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Terms

Effective January 12, 2026


By using OFAC-API.com, including any services or products made available by Rock and Welch LLC, you are agreeing to these latest Terms and Conditions (“Terms”). Violation of these Terms may, at our discretion, result in us terminating your account.

We may update these Terms of Service at any time. If we make significant changes, we will update the Effective Date at the top of this page.


Definitions

  • “Company”, “we”, “our”, or “us” in any of our policies or terms, refers to Rock and Welch LLC.
  • “Services” refer to our websites, including OFAC-API.com, and any product created and maintained by Rock and Welch LLC.
  • “You” or “your” refer to the people or organizations that own an account with one or more of our Services.
  • “Account” means the registered account created by you to access and use the Services, including any associated users, credentials, API keys, subscriptions, and usage activity.
  • “Subscription” or “plan” means the paid or free plan selected by you that governs pricing, usage limits, and access to the Services.


Account Terms

  • You are responsible for maintaining the security of your account, password and API key and for ensuring that any of your users do the same. The Company cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.
  • Accounts must be registered by an authorized human representative. Automated account registration methods are not permitted.


Payment, Refunds and Plan Changes

  • If you are using a free version of one of our Services, we do not require a credit card and we do not sell your data.
  • For paid Services, or if you are upgrading from a free tier, we will charge your card immediately and your billing cycle begins on the day of the purchase or upgrade. The subscription billing cycle is provided when you sign up.
  • For upgrades or downgrades to monthly subscriptions, the new rate starts from the next billing cycle.
  • For upgrades to yearly subscriptions, your billing cycle will be reset to the day of the upgrade and you will be charged a prorated fee that includes a credit for the unused time on the previous subscription. Yearly subscriptions may be canceled or downgraded but are non-refundable and non-prorated.
  • All fees are exclusive of all taxes, levies, or duties imposed by taxing authorities. Where required, we will collect those taxes on behalf of the taxing authority and remit those taxes to taxing authorities. Otherwise, you are responsible for payment of all taxes, levies, or duties.


Service Limits and Overages

  • We understand that our Services are critical to your business processes.
  • Paid Service limits are defined by the plan or subscription level you chose when you signed up or upgraded from a trial account. Any usage over this limit is considered overage.
  • In the event you exceed your Service limit, we do not immediately disable your Services. As a courtesy, we permit an amount of usage beyond each subscription plan limit (overage) to protect business continuity.
  • We will reach out to the account owner via email or phone before taking any action except in cases where the level of overage is excessive or negatively impacts the performance of the Service for other customers.


Cancellation and Termination

  • You are solely responsible for properly canceling your Service subscriptions or account. You may cancel at any time. Cancellation requests can be made via email to contact@ofac-api.com
  • If you cancel, cancellation stops auto-renewal immediately and you will not be charged for a subsequent billing period. You will retain access through the end of your then-current billing period unless we terminate earlier for cause. We do not automatically prorate unused time.
  • We reserve the right to suspend or terminate your account and refuse any and all current or future use of our Services for any reason at any time. Suspension means you and any other users on your account will not be able to access the account or Services.
  • You are solely responsible for ceasing Service usage upon cancellation. Because excessive attempts to reach our Services generate costs regardless of your account status, we reserve the right to charge for such usage after cancellation.


Modifications to the Service and Prices

  • We intend to support our Services as long as reasonably possible. That means when it comes to security, privacy, and customer support, we will continue to maintain any legacy Services. We reserve the right at any time to modify or discontinue, temporarily or permanently, any part of our Services.
  • In the event a Service is modified or discontinued, we will provide email notice no less than 30 days in advance.
  • We reserve the right to modify the pricing structure for our products at any time. Pricing changes typically occur no more than once per year but may occur more frequently. Initial pricing for new customers is honored for at least 6 months following a pricing change.


Uptime, Security, and Privacy

  • Your use of the Services is at your sole risk. We provide these Services on an “as is” and “as available” basis. A service-level agreement is not provided or standard with any of our Services, however we may offer an individual service-level agreement as an additional Service upon reviewing your requirements.
  • You agree that we may process your data as described in our Privacy Policy, including to provide, secure, maintain, and improve the Services.
  • On rare occasion, our staff may access your data for the following reasons:
  • To help you with support requests you make.
  • On the rare occasions when an error occurs that we investigate.
  • To the extent required by applicable law.


Services Adaptations and API Terms

We offer Application Program Interfaces (“API”s) for some of our Services. Any use of the API, including through a third-party product that accesses the Services, is bound by these Terms plus the following specific terms:

  • You expressly understand and agree that we are not liable for any damages or losses resulting from your use of the API or third-party products that access data via the API.
  • Third parties may not access and employ the API if the functionality is part of an application that remotely records, monitors, or reports a Service user’s activity, both inside and outside the applications. The Company, in its sole discretion, will determine if an integration service violates this provision. A third party that has built and deployed an integration for the purpose of remote user surveillance will be required to remove that integration.
  • Abuse, excessively frequent or overage requests to the Services via the API may result in the temporary or permanent suspension of your account’s access to the API. The Company, in its sole discretion, will determine abuse or excessive usage of the API. If we need to suspend your account’s access, we will attempt to warn the account owner first. If your API usage could or has caused downtime, we may cut off access without prior notice.


Data, Results, and Compliance Responsibility

The Services provide access to sanctions-related and compliance-related data and matching tools for informational purposes only.

You acknowledge and agree that:

  • The Services do not constitute legal advice, regulatory advice, or compliance certification
  • The Company does not guarantee the accuracy, completeness, or timeliness of any data or results
  • You are solely responsible for your compliance decisions, internal policies, and regulatory obligations
  • Use of the Services alone does not ensure compliance with OFAC, AML, KYC, BSA, or other applicable laws

You assume all risk arising from your use of the Services and from any decisions or actions taken based on the output of the Services.


Acceptable Use and Restrictions

You agree to use the Services only in compliance with these Terms and all applicable laws and regulations.

You may not, directly or indirectly:

  • Use the Services for any unlawful, fraudulent, or misleading purpose
  • Resell, sublicense, or provide access to the Services on a service-bureau or hosted basis
  • Circumvent or attempt to circumvent usage limits, rate limits, or access controls
  • Use automated means to scrape, extract, or harvest data except as expressly permitted through the API
  • Interfere with or disrupt the integrity or performance of the Services
  • Use the Services to develop, train, or enhance a competing sanctions, screening, or compliance product


Intellectual Property and License

All right, title, and interest in and to the Services, including without limitation the websites, APIs, software, documentation, datasets, algorithms, scoring methodologies, trademarks, service marks, and any related materials, are and will remain the exclusive property of the Company and its licensors.

Subject to your continued compliance with these Terms and timely payment of all applicable fees, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes during the term of your subscription.

You may not copy, modify, distribute, sell, sublicense, lease, reverse engineer, decompile, disassemble, or otherwise attempt to extract the source code, underlying data, or trade secrets of the Services, nor may you use the Services to build or support a competing product or service.

No rights are granted to you except as expressly stated in these Terms.

The Company reserves the right to investigate suspected violations of this section and to suspend or terminate access to the Services as described in these Terms.


Warranty and Disclaimer

NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, ALL ASPECTS OF THE SERVICES, INCLUDING ALL INFORMATION, SERVER AND NETWORK COMPONENTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND AND THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF ACCURACY, COMPLETENESS, MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. The Company does not warrant that the Services will identify all sanctioned, restricted, or prohibited persons or entities.


Limitation of Liability

To the maximum extent permitted by applicable law, in no event will the Company be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation lost profits, loss of data, business interruption, or regulatory penalties, arising out of or related to the use of or inability to use the Services.

The Company’s total liability for all claims arising out of or relating to the Services or these Terms will not exceed the total amount of fees paid by you to the Company for the Services during the twelve (12) months immediately preceding the event giving rise to the claim.

These limitations apply regardless of the theory of liability and even if the Company has been advised of the possibility of such damages.


Indemnification

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of any applicable law or regulation
  • Any decisions, actions, or omissions based on the output of the Services
  • Any third-party claim arising from your data, API usage, or integration


General Terms

  • Force Majeure. Neither you nor the Company shall be liable for any failure or delay in performance (other than payment obligations) due to events beyond the affected party’s reasonable control. If such event continues for more than thirty (30) days, either party may terminate these Terms by written notice.
  • Waiver. Any waiver must be in writing and signed by the party granting the waiver. A failure to enforce any provision of these Terms is not a waiver of future enforcement of that or any other provision.
  • Rights and remedies. No failure or delay by a party to exercise any right or remedy provided under these Terms or by law shall constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall prevent or restrict the further exercise of that or any other right or remedy. Except as expressly provided in these Terms, the rights and remedies provided under these Terms are in addition to, and not exclusive of, any rights or remedies provided by law.
  • Severance. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.
  • Survival. Sections relating to intellectual property, fees, acceptable use, data/results and compliance responsibility, disclaimers, limitation of liability, indemnification, governing law, and any provisions which by their nature should survive termination shall survive any termination or expiration of these Terms.
  • Entire agreement. These Terms, together with any referenced policies (including the Privacy Policy) and any applicable order form or subscription details presented at checkout, constitute the entire agreement between you and the Company regarding the Services and supersede any prior agreements or understandings on that subject.
  • No Third-Party Beneficiaries. These Terms do not confer any rights or remedies on any third party.
  • Assignment. You may not assign these Terms without the Company’s prior written consent. The Company may assign these Terms in connection with a merger, acquisition, reorganization, or sale of substantially all of its assets.
  • No partnership or agency. Nothing in these Terms is intended to or shall operate to create a partnership between the parties, or authorize either party to act as agent for the other, and neither party shall have the authority to act in the name or on behalf of or otherwise to bind the other in any way (including, but not limited to, the making of any representation or warranty, the assumption of any obligation or liability and the exercise of any right or power).
  • Governing Law and Venue. These Terms and any dispute arising out of or relating to the Services will be governed by the laws of the State of Florida, without regard to conflict of laws principles. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Florida.