Terms of Service

Last updated: December 2024

1. Acceptance of Terms

By accessing or using the Surplus Lines API service ("Service") provided by Underwriters Technologies ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

Surplus Lines API provides a REST API for calculating surplus lines taxes, stamping fees, and related charges for insurance transactions across U.S. states and territories. The Service includes:

  • Tax calculation endpoints
  • Rate lookup endpoints
  • Account management portal
  • API documentation

3. Account Registration

To use the Service, you must create an account. You agree to:

  • Provide accurate and complete registration information
  • Maintain the security of your API keys and credentials
  • Accept responsibility for all activity under your account
  • Notify us immediately of any unauthorized use

4. Pricing and Payment

Free Tier: New accounts receive 100 free API queries. These free queries are one-time and do not renew.

Paid Usage: After exhausting free queries, usage is billed at $0.38 per query. A minimum monthly charge of $18 applies to active accounts.

Deposits: An initial deposit of $50 is required to activate paid access. This amount is credited to your account balance.

Auto-Recharge: When your balance falls below $15, your account will be automatically recharged $50 using your payment method on file.

No Refunds: Account credits are non-refundable. Unused credits remain available indefinitely.

5. Acceptable Use

You agree not to:

  • Share API keys or allow unauthorized access to your account
  • Attempt to circumvent rate limits or usage restrictions
  • Use the Service for any illegal purpose
  • Resell access to the API without written permission
  • Interfere with or disrupt the Service
  • Reverse engineer or attempt to extract source code

6. Data Accuracy

We strive to maintain accurate and up-to-date tax rate information. However:

  • Tax rates are provided for informational purposes
  • You are responsible for verifying rates for compliance purposes
  • We provide legislative source references to assist verification
  • We are not liable for errors in tax calculations or rate data

If you discover an error, please contact us so we can investigate and correct it.

7. Service Availability

We aim to provide reliable service but do not guarantee uninterrupted availability. We may:

  • Perform maintenance that temporarily affects availability
  • Modify or discontinue features with reasonable notice
  • Suspend accounts that violate these Terms

8. Intellectual Property

The Service, including its API, documentation, and design, is owned by Underwriters Technologies. You may not copy, modify, or distribute our intellectual property without permission.

Data returned by the API (tax calculations) may be used in your applications and stored for your business purposes.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDERWRITERS TECHNOLOGIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify and hold harmless Underwriters Technologies from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

11. Termination

You may close your account at any time. We may terminate or suspend your account for violation of these Terms or for any reason with 30 days notice.

Upon termination, your access to the Service will end. Remaining account credits are non-refundable.

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes via email or through the Service. Continued use after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts located in Texas.

14. Contact

Questions about these Terms? Contact us at:

Underwriters Technologies
Email: support@surpluslinesapi.com