API Terms of Service

Cognitiva Systems Inc.
Effective Date: 8 October 2026
Last Updated: 8 October 2026

ACCEPTANCE

By accessing or using the Cognitiva Intelligence Platform APIs ("APIs"), you agree to these API Terms of Service ("API Terms"). These API Terms supplement and are incorporated into the Cognitiva Terms of Use.

In Case of Conflict: These API Terms prevail over general Terms of Use for API-specific matters.

1. API ACCESS AND CREDENTIALS

1.1 API Keys

Issuance:

• API keys issued upon account approval
• Unique per application/environment
• Revocable at any time

Security: You must:

• Keep API keys confidential
• Not embed keys in client-side code
• Not share keys with unauthorized parties
• Not commit keys to public repositories
• Rotate keys if compromised
• Use environment variables for key storage

Breach: Immediately notify security@cognitiva.systems if key compromised.

1.2 Authentication

Methods Supported:

• API Key (header: X-API-Key)
• OAuth 2.0 (for delegated access)
• JWT tokens (for service-to-service)

Requirements:

• TLS 1.3 required for all API requests
• Requests without valid authentication return 401 Unauthorized

1.3 Authorization

Scope-Based Access:

• Different API endpoints require different scopes
• Scopes assigned per API key
• Least privilege principle

Available Scopes:

• intelligence:read - Query AI models
• intelligence:write - Submit feedback
• data:read - Access analytics
• data:write - Submit training data (if licensed)

2. RATE LIMITS

2.1 Limits by Tier

Free Tier:

• 100 requests per day
• 10 requests per minute
• No burst allowance

Business Tier:

• 10,000 requests per day
• 100 requests per minute
• 500 burst allowance

Enterprise Tier:

• Custom limits per contract
• Burst allowance negotiable
• Dedicated capacity available

2.2 Rate Limit Headers

Responses include:

X-RateLimit-Limit: [requests allowed in window]
X-RateLimit-Remaining: [requests remaining]
X-RateLimit-Reset: [timestamp when window resets]

2.3 Exceeding Limits

Response:

• HTTP 429 Too Many Requests
• Retry-After header indicates wait time

Throttling:

• Temporary slowdown (not suspension)
• Automatic recovery when under limit

Abuse:

• Intentional circumvention may result in suspension
• Contact api@cognitiva.systems for limit increases

3. API SERVICES

3.1 Decision Types

Creator Matching:

• Endpoint: /v1/intelligence/match-creator
• Input: Campaign requirements, creator profiles
• Output: Match scores (0-100), confidence intervals
• Latency: <2 seconds target

Payment Risk Detection:

• Endpoint: /v1/intelligence/risk-payment
• Input: Campaign history, communication patterns
• Output: Risk score (0-100), risk factors
• Latency: <3 seconds target

Campaign Success Prediction:

• Endpoint: /v1/intelligence/predict-success
• Input: Campaign brief, creator, timeline
• Output: Success probability, key factors
• Latency: <3 seconds target

Compliance Monitoring:

• Endpoint: /v1/intelligence/scan-compliance
• Input: Content, brand guidelines
• Output: Compliance score, violations detected
• Latency: <2 seconds target

3.2 Request Format

Standard Request:

POST /v1/intelligence/{endpoint}
Headers:
  X-API-Key: {your-api-key}
  Content-Type: application/json
Body:
{
  "request_id": "unique-client-id",
  "data": { /* endpoint-specific payload */ }
}

Response:

{
  "request_id": "unique-client-id",
  "model_version": "v2.3.1",
  "result": { /* endpoint-specific result */ },
  "confidence": 0.95,
  "latency_ms": 1247,
  "timestamp": "2026-04-17T15:30:00Z"
}

3.3 Versioning

API Versions:

• Current: v1
• Format: /v{major-version}/

Deprecation:

• 6 months notice before deprecating version
• Migration guide provided
• Overlapping support period

Breaking Changes:

• New major version for breaking changes
• Backward-compatible changes within version

4. PRICING AND BILLING

4.1 Per-Decision Pricing

Standard Rates:

• Creator Matching: $0.05 per request
• Payment Risk: $0.10 per analysis
• Campaign Prediction: $0.15 per prediction
• Compliance Scan: $0.08 per scan

Volume Discounts:

• 10,000+ requests/month: 10% discount
• 50,000+ requests/month: 20% discount
• 100,000+ requests/month: Custom pricing

4.2 Billing Cycle

Monthly Billing:

• Billing period: Calendar month
• Invoice issued: 1st of following month
• Payment due: 15 days from invoice date
• Late fee: 1.5% per month

Minimum Commitment:

• Free tier: No minimum
• Business: $100/month minimum
• Enterprise: Per contract

4.3 Usage Tracking

Dashboard:

• Real-time usage statistics
• Cost projections
• Historical trends
• Downloadable reports

Alerts:

• Email when approaching limits
• Notifications at 50%, 75%, 90% of budget

5. DATA AND PRIVACY

5.1 Input Data

What You Send:

• Campaign details
• Creator information
• Content for analysis
• Historical data

Our Use:

• Process to generate API response
• Temporarily log for troubleshooting (30 days)
• Aggregate (anonymized) for model improvement
• Do NOT use raw input for commercialization

Your Obligations:

• You own all input data
• You ensure lawful right to send data
• You obtain necessary consents
• You comply with privacy laws

5.2 Output Data

API Results:

• You receive non-exclusive license to use
• We retain ownership of models and methodologies
• You may use outputs for internal business purposes
• You may NOT reverse engineer models
• You may NOT build competing service

Sharing:

• You may share results with authorized users
• You must attribute: "Powered by Cognitiva Intelligence"
• You may NOT resell raw API access

5.3 Model Training

Feedback Loop:

• Actual campaign outcomes may be submitted for model improvement
• Submission is optional
• Improves prediction accuracy for your account
• Anonymized outcomes may improve platform-wide models

Opt-Out:

• You may opt-out of contributing to platform-wide training
• Your account-specific models still improve from your feedback
• Contact privacy@cognitiva.systems to opt-out

6. SERVICE LEVEL AGREEMENT (SLA)

6.1 Uptime Commitment

Business Tier:

• 99.5% monthly uptime

Enterprise Tier:

• 99.9% monthly uptime (per contract)

Measurement:

• Based on successful responses (HTTP 2xx)
• Excludes scheduled maintenance
• Excludes client errors (HTTP 4xx)

6.2 Performance Targets

Latency:

• 95th percentile: <3 seconds
• 99th percentile: <5 seconds

Accuracy:

• Creator Matching: 90%+ precision
• Payment Risk: 85%+ detection rate
• Campaign Prediction: 75%+ accuracy
• Compliance: 95%+ rule detection

Disclaimer: Targets are goals, not guarantees. Models continuously improve.

6.3 Service Credits (Enterprise Only)

If Uptime Falls Below Commitment:

Claim Process:

• Submit claim within 30 days of incident
• Provide logs demonstrating downtime
• Credit applied to next month's invoice

Maximum Credit: 50% of monthly fee

6.4 Exclusions

SLA does not apply to:

• Scheduled maintenance (48 hours notice)
• Force majeure events
• Your internet/network issues
• DDoS attacks
• Issues caused by your code or usage

7. ACCEPTABLE USE

7.1 Permitted Uses

You may use APIs to: ✓ Enhance your applications with AI capabilities ✓ Automate decision-making workflows ✓ Analyze campaign performance ✓ Integrate with your internal tools

7.2 Prohibited Uses

You may NOT:

Technical Abuse: ✗ Circumvent rate limits ✗ Use multiple accounts to exceed limits ✗ Cache responses to avoid billing ✗ Replay old responses as if current ✗ Reverse engineer models ✗ Probe for security vulnerabilities

Commercial Misuse: ✗ Resell API access without authorization ✗ Build competing AI service ✗ Offer API as standalone product ✗ White-label without license ✗ Use for benchmarking competitors

Harmful Content: ✗ Submit illegal content ✗ Submit malicious code ✗ Submit personal data without lawful basis ✗ Submit copyrighted material without rights ✗ Attempt model poisoning

7.3 Enforcement

Violations Result In:

• Warning (first minor offense)
• Temporary suspension (repeated or serious)
• Permanent ban (severe or illegal)
• Legal action (if applicable)

No Refunds: Termination for violations forfeits prepaid fees.

8. WARRANTIES AND DISCLAIMERS

8.1 Limited Warranty

We Warrant:

• APIs will substantially conform to documentation
• We have rights to provide API services
• We use commercially reasonable security

Warranty Period: 30 days from first API call

Remedy: If we breach warranty, we will attempt to fix within 15 days or refund current month's fee.

8.2 DISCLAIMER

AI MODELS ARE PROVIDED "AS IS":

✗ NO ACCURACY GUARANTEE: Predictions may be wrong. Verify independently.
✗ NO FITNESS WARRANTY: Models may not suit your specific use case.
✗ NO COMPLETENESS WARRANTY: Results may not cover all factors.
✗ CONTINUOUS IMPROVEMENT: Models evolve; outputs may change.

YOU ASSUME RISK:

• Reliance on API results is at your own risk
• Human review recommended for critical decisions
• Maintain independent verification processes

EXAMPLES OF DISCLAIMED LIABILITY:

• Inaccurate creator match → hired wrong creator
• Missed payment risk → experienced payment dispute
• Wrong success prediction → campaign failed
• False compliance alarm → unnecessary delay

We are NOT liable for business decisions based on API results.

9. SUPPORT

9.1 Support Channels

Documentation:

• API reference: documentation provided to API customers on request
• Code examples and SDKs
• Integration guides
• Changelog and migration docs

Developer Support:

• Email: api@cognitiva.systems
• Response time: 2 business days (Business tier), 4 hours (Enterprise)
• Technical questions only (not business consulting)

Community:

• Developer forum (if available)
• GitHub issues for SDKs
• Stack Overflow tag: cognitiva-api

9.2 Support Scope

We Support:

• API integration questions
• Error troubleshooting
• Best practices guidance
• SDK usage help

We Do NOT Support:

• Your application code (unless consulting contract)
• Third-party integration issues
• Business strategy advice
• Data science consulting (unless contracted)

10. INTELLECTUAL PROPERTY

10.1 Our IP

We own:

• API code and infrastructure
• ML models and algorithms
• Training data and methodologies
• API documentation
• SDK code

You receive limited license to use APIs per these terms only.

10.2 Your IP

You own:

• Your input data
• Your application code
• Your business logic

You grant us license to:

• Process input data to generate outputs
• Use anonymized outputs for model improvement
• Display your logo as customer (with permission)

10.3 Feedback

If you provide feedback, suggestions, or feature requests:

• We may use freely without compensation
• You waive any IP claims
• No confidentiality unless separate NDA

11. TERMINATION

11.1 Termination by You

How:

• Email cancel@cognitiva.systems
• Delete API keys from your systems
• Cease API calls

Effect:

• Access terminates at end of billing cycle
• No refund for unused portion
• Usage data retained per Privacy Policy

11.2 Termination by Us

For Cause:

• Violation of API Terms
• Non-payment (30 days past due)
• Fraudulent activity
• Security threat
• Illegal use

Effect:

• Immediate access revocation
• No refund of prepaid fees
• May pursue legal action

Without Cause:

• 30 days notice
• Pro-rated refund of prepaid fees

11.3 Survival

Survives termination:

• Intellectual Property (Section 10)
• Warranties and Disclaimers (Section 8)
• Limitation of Liability (Section 12)
• Indemnification (Section 13)

12. LIMITATION OF LIABILITY

MAXIMUM LIABILITY:

Our total liability for API services is limited to the greater of:

• Fees paid in 3 months before claim, OR
• $1,000 USD

EXCLUDED DAMAGES:

We are NOT liable for: ✗ Indirect, consequential, incidental damages
✗ Lost profits or revenue
✗ Lost data
✗ Business interruption
✗ Reputational harm
✗ Costs of replacement services

EVEN IF:

• We were advised of possibility
• Limited remedies fail of essential purpose

EXCEPTIONS:

• Our gross negligence or willful misconduct
• Violation of intellectual property rights
• Where prohibited by law

13. INDEMNIFICATION

13.1 Your Indemnity

You indemnify us against claims arising from:

• Your use of APIs
• Your violation of API Terms
• Your violation of laws
• Your content or data
• Infringement of third-party rights

Includes: Legal fees, settlements, judgments.

13.2 Our Indemnity (Enterprise Only)

For Enterprise customers, we indemnify you if APIs infringe third-party IP rights.

Remedies:

1. Obtain license for your continued use
2. Modify APIs to be non-infringing
3. Replace with non-infringing alternative
4. Terminate and refund prepaid fees

Exclusions:

• Your modifications
• Your combination with other services
• Continued use after notice to stop

14. CHANGES TO API TERMS

Updates:

• We may update these API Terms
• 30 days notice for material changes
• Notice via email and in the API documentation

Acceptance:

• Continued API use after effective date = acceptance
• If you object, stop using APIs before effective date

15. MISCELLANEOUS

15.1 Governing Law

Texas law governs (excluding conflicts of law). If you are a consumer outside the United States, mandatory protections of your country of residence are not affected.

15.2 Entire Agreement

These API Terms, together with:

• Terms of Use
• Privacy Policy
• Any Enterprise Agreement

constitute the entire agreement regarding APIs.

15.3 Assignment

You may NOT assign without our written consent.

We may assign to affiliates or acquirers.

15.4 Severability

Invalid provisions modified to minimum extent necessary.

15.5 No Waiver

Failure to enforce does not waive future enforcement.

15.6 Export Control

You comply with U.S. export laws and regulations.

APIs may not be used in sanctioned jurisdictions.

16. CONTACT

API Support: api@cognitiva.systems
Technical Docs: documentation provided to API customers on request
Legal: legal@cognitiva.systems

ACCEPTANCE

BY MAKING YOUR FIRST API CALL, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE API TERMS.

Effective Date: 8 October 2026
Version: 3.0
Last Updated: 8 October 2026

END OF API TERMS OF SERVICE