3. Accounts, organizations and API credentials
Most of the Service requires an account. Keep your registration details accurate and your password to yourself; you're responsible for what happens under your account. Organizational accounts are managed by admin users, who configure what their members ("authorized users") can do - budgets, model locks, key policies, logging settings. Authorized users may only use the Service as configured by their admins.
You are responsible for the confidentiality of all API keys and other credentials, and for all activity and charges under them - including a leaked key - except to the extent caused by our own breach of these terms. That is precisely why keys support prepaid balances, budgets, model locks, IP and country restrictions, per-key rate limits and instant revocation: use them. Notify us immediately at [email protected] if you believe a credential is compromised. We may suspend or limit credentials when we reasonably believe it's necessary to protect you, the Service, or anyone else.
4. Payment, credits and fees
Credits. Using paid Models requires prepaid credits. Our fee is 4.9% (minimum $0.50) charged when you top up; model usage itself is billed at the provider's list price, passed through without markup. Applicable taxes and payment-processing fees may be added at purchase. You'll always see the total before you pay.
Credits never expire. Unlike some gateways, purchased credits remain valid until used or refunded. Unused purchased credits are refundable on request within 30 days of purchase, and any remaining purchased credits are refunded when you close your account in good standing; our top-up fee and processing fees are non-refundable. Promotional or trial credits have no cash value, are non-transferable and non-refundable, and may carry their own expiry stated when granted.
Auto-recharge. If you enable it, you authorize us to charge your chosen payment method when your balance falls below your threshold; you can change or cancel it anytime in your account.
Nature of credits. Credits are not money, legal tender, or property; they're a prepaid balance usable only within the Service, except for the refunds described above or as required by law.
Fee changes. If we change our fees we'll give you advance notice; if you don't accept the change, stop topping up - your existing balance keeps its value.
6. Your content
You may submit input to Models ("Input") and receive output ("Output"). As between you and SwitchGate, you retain your rights in your Input; your rights in Output are determined by the applicable Model Terms. You grant us only the narrow license needed to operate the Service: to transmit, cache (where you've enabled caching) and process your Input and Output in order to route requests, serve responses, detect abuse, and produce your ledger.
We do not train on your data, ever. We don't log prompt or completion content in the ordinary course - the ledger stores metadata (model, token counts, latency, cost, trace ID), not content. Where a feature requires temporary storage (for example batch processing or your own opt-in caches), storage is scoped to your organization and used solely to provide that feature. Providers receive your Input under their own terms; where a provider offers a no-training option, we take it, and we label each model's data practices in the catalog.
You're responsible for your Inputs: you confirm you have the rights needed to submit them and that they don't violate law or anyone's rights. We may refuse or remove content that breaks these terms, but we have no obligation to monitor it and disclaim liability for user content.