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Terms of Service

Effective Date: March 17, 2026

Welcome to CookieJar! Before you access our services, please read these Terms of Service.

These Terms of Service ("Terms") govern your use of the CookieJar API, developer dashboard, website, documentation, and any other products or services we may offer (together, our "Services"). These Terms are a contract between you and CookieJar ("CookieJar," "we," "us," or "our"), and they include our Acceptable Use Policy. By accessing our Services, you agree to these Terms.

Please read our Privacy Policy, which describes how we collect and use personal information.

1. Who We Are

CookieJar is a data platform that provides structured, continuously updated information about consumer financial products across the Asia Pacific region. We collect, extract, validate, and deliver data on credit cards, savings accounts, fixed deposits, personal loans, travel insurance, car loans, home loans, and buy-now-pay-later products through an API and developer dashboard.

2. Account Creation and Access

Minimum Age

You must be at least 18 years old or the minimum age required to consent to use the Services in your jurisdiction, whichever is higher.

Your CookieJar Account

To access our Services, you must create an Account. You agree to provide correct, current, and complete Account information and allow us to use it to communicate with you about our Services. Communications sent to your Account contact information will satisfy any requirements for legal notices.

You may not share your Account login credentials or API keys with anyone else, nor make your Account available to any other person. You are responsible for all activity occurring under your Account, including all API calls made using your API keys. You agree to notify us immediately if you become aware of any unauthorized access to your Account by contacting support@cookiejar.tech.

You may close your Account at any time by contacting us at support@cookiejar.tech.

API Keys

Upon creating an Account, you will be issued one or more API keys to authenticate your requests to our Services. API keys are confidential credentials tied to your Account. You must keep your API keys secure and not embed them in publicly accessible code, client-side applications, or any other location where they could be exposed to unauthorized parties. You are responsible for all usage associated with your API keys, regardless of whether you authorized it.

If you believe an API key has been compromised, you should immediately revoke it through your developer dashboard and generate a new one.

3. Use of Our Services

You may access and use our Services only in compliance with these Terms, including our Acceptable Use Policy, and any guidelines or supplemental terms we may post on the Services. You are responsible for all activity under your Account.

You may not access or use, or help another person to access or use, our Services in the following ways:

  • In any manner that violates any applicable law or regulation in any relevant jurisdiction.
  • To systematically scrape, crawl, or harvest data from our Services beyond what is provided through the API in accordance with your subscription tier and rate limits.
  • To redistribute, resell, sublicense, or make our data available to third parties as a standalone dataset or competing data product, unless expressly permitted under your subscription agreement.
  • To decompile, reverse engineer, disassemble, or otherwise reduce our Services to human-readable form, except where these restrictions are prohibited by applicable law.
  • To use our Services or data to obtain unauthorized access to any system or information, or to deceive any person.
  • To infringe, misappropriate, or violate intellectual property or other legal rights (including the rights of publicity or privacy).
  • To access our API through automated means that circumvent rate limits, authentication mechanisms, or credit usage controls.
  • To engage in any conduct that restricts or inhibits any person from using or enjoying our Services, or that we reasonably believe exposes us or any of our users to liability, damages, or detriment of any type.
  • To present data obtained from our Services as personal financial advice, or to rely upon our data as a basis for buying or selling securities or making financial decisions. CookieJar provides informational product data only and is not a licensed financial adviser or regulated financial institution under the laws of any jurisdiction.

You also must not abuse, harm, interfere with, or disrupt our Services, including, for example, introducing viruses or malware, conducting denial-of-service attacks, or bypassing any of our systems or protective measures.

4. Acceptable Use Policy

In addition to the restrictions in Section 3, you agree to the following:

  • Rate Limits: You will respect the rate limits associated with your subscription tier. Repeated or intentional circumvention of rate limits may result in temporary or permanent suspension of your Account.
  • Credit Usage: API calls consume credits according to the pricing associated with each endpoint. You are responsible for monitoring your credit usage and ensuring you have sufficient credits for your intended use.
  • Fair Use: You will not use our Services in a manner that places an unreasonable burden on our infrastructure, including making excessive requests that exceed normal usage patterns for your tier.

5. API Requests and Responses

Generally

You interact with our Services primarily by submitting API requests containing query parameters such as product categories, country filters, and search terms. Our Services return structured data responses based on your requests.

Accuracy of Data

CookieJar strives to provide accurate, up-to-date financial product data. However, financial product information changes frequently, and you acknowledge and agree:

  • Responses may not always reflect the most current product terms, rates, fees, or availability as published by financial institutions.
  • Data may contain inaccuracies, omissions, or outdated information despite our continuous extraction and validation processes.
  • You should not rely solely on our data without independently verifying it against the relevant financial institution's official sources, particularly before making any financial decisions or presenting data to end users.
  • CookieJar does not provide financial advice. Our data is informational only and should not be treated as a recommendation for or against any financial product.

Our Use of Materials

We may use aggregated and anonymized usage data (such as query patterns and endpoint usage statistics) to maintain, improve, and develop our Services. We do not sell or share your individual Request data with third parties.

6. Subscriptions, Fees, and Payment

Subscription Tiers

CookieJar offers multiple subscription tiers (e.g., Hobby, Pro, Enterprise) that provide different levels of access, rate limits, and credit allowances. The features, limits, and pricing for each tier are described on our website and developer dashboard.

Fees and Billing

If you purchase a paid subscription, you must provide complete and accurate billing information ("Payment Method"). You agree that we may charge the Payment Method for applicable fees and any applicable taxes. Except as expressly provided in these Terms or where required by law, all payments are non-refundable.

Credit-Based Usage

API usage is metered through a credit system. Each API endpoint has an associated credit cost. Your subscription tier determines your credit allowance. When your credits are exhausted, API requests may be rejected until your credits are replenished at the start of your next billing cycle or until you purchase additional credits.

Automatic Renewal

Paid subscriptions renew automatically at the end of each billing period. We will charge your Payment Method at each renewal date until you cancel. To avoid charges for the next billing period, cancel your subscription at least 24 hours before your current period ends.

Cancellation

You may cancel your subscription at any time through your developer dashboard or by contacting us at support@cookiejar.tech. Upon cancellation, your access to paid features will continue through the end of your current billing period. No refund will be issued for the remaining portion of the current period.

Fee Changes

We may change subscription fees from time to time. We will not change fees during your current billing period. If we increase fees, we will notify you at least 30 days in advance. If you do not agree to the increase, you may cancel your subscription before the next billing period begins.

7. Intellectual Property

Our Services

The Services, including the API, website, developer dashboard, documentation, software, and all associated intellectual property, are owned by CookieJar and our licensors. These Terms do not grant you any right, title, or interest in our Services beyond the limited right to access and use them in accordance with these Terms.

Data Rights

The structured data delivered through our API is compiled, processed, and organized by CookieJar. While the underlying factual information about financial products may be publicly available, our compilation, structuring, validation, and enrichment of that data represents significant investment and constitutes our proprietary work product. You may use the data obtained through our API within your own applications in accordance with your subscription tier, but you may not redistribute our compiled data as a standalone dataset or competing product.

Your Applications

You retain all rights to the applications, products, and services you build using data from our API. Nothing in these Terms transfers ownership of your work to CookieJar.

8. Third-Party Services

Our Services may integrate with or link to third-party content, services, or platforms. We do not control and are not responsible for any third-party services. Your use of any third-party services is at your own risk and subject to that third party's terms and privacy policies. Our linking to or integration with a third-party service does not constitute an endorsement.

9. Disclaimer of Warranties

YOUR USE OF THE SERVICES AND ALL DATA PROVIDED THROUGH THEM IS SOLELY AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND, TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, ACCURACY, AVAILABILITY, RELIABILITY, COMPLETENESS, NON-INFRINGEMENT, AND ANY WARRANTY IMPLIED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE FINANCIAL PRODUCT DATA PROVIDED THROUGH OUR SERVICES IS ACCURATE, COMPLETE, CURRENT, OR ERROR-FREE. FINANCIAL PRODUCT TERMS, RATES, FEES, AND AVAILABILITY ARE SUBJECT TO CHANGE BY THE ISSUING FINANCIAL INSTITUTIONS AT ANY TIME WITHOUT NOTICE TO US. YOU ACKNOWLEDGE THAT ANY RELIANCE ON DATA OBTAINED THROUGH OUR SERVICES IS AT YOUR OWN RISK.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, IN NO EVENT WILL COOKIEJAR, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS (COLLECTIVELY, THE "COOKIEJAR PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN ANY WAY RELATED TO THE SERVICES, THE DATA PROVIDED THROUGH THEM, OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHER THEORY, EVEN IF ANY COOKIEJAR PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE COOKIEJAR PARTIES' TOTAL AGGREGATE LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO US FOR ACCESS TO THE SERVICES IN THE SIX MONTHS PRECEDING THE DATE SUCH DAMAGES FIRST AROSE, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS ARE ESSENTIAL TO THESE TERMS AND WE WOULD NOT OFFER THE SERVICES WITHOUT THEM.

11. Indemnification

You agree to indemnify and hold harmless the CookieJar Parties from and against any liabilities, claims, damages, expenses (including reasonable attorneys' fees), and other losses arising out of or related to: (a) your breach or alleged breach of these Terms; (b) your access to, use of, or alleged use of the Services; (c) any products, services, or applications you develop using data from our Services; (d) your violation of applicable law or any third-party right; or (e) any fraud, intentional misconduct, or negligence committed by you or your agents.

12. General Terms

Changes to the Services

We reserve the right to modify, suspend, or discontinue the Services or your access to them, in whole or in part, at any time. While we will strive to provide reasonable advance notice of material changes, there may be situations (such as preventing abuse, responding to legal requirements, or addressing security issues) where advance notice is not feasible. We will not be liable for any changes to or suspension of the Services.

Changes to These Terms

We may revise these Terms at our discretion. If you continue to access the Services after we post updated Terms on our website, you agree to the updated Terms. If you do not accept the updated Terms, you must stop using our Services.

Entire Agreement

These Terms and any other terms expressly incorporated by reference form the entire agreement between you and CookieJar regarding the subject matter of these Terms.

Termination

You may stop accessing the Services at any time. We may suspend or terminate your access to the Services (including any subscriptions) at any time without notice if we believe you have breached these Terms, or if we must do so to comply with law. If we terminate your access due to a violation of these Terms, you will not be entitled to any refund.

We may also terminate your Account if it has been inactive for over one year and you do not have a paid subscription. We will provide notice before terminating an inactive Account.

Upon termination, we may delete any data associated with your Account. Sections 6 (with respect to outstanding fees), 7, and 9–13 will survive termination of these Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, this will have no effect on any other provisions.

No Waiver

Any delay or failure on our part to enforce a provision of these Terms is not a waiver of our right to enforce it later.

No Assignment

You may not transfer or assign these Terms without our prior written consent, but we may assign them without restriction.

Use of Our Brand

You may not use our name, logos, or other trademarks without our prior written permission, except as expressly permitted in our documentation (e.g., data attribution). To seek permission, please email us at support@cookiejar.tech.

Sanctions and Trade Compliance

You represent and warrant that you are not located in, or a national or resident of, any country or territory subject to applicable trade sanctions, and that you are not on any restricted party list maintained by Singapore, the United Nations, or other relevant authorities. You agree to comply with all applicable sanctions and trade compliance laws in connection with your use of the Services.

13. Dispute Resolution

Governing Law

These Terms will be governed by and construed in accordance with the laws of Singapore, without giving effect to conflict of law principles.

Jurisdiction

You and CookieJar agree that any disputes arising out of or relating to these Terms will be resolved exclusively in the courts of Singapore, and you submit to the personal and exclusive jurisdiction of those courts.

14. Contact Us

If you have questions about these Terms, please contact us at:

Email: support@cookiejar.tech