These Terms of Service ("Terms") govern the use of the RAVEN platform and services provided by RAVEN ("we," "our," or "us") at reportraven.tech. By accessing or using our services, you agree to be bound by these Terms.
2. Description of Services
RAVEN provides a data aggregation and verification platform that enables authorized businesses ("Customers") to:
Verify consumer identity using multiple data sources
Enrich consumer records with data from authorized third-party providers
Collect consumer information through secure, auditable forms
Monitor data freshness and staleness across consumer profiles
Maintain compliance audit trails for regulatory purposes
3. Eligibility
Our services are available only to U.S.-chartered, federally insured depository institutions (community banks, regional banks, federal savings associations, mutual holding companies, and credit unions) that:
Hold a current FDIC Certificate, OCC Charter, NCUA Charter, or state bank or credit union charter, verifiable through the institution's primary regulator
Have a lawful and permissible purpose for accessing consumer data
Are authorized under applicable law (including FCRA, GLBA, FERPA as applicable) to request the types of data they access through our platform
Maintain appropriate data security controls consistent with the FFIEC Information Security Handbook and the GLBA Safeguards Rule
Have entered into a Customer Agreement with RAVEN, including the Prohibited and High-Risk Industries clause below
Have completed RAVEN's onboarding diligence (charter verification, OFAC and sanctions screening of the entity and named beneficial owners, security review, and insurance evidence) prior to receiving production access
3a. Prohibited and High-Risk Industries
RAVEN's services may not be used by, or on behalf of, any of the following categories of customer or end-use, whether directly or indirectly:
Cannabis, hemp, or cannabis-related businesses (MRBs), including ancillary service providers
Online or offline gambling, sports betting, daily fantasy sports, lotteries, or casino operators
Adult content, adult entertainment, or adult services
Firearms, ammunition, or weapons sales outside FFL-licensed banking customers
Cryptocurrency exchanges, wallet providers, ATMs, or money transmitters that are not chartered depository institutions
Money services businesses (MSBs) that are not licensed and chartered as banks
Payday, title, or short-term high-cost consumer lenders
Debt-collection agencies, debt-relief, or credit-repair services
Pyramid schemes, multi-level marketing, or telemarketing operations
Any entity appearing on OFAC SDN, Consolidated Sanctions, or equivalent international sanctions lists
Any entity engaged in unlawful activity under U.S. federal law
Use of the services in connection with any prohibited industry or end-use is grounds for immediate suspension and termination of access without notice. Customers must promptly notify RAVEN of any material change in their business activity, charter status, or beneficial ownership that may affect this section.
4. Customer Obligations
As a Customer, you agree to:
Permissible purpose: Only request consumer data for lawful, permissible purposes as defined by applicable law
Consumer consent: Obtain appropriate consumer consent before initiating data collection or verification requests
Data security: Protect API keys, credentials, and any consumer data received from our platform using industry-standard security measures
Adverse action notices: Provide required adverse action notices to consumers when using our data for credit, employment, insurance, or other covered decisions
Accuracy disputes: Cooperate with consumer accuracy disputes and facilitate corrections through our platform
Authorized users: Ensure that only authorized personnel within your organization access our platform
5. API Usage
API access is provided via API keys issued per tenant
API keys must be kept confidential and not shared with unauthorized parties
We reserve the right to rate-limit or suspend API access that poses a risk to platform stability or security
You agree not to reverse-engineer, decompile, or attempt to extract the source code of our platform
6. Data Ownership
Consumer data belongs to the consumer. Neither RAVEN nor our Customers "own" consumer data.
Data from third-party providers is subject to those providers' terms of use and licensing agreements
Enrichment results and verification outcomes are licensed to Customers for the permissible purposes under which they were requested
Our services are provided "as is" without warranties of any kind, express or implied
We do not guarantee the accuracy, completeness, or timeliness of third-party data. Enrichment results reflect the data available from our providers at the time of the request.
Confidence scores and staleness indicators are informational tools, not guarantees of data quality
We are not a consumer reporting agency. To the extent our services are used in connection with consumer reports, our Customers are responsible for compliance with FCRA requirements.
9. Limitation of Liability
To the maximum extent permitted by law, RAVEN shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to damages from lending decisions made using data obtained through our platform.
10. Indemnification
You agree to indemnify and hold harmless RAVEN from any claims, damages, or expenses arising from your use of our services, including claims arising from your failure to comply with applicable law, failure to obtain proper consumer consent, or misuse of consumer data.
11. Termination
Either party may terminate the service relationship with 30 days written notice. Upon termination: