PolicyChat Rate Authority — Data License

Data License

PolicyChat Rate Authority data is published under CC BY 4.0.

You are free to:

• Share — copy and redistribute the material in any medium or format
• Adapt — remix, transform, and build upon the material for any purpose, including commercially

Under the following terms:

• Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made.

Citation format

When citing in publications, research, journalism, or downstream analytical products:

PolicyChat Rate Authority series <SERIES_ID>, accessed <DATE>. https://rateauthority.org/data/series/`<SERIES_ID>`/

For aggregate / multi-series use:

Source: PolicyChat Rate Authority (https://rateauthority.org/data/), accessed <DATE>.

What “appropriate credit” means

• In a publication or article: a line of attribution (citation format above) within the article body or in a footnote referencing the specific series ID.
• In a chart or visualization: a “Source: PolicyChat Rate Authority” label visible on the chart.
• In a derived dataset: a README or schema-level note indicating PolicyChat Rate Authority as the upstream source.
• In an academic paper: standard citation with series ID, accessed date, and methodology page URL.

What’s NOT required

• No payment of any kind for the data.
• No prior notification of intent to use.
• No advance approval of headlines or framing — editorial independence is preserved.

What IS required beyond attribution

• Don’t misrepresent. Don’t cite “current rates” when using NAIC 2023 baseline data — call it the 2023 baseline. The provenance is in every record; honor it.
• Don’t strip provenance. If you republish observation-level data, keep the source field intact.
• Don’t claim endorsement. PolicyChat does not endorse downstream uses of its data.

Frequently asked

Can I use this in a commercial product? Yes. No commercial restriction. The CC BY 4.0 license is explicitly commercial-friendly.

Can I cache or mirror the API responses? Yes, with attribution preserved. We ask that you respect rate limits to keep the API available for everyone (1,000 requests/day anonymous; higher tiers at /pricing).

Do I need an API key? Not for low-volume reads (≤1,000 requests/day). Optional for higher-volume tiers.

What if I find an error? Email [email protected] with the series ID + value + correction. We publish corrections within 48 hours of verification.

Can I retract a citation if the underlying data is later corrected? The Rate Authority ledger preserves all historical observations. A corrected value appears as a NEW observation with a later effective date — the original observation you cited remains in the ledger and is still accessible at the same series_id + date.

Questions: [email protected]. Methodology: /methodology/rate-authority/.