Creatorlayer API Terms of Service
Template notice: These terms are a template. Not yet executed with any party.
Effective date: 2026-03-20 Last updated: 2026-03-20
These Terms of Service must be reviewed and approved by a qualified French lawyer (avocat) before being presented to any API customer. They are provided as a starting point only and do not constitute legal advice.
1. Acceptance of Terms
1.1 These API Terms of Service (the "Terms") govern access to and use of the Creatorlayer application programming interface, including the Risk Tape scoring endpoints, eligibility endpoints, and any related data, documentation, software development kits, code samples, or tools made available by SATOSHI FRAMEWORK SASU (collectively, the "API").
1.2 "SATOSHI FRAMEWORK SASU" (trading as "Creatorlayer") is a French SASU registered with the Registre du Commerce et des Sociétés, reachable at hello@satoshiframework.com ("we," "us," or "our").
1.3 By registering for an API key, accessing the API, or using any data or output produced by the API, you ("Lender," "you," or "your") agree to be bound by these Terms. If you are accessing the API on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.
1.4 If you do not agree to these Terms, you must not access or use the API.
2. API Access and API Keys
2.1 Provisioning. Access to the API is granted via API keys issued by Creatorlayer. You may not access the API without a valid API key.
2.2 Security. You are solely responsible for maintaining the confidentiality and security of your API key. You must not share, publish, expose, or transfer your API key to any third party. You must notify us immediately at hello@satoshiframework.com if you become aware of any actual or suspected unauthorised use of your API key.
2.3 One key per integration. Each API key corresponds to a single integration endpoint. If you operate multiple products or systems that consume the API, you must obtain separate API keys for each.
2.4 Revocation. We reserve the right to revoke, suspend, or regenerate any API key at any time, with or without notice, if we reasonably believe the key is being used in violation of these Terms or in a manner that poses a risk to the API, to other users, or to affected data subjects.
3. Permitted Uses
3.1 Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the API solely for:
(a) evaluating the creditworthiness or income stability of individual creators who have provided their informed consent via the Creatorlayer consent flow; (b) making internal lending decisions with respect to such creators; and (c) any other use expressly permitted in writing by Creatorlayer.
3.2 This licence does not include any right to use the API or any data or output derived from the API for any purpose not listed in Section 3.1.
4. Prohibited Uses
4.1 No reverse engineering. You shall not, and shall not permit any third party to:
(a) reverse engineer, decompile, disassemble, decode, or otherwise attempt to derive or reconstruct the source code, algorithms, data models, weight calibrations, scoring methodology, or underlying logic of the API or any Risk Tape output; (b) use automated tools, differential analysis, or statistical inference techniques to attempt to reconstruct, approximate, or replicate the Risk Tape scoring algorithm from API outputs; (c) probe, scan, or test the API for vulnerabilities or attempt to bypass any security or access controls.
4.2 No equivalent product. You shall not use data, outputs, or insights obtained via the API, directly or indirectly, to:
(a) design, develop, build, train, or otherwise create any product, service, or system that scores, rates, ranks, or assesses creator income, creator creditworthiness, or creator financial risk in competition with the Creatorlayer Risk Tape product; (b) create a dataset, model, or algorithm trained on or derived from API outputs for any purpose other than the permitted use in Section 3.1.
4.3 No benchmarking without consent. You shall not publish, share, or disclose benchmarking, performance, or accuracy comparisons of the API, the Risk Tape score, or any component thereof with any third-party product or service without the prior written consent of Creatorlayer.
4.4 No resale or sublicensing. You shall not resell, sublicense, redistribute, or otherwise make the API or any Risk Tape output available to any third party (including as part of a white-label service) without our prior written consent.
4.5 No misuse of creator data. You shall not use Risk Tape data for any purpose other than the lending decision for which it was obtained. You shall not use Risk Tape data to discriminate against creators on any protected ground under applicable law, including race, gender, age, religion, or national origin.
4.6 Applicable law. You shall not use the API for any purpose that violates applicable law, including GDPR, French data protection law, consumer credit regulations, or anti-discrimination law.
5. Rate Limits and Quotas
5.1 Your API access is subject to rate limits based on your subscription plan. Rate limits are enforced at the API key level using a sliding window. Current limits are documented in the Rate Limits page.
5.2 You shall not attempt to circumvent rate limits, including by using multiple API keys, distributing requests across IP addresses, or any other technique.
5.3 If you require a higher rate limit, contact us at hello@satoshiframework.com to discuss an enterprise plan.
5.4 We reserve the right to throttle, suspend, or terminate your access if your usage pattern suggests misuse, abuse, or an attempt to exceed rate limits.
6. Data and Privacy
6.1 Creator consent. You acknowledge that the Risk Tape API processes personal data belonging to creators. You shall not submit a creator's identifiers to the API unless that creator has provided valid, informed consent via the Creatorlayer consent flow in compliance with GDPR Article 6(1)(a) and, where applicable, Article 9.
6.2 Data Processing Agreement. To the extent that your use of the API involves Creatorlayer processing personal data on your behalf as a data processor, you must execute a Data Processing Agreement (DPA) with Creatorlayer prior to first use of the API in a production environment. The Creatorlayer DPA is available at /legal/dpa.
6.3 Purpose limitation. You shall process any personal data received from the API only for the permitted lending purpose and in accordance with the privacy notice provided to the relevant data subject.
6.4 Data retention. You shall not retain Risk Tape output data for longer than is necessary for the permitted use. You shall implement a data retention policy and delete Risk Tape data when it is no longer required.
6.5 Security. You shall implement appropriate technical and organisational measures to protect Risk Tape data against unauthorised access, disclosure, alteration, or destruction, consistent with the sensitivity of financial and credit data.
7. Intellectual Property
7.1 Ownership. All right, title, and interest in and to the API, the Risk Tape scoring algorithm, the metric weight calibrations, the eligibility rule engine, the data normalisation logic, the data quality score formula, platform integration schemas, documentation, and all other components of the Creatorlayer platform are and shall remain the exclusive property of SATOSHI FRAMEWORK SASU. These assets are protected under the EU Trade Secrets Directive 2016/943, applicable French law, and international intellectual property law.
7.2 No implied licence. These Terms do not grant you any rights in or to any intellectual property of Creatorlayer except the limited API access licence in Section 3.1.
7.3 Feedback. If you provide any suggestions, feedback, or ideas regarding the API (collectively, "Feedback"), you grant Creatorlayer a perpetual, irrevocable, worldwide, royalty-free licence to use, incorporate, and exploit such Feedback in any manner without restriction or compensation to you.
8. Fees and Payment
8.1 Access to the API beyond any free tier is subject to fees as set out in the pricing schedule communicated to you at time of registration or as updated by Creatorlayer from time to time with thirty (30) days' notice.
8.2 Fees are non-refundable except as required by applicable law or as expressly agreed in writing.
8.3 If fees are not paid by the due date, Creatorlayer may suspend your API access until payment is received.
9. Indemnification
You shall indemnify, defend, and hold harmless Creatorlayer, its shareholders, directors, officers, employees, agents, and successors from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:
(a) your use of the API or any Risk Tape output; (b) your breach of these Terms; (c) your processing of personal data in violation of GDPR or applicable law; (d) any claim by a creator or data subject arising from your use of their data obtained via the API; (e) any third-party claim arising from a lending decision you made using Risk Tape data.
10. Disclaimer of Warranties
10.1 THE API AND ALL RISK TAPE OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND.
10.2 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CREATORLAYER EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND COMPLETENESS.
10.3 CREATORLAYER DOES NOT WARRANT THAT THE API WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS. RISK TAPE SCORES ARE STATISTICAL ESTIMATES AND NOT GUARANTEES OF REPAYMENT. ALL LENDING DECISIONS REMAIN SOLELY THE RESPONSIBILITY OF THE LENDER.
11. Limitation of Liability
11.1 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CREATORLAYER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR REPUTATIONAL HARM, ARISING FROM OR RELATED TO YOUR USE OF THE API OR ANY RISK TAPE OUTPUT, EVEN IF CREATORLAYER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.2 CREATORLAYER'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER OR IN CONNECTION WITH THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO CREATORLAYER IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR €500, WHICHEVER IS GREATER.
11.3 The limitations in this Section shall not apply to liability that cannot be excluded or limited under applicable French law, including liability for fraud (dol), intentional misconduct (faute intentionnelle), or personal injury.
12. Confidentiality
12.1 You acknowledge that the API, its responses, documentation, pricing, technical specifications, and any non-public information disclosed to you in the course of the commercial relationship constitute confidential information of Creatorlayer.
12.2 You shall maintain the confidentiality of such information using at least the same degree of care you apply to your own confidential information, but no less than reasonable care, and shall not disclose it to any third party without our prior written consent.
12.3 If you require a more detailed confidentiality framework, a Mutual NDA template is available at /legal/nda.
13. Term and Termination
13.1 These Terms apply for as long as you hold an active API key or use the API, whichever is longer.
13.2 Termination for breach. Creatorlayer may suspend or terminate your API access immediately upon written notice (including by email) if:
(a) you breach any provision of these Terms and fail to cure the breach within five (5) business days of notice (where the breach is capable of cure); (b) you breach Section 4 (Prohibited Uses) — no cure period applies; (c) you become insolvent, enter liquidation, or have a receiver or administrator appointed; (d) we are required to do so by applicable law or a regulatory authority.
13.3 Effect of termination. Upon termination:
(a) all licences granted to you under these Terms immediately cease; (b) you must immediately cease all use of the API and destroy or return all API keys, documentation, and Risk Tape outputs; (c) you must certify in writing within five (5) business days that such destruction is complete.
13.4 Survival. Sections 4, 6, 7, 9, 10, 11, 12, 13.3, 13.4, and 14 shall survive any termination or expiry of these Terms.
14. Governing Law and Jurisdiction
14.1 These Terms shall be governed by and construed in accordance with French law, to the exclusion of its conflict of laws rules and the United Nations Convention on Contracts for the International Sale of Goods.
14.2 Any dispute arising out of or in connection with these Terms, including any dispute regarding their validity, interpretation, or termination, shall be subject to the exclusive jurisdiction of the courts of Paris, France (Tribunal de Commerce de Paris for commercial disputes).
15. Amendments
We reserve the right to modify these Terms at any time. We will provide at least thirty (30) days' notice of material changes by email to the address registered with your API account. Your continued use of the API after the effective date of a change constitutes your acceptance of the revised Terms. If you do not agree to a change, you must cease using the API before the effective date.
16. General
16.1 Entire agreement. These Terms, together with any Order Form, DPA, or additional agreement executed between the Parties, constitute the entire agreement between you and Creatorlayer with respect to the API and supersede all prior negotiations, representations, and agreements.
16.2 Severability. If any provision is found invalid or unenforceable, the remainder of the Terms shall continue in full force.
16.3 No waiver. Failure to enforce any provision shall not constitute a waiver of the right to enforce it subsequently.
16.4 Assignment. You may not assign these Terms or any rights or obligations hereunder without our prior written consent. Creatorlayer may assign these Terms to a successor entity in connection with a merger, acquisition, or sale of substantially all of its assets.
16.5 Force majeure. Neither Party shall be liable for delays or failures caused by circumstances beyond reasonable control, provided the affected Party gives prompt notice and uses reasonable efforts to mitigate the impact.
For questions about these Terms, contact us at hello@satoshiframework.com.
These Terms of Service were last updated on 2026-03-20. They must be reviewed by qualified legal counsel before use.