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Terms of Service

Last updated: December 2024

Please read these Terms of Service ("Terms") carefully before using Circuit's identity verification network services.

1. Acceptance of Terms

By accessing or using Circuit's services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the service.

2. Description of Service

Circuit provides a privacy-preserving identity verification network that enables financial institutions to share verification trust without sharing personal data. Our services include:

  • Identity verification orchestration
  • Zero-knowledge pointer system
  • Secure tunneling between institutions
  • API access and integration tools

3. Eligibility

Our services are available only to:

  • Registered financial institutions
  • Licensed money service businesses
  • Regulated fintech companies
  • Other entities that pass our compliance review

You must be 18 years or older and have authority to bind your organization to these Terms.

4. Account Registration

To use our services, you must:

  • Register for an account
  • Provide accurate and complete information
  • Maintain the security of your API credentials
  • Notify us immediately of any unauthorized access

5. Acceptable Use

You agree NOT to:

  • Use the service for any unlawful purpose
  • Attempt to reverse-engineer our systems
  • Interfere with the service's operation
  • Share API credentials with unauthorized parties
  • Process transactions for sanctioned entities or individuals

6. Compliance Obligations

You are responsible for:

  • Maintaining appropriate KYC/AML programs
  • Complying with FinCEN regulations
  • Meeting your jurisdiction's data protection requirements
  • Keeping accurate records as required by law

7. Service Level Agreement

Circuit provides:

  • 99.9% uptime guarantee
  • Multi-zone redundancy
  • Automated failover capabilities
  • Graceful degradation when issues occur

See our SLA documentation for detailed terms and remedies.

8. Fees and Payment

  • Fees are outlined in your service agreement
  • Invoices are due within 30 days
  • We reserve the right to modify pricing with 60 days notice
  • Overdue accounts may have service suspended

9. Intellectual Property

Circuit retains all rights to:

  • Our technology and infrastructure
  • Documentation and APIs
  • Trademarks and branding

You retain all rights to your data and customer information.

10. Limitation of Liability

To the maximum extent permitted by law:

  • Circuit is not liable for indirect, incidental, or consequential damages
  • Our total liability is limited to fees paid in the preceding 12 months
  • We are not liable for actions of third parties

11. Indemnification

You agree to indemnify Circuit against claims arising from:

  • Your violation of these Terms
  • Your violation of applicable laws
  • Your customers' claims against you

12. Termination

Either party may terminate with 30 days written notice. Circuit may terminate immediately for:

  • Material breach of Terms
  • Violation of applicable law
  • Fraudulent activity

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

14. Changes to Terms

We may modify these Terms with 30 days notice for material changes. Continued use constitutes acceptance of modified Terms.

15. Contact

For questions about these Terms:

Email: legal@circuit.io Address: Circuit, Inc., San Francisco, CA