Terms of Use

These terms govern your use of Monetary Macro (“we”, “us”), a data and research service built on public regulatory filings. By signing in or using the site you agree to them. If you do not agree, please do not use the service.

1. The preview

Monetary Macro is currently a preview. Features and charts may change or be removed, data may be delayed or incomplete, and the service may be unavailable from time to time. We do not promise any level of availability during the preview.

2. Your account

• If you create an account, it is for you alone; do not share your sign-in link or your account.
• Sign-in links are sent to your email address. Keep your mailbox secure; anyone who can open the link can sign in as you.
• Your plan (Free, Research, Pro or Institutional) determines which parts of the service you can use. We may change a plan during the preview, for example to give you access for testing.
• We may suspend or end access if these terms are broken or the service is misused.

3. About the data

The charts and series on this site are built from public sources, including the Federal Reserve’s H.8 release. Many figures are our own calculations from those sources (for example growth rates, ratios and differences between bank groups), and the way each is calculated is documented. Public data can be revised, and calculations or processing can contain errors. The data is provided as is, without any warranty of accuracy, completeness or timeliness.

4. Not investment advice

Nothing on this site is investment, financial, legal or tax advice, or a recommendation or offer to buy or sell anything. It is general information only. You are responsible for your own decisions and should check important figures against the original sources.

5. Acceptable use

• Use the service for your own personal or internal professional purposes.
• Do not copy, scrape, bulk download or systematically collect data or charts, and do not use automated tools to do so, unless we expressly agree to API or export access.
• Do not resell, republish or redistribute our charts or data as your own.
• You may share an image of a chart with its monetarymacro.com watermark and source line intact, with attribution to Monetary Macro.
• Do not try to disrupt the service, probe it for weaknesses, or get access to accounts or data that are not yours.

6. Ownership

The underlying public data remains public. The selection, structure, calculations, charts, text, design and software of Monetary Macro belong to us or our licensors, and these terms do not transfer any of those rights to you beyond the use described above.

7. Feedback

If you send us suggestions or feedback, we may use them to improve the service without owing you anything for doing so.

8. Limits of liability

To the extent the law allows, we are not liable for any loss, including lost profits or trading losses, arising from your use of, or inability to use, the service or from errors or delays in the data. Nothing in these terms limits liability that cannot lawfully be limited.

9. Changes and ending

We may update these terms; the date at the top shows when they last changed, and continuing to use the service means you accept the update. You can stop using the service at any time, and you can ask us to delete your account (see the Privacy Policy).

10. Governing law

The governing law and the courts that will handle disputes will be set out here before the public launch.

11. Contact

Questions about these terms: contact@monetarymacro.com.