Legal · Effective November 14, 2026

Terms of Service

These Terms of Service govern access to the PACAShield automated software-as-a-service (SaaS) web application, watchlist monitoring engine, and REST API.

1. Software-Only Nature of the Service

PACAShield provides 100% automated B2B software dashboards, CSV roster screening tools, webhook alerts, and developer APIs that index and compare commercial license records published by official United States government open-data portals (including the USDA Agricultural Marketing Service ePACA public search portal at apps.mrp.usda.gov/public_search and state workers' compensation open-data portals). PACAShield does not sell human consulting, bespoke manual investigation, legal representation, or brokerage services.

2. Not a Consumer Reporting Agency (Non-FCRA) & No Legal Advice

PACAShield indexes commercial business entity filings only and is not a "consumer reporting agency" as defined by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) ("FCRA"). Outputs do not constitute "consumer reports" and may not be used to determine an individual's eligibility for personal credit, personal insurance, residential housing, or employment.

Comparison reflects official public USDA ePACA records only (apps.mrp.usda.gov/public_search). Matching public fields do not authenticate caller identity, and a discrepancy indicates an unverified difference from the public filing rather than legal proof of fraud.

3. Subscriptions, Merchant of Record Billing & API Quotas

Paid plans are billed monthly on a self-serve recurring subscription basis according to the plan tier selected at checkout (Starter, Credit Team Pro, Developer API, or White-Label VAR Partner). Payments and applicable indirect taxes (US state sales tax, VAT, GST) are processed by our authorized Merchant of Record, Polar Software, Inc. (Polar.sh), or Stripe, Inc. API keys and workspace quotas are provisioned exclusively for the subscribing organization and its authorized client workspaces.

4. Acceptable Use

Customers agree not to use the Service for unlawful harassment, consumer surveillance, automated denial-of-service attacks, or misrepresentation of official government endorsement. PACAShield is an independent software provider and is not affiliated with or endorsed by the USDA or any state agency.

5. Limitation of Liability & As-Is Public Data

Government registries may experience latency, clerical filing delays, or scheduled maintenance. Every response includes a last_verified_at timestamp. The Service is provided "AS IS" without warranties of merchantability or fitness for a particular purpose. To the maximum extent permitted by law, PACAShield's aggregate liability shall not exceed the subscription fees paid by Customer in the three (3) months preceding a claim.

6. Contact

Questions regarding these Terms may be directed to support@pacashield.com.