--- tos_version_id: "TOS-8150-v0-2026-05" effective_date: "2026-05-20" canonical_url: "https://smartmarkets.ai/tos/llm.txt" supersession: | smartmarkets may update these Terms. The version at canonical_url is the current Terms and supersedes prior versions for new purchases and continued use after we post changes. If you do not agree, do not use the Service or complete a mint. Each paid mint records tos_version_id and cvr_cycle_id active at checkout — those versions govern that mint even if later Terms change. legal_notice: | v0 market-style terms for early SaaS. NOT LEGAL ADVICE. Have qualified counsel review before scale. Structure inspired by common developer-platform and payment-platform terms (e.g. Cursor, Stripe) — shortened for solopreneur MVP. --- # smartmarkets — Terms of Service > Decision instrumentation infrastructure. Machine surfaces on llm.smartmarkets.ai; operator > control plane on smartmarkets.ai. By using the Service or completing a paid mint you agree > to these Terms and the Privacy section below. ## 1. Agreement These Terms of Service ("Terms") are between you ("Customer", "you") and smartmarkets ("we", "us", "smartmarkets") for smartmarkets.ai, llm.smartmarkets.ai, and related APIs, CLI, and artifacts. If you accept on behalf of an organization, you represent authority to bind that organization. ## 2. The Service smartmarkets provides precomputed, machine-readable decision instruments (SICID SMS contracts), documentation (llm.txt, openapi.json, examples), optional EMR recipes, and paid artifact mints (e.g. DealCard, MatchMaker). We provide tools and evidence — not investment, legal, or M&A advice. ## 3. Accounts and eligibility You must provide accurate account information (e.g. email for magic-link login). You are responsible for activity under your account and for securing API keys we issue. You must be legally able to enter contracts in your jurisdiction. ## 4. Fees, payment, and refunds Paid mints and subscriptions are billed via Stripe at prices shown at checkout. Fees are generally non-refundable except where required by law or explicitly stated at purchase. Failed or expired checkout sessions do not create paid entitlements. Taxes may apply. ## 5. Data vintage and monthly refresh (CVR) smartmarkets mints against a **current vintage** identified by **cvr_cycle_id** (service month). Public authority: GET https://llm.smartmarkets.ai/8150/cvr/current - Precomputed boards and supported mint posture advance on a **monthly cadence** (promotion at **02:00 UTC** on the first calendar day of each month unless we announce otherwise). - We update from **public regulatory and census sources** — not real-time feeds. - **Mints bind the cvr_cycle_id at checkout.** After promotion, earlier mint receipts remain valid historical lineage; **remint for current truth** when decisions require up-to-date boards. - We do not revoke API keys solely because a vintage promoted — unsupported-for-current-vintage means we do not warrant precomputed truth matches today's boards. ## 6. Minting, keys, and artifact access By completing a paid mint you agree you have read: - https://smartmarkets.ai/tos/llm.txt (these Terms) - The relevant SICID llm.txt (e.g. https://llm.smartmarkets.ai/8150/llm.txt) - Current vintage via /8150/cvr/current when minting 8150 artifacts Each mint receipt stores **tos_version_id**, **cvr_cycle_id**, and org/scenario fields for audit. API keys are tied to mint entitlements. Do not share keys outside your organization. Founder or promotional pricing may be allowlisted and revoked if misused. ## 7. Acceptable use You will not: reverse-engineer or scrape the Service beyond documented APIs; abuse rate limits; misrepresent outputs as guaranteed predictions; use outputs as sole basis for regulated decisions without independent professional review; upload malware; or use the Service unlawfully. ## 8. Intellectual property and license We retain rights in the Service, precomputed data products, docs, and branding. Subject to these Terms and payment, we grant you a non-exclusive license to use minted artifacts and API outputs for your internal business decisions. You retain rights in your own inputs; you grant us license to process them to operate the Service. ## 9. Disclaimers THE SERVICE AND ALL OUTPUTS ARE PROVIDED **"AS IS"** WITHOUT WARRANTIES OF ANY KIND. smartmarkets is **not** a broker-dealer, investment adviser, fiduciary, or legal adviser. Outputs derive from public data and precomputed models that may be incomplete, delayed, or wrong. You alone decide how to use outputs. ## 10. Limitation of liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, smartmarkets AND ITS OPERATORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION. OUR AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) AMOUNTS YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100). ## 11. Indemnification You will defend and indemnify smartmarkets against claims arising from your use of the Service, your violation of these Terms, or your violation of third-party rights — except to the extent caused by our gross negligence or willful misconduct. ## 12. Changes, governing law, and contact We may modify these Terms by posting an updated tos/llm.txt with a new tos_version_id. Material changes may also be noted on smartmarkets.ai. **Texas law** governs these Terms except where conflict rules require otherwise. Disputes: **binding arbitration in Austin County, Texas** where permitted; you may have rights to opt out where law requires. Contact: admin@smartmarkets.ai · Operator terminal: https://smartmarkets.ai --- ## privacy **Who we are.** smartmarkets operates smartmarkets.ai and llm.smartmarkets.ai. **What we collect.** (1) Vercel Analytics page views — no ad cookies. (2) API logs: endpoint, timestamp, key prefix — for billing and abuse prevention; we do not store prompt text from ChatGPT/GPT Actions. (3) Email for login, receipts, and service email. (4) Stripe payment metadata — we do not store full card numbers. **What we do not collect.** Ad trackers, social pixels, clinical PHI for care delivery, or location tracking of users. **Data sources.** SICID outputs use federal public datasets (e.g. FDIC, Census). No proprietary consumer credit files. **Processors.** Vercel, Railway, Supabase, Stripe, SendGrid, OpenAI (when you invoke GPT Actions). **Your choices.** Unsubscribe from marketing email; request account deletion via admin@smartmarkets.ai. **Updates.** Privacy changes ship inside this document; supersession follows the frontmatter block above.