Terms of service.

Draft. This page is a draft awaiting review by Factor Dynamics and may change before it is final. Questions? Get in touch.

Last updated November 8, 2026

1. Who we are

Creo is a factor exposure API operated by Factor Dynamics ("we", "us"). These terms cover your use of itscreo.com, the Creo API, the hosted MCP server and the paid plans. By creating a key or calling the API you agree to them.

2. What Creo does

Creo computes factor exposures, risk contribution and related statistics from the positions and prices you send, or from labeled synthetic demo series. Creo does not provide market data. Results are informational and are not investment, tax or legal advice; you are responsible for any decision you make with them.

3. Keys and accounts

An API key is your account. Keep it secret: anyone holding it can use your plan's credits. We store only a hash of each key and cannot recover a lost one. We may limit, suspend or revoke keys used for abuse, to circumvent limits, or in breach of these terms.

4. Your data

You must have the right to send us the data you send, including any prices from a data vendor whose license allows this use. You keep all rights to your inputs. We use them only to compute your response; request bodies are not stored. See the privacy notice.

5. Acceptable use

Do not attack, overload or probe the service, share keys to pool limits, resell raw API access, or use Creo for anything unlawful. Automated use by agents is welcome within your plan's limits.

6. Plans and billing

The free plan costs nothing. Builder and Pro are monthly subscriptions billed in advance through Stripe. You can cancel at any time in the billing portal; cancellation takes effect at the end of the paid period, and partial months are not refunded except where the law requires. We will give at least 30 days' notice before changing the price of a plan you are on.

7. Availability and changes

We aim for the service to be available but do not guarantee uptime on any plan. We version the methodology and announce breaking changes to the API in the docs before making them.

8. Warranty and liability

The service and its results are provided "as is", without warranties of any kind. To the extent the law allows, our total liability for any claim is limited to the fees you paid us in the 12 months before the claim, and we are not liable for indirect or consequential losses, including trading losses.

9. Ending use

You can stop using Creo at any time. We may end the service or your access with notice where practical. Sections 4, 8 and 9 survive.

10. Contact

Questions about these terms: use the contact form.