These Terms of Service (“Terms”) govern your access to and use of the website located at wealthschema.com (the “Site”), the WealthSchema data catalog, and all associated synthetic datasets, documentation, and services (collectively, the “Services”) provided by Wealth Schema (“Wealth Schema,” “we,” “us,” or “our”).
By creating an account, accessing the Site, downloading any dataset, or otherwise using the Services, you agree to these Terms. If you are agreeing on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to that organization.
1.1 Eligibility and Accounts
You must be at least 18 years old and capable of entering into a binding contract. Most of our Services, including dataset purchase and download, require an account. You agree to provide accurate registration information and to keep it current. You are responsible for safeguarding your credentials and for all activity that occurs under your account.
1.2 The Services
Wealth Schema provides production-ready synthetic household wealth data, including (a) downloadable Wealth Data Sets and the WealthSynth Master Corpus delivered as ZIP archives in JSON, CSV, and (where offered) Parquet format, together with a Methodology PDF; (b) schema documentation, archetype specifications, and other developer resources; and (c) related content published on the Site.
All datasets consist entirely of synthetic data. They do not describe, identify, or relate to any real person, household, or financial account.
1.3 Fees
Some Services are offered free of charge. Datasets are offered at the prices posted on the Site at the time of order. Fees are quoted in U.S. dollars and exclude taxes, which you are responsible for paying. Dataset purchases are one-time fees that grant the license described in the WealthSynth Data License Agreement (see our Data License).
Except as required by applicable law, all fees are non-refundable once a dataset has been delivered. We may change pricing prospectively; changes will not affect orders already placed.
1.4 License to the Data
Your purchase or download of any Wealth Data Set or the WealthSynth Master Corpus is governed by the WealthSynth Data License Agreement, which is incorporated by reference into these Terms. In the event of a conflict between these Terms and the Data License with respect to use of the synthetic data, the Data License controls.
1.5 Acceptable Use
You agree not to, and not to permit any third party to:
- use the Services in violation of any applicable law, regulation, or third-party right;
- attempt to defeat, bypass, or interfere with any authentication mechanism or other technical control;
- scrape, crawl, or harvest the Site outside of permitted access patterns, or use automated means to extract data beyond your purchased license;
- reverse engineer the Services, except to the extent that applicable law expressly permits such activity notwithstanding this restriction;
- represent, market, or hold out the synthetic data as if it described real persons, households, accounts, or transactions;
- use the Services to develop a product that competes with Wealth Schema by reselling, sublicensing, or redistributing the synthetic data; or
- use the Services to facilitate fraud, deception, harassment, or any activity that creates a risk of harm to any person.
1.6 Intellectual Property
As between you and Wealth Schema, Wealth Schema and its licensors own all right, title, and interest in and to the Services, including the Site, the schemas, the archetype specifications, the datasets, the WealthSynth Master Corpus, and all underlying software, models, methods, documentation, brand elements, and content, together with all intellectual property rights therein. No rights are granted to you except as expressly set out in these Terms and the Data License. WealthSchema, WealthSynth, the WealthSchema logo, and related marks are trademarks of Wealth Schema; you may not use them without our prior written consent.
If you submit feedback, suggestions, or improvement ideas, you grant Wealth Schema a perpetual, worldwide, royalty-free license to use them without restriction or obligation to you.
1.7 Synthetic Data; No Advice; No Warranty
The synthetic data and other content made available through the Services are provided for engineering, testing, research, and educational purposes. They are not a description of any real person and do not constitute financial, investment, tax, legal, accounting, fiduciary, or compliance advice. You are solely responsible for determining whether the synthetic data is suitable for your intended use and for compliance with any law or regulation applicable to that use, including, where relevant, FINRA, SEC, IRS, GDPR, CCPA, and similar regimes.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL DATA, OUTPUTS, AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WEALTH SCHEMA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AND UNINTERRUPTED OR ERROR-FREE OPERATION.
1.8 Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WEALTH SCHEMA, ITS AFFILIATES, OR ITS LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR BUSINESS, ARISING OUT OF OR RELATING TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WEALTH SCHEMA’S AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO WEALTH SCHEMA IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, AND (B) ONE HUNDRED U.S. DOLLARS (US$100). THESE LIMITATIONS APPLY WHETHER THE CLAIM IS BASED IN CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY.
1.9 Indemnification
You agree to defend, indemnify, and hold harmless Wealth Schema and its officers, directors, employees, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Services, (b) your violation of these Terms or the Data License, or (c) your violation of any law or third-party right.
1.10 Suspension and Termination
We may suspend or terminate your access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms or the Data License, if required by law, or to protect the integrity or security of the Services. You may terminate your account at any time by contacting us. Upon termination, your right to access the Services ends; the provisions of these Terms that by their nature should survive termination (including Sections 1.4, 1.6, 1.7, 1.8, 1.9, 1.12, 1.13, and 1.14) will survive.
1.11 Changes to the Services or Terms
We may modify the Services and these Terms from time to time. We will post the updated Terms on the Site and update the “Effective Date” above. Material changes will be communicated by reasonable means, which may include email or in-product notice. Your continued use of the Services after the effective date of an update constitutes acceptance of the updated Terms.
1.12 Governing Law and Dispute Resolution
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply. Subject to the following sentence, the state and federal courts of competent jurisdiction located in Massachusetts will have exclusive jurisdiction over any dispute arising out of these Terms, and each party consents to that jurisdiction and venue.
1.13 Export, Sanctions, and U.S. Government Users
You may not access or use the Services if you are located in, or are a resident or national of, any country or region subject to comprehensive U.S. sanctions, or if you are listed on any U.S. government denied-party list. The Services are commercial items as defined in 48 C.F.R. §2.101 and are licensed to U.S. government end users with only those rights granted to all other users.
1.14 Miscellaneous
These Terms, together with the Data License and any order documentation, constitute the entire agreement between you and Wealth Schema regarding the Services and supersede any prior agreements on the subject. If any provision is held unenforceable, the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. Notices to Wealth Schema must be sent to support@wealthschema.com; notices to you may be sent to the email associated with your account.
1.15 Contact
Questions about these Terms: support@wealthschema.com.