1. General disclaimer.
The information published on this website and through American Spend products is provided for general informational purposes only. It should not be relied upon as the sole basis for any decision without independent verification. Your use of the information is at your own risk.
2. Not financial advice.
Nothing on this website or in our data products constitutes financial, investment, legal, tax, or accounting advice. Spending insights, market data, and related commentary are informational. You should consult qualified professional advisors before making investment or business decisions.
3. Data accuracy & methodology.
The Spend Graph is built from licensed data that is normalized, enriched, and aggregated. While we work to make our datasets as representative and accurate as possible:
- Published figures are estimates derived from a sample of the American economy, not a census of it
- Merchant mappings, category assignments, and enrichments are methodological choices that may be revised over time
- Third-party data sources may contain errors, gaps, or delays we do not control
- Historical revisions may occur as coverage improves
4. Forward-looking statements.
Statements about trends, trajectories, or expectations — including market-implied forecasts from Spend Market — are inherently uncertain. Actual outcomes may differ materially. Past spending patterns do not guarantee future results.
5. Product terms control.
Participation in Spend Market, use of Revere datasets, and access through Knox Prime are each governed by their own terms, risk disclosures, and agreements. Those documents — not this page — control for the relevant product. Review them before using any product.
6. Regulatory considerations.
The regulatory landscape for open-banking data, information markets, and blockchain-published datasets continues to evolve. Availability of our products may vary by jurisdiction, and features may change in response to legal or regulatory developments.
7. Technology risks.
Our services depend on software, infrastructure, and — for certain products — public blockchain networks. Software may contain bugs; networks may congest or fork; data feeds may be interrupted. We do not guarantee uninterrupted or error-free operation.
8. Limitation on damages.
To the maximum extent permitted by law, American Spend shall not be liable for any loss or damage arising from reliance on information published through our website or products. See our Terms of Service for the full limitation of liability.
9. Contact.
Questions about this Disclaimer: legal@americanspend.com