finlight API – Terms of Use

Effective Date

02.10.2026

1. Use of the API

These Terms are an agreement between you and Bartsch und Büyükkakac GbR, Max-Bill-Str. 3, 67061 Ludwigshafen, Germany (referred to as finlight, we or us).

You may access and use the API for lawful purposes, in accordance with these Terms. You are responsible for ensuring your use of the API complies with all applicable laws, including content usage, copyright, and data protection regulations.

2. License and Commercial Use

Subject to these Terms, finlight grants you a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the API and the data structure, metadata and enrichment that we create. You may use the API for personal, internal and commercial purposes, including in your own products and services. You may not share, sublicense, or resell access to the API itself to any third party.

This right covers our service only. It is not a license to the third-party content that the API refers to, as explained in the next section.

3. Third-Party Content: No License

The API returns links, titles, summaries and metadata that refer to content published on third-party websites, together with enrichment that we generate. finlight does not own or control this third-party content and does not grant you any rights to it. All rights in third-party content remain with the original publisher.

Whether and how you may use third-party content depends on the copyright and other laws of your country and on the terms of the respective source. It is your responsibility to check this before you use the content and, where necessary, to obtain a license from the rights holder. finlight does not authorize the redistribution or republication of third-party content.

We do not monitor, and cannot verify, how you use the data you obtain through the API. We do not give legal advice, and nothing we say about permitted use replaces your own assessment.

4. Attribution

When you display or distribute data obtained through the API, such as titles or summaries, you must clearly attribute it to the original source by naming the publisher and linking directly to the original article.

5. API Key & Access Control

You are responsible for keeping your API key secure. You may not create multiple accounts to bypass usage limits. Abuse of the API, including scraping or reverse engineering, may result in suspension of access.

6. Prohibited Uses

• Use the API to redistribute copyrighted third-party content without authorization.
• Use the API to scrape or harvest data in violation of third-party website terms.
• Bypass rate limits or access restrictions.
• Use the API to create a competing news or content distribution service.
• Use the API or the data obtained through it in a way that violates applicable law or the rights of third parties.

7. Content Removal & Rights Holder Requests

finlight respects the rights of content owners. If you are a publisher or rights holder and believe your content is being used inappropriately, please contact us at info@finlight.me. We will investigate and remove content if necessary.

Please tell us which content or source is concerned and that you are the rights holder or act on their behalf. We review requests promptly and may remove or block individual content or entire sources. If we inform you as a customer that certain content may no longer be used, you must stop using it and delete it from your systems without undue delay.

8. Modifications and Availability

We may update, modify, or discontinue the API (or any part of it) at any time. Sources and content can be added, changed or removed at any time, for example for technical or legal reasons or at the request of a rights holder. We aim to provide consistent availability but do not guarantee uptime, the availability of any specific source, or delivery times. A change to the available sources or content is not a defect and does not entitle you to a refund or a price reduction. If we discontinue a paid plan as a whole, we refund the unused part of the period you have already paid for.

9. Limitation of Liability

We are liable without limitation for damage caused intentionally or by gross negligence, for injury to life, body or health, for guarantees we have given, and under mandatory product liability law. In cases of slight negligence we are liable only for the breach of an essential contractual obligation, meaning an obligation that makes proper performance of the contract possible in the first place and on which you may regularly rely. In that case our liability is limited to the damage that is foreseeable and typical for this kind of contract. Any further liability is excluded.

If you are a business customer, our liability in cases of slight negligence is in addition limited to the amount of the fees you paid us in the twelve months before the event that caused the damage.

The API provides news metadata from third-party sources on a best-effort basis. We do not warrant that this data is complete, accurate or up to date, and it is not investment advice. Sentiment, entities, categories and other enrichment are generated automatically and can be wrong. Decisions you make on the basis of the data are your own responsibility.

10. Termination and Suspension

We may suspend or terminate access to the API if you breach these Terms, and otherwise with reasonable notice. We may suspend access immediately if we have reason to suspect abuse, if a rights holder or an authority complains about your use, or if continuing the service would expose us to legal risk. You may stop using the API at any time. Upon termination, all rights granted to you under these Terms will immediately cease. If we terminate a paid subscription without a breach on your side, we refund the unused part of the period you have already paid for. We may decline new subscriptions from customers who have repeatedly withdrawn from contracts or obtained refunds.

11. Subscriptions, Billing and Renewal

Paid plans are sold as subscriptions. The following applies to every paid plan unless a separate written agreement with us says otherwise.

• Billing: Subscriptions are billed in advance for each billing period. The price and the billing period (monthly unless stated otherwise) are shown at checkout before you confirm your order.
• Automatic renewal: Your subscription renews automatically at the end of each billing period for a further period of the same length. At each renewal, the payment method on file is charged the then-current price of your plan plus applicable taxes, until you cancel.
• Cancellation: You can cancel at any time in your dashboard via Manage Subscriptions, or by emailing info@finlight.me. Cancellation takes effect at the end of the current billing period. You keep access to your paid plan until then and are not charged again.
• Free trials: If a plan includes a free trial, the length of the trial is shown at checkout. Unless you cancel before the trial ends, your subscription converts to a paid subscription and your payment method is charged for the first billing period when the trial ends. Free trials are available once per customer.
• Plan changes: You can change your plan at any time in your dashboard. The price of the new plan is shown before you confirm the change.
• Price changes: We may change the price of a plan. We will notify you by email at least 30 days before a new price applies to your subscription. The new price applies from the first renewal after that notice period. If you do not agree, you can cancel before that renewal.
• Failed payments: If a renewal payment fails, we may retry the charge. If payment still fails, we may suspend paid features or move your account to the free tier.
• Refunds: Refunds are governed by our Refund Policy. Consumers in the EU, the EEA and the United Kingdom have a statutory 14-day right of withdrawal, which is explained there. Mandatory statutory rights remain unaffected.

12. Your Responsibility

You are responsible for how you use the API and the data you get from it. If you use it in a way that breaks these Terms or the law, and someone makes a claim against us because of that, you cover the claim and our reasonable legal costs. This does not apply if you are not at fault.

13. Changes to These Terms

We may change these Terms for the future if there is a valid reason, for example changes in the law, in our service or in the sources we cover. We will inform you by email at least 30 days before a change takes effect. If you do not object within that period, the change is deemed accepted, and we will point this out in the notice. If you object, the previous Terms continue to apply and each side may end the contract at the end of the current billing period. Changes that affect the main obligations of the contract require your express consent.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Germany, without regard to its conflict of law provisions. If you are a consumer, the mandatory consumer protection rules of the country in which you habitually reside continue to apply.

If you are a business customer, the courts responsible for Ludwigshafen am Rhein, Germany, have exclusive jurisdiction for all disputes arising from or in connection with these Terms, as far as the law permits such an agreement.

15. Final Provisions

finlight is not affiliated with, endorsed by or sponsored by the publishers and sources that the API refers to. Their names and trademarks belong to their respective owners.

We are not responsible for failures or delays caused by events beyond our reasonable control, such as outages at infrastructure providers or changes made by third-party sources.

If a provision of these Terms is or becomes invalid, the remaining provisions stay in effect.

16. Contact

For legal inquiries or content removal requests, please contact: info@finlight.me