Effective date: 1 February 2024 · Last updated: 10 April 2024
By accessing or using the PolDex API, you agree to be bound by these Terms of Service. If you are using PolDex on behalf of an organisation, you represent that you have authority to bind that organisation. If you do not agree, do not use the service.
PolDex is a prepaid API-native infrastructure service that extracts structured, evidence-backed data from commercial P&C insurance documents. PolDex does not provide a dashboard, login portal, workspace, or managed services. The API is the control surface.
Your API key is your credential. You are responsible for:
- Storing your API key securely in a secrets manager or environment variable
- Not committing your API key to version control
- Not sharing your key in logs, Slack, tickets, or public repositories
- Rotating your key immediately if you suspect it has been compromised
- All API calls made using your key, whether or not you authorised them
PolDex stores only a hashed version of your key. Recovery is not possible. Rotation is self-serve via POST /v1/keys/rotate.
Access to extraction capacity is governed by a prepaid credit ledger.
- Credits are purchased in advance and are non-refundable except as required by law
- A credit hold is placed at 202 Accepted and captured on successful delivery
- Internal failures release the hold — you are not charged for PolDex errors
- Insufficient credits result in 402 Payment Required — no partial processing occurs
- Credits do not expire
- Enterprise buyers may preload credits by contract under separate terms
You may not use PolDex to:
- Process documents you do not have the legal right to submit
- Probe, attack, or reverse-engineer PolDex infrastructure
- Attempt to circumvent credit enforcement
- Resell PolDex API access without a written reseller agreement
- Submit documents containing personal health information or regulated financial data without applicable compliance controls in place on your side
You retain all rights to documents and data you submit for processing. By submitting content, you grant PolDex the right to process that content solely for the purpose of fulfilling your extraction request.
PolDex will not use your submitted content to train, fine-tune, or improve models. Customer content is governed by our Privacy Policy and, for enterprise buyers, the Data Processing Agreement.
PolDex retains all rights to the PolDex API, infrastructure, schemas, extraction models, and platform. Nothing in these terms transfers intellectual property rights to you except the limited right to use the API as described herein.
PolDex targets high availability but does not guarantee uninterrupted service. We may update the API, deprecate endpoints, or modify schemas with advance notice. Breaking changes to v1 endpoints will be communicated at least 30 days in advance via the Changelog and to registered API key holders.
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. POLDEX DOES NOT WARRANT THAT EXTRACTION OUTPUT IS COMPLETE, ACCURATE, OR FIT FOR ANY PARTICULAR PURPOSE. OUTPUT SHOULD BE VALIDATED AGAINST SOURCE DOCUMENTS FOR HIGH-STAKES DECISIONS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, POLDEX'S LIABILITY FOR ANY CLAIM ARISING FROM USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM. POLDEX IS NOT LIABLE FOR INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
PolDex may suspend or terminate access for: non-payment, acceptable use violations, fraud, or regulatory requirement. We will provide notice where feasible except in cases of security emergency or severe violation.
These terms are governed by the laws of Delaware, United States, without regard to conflict of law principles. Disputes shall be resolved in the federal or state courts located in Delaware.
Legal questions: legal@poldex.io
PolDex Inc.