3.1 Permitted Use

You may use the Platform solely for lawful purposes and in accordance with this Policy.

3.2 Prohibited Conduct

You may not:

• ✕Use the Platform to transmit malicious code, viruses, or harmful software.
• ✕Attempt to bypass, disable, or circumvent rate limits, quotas, or security measures.
• ✕Reverse-engineer, decompile, or extract routing logic or internal algorithms of the Platform.
• ✕Scrape, harvest, or collect user data without authorization.
• ✕Impersonate another user or entity, or misrepresent your affiliation.
• ✕Use the Platform to facilitate illegal activity, fraud, money laundering, or terrorism financing.
• ✕Publish APIs that violate third-party intellectual property, privacy rights, or applicable law.
• ✕Interfere with or disrupt the integrity or performance of the Platform or its infrastructure.
• ✕Share API keys, credentials, or subscription access with unauthorized parties.

3.3 Consequences of Violation

4.1 Payment Currency

4.2 Subscription Charges

When you subscribe to a Plan, the full Plan price is immediately deducted from your Wallet. If your Wallet balance is insufficient, the transaction will fail. You must maintain adequate FXC balance before subscribing. For refund refer to Section 6.

4.3 Recurring Subscriptions

If you enable recurring billing, we will attempt renewal when the Subscription end date is on or before the current date. The Plan price will be charged to your Wallet on the renewal date. If your Wallet has insufficient funds and the renewal cannot be completed, the Subscription will be moved from Active to Expiring status. Once a Subscription is in Expiring, it will not automatically resume — you must manually resume the Subscription after topping up your Wallet. If the Subscription reaches its end date without being resumed, the API gateway for that Subscription will be closed and API requests will begin to fail until you resume the Subscription and successfully renew. You are solely responsible for maintaining sufficient Wallet balance to avoid service interruption. We do not provide advance renewal failure notifications. But once renewal fails, you will be notified via email.

4.4 Overage Charges

If you exceed your Plan's Quota and have enabled Allow Soft Limit, Overage charges will apply. Overage is calculated as: (Requests beyond Quota) × (Plan's price per request). Overage charges are deducted from your Wallet in real-time and settled to vendor in next 24hrs (max). If your Wallet balance falls below zero due to Overage, your Subscription may be blocked until payment is received or quota reset. Overage charges are non-refundable.

4.5 Pay-As-You-Go (PAYG) Plans

4.6 Coupons and Discounts

Coupons may apply discounts to Plan prices. Coupons are subject to availability, expiration dates, usage limits, and Plan eligibility by Vendor. Once a coupon is applied to a Subscription, the discount applies only to the initial purchase. Unless explicitly marked as renewable, coupons do not apply to recurring billing cycles. Coupons have no cash value and cannot be transferred or refunded. Discount are still applicable for per request charges (overage and PAYG).

4.7 Platform Fees

4.8 Payment Methods

Subscribers may top up their Wallet (in FXC) using supported payment methods, which may include credit/debit cards, or other methods as designated by the Platform. Payment processing is handled by third-party providers. We are not responsible for payment gateway failures, declined transactions, or delays.

4.9 Wallet Withdrawals

Subscribers may not withdraw FXC from their Wallet. See Section 5 for Vendor Payout terms.

4.10 Chargebacks

4.11 Partial Refunds for Usage

Plan fees are non-refundable except as explicitly provided in Section 6 (Refund Policy). Partial usage does not entitle you to a prorated refund unless you qualify under Section 6.

4.12 Tax Obligations

You are solely responsible for all taxes, duties, and fees associated with your use of the Platform. The Platform does not collect or remit taxes on your behalf unless required by law. Prices displayed exclude applicable taxes unless stated otherwise.

5.1 Revenue Recognition

When a Subscriber purchases a Subscription to your Application, the Plan price (minus Platform Fees) is credited to your Earning Balance in USD (approximate). Revenue from Overage and PAYG usage is batched and credited once in 24hrs of request, minus Platform Fees. All Vendor revenue and balances are denominated in USD approximation, not FXC.

5.2 Payout Balance vs Earning Balance vs. Wallet Balance

5.3 Payout Timing

Payouts are initiated by the Platform by end of the month; Payouts are executed when your Payout Balance meets the requested minimum withdrawal threshold (≥$10 default). All payouts are subject to manual review by Platform administrators. Processing time is typically 5-14 business days from platform admins confirmation, but may be longer depending on payment method and jurisdiction. Payouts are executed after any required compliance checks; currency conversion may be applied at the time of approval and the final Payout amount will reflect any conversion and processing fees.

5.4 Auto-Withdraw Threshold

You may configure an auto-withdraw threshold. When your Payout Balance reaches this amount, a Payout will be initiated on the next month end.

5.5 Beneficiary Information

To receive Payouts, you must provide complete and accurate beneficiary information, including legal name, address, bank account details, and required identity verification documents (if requested). Incomplete or incorrect information will result in Payout rejection. You are solely responsible for ensuring this information is current and accurate.

By providing beneficiary information, you expressly consent to its collection, verification, storage, and disclosure to payout processors solely for the purpose of executing payouts.

5.6 Payout Fees and Currency Conversion

5.7 Payout Holds and Reserves

The Platform reserves the right to hold or delay Payouts if: (a) there is suspected fraud, abuse, or policy violation; (b) chargebacks or refund requests are pending; (c) your account is under review; or (d) required by law or regulatory authority. Held funds will be released upon resolution of the issue or as required by law. Proper email notification will be provided in such cases.

5.8 Vendor Liability for Refunds

If a Subscriber is granted a refund under Section 6, the refund amount (including Platform Fees) will be deducted from your Earning Balance (in USD). You are financially responsible for all approved refunds.

5.9 Taxation and Reporting

You are solely responsible for reporting and paying all taxes on revenue earned through the Platform. The Platform may provide transaction records if requested but does not provide tax advice or file tax returns on your behalf. You must comply with all applicable tax laws in your jurisdiction.

5.10 Payout Proof

Upon completion of a Payout, the Platform will saves proof of payment (transaction ID or receipt) from payout processor. This proof is the sole record of Payout. Disputes regarding Payout amounts or timing must be raised within 30 days of the Payout date. If you need additional documentation for tax or accounting purposes, you must request it.

5.11 Supported Payout Regions & Payment Provider Limitations

5.12 Unclaimed or Unpayable Payouts

If a Vendor fails to provide valid payout information for more than 12 months, or their region remains unsupported by Instarem, the funds may be classified as unclaimed and handled according to applicable abandoned property laws. We will make reasonable attempts to notify the Vendor via email before taking action.

6.1 General Rule: Refunds Allowed Under Specific Conditions

Subscribers may cancel their Subscription at any time. Refunds are not guaranteed and are issued only under the conditions explained in this Section 6.

6.2 Eligibility for Refund

6.3 Refund Calculation

6.4 Refund Request Process

A refund request is automatically generated when a Subscriber cancels a plan, switches plans, or when the Vendor performs a force action (deleting or modifying endpoints, plans, or endpoint groups) that impacts active Subscriptions. No additional manual steps are required from the Subscriber. On such impactful Vendor actions, the subscription will be canceled.

6.5 Refund Method

Approved refunds are credited to the Subscriber's Wallet in FXC. Refunds are not returned to external payment methods. Refunded FXC is non-withdrawable and may only be used for future Subscriptions.

6.6 No Refunds for Violations

If your account or Subscription is suspended or terminated due to policy violations, you are not eligible for a refund, regardless of remaining usage.

7.1 Gateway Function

The Platform acts as an intermediary gateway, routing API requests from Subscribers to Vendor-hosted Applications. We do not host or control the underlying Application APIs.

7.2 Rate Limits

Each Plan defines rate limits per Endpoint Group. Rate limits specify the maximum number of requests permitted within a time interval (e.g., requests per second, per minute). Exceeding rate limits will result in request throttling or rejection with an HTTP 429 status code. Rate limits are enforced in real-time by the Platform.

7.3 Quotas

Quotas specify the total number of requests allowed during a billing period. Quota enforcement is independent of rate limits. If you exceed your Quota and have not enabled Allow Soft Limit, further requests will be rejected with an HTTP 403 status code until the next billing period or Quota reset.

7.4 Endpoint Groups

Applications may organize endpoints into Endpoint Groups. Each Group has its own rate limit and quota configurations. Consuming requests from one Group does not affect the quota or rate limit of another Group.

7.5 Request Routing and Technical Limitations

The Platform routes requests based on path matching, HTTP method, and Subscription entitlements. You may not reverse-engineer, probe, or attempt to jail break the service.

7.6 Timeout Policy

Requests are subject to timeout limits set by the Platform. Timeouts caused by Vendor-side latency count against quota. Timeouts caused by Platform internal errors do not. We are not responsible for timeout-related failures caused by Vendor-side latency. Timeout is 30sec. This timeout applies universally across all Applications unless the Platform explicitly introduces Vendor-configurable timeouts in future.

7.7 No Guaranteed Uptime

The Platform does not guarantee 100% uptime or availability. Scheduled maintenance, outages, and third-party failures may occur. We are not liable for downtime except as provided in Section 6 (Refund Policy) and Section 10 (Liability Disclaimer).

8.1 Request Logging

The Platform logs all API requests passing through the gateway, including: request headers, query parameters, request body, response headers, response body, status codes, latency, timestamp, and Subscriber identity. Logs are used for billing, analytics, debugging, security, and compliance purposes.

Timestamps recorded in logs are in UTC and serve as the authoritative time reference for billing, quota resets, rate limiting, settlement windows, and dispute timelines.

8.2 Log Access

Subscribers may access logs for their own Subscriptions through the Platform dashboard. Vendors may access aggregated analytics and logs for requests to their Applications. Platform administrators have full access to all logs.

8.3 Log Retention

Logs are retained for a minimum of 90 days and a maximum of 2 years, or as required by applicable law. After the retention period, logs may be deleted or archived. You may not request log deletion during the retention period except as required by GDPR or CCPA (see Section 9).

8.4 Sensitive Data

9.1 GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), the United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) applies. The Platform acts as a Data Controller for account and billing data, and as a Data Processor for API request logs. You have the right to: access your personal data; rectify inaccurate data; request deletion (right to be forgotten); restrict or object to processing; and data portability. To exercise these rights, contact us at [email protected]. We will respond within 30 days.

9.2 CCPA Compliance (California Users)

If you are a California resident, the California Consumer Privacy Act (CCPA) applies. You have the right to: know what personal information we collect; know whether we sell or share your information (we do not sell personal information); request deletion of your information; and opt-out of sales (not applicable). To exercise these rights, contact us at [email protected]. We will respond within 45 days.

9.3 Data Sharing

9.4 International Data Transfers

Your data may be transferred to and processed in countries outside your jurisdiction, including countries that may not have equivalent data protection laws. By using the Platform, you consent to such transfers.

9.5 Law Enforcement Requests

We will comply with valid legal requests from law enforcement, courts, and government agencies. This may include disclosure of account information, logs, payment records, and communications. We will notify you of such requests unless legally prohibited.

9.6 Data Breach Notification

In the event of a data breach affecting your personal information, we will notify you within 72 hours of discovering the breach, or as required by applicable law. Notification will include the nature of the breach, affected data, and remediation steps.

9.7 Children's Privacy

The Platform is not directed to children under the age of 13, and we do not knowingly collect personal information from anyone under 13. Users aged 13 to 17 may use the Platform with the consent of a parent or legal guardian and may purchase API subscriptions. However, only users 18 years and older may act as Vendors, create paid API plans, earn revenue, receive payouts, or access features related to monetization.

9.8 Retention of User-Generated Content After Account Deletion

10.1 Security Measures

We implement industry-standard security controls to protect the Platform and your data, including encryption in transit and at rest, access controls, authentication mechanisms, and monitoring systems.

10.2 API Key Security

You are solely responsible for safeguarding your API keys and credentials. Do not share API keys, embed them in public repositories, or expose them in client-side code. If your API key is compromised, you must immediately rotate it through the Platform dashboard.

10.3 Vulnerability Reporting

If you discover a security vulnerability in the Platform, you must report it to [email protected] immediately. Do not publicly disclose vulnerabilities before they are resolved. We will acknowledge receipt within 48 hours and provide updates on remediation.

10.4 No Security Guarantee

While we employ security best practices, no system is 100% secure. We do not guarantee that the Platform will be free from security breaches, unauthorized access, or vulnerabilities. See Section 11 for liability limitations.

11.1 Service Provided "As-Is"

11.2 No Warranty of Availability or Accuracy

11.3 Third-Party Applications

11.4 Limitation of Liability

11.5 Indemnification

You agree to indemnify, defend, and hold harmless the Platform, its affiliates, and their respective officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the Platform; (b) your violation of this Policy; (c) your violation of any law or regulation; or (d) your infringement of any third-party rights.

11.6 Force Majeure

We are not liable for failure or delay in performance caused by events beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, internet outages, or failures of third-party services.

12.1 Termination by User

You may terminate your account at any time from your user profile section under Security tab. Upon termination, all active Subscriptions will be canceled. No refunds will be issued except as provided in Section 6. Your Wallet balance will be forfeited unless you are a Vendor with Payout Balance, in which case you may request a final Payout within 30 days of termination by contacting support.

12.2 Termination by Platform

We may suspend or terminate your account immediately, with or without notice, if: (a) you violate this Policy; (b) your account is involved in fraudulent, illegal, or harmful activity; (c) you fail to pay amounts owed; (d) we are required to do so by law; or (e) we discontinue the Platform.

12.3 Effect of Termination

Upon termination: (a) your access to the Platform will be revoked; (b) all Subscriptions will be canceled; (c) your Wallet balance will be forfeited (except Vendor Payout Balance); (d) logs and data may be retained as required by law or for compliance purposes; and (e) provisions of this Policy that by their nature should survive (including liability disclaimers, indemnification, and dispute resolution) will remain in effect.

12.4 Account Deletion Timeline

12.5 Vendor Account Deletion Restrictions

12.6 Content Retention After Account Deletion

13.1 Right to Modify

We reserve the right to modify this Policy at any time. Changes will be effective immediately upon posting to the Platform unless otherwise stated. Material changes (e.g., changes to billing, refunds, or liability) will be announced via email or Platform notification at least 30 days in advance.

13.2 Acceptance of Changes

Your continued use of the Platform after changes are posted constitutes acceptance of the modified Policy. If you do not agree to the changes, you must immediately cease use and terminate your account.

13.3 Versioning

Each version of this Policy is identified by a "Last Updated" date at the top of this document. Previous versions are archived and available upon request for compliance and legal purposes.

14.1 Governing Law

This Policy and your use of the Platform shall be governed by and construed in accordance with the laws of Malaysia, without regard to conflict of law principles.

14.2 Dispute Resolution

Any dispute arising from or relating to this Policy or the Platform shall first be resolved through good-faith negotiation. If negotiation fails, the dispute shall be submitted to binding arbitration in Malaysia under the rules of Asian International Arbitration Centre (AIAC). The arbitrator's decision is final and binding. You waive any right to a jury trial or class action. This waiver applies only to the extent permitted by applicable law.

14.3 Exceptions

Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm, including enforcement of intellectual property rights or confidentiality obligations.