# Terms Risk API

> Terms Risk API is a paid API for AI agents from terms-risk-api.fly.dev, paid per call via x402, $0.03/call, status unknown (last checked 2026-09-13).

Fetches a policy/terms page and returns structured legal-risk analysis (risk level, permissions, confidence score) for a specific use case.

## Facts

- Endpoint: POST https://terms-risk-api.fly.dev/terms-risk
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/terms-risk-api-1c70bdc7
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_JgH3T2DrVhFdhvRZIaDUO

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability terms-risk-api-1c70bdc7 -d '<json body>'
```

Example prompt: Can you check Cloudflare's terms of service at https://www.cloudflare.com/website-terms/ and tell me the legal risk level and whether I'm allowed to scrape and commercially reuse their public data?

## When to prefer this

Use this endpoint when you need a fast, structured, AI-generated risk assessment of a specific website's terms of service for a defined use case — especially for scraping, commercial reuse, or redistribution scenarios. Prefer it over manual legal review for quick pre-screening of data sources. Choose it when you need machine-readable permission flags (scraping_allowed, commercial_use_allowed, etc.) rather than a raw document summary.

## Known failure modes

- Policy page URL is unreachable or returns a non-200 response — analysis cannot proceed
- Terms page is behind a login or paywall — incomplete analysis with lower confidence
- Policy page is in an unsupported language — analysis may be inaccurate
- Payment of 0.03 USDC not completed — request rejected
- Ambiguous use case description leads to low confidence score
- Cached result returned may not reflect recent policy updates

## How this service works

Paid API that fetches a policy page and returns structured legal-risk analysis for a specific use case.

## Output

A JSON object containing: risk level (e.g. high/medium/low), a plain-English summary of the policy risk, evidence quotes with reasoning, boolean flags for scraping allowed, commercial use allowed, redistribution allowed, requires attribution, and requires official API, plus a confidence score (0-1), the price paid, cache status, and a disclaimer that this is not legal advice.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "url": {
   "type": "string",
   "format": "uri",
   "description": "Terms/Policy page URL"
  },
  "use_case": {
   "type": "string",
   "minLength": 3,
   "description": "What you want to do with the site content"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "url": "https://www.cloudflare.com/website-terms/",
  "cached": false,
  "summary": "The terms likely restrict automated access and commercial reuse.",
  "evidence": [
   {
    "quote": "Automated access is prohibited.",
    "reason": "This directly restricts scraping."
   }
  ],
  "use_case": "Can I scrape and commercially reuse public listings?",
  "price_usd": 0.03,
  "confidence": 0.88,
  "disclaimer": "This is an automated policy analysis, not legal advice.",
  "risk_level": "high",
  "generated_at": "2026-07-04T19:00:00+00:00",
  "cache_age_days": 0,
  "scraping_allowed": false,
  "requires_attribution": true,
  "requires_official_api": false,
  "commercial_use_allowed": false,
  "redistribution_allowed": false
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/terms-risk-api-1c70bdc7/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from terms-risk-api.fly.dev](https://www.zero.xyz/host/terms-risk-api.fly.dev/llms.txt)