Terms of Use

Depository 360 (the “Service,” “we,” “us”) is operated by Infinidatum LLC, a Connecticut limited liability company. These Terms of Use, together with our Privacy Policy, Disclaimer, Cookie Notice, and Disclosures (together, the “Terms”), govern your access to and use of the Service. By accessing or using the Service, you agree to be bound by the Terms. If you do not agree, do not use the Service.

You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service covers U.S. credit unions and depository institutions and is intended for business, professional, and research use by users in the United States — financial-institution leaders, analysts, vendors, and informed members. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

Some features require an account. You agree to provide accurate information, keep your credentials confidential, and accept responsibility for all activity under your account. Notify us promptly at admin@infinidatum.com of any unauthorized use. We may suspend or terminate accounts that violate these Terms.

You agree not to:

• scrape, harvest, or bulk-extract data except through features we provide, or circumvent rate limits, access controls, or security measures;
• resell, redistribute, or sublicense the Service or its data as a substitute product;
• use the Service to violate any law, infringe rights, or transmit malicious code;
• reverse engineer, probe, or attempt to gain unauthorized access to the Service or related systems;
• misrepresent the Service's outputs as professional advice or as endorsed by any regulator or institution; or
• use automated means to create accounts or abuse free credits.

Certain live, AI-powered analyses run on prepaid credits. $1 = 1 credit. Credits pay for queries we make to third-party data and AI providers on your behalf. New accounts may receive a small number of free welcome credits.

Payments are processed by our payment processor (Stripe); we do not receive or store your full card details. Payments are non-refundable for credits that have been used or for purchases that have been completed. If a specific analysis fails to return a usable result, the credits charged for that single analysis are automatically returned to your credit balance as credits — this is a credit reversal, not a refund of money. Prices, credit costs, and pack sizes may change prospectively; changes do not affect credits already purchased.

The Service curates data from public sources, including the NCUA 5300 Call Report, the NCUA CUSO Registry, FDIC BankFind, the Federal Reserve (FRED), the Federal Register, and public news and trade publications. That data is provided for information only and may be incomplete, delayed, or inaccurate. Third-party content, links, and AI-generated outputs are not endorsed or verified by us. See our Disclaimer and Disclosures.

The Service's software, design, scoring methodologies, compilations, and original content are owned by Infinidatum LLC and protected by intellectual-property laws. Underlying public-record data remains subject to its sources' terms. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your internal business and research purposes. You retain ownership of content you upload; you grant us a license to process it solely to provide the Service. Trademarks shown belong to their respective owners; reference does not imply affiliation.

The Service is not financial, investment, accounting, tax, legal, or other professional advice, and does not create a fiduciary or advisory relationship. Scores, rankings, benchmarks, and AI outputs are informational estimates. You are solely responsible for decisions you make and should conduct your own due diligence and consult qualified professionals.

THE SERVICE AND ALL DATA ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY, COMPLETENESS, OR TIMELINESS. We do not warrant that the Service will be uninterrupted, error-free, or secure.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INFINIDATUM LLC AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR (B) US$100.

You agree to indemnify and hold harmless Infinidatum LLC and its affiliates from claims, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your content, or your violation of these Terms or applicable law.

You may stop using the Service at any time. We may suspend or terminate access, with or without notice, for any violation of these Terms or to protect the Service. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and governing law) will survive.

These Terms are governed by the laws of the State of Connecticut, USA, without regard to conflict-of-law rules. You agree to the exclusive jurisdiction of the state and federal courts located in Connecticut for any dispute not subject to other agreed resolution. Nothing limits rights that cannot be waived under applicable law.

We may update these Terms from time to time. Material changes will be reflected by the “Last updated” date above and, where appropriate, additional notice. Continued use after changes take effect constitutes acceptance.

These Terms (with the policies referenced in Section 1) are the entire agreement between you and Infinidatum LLC regarding the Service and supersede prior agreements on that subject. If any provision is held unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for failures or delays caused by events beyond our reasonable control. You consent to receive notices and communications from us electronically, and agree that electronic communications satisfy any legal requirement that such communications be in writing.

Questions about these Terms? Email admin@infinidatum.com.