Provider terms of use

[lineoffligbot]

Researched terms of use and data licensing for each provider. Most central banks publish explicit terms.

Findings

Provider	Terms	Redistribution
ECB	Disclaimer	Free with attribution
BOC	Terms	Free with attribution
FRED	Legal	Public domain
IMF	Copyright	Most permissive, derivatives OK
RBA	Copyright	CC BY 4.0
BCRA	Legal notice	Informational/educational OK, commercial needs authorization
TCMB	Disclaimer	Quoting OK, commercial needs written permission
NBU	Terms	Source reference required
BOB	Disclaimer	Non-commercial, commercial needs permission
CBR	User agreement	Restricted, needs consent
BOJ	Disclaimer	Must adhere to copyright terms
NBP	None found	EU open data directive likely applies
CBA	None found	No published terms
NBRB	None found	No published terms
BNM	None found	No published terms
CBK	None found	No published terms
NBRM	None found	No published terms

Common themes across providers that do publish terms:

• Attribution/source reference is universally required
• If data is offered in a paid product, users must be told it is available free from the source
• Rates are indicative/informational, not for transaction purposes

Adding terms_url to the provider model so the API can surface these links.