Terms of Service

1 — Agreement

By subscribing to or using Flatland ("the Service"), you agree to these Terms of Service. If you do not agree, do not use the Service. These terms form a binding agreement between you and Flatland ("we", "us", "our").

We may update these terms from time to time. Continued use of the Service after an update constitutes acceptance of the revised terms. Material changes will be communicated by email.

2 — What Flatland Is

Flatland is a financial modeling engine exposed as an MCP server and HTTP API. It enables AI agents to build, compile, and analyze typed computation graphs representing financial models.

The Service is accessed programmatically via API. There is no graphical user interface. The primary users of the API are AI agents (such as Claude Code, Cursor, or Windsurf) operating on your behalf.

3 — Your Account and API Key

Access to the Service requires an API key issued when you sign up. You are responsible for keeping your API key confidential. Do not share it publicly or commit it to version control.

You are responsible for all activity conducted using your API key. If you believe your key has been compromised, contact info@flatlandfi.com immediately.

One account grants access for one individual or organization. You may not share your key with third parties outside your organization.

4 — Payment and Billing

The Service is billed on a usage-based model. Each Flatland account includes 50 free "answers" (compiles, scenario compiles, or sensitivity analyses) per calendar month. Additional usage beyond the free tier is billed at $0.10 per answer, with a monthly spending cap configurable by the account holder (default $50/month, self-serve maximum $5,000/month).

No credit card is required to begin using the Service. A payment method is only required to use the Service beyond the free tier each month.

Billing is processed by Stripe. By providing a payment method, you authorize charges for usage above your free tier each calendar month, capped at your configured spending limit. Charges are aggregated and billed at the end of each billing period.

You may remove your payment method at any time, which will limit your Service usage to the free tier. There is no recurring subscription — you only pay for usage above the free tier.

We reserve the right to change pricing with 30 days' notice to existing account holders by email.

5 — Acceptable Use

You agree not to:

• Attempt to reverse engineer, decompile, disassemble, or derive proprietary algorithms, logic, or architecture from the Service — whether through analysis of source code, network traffic, API responses, error messages, or systematic observation of Service behavior
• Use the Service to build a competing financial modeling API or resell API access
• Systematically probe, benchmark, or analyze API responses, error messages, or response timing for the purpose of reconstructing proprietary logic or building a competing product
• Submit requests that intentionally attempt to overload, disrupt, or abuse the Service
• Use the Service for any unlawful purpose or in violation of any applicable regulation

You are responsible for all actions taken by AI agents, automation, or third-party tools that access the Service using your API key. If an AI agent operating on your behalf submits requests that violate these terms — including through prompt injection or adversarial instruction from a third party — your account may be subject to suspension. You agree not to instruct or configure agents to probe, analyze, or test the Service beyond normal intended usage.

We reserve the right to suspend or terminate access for violations of these terms without prior notice.

6 — Intellectual Property

The Flatland engine, compilation logic, type system, and API design are proprietary. These terms do not grant you any ownership interest in the Service.

Financial models you build using the Service — the data, assumptions, and outputs — belong to you. We claim no ownership over your models or the content you provide.

7 — Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that the outputs of any financial model are accurate, complete, or suitable for any particular purpose.

Flatland is a computational tool. It does not provide financial advice. Outputs should be reviewed by qualified professionals before being used for investment, fundraising, or business decisions.

8 — Limitation of Liability

To the maximum extent permitted by law, Flatland shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service — including but not limited to loss of revenue, loss of data, or business interruption.

Our total liability to you for any claim arising under these terms shall not exceed the amount you paid to us in the 3 months preceding the claim.

9 — Termination

You may close your account at any time. We may suspend or terminate your access if you violate these terms, fail to pay for usage above the free tier, or if we discontinue the Service.

Upon termination, your API key is revoked. We have no obligation to retain your data after account closure. Upon cancellation or termination, you will have 30 days to export your model data via the API. After 30 days, all data associated with your account will be permanently deleted.

10 — Governing Law

These terms are governed by the laws of the jurisdiction in which Flatland is incorporated, without regard to conflict of law principles. Any disputes shall be resolved through binding arbitration or in the courts of that jurisdiction.

11 — Contact

Questions about these terms: info@flatlandfi.com

Billing or account issues: info@flatlandfi.com