Moon Banking

Moon Banking — Snowflake Marketplace Data License

Last Updated: May 30, 2026

This Marketplace Data License (the "License") governs your access to and use of the Moon Banking dataset distributed through the Snowflake Marketplace, including both the Limited Trial tier (free) and the Paid subscription tier (collectively, the "Data"). The Data is provided by Fullup, Inc., a Delaware corporation doing business as Moon Banking ("Moon Banking", "we", "our", or "us").

By installing, accepting, querying, copying, or otherwise using the Data, you ("you" or "Licensee") agree to be bound by this License. If you are accepting this License on behalf of an organization, you represent that you have authority to bind that organization, and references to "you" include that organization.

Snowflake's Marketplace user interface may refer to this document as the "Terms of Service," "Legal Terms," or other label applicable to your Transaction. Regardless of the label used in Snowflake's interface, this document is the License governing your access to and use of the Data, and it constitutes the binding agreement between you and Moon Banking with respect to the Data.

This License is a separate agreement from the Moon Banking Terms of Service at moonbanking.com/terms and the Moon Banking Privacy Policy at moonbanking.com/privacy, each of which is incorporated by reference. In the event of a conflict between this License and those documents with respect to use of the Data, this License controls. To the extent of any conflict between this License and Snowflake's own Marketplace Consumer Terms of Service, this License controls as between you and Moon Banking.

1. Grant of License

Subject to your full compliance with this License, including timely payment of all Snowflake-billed subscription fees applicable to the Paid tier, Moon Banking grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to:

  1. Access the Data through the Snowflake Marketplace listing to which you have been granted access;
  2. Query the Data within your own Snowflake account, including any cloned databases or downstream views you create from the share;
  3. Use the Data for analytics, data science, AI/ML model training (including the training, fine-tuning, evaluation, and benchmarking of generative AI, large language models, agents, retrieval systems, and other foundation models), market research, dashboards, and other business purposes that are not prohibited by Section 2; and
  4. Display aggregate, derived, and anonymized insights generated from the Data — including outputs and predictions of AI/ML models trained on the Data — within products and reports you make available to your customers or the public, provided that those insights and outputs cannot be used to reconstruct the underlying Data or any material portion of it.

The Limited Trial tier — exposed automatically to all Marketplace consumers as the rows for which the underlying is_preview flag is TRUE — is provided for internal evaluation, prototyping, research, and analytics. It is free of charge and may be modified or discontinued at any time without notice.

The Paid tier — exposed automatically to consumers for whom SYSTEM$IS_LISTING_PURCHASED() returns TRUE — requires an active Snowflake-billed subscription and is granted on a per-organization basis (i.e. per Snowflake account-set covered by your subscription). Sharing access credentials, secure-share grants, or replicated database copies outside your organization is prohibited.

2. Restrictions

You shall NOT, and shall not permit any third party to:

2.1 Build a competing product

You shall not use the Data, in whole or in part, alone or combined with other data sources, to develop, market, or operate a product, service, dataset, or feature that competes with, or is substantially similar in purpose to, the Moon Banking platform, including without limitation:

(a) any consumer-facing or B2B service that aggregates user-submitted reviews, ratings, votes, sentiment, or rankings of banks or financial institutions;

(b) any data product, API, or feed that distributes bank-level reviews, ratings, votes, or sentiment to third parties; or

(c) any directory, search engine, or comparison tool whose primary purpose is to surface community sentiment about banks.

For the avoidance of doubt, this Section 2.1 restricts the product or service you build and operate; it does not restrict the act of training, fine-tuning, or evaluating AI/ML models on the Data, which is expressly permitted by Section 1. Models you train on the Data are yours to ship under Section 3, provided the resulting product itself does not fall within (a) through (c) above.

The foregoing restriction is a material term of this License. The parties acknowledge that breach of this Section 2.1 will cause Moon Banking irreparable harm for which monetary damages would be inadequate, and Moon Banking shall be entitled to seek injunctive relief without the requirement of posting a bond.

2.2 Redistribute or resell

You shall not, directly or indirectly:

(a) redistribute, resell, sublicense, lease, lend, publish, or otherwise make the Data available to any third party in raw, materially unmodified, or substantially reproduced form, including via Snowflake "outbound" data sharing, replication, or any other secure-share mechanism that effectively re-exposes the Data to a recipient outside your organization;

(b) expose the Data through any public or third-party-accessible API, endpoint, file download, dataset listing, Snowflake Marketplace listing, or data clean room that you offer to third parties; or

(c) bulk-export, scrape, mirror, or migrate the Data out of your Snowflake account except as strictly necessary for an internal backup of derived analytics that does not contain a substantial reproduction of the underlying Data.

For the avoidance of doubt, this Section 2.2 prohibits redistribution of the raw or substantially reproduced Data. It does not prohibit the inclusion of the Data in your own training corpora or the publication of AI/ML models, model checkpoints, weights, or evaluation benchmarks derived from the Data, provided those artifacts do not enable reconstruction of the Data and do not result in a product or service prohibited by Section 2.1.

2.3 Reverse engineer the user base

You shall not attempt to identify, deanonymize, or otherwise tie any vote, story, rating, or other Data record to a specific natural person, even though personal identifiers (IP addresses, user IDs, account information) have been removed from the Data prior to publication.

2.4 Bypass tier gating

You shall not attempt to circumvent or work around the secure-view row filters that gate the Paid-tier rows from Limited Trial consumers. If you discover an inadvertent gap in the gating, you agree to notify Moon Banking promptly at support@e.moonbanking.com and to refrain from accessing or copying any rows that you reasonably know were not intended to be available to your tier.

2.5 Misrepresent

You shall not misrepresent the source, accuracy, completeness, or recency of the Data. Any public reporting, blog post, marketing material, or research publication that uses the Data must include the attribution required by Section 4.

2.6 Use for illegal or harmful purposes

You shall not use the Data for unlawful purposes, to harass or defame any institution, to facilitate fraud, or to violate the rights of any third party.

2.7 Remove notices

You shall not remove, obscure, or alter any proprietary notices, comments, table descriptions, or column documentation contained in the shared Snowflake objects.

3. Intellectual Property

All right, title, and interest in and to the Data, including all derivative works that are substantial reproductions, copyrights, database rights, trade secrets, trademarks, and goodwill, are and shall remain the exclusive property of Moon Banking. This License grants no right or license to any Moon Banking trademark, logo, or trade name, except as required for attribution under Section 4.

You retain ownership of analyses, AI/ML models (including model weights, checkpoints, fine-tunes, and adapter layers), dashboards, and other derivative works that you create, provided they are not substantial reproductions of the Data and do not violate Section 2. Moon Banking claims no rights over your derivative works that comply with this License, and grants no rights in the Data beyond those necessary to create and use such derivative works.

4. Attribution

When publicly displaying insights derived from the Data (including in blog posts, research papers, dashboards made available to your customers, marketing material, or social media), you shall include a reasonably prominent attribution substantially in the form:

"Source: Moon Banking (moonbanking.com)"

You may modify this attribution to fit the medium, provided the meaning is preserved.

5. Fees and Payment (Paid tier only)

Subscription fees for the Paid tier are set out on the Snowflake Marketplace listing page (currently $1,499 USD per month). Fees are billed by Snowflake on your existing Snowflake invoice in accordance with Snowflake's Marketplace Consumer Terms; Moon Banking does not invoice you directly and does not collect your payment instrument. Snowflake remits Moon Banking's portion of the fee on a periodic basis.

Subscriptions renew automatically each month until canceled through Snowflake. You may cancel at any time; cancellation takes effect at the end of the then-current billing period, at which point SYSTEM$IS_LISTING_PURCHASED() flips back to FALSE and your account is automatically downgraded to the Limited Trial tier. No refunds are provided for any portion of a billing period, partial month, downtime, or early termination. See Refund Policy.

If a Snowflake-billed payment fails and is not cured under Snowflake's standard collection process, Moon Banking may revoke your Paid-tier access without further notice (in coordination with Snowflake), at which point your account again sees only the Limited Trial slice.

6. Updates and Schema Changes

Moon Banking commits to additive-only schema changes on the five tables shared in the Marketplace listing. We will not rename, drop, or change the type of an existing column without versioning the listing. We will provide at least 30 days' advance notice of any new column added to a shared table, communicated via the listing's release notes.

Moon Banking reserves the right to modify the Data, refresh cadence, retention windows, secure-view definitions, and supplemental documentation from time to time. Changes that do not materially diminish the value of the Data may be made without notice. Changes to the row-filter logic that defines the Limited Trial slice may be made without notice; such changes only ever broaden access (never restrict access already granted to the Paid tier).

7. Privacy and PII

Moon Banking deliberately excludes personal information (including IP addresses, user identities, internal API keys, and operational tracking signals) from the Data prior to publication. You agree not to attempt to circumvent these exclusions and not to combine the Data with other datasets in a manner intended to re-identify natural persons.

8. Disclaimers; "AS IS"

THE DATA IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND COMPLETENESS. YOU ACKNOWLEDGE THAT THE DATA IS USER-CONTRIBUTED CONTENT WHICH MAY BE INCOMPLETE, INACCURATE, OR OUT OF DATE, AND THAT YOU ARE RESPONSIBLE FOR PERFORMING YOUR OWN VALIDATION AND DUE DILIGENCE BEFORE RELYING ON THE DATA FOR ANY DECISION.

MOON BANKING DOES NOT WARRANT THAT THE DATA WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF DEFECTS, OR THAT ANY SPECIFIC REFRESH CADENCE WILL BE MAINTAINED.

9. Limitation of Liability

9.1 Disclaimer of Indirect Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AND EXCEPT AS PROVIDED IN SECTION 9.4, IN NO EVENT WILL EITHER PARTY OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THIS LICENSE OR YOUR USE OF THE DATA, WHETHER IN CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9.2 General Cap

Subject to Sections 9.3 and 9.4, each party's aggregate liability under this License shall not exceed the greater of (A) the total fees remitted by Snowflake to Moon Banking attributable to your use under this License in the twelve (12) months preceding the event giving rise to the claim, or (B) five thousand U.S. dollars (US$5,000).

9.3 Super Cap for Indemnification

Subject to Section 9.4, each party's aggregate liability for its indemnification obligations under Section 10 shall not exceed the greater of (A) three times (3×) the amount calculated under Section 9.2(A), or (B) fifty thousand U.S. dollars (US$50,000).

9.4 Exclusions

The limitations in Sections 9.1, 9.2, and 9.3 do not apply to: (i) your breach of Section 2 (Restrictions), Section 4 (Attribution), or Section 5 (Fees and Payment); (ii) either party's breach of its confidentiality obligations; or (iii) damages arising from a party's gross negligence, willful misconduct, fraud, or violation of law.

10. Indemnification

10.1 Indemnification by Moon Banking

Subject to Sections 9.3 and 9.4, Moon Banking will defend you, your affiliates, and your respective officers, directors, employees, and agents against any third-party claim alleging that the Data, when accessed and used by you in compliance with this License, infringes any U.S. copyright, U.S. trademark, U.S. trade secret, or U.S. database right of the third party (an "IP Claim"), and Moon Banking will indemnify you for any damages and reasonable costs (including reasonable attorneys' fees) finally awarded against you, or paid in a settlement approved in writing by Moon Banking, resulting from such IP Claim.

10.2 Exclusions from Moon Banking's Obligations

Moon Banking's obligations under Section 10.1 do not apply to any IP Claim to the extent it arises from or relates to: (a) your modification, alteration, or augmentation of the Data; (b) your combination, operation, or use of the Data with software, hardware, data, or services not provided or authorized by Moon Banking, where the IP Claim would not have arisen but for that combination; (c) your use of the Data in a manner that breaches Section 2 (Restrictions) or otherwise violates this License; or (d) your continued use of the Data after Moon Banking has notified you to discontinue such use due to a pending or threatened IP Claim.

10.3 Mitigation

If the Data becomes, or in Moon Banking's reasonable opinion is likely to become, the subject of an IP Claim, Moon Banking may, at its sole option and expense: (a) procure for you the right to continue using the Data; (b) modify the Data to make it non-infringing while preserving substantially equivalent functionality; or (c) terminate your access to the Data and refund any unused portion of pre-paid Subscription fees attributable to the period after termination. Sections 10.1, 10.2, and 10.3 state Moon Banking's entire liability and your sole and exclusive remedy with respect to any IP Claim.

10.4 Indemnification by You

Subject to Sections 9.3 and 9.4, you will defend Moon Banking, its affiliates, and their respective officers, directors, employees, and agents against any third-party claim arising out of or related to: (a) your breach of this License; (b) your use of the Data in violation of Section 2 (Restrictions); or (c) any analyses, products, or services you build using the Data that infringe or misappropriate the intellectual property rights of any third party. You will indemnify Moon Banking for any damages and reasonable costs (including reasonable attorneys' fees) finally awarded against Moon Banking, or paid in a settlement approved in writing by you, resulting from such claim.

10.5 Indemnification Procedures

The party seeking indemnification under this Section 10 (the "Indemnified Party") shall: (i) promptly notify the indemnifying party (the "Indemnifying Party") in writing of the claim; (ii) give the Indemnifying Party sole control of the defense and settlement of the claim, provided that the Indemnifying Party may not settle a claim in a manner that imposes any non-monetary obligation on, or admits any fault by, the Indemnified Party without the Indemnified Party's prior written consent (not to be unreasonably withheld, conditioned, or delayed); and (iii) provide reasonable cooperation in the defense at the Indemnifying Party's expense. Failure to provide prompt notice will not relieve the Indemnifying Party of its obligations except to the extent it is materially prejudiced by the delay.

11. Term and Termination

This License is effective on the date you first access the Data and continues until terminated. The Paid tier also continues for so long as your Snowflake-billed subscription remains active.

Moon Banking may terminate or suspend this License immediately, with or without notice, if you breach Section 2 (Restrictions), Section 4 (Attribution), or Section 5 (Fees and Payment), or for any other material breach that you fail to cure within ten (10) days after notice. Termination of the Paid tier may be effected by Moon Banking through Snowflake's provider tooling. Upon termination, you must cease all use of the Data and destroy or return any cached copies, except that you may retain aggregate, derived, and anonymized insights that comply with this License.

Sections 2, 3, 8, 9, 10, 11, and 13–16 survive termination.

12. Compliance Self-Certification

If Moon Banking has a reasonable, good-faith basis to believe you have materially breached Section 2 (Restrictions), Moon Banking may, on at least thirty (30) days' advance written notice, request that you provide a written certification, signed by an authorized officer, that your use of the Data complies with this License. The certification may include a brief description of the categories of use that Moon Banking reasonably specifies in its request.

Moon Banking may make no more than one (1) such request in any twelve-month period, and may not make a request unless it has first attempted in good faith to resolve the suspected breach informally with you for at least fifteen (15) days.

This Section 12 does not authorize Moon Banking to access your systems, premises, networks, accounts, source code, model weights, datasets other than the Data, or any other work product. Moon Banking shall treat any information you provide hereunder as your Confidential Information.

13. Governing Law; Dispute Resolution

This License is governed by the laws of the State of Delaware, without regard to its conflict of law principles. Any dispute arising under or relating to this License shall be resolved through binding arbitration in Delaware, in accordance with the rules of the American Arbitration Association, to the extent permitted by law. If arbitration is not permitted, disputes shall be brought in a court of competent jurisdiction in Delaware. Notwithstanding the foregoing, Moon Banking may seek injunctive or other equitable relief in any court of competent jurisdiction to enforce Sections 2 and 3.

14. Assignment

You may not assign this License, in whole or in part, without Moon Banking's prior written consent, except in connection with a merger, acquisition, or sale of substantially all of your assets, in which case the assignee must agree in writing to be bound by this License. Moon Banking may assign this License without restriction.

15. Entire Agreement; Updates

This License, together with the Moon Banking Terms of Service and Privacy Policy as incorporated above, constitutes the entire agreement between you and Moon Banking with respect to the Data, and supersedes all prior agreements and understandings on the subject between you and Moon Banking.

Moon Banking may update this License from time to time. The "Last Updated" date at the top of this page reflects the current version. Material changes will be communicated through the Snowflake Marketplace listing's release notes. Continued use of the Data following the effective date of an update constitutes your acceptance of the updated License.

16. Contact

Questions about this License should be directed to:

Fullup, Inc. dba Moon Banking
Email: support@e.moonbanking.com
Delaware, USA