order agreement with us (an "Enterprise Agreement"), that agreement controls in the event of any conflict with these Terms.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and able to use the Service and form a binding contract. The Service is a business and professional tool. It is not intended for personal, family, or household consumer use, and it is not directed to children.

You may not use the Service if you are barred from doing so under applicable law, including United States (U.S.) export-control or sanctions laws, or if we have previously suspended or terminated your access.

2. The Service

The System for Electronic Rate and Form Filing (SERFF) and related marks are trademarks of the National Association of Insurance Commissioners (NAIC). Company names, NAIC numbers, and product names are used to identify publicly filed materials and do not imply affiliation or endorsement.

FilingScout provides programmatic and dashboard access to property and casualty ("P&C") insurance regulatory filing information and related structured data. The Service may include:

representational state transfer (REST) API endpoints for filings, companies, statistics, and related records;
structured metadata such as SERFF tracking numbers, state, company, NAIC number, filing type, line of business, status, dates, and rate-change indicators;
links to or copies of publicly filed documents and Portable Document Format (PDF) files;
account, API-key, usage, quota, and billing management tools; and
documentation, code samples, and an in-browser API explorer.

Data available through the Service is compiled from public state insurance-department filing systems and related public regulatory sources. Coverage, fields, document availability, latency, and historical depth vary by state and over time. We may add, change, or discontinue datasets, endpoints, fields, or features.

FilingScout is an independent data and software provider. We are not a state insurance department, and are separate from the NAIC, SERFF or any insurer, rating organization, or advisory organization. The Service is not an official government source of the records. Official records of regulatory filings are governed by State insurance laws and held by each state's insurance agency or department.

3. Accounts

To use most of the Service you must create an account. We authenticate users through Amazon Cognito and issue a first-party session cookie after sign-in. You agree to provide accurate, current information and to keep it updated.

You are responsible for all activity under your account, including activity by people you authorize and activity using your API keys. Notify us promptly at support@filingscout.com if you suspect unauthorized access. We may require identity verification, email confirmation, or additional security measures.

If you join or manage an organization account, that organization may control access, billing, and API keys associated with it. We may rely on instructions from an organization administrator.

4. API keys and security

Programmatic access uses secret API keys (typically prefixed fs_live_ or fs_test_) presented as a Bearer token. We store only a one-way hash of each key. The full secret is shown once at creation and cannot be retrieved later.

You agree to:

treat API keys and account credentials as confidential secrets;
keep keys on the server side — never embed them in browsers, mobile apps, public repositories, or client-side code;
restrict keys to the systems and people who need them, and revoke keys you no longer use or that may have been exposed;
use Transport Layer Security (TLS) for all requests to the Service; and
notify us promptly of any actual or suspected key compromise.

You are responsible for all requests authenticated with your keys, whether or not you authorized them, except to the extent caused by our failure to implement reasonable security safeguards on our systems. We may throttle, rotate, disable, or revoke keys to protect the Service.

5. License to use the Service and Content

Subject to these Terms and your plan, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license during your subscription to:

access and use the Service and documentation for your internal business purposes;
query the API within your plan's quotas and rate limits;
retrieve, store, and use individual query results ("Results") in your applications, analyses, reports, models, and workflows, including customer-facing products you operate; and
cache Results for a commercially reasonable period as needed to operate those applications (for example, to serve end users or reduce duplicate calls).

This license is broader than a typical per-seat market-data license. FilingScout is designed so that developers and industry teams can build on public regulatory data. It is not a license to become a substitute for the Service itself.

5.1 What you may not do

Except as expressly allowed above, you may not:

copy, crawl, scrape, harvest, or bulk-download the Service, website, or underlying corpus except through documented API calls within your plan;
resell, sublicense, or redistribute the Service, our full dataset, document corpus, or a material extract as a competing data feed, filing library, API, or bulk product;
use the Service to create a product whose primary purpose is to provide third parties with substitutable access to P&C regulatory filings or FilingScout Results;
use automated means to exceed, evade, or probe rate limits, quotas, authentication, or access controls;
reverse engineer, decompile, or attempt to derive source code, models, or non-public schemas except to the limited extent applicable law prohibits this restriction;
remove, obscure, or alter source attributions, copyright notices, or tracking numbers included with Results;
share API keys, session credentials, or non-public endpoints with unaffiliated third parties;
train, fine-tune, or publicly release a generally available foundation model or commercial data product on a bulk extract of the Service (using individual Results inside your own private application, agent, or internal model is allowed).

If you need wholesale redistribution, a hosted data replica, or other rights not granted herein, contact sales@filingscout.com about an Enterprise Agreement.

6. Public records and third-party materials

Records available through the Service originated as filings submitted to state insurance regulators and may be public records under applicable state law. We do not claim copyright in government works or in third-party materials we do not own.

We do claim and reserve all rights in our compilation, selection, arrangement, normalization, schema, identifiers, software, documentation, website, trademarks, and the Service as a whole.

Filings may contain insurer, Insurance Services Office (ISO), American Association of Insurance Services (AAIS), National Council on Compensation Insurance (NCCI), or other third-party content that remains subject to those parties' rights. Access through FilingScout does not grant you a license to republish copyrighted policy forms, rating manuals, or proprietary text beyond what applicable public-records law or fair use independently allows. You are responsible for how you use third-party content.

Confidential, trade-secret, or otherwise non-public material or information sometimes appear in regulatory files in error or under a confidentiality claim. If you obtain material that is clearly not intended for public release, you must not further disclose it and should notify us.

7. Acceptable use

You will not, and will not allow others to:

use the Service in violation of law, regulation, or third-party rights;
interfere with or disrupt the Service, other users, or our infrastructure, including by launching excessive load, malware, or denial-of-service activity;
attempt unauthorized access to accounts, keys, systems, or non-public data;
misrepresent your identity, affiliation, or the source of Results;
use Results as the sole basis for an insurance, credit, employment, housing, or similarly significant eligibility decision about an individual without independent review and compliance with applicable law;
use the Service for any high-risk activity where failure could cause death, personal injury, or severe environmental or property damage; or
use the Service to provide regulated insurance, legal, actuarial, or investment advice unless you are appropriately licensed and you do not attribute that advice to FilingScout.

We may investigate suspected violations and may suspend or terminate access, report conduct to authorities, or take other action we consider necessary.

8. Plans, quotas, and rate limits

Access is offered on plan tiers described on our pricing page and in the documentation, currently including Free, Basic, Premium, and Enterprise. Plan details (included monthly API calls, per-minute rate limits, and overage treatment) may change with notice as described in Section 11.

Unless we state otherwise:

every new account starts on the Free plan, which does not require a payment method;
a successful request to a documented /v1 endpoint counts as one API call against the monthly quota;
failed requests that return a 4xx or 5xx error are not counted against the monthly quota, but may still be rate-limited;
unused monthly calls do not roll over to later periods;
API-call quotas reset on a calendar-month basis in Coordinated Universal Time (UTC);
file downloads are counted on the Stripe subscription period, the same window Stripe uses to invoice metered downloads;
Free-plan requests that exceed the quota return Hypertext Transfer Protocol (HTTP) status code 429 until the next period or an upgrade;
Basic requests that exceed 1,000 calls in a period return HTTP 429 until the next period or an upgrade. Premium has no monthly call cap. After 100,000 Premium requests in a billing month, the per-minute rate limit steps down to 100. File downloads past the included allotment on Basic and Premium are billed as metered overages through Stripe; and
we may apply additional abuse, burst, or fair-use limits to protect platform stability.

Responses may include X-RateLimit-* headers. Circumventing quotas or rate limits is a material breach of these Terms.

9. Fees, billing, and taxes

Paid plans are billed in advance on a recurring basis through Stripe, Inc. ("Stripe"). Self-serve paid plans currently consist of a licensed flat subscription fee plus a metered usage component for file downloads beyond the included allotment. Enterprise fees are as set out in an Enterprise Agreement.

By providing a payment method, you authorize us and Stripe to charge all applicable fees, overages, and taxes. You must keep billing information current. We do not store full payment-card numbers.

Plan changes are processed through Stripe Checkout or the Stripe Customer Portal. Upgrades and downgrades may be prorated according to Stripe's then-current proration rules. Cancellation takes effect immediately. Stripe prorates the unused portion of the flat fee, and file-download usage already reported remains billable.

Fees are in U.S. dollars unless stated otherwise and are non-refundable except as required by law or as we expressly agree in writing. Unless expressly stated otherwise, fees exclude applicable transaction taxes. You agree to pay applicable sales, use, value-added tax (VAT), goods and services tax (GST), and similar taxes that we are required by law to collect from you, and any separately stated charge to recover applicable New Mexico gross receipts tax (GRT), to the extent permitted by law. FilingScout remains responsible for reporting and remitting taxes legally imposed on it, including New Mexico GRT. You are not responsible for taxes on our net income.

If a charge fails, we may retry, suspend access, or downgrade the account to Free. Suspension for non-payment does not excuse amounts already owed. We may change prices by posting updated pricing and/or emailing the account owner. Price changes apply to subsequent billing periods. We will not increase the price of a prepaid period already paid, except as required by a change in tax or as agreed in an Enterprise Agreement.

10. Availability, changes, and beta features

We strive to keep the Service available and current, but except as expressly set out in a signed Enterprise Agreement, we do not commit to any uptime, latency, coverage, or support service level. Statements on the website about uptime, response time, state coverage, or filing counts are informational product descriptions, are not warranties or service-level agreements (SLAs).

Source systems go down, filings are amended or withdrawn, and states change what they publish. Results may be delayed, incomplete, duplicated, or later corrected. You should not treat FilingScout as the system of record for a regulatory filing or examination.

We may modify or discontinue any part of the Service. If a change materially reduces core paid functionality during a then-current prepaid term, we will use commercially reasonable efforts to notify you and, at our option, allow you to continue on the prior functionality until the end of that term or receive a pro-rata refund of prepaid unused fees for the affected portion.

We may offer preview, alpha, or beta features. Those features are provided as-is, may be more limited or unstable, and may be withdrawn at any time.

11. Intellectual property and feedback

The Service, including software, design, documentation, and our compilation of Content, is owned by FilingScout or its licensors and is protected by intellectual-property laws. Except for the limited license in Section 5, we reserve all rights.

You retain rights in your applications, query parameters, and materials you submit to us ("User Content"), other than Feedback. You grant us a worldwide, royalty-free license to host and process User Content solely to provide and secure the Service.

If you send ideas, suggestions, or other feedback ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it without restriction or compensation.

We claim trademark and service-mark rights, to the extent available under applicable law, in the FilingScout name, our logos, and related marks. You may use our name solely to factually describe that your product retrieves data from FilingScout, provided you do not suggest sponsorship or violate our reasonable brand guidelines.

12. No professional advice

The Service and all Content are for informational purposes only. They are not:

an official filing, approval, or regulatory determination;
insurance, legal, actuarial, accounting, tax, or investment advice;
a credit rating, financial-strength rating, or opinion of AM Best, Standard & Poor's (S&P), or any other rating agency; or
a recommendation to underwrite, price, buy, sell, or hold any insurance product or security.

You are solely responsible for independent verification against official state sources, for your professional judgments, and for compliance with insurance, securities, privacy, and other laws that apply to your use of Results.

13. Disclaimers

To the maximum extent permitted by law, the Service and all Content are provided "as is" and "as available," with all faults. We disclaim all warranties, express, implied, or statutory, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, secure, or error-free; that Content will be accurate, complete, current, or suitable for any purpose; or that defects will be corrected. Public regulatory data may contain errors introduced by filing insurers, state systems, or our processing.

You assume all risk for your reliance on the Service and for any decisions made using Results.

14. Limitation of liability

To the maximum extent permitted by law, FilingScout and its affiliates, officers, employees, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, goodwill, data, or business interruption, even if advised of the possibility of such damages, and even if a remedy fails of its essential purpose.

To the maximum extent permitted by law, our total liability for all claims arising out of these Terms or the Service will not exceed the amounts you paid to FilingScout for the Service in the twelve (12) months before the claim. If you have paid nothing in that period, our aggregate liability is limited to one hundred U.S. dollars ($100).

These limits do not apply to liability that cannot be limited under applicable law, including (where such limitation is prohibited) liability for fraud, willful misconduct, or gross negligence.

15. Indemnification

You will defend, indemnify, and hold harmless FilingScout and its officers, employees, and agents from and against third-party claims, damages, losses, and reasonable expenses (including attorneys' fees) arising out of: (a) your use of the Service or Results; (b) your applications or User Content; (c) your violation of these Terms or applicable law; or (d) your infringement or misappropriation of a third party's rights.

We will provide prompt notice of a claim (delay excuses you only to the extent you are materially prejudiced), and we may participate in the defense with counsel of our choosing. You may not settle a claim that imposes an obligation on us, other than the payment of money you fully fund, without our prior written consent.

16. Term and termination

These Terms take effect when you first accept them or use the Service and continue until terminated. You may stop using the Service and cancel a paid subscription at any time through the dashboard, Stripe Customer Portal, or by emailing support@filingscout.com. Cancellation of a paid plan takes effect immediately. Stripe prorates the unused portion of the flat subscription fee, and file-download usage already reported for that period remains on the invoice. Access reverts to the Free plan until you delete the account.

We may suspend or terminate access immediately if we reasonably believe you have breached these Terms, your use creates security, legal, or operational risk, required fees are unpaid, or we are required to do so by law or a source-data constraint. We may also discontinue the Service with reasonable notice where practicable.

Upon termination, your license ends and you must stop calling the API. Sections that by their nature should survive (including 5.1, 6, 11–15, 16, 18–21) will survive. You may retain Results lawfully obtained during the term, subject to Section 5.1 and third-party rights, but you may not use terminated credentials or continue bulk extraction.

To request deletion of your account, email support@filingscout.com. We may retain limited records as described in the Privacy Policy.

17. Export controls and sanctions

You may not use, export, or re-export the Service except as authorized by U.S. law and the laws of the jurisdiction in which the Service is used. You represent that you are not located in, and are not a person or entity with whom we are prohibited from dealing under, U.S. sanctions or export-control rules administered by the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC), the U.S. Department of Commerce's Bureau of Industry and Security (BIS), or similar authorities.

18. Copyright complaints

If you believe content on the Service infringes your copyright, send a notice that complies with Section 512(c)(3) of Title 17 of the United States Code (U.S.C.) to support@filingscout.com with: (a) your signature; (b) identification of the copyrighted work; (c) the location of the allegedly infringing material; (d) your contact information; (e) a good-faith statement that the use is not authorized; and (f) a statement under penalty of perjury that the notice is accurate and that you are the owner or authorized to act.

Public regulatory filings are often republished as public records. A valid takedown request still requires the information above so we can distinguish government records, licensed compilation rights, and third-party form copyrights.

19. Governing law and disputes

These Terms are governed by the laws of the State of New Mexico without regard to choice of law provisions. You agree that the exclusive forum and jurisdiction for any litigation arising out of or related to this Agreement shall be the 2nd Judicial District Court located in Bernalillo County, New Mexico and you consent to the jurisdiction of that court, subject to any non-waivable rights.

You and FilingScout waive any right to a jury trial to the extent permitted by law. Claims must be brought in an individual capacity, not as a plaintiff or class member in a purported class, consolidated, or representative proceeding, except where such waiver is unenforceable.

Informal resolution: before filing a claim, you agree to email support@filingscout.com with a brief description of the dispute and to try in good faith to resolve it for 30 days.

20. Changes to these Terms

We may update these Terms from time to time. We will revise the "Last updated" date and, for material changes, provide additional notice (for example, by email or a dashboard notice). The updated Terms take effect on the stated date. If you do not agree, you must stop using the Service and cancel any paid plan. Continued use after the effective date constitutes acceptance.

21. Miscellaneous

Entire agreement. These Terms, the Privacy Policy, plan descriptions you purchase, and any Enterprise Agreement are the entire agreement and supersede prior discussions relating to the Service.

Order of precedence. Enterprise Agreement, then these Terms, then the Privacy Policy, then website plan copy.

Assignment. You may not assign these Terms without our consent, except to a successor in a merger or sale of substantially all assets if the assignee is not a competitor and you give us prompt notice. We may assign these Terms.

Severability; waiver. If a provision is unenforceable, it will be modified to the minimum extent necessary, and the rest remains in effect. A failure to enforce is not a waiver.

Force majeure. We are not liable for delay or failure caused by events beyond our reasonable control, including source-system outages, internet failures, labor disputes, natural disasters, war, terrorism, epidemics, or government action.

Notices. We may notify you via the Service, the account email, or posting on the website. You may notify us at support@filingscout.com.

No third-party beneficiaries. These Terms do not create rights for any third party.

U.S. government. The Service is commercial computer software and commercial data. U.S. government users obtain only those rights set out in these Terms.

Language. These Terms are in English, which controls.

Relationship. We are independent contractors. These Terms do not create a partnership, agency, or joint venture.

22. Contact

Questions about these Terms: support@filingscout.com. Enterprise inquiries: sales@filingscout.com.