Version 1.0 — Effective Date: March 14, 2026
These Terms of Service ("Terms") govern your access to and use of the QAE Safety Kernel API, QAE-FinRisk API, and QAE Unified API (collectively, the "Services") provided by Northbeam Solutions LLC ("Company," "we," "us," or "our"), located at 8 The Green Ste B, Dover, DE 19901.
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.
The Services are deterministic certification engines that evaluate inputs against defined constraint channels and return safety or risk certificates. Specifically:
All APIs are stateless: they process certification requests in real time and do not store your portfolio data, market data, or action parameters beyond the duration of a single request.
To use the Services, you must create an account by providing a valid email address. Upon registration, you will receive an API key. You are responsible for:
You may not share your API key with third parties or use another user's API key without authorization.
| Tier | Pricing | Included | Rate Limit | Support |
|---|---|---|---|---|
| Free | $0 | 1,000 certifications/month | 10 req/s | Community |
| Pro | $0.01/certification | Metered (pay per use) | 100 req/s | Priority email |
| Enterprise | Custom | Volume pricing | 1,000 req/s | Dedicated engineer |
Pro and Enterprise tiers use metered billing via Stripe. You are billed monthly based on the number of certification requests made. When you exceed your tier's limits:
Free tier requires no payment. Pro tier is billed monthly in arrears via Stripe based on actual certification usage at $0.01 per certification. Enterprise tier pricing is negotiated on a per-contract basis. All fees are stated in U.S. dollars and are non-refundable except as required by applicable law.
You may upgrade your tier at any time. Upgrades take effect immediately. You may downgrade your tier at any time; downgrades take effect at the start of the next billing cycle. No prorated refunds are provided for mid-cycle downgrades.
Uptime is measured as the percentage of time the API returns successful responses (HTTP 2xx or 4xx for valid client errors) during a calendar month, excluding scheduled maintenance windows.
We will provide at least 72 hours' notice for scheduled maintenance. Scheduled maintenance windows do not count against uptime calculations.
If we fail to meet the uptime commitment for your tier in a given month, you may request a service credit:
Credits must be requested within 30 days of the affected month and are applied to future invoices. Credits do not exceed the fees paid for the affected month.
The Services rely on third-party infrastructure providers for hosting, networking, and related services. Downtime or degraded performance caused by these third-party providers is excluded from uptime calculations and does not qualify for SLA credits under Section 5.4. We will make commercially reasonable efforts to select and maintain reliable infrastructure partners.
The Services operate as stateless APIs. Portfolio data, market data, action parameters, and other inputs submitted with certification requests are processed in memory and are not persisted to any storage medium after the response is returned.
All data in transit is encrypted using TLS 1.2 or higher. API keys are stored as SHA-256 hashes; we do not store your API key in plaintext after initial provisioning.
You agree not to:
Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account.
The Services, including all software, algorithms, documentation, and related materials, are the exclusive property of Northbeam Solutions and are protected by intellectual property laws. These Terms do not grant you any ownership rights in the Services.
You retain all rights in the data you submit to the Services. We do not claim ownership of your input data or the certificates generated from your requests.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes during the term of your subscription.
To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising out of or relating to these Terms or the Services shall not exceed the total fees you paid to us during the twelve (12) months immediately preceding the event giving rise to the claim.
In no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or relating to these Terms or the Services, regardless of the theory of liability.
The Services are provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
You acknowledge that the Services provide deterministic certification outputs based on the inputs you provide. The Services do not constitute financial advice, legal advice, or regulatory compliance assurance. You are solely responsible for your investment, trading, and compliance decisions.
9.5.1 No Absolute Security Guarantee. While we implement industry-standard security measures as described in our Privacy Policy, no system is completely secure. We do not warrant or guarantee that the Services will be free from vulnerabilities, unauthorized access, or security breaches.
9.5.2 Limitation of Liability for Security Incidents. To the maximum extent permitted by applicable law, we shall not be liable for any damages arising from unauthorized access to or alteration of your data, transmissions, or content, including but not limited to damages arising from security breaches, hacking, or other cyberattacks.
9.5.3 Your Security Responsibilities. You are solely responsible for safeguarding your API keys, credentials, and access tokens. You must immediately notify us at bill@northbeam.solutions if you suspect any unauthorized use of your account or API key. We are not liable for losses resulting from your failure to maintain the security of your credentials.
9.5.4 Third-Party Misuse. We are not liable for any decisions, actions, or consequences arising from third-party reliance on, or misuse of, certification outputs generated by the Services. Certificates are informational outputs and do not constitute guarantees, endorsements, or assurances regarding the safety or suitability of any action.
You agree to indemnify, defend, and hold harmless Northbeam Solutions and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to:
Either party may terminate these Terms by providing thirty (30) days' written notice to the other party. Written notice may be sent by email to the address associated with your account (for notices to you) or to bill@northbeam.solutions (for notices to us).
We may suspend or terminate your access immediately and without notice if:
Upon termination:
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles.
Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by JAMS in Wilmington, Delaware, in accordance with its Streamlined Arbitration Rules and Procedures. The arbitration shall be conducted by a single arbitrator. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
You agree that any arbitration or court proceeding shall be conducted on an individual basis and not as a class action. You waive any right to participate in a class action lawsuit or class-wide arbitration.
Notwithstanding the foregoing, either party may bring a claim in small claims court in Kent County, Delaware, if the claim qualifies.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Northbeam Solutions regarding the Services and supersede all prior agreements and understandings.
We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice on the developer portal. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.
You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction.
We shall not be liable for any failure or delay in performing our obligations under these Terms due to causes beyond our reasonable control, including but not limited to natural disasters, acts of government, Internet outages, or third-party service failures.
For questions about these Terms, please contact us: