generated: '2026-09-05'
method: searched
source: >-
  https://edge.sitecorecloud.io/cincinna-x33xq9h6/media/Project/Cincinnati-Financial/CinFin/Files/api-terms-conditions.pdf
  (Cincinnati Insurance "API Terms and Conditions Agreement", section 7 "Use of APIs"),
  linked from https://www.cinfin.com/legal/api-terms-conditions-acceptance
limit_count: 0
rate_limits: []
response_headers: []
note: >-
  No numeric rate limit, window, burst allowance, exhaustion status code or RateLimit-*
  response header is published anywhere on Cincinnati Insurance's public surface. The API
  Terms and Conditions Agreement confirms limits EXIST without ever stating one: section 7
  forbids a Provider to "Circumvent or attempt to circumvent any limits placed on Provider's
  use of the APIs by Cincinnati Insurance", to "Use a disproportionate amount of bandwidth",
  to "Request more data than your application needs for its intended functionality", and to
  use the APIs in a way that "negatively affects the stability of the APIs or the manner in
  which other apps using the APIs behave". A limit an integrator is contractually bound not
  to exceed, and is never told the value of, is the finding here — it is legible only after
  the agreement is executed and the per-API "API Policy" documentation the agreement
  incorporates by reference is handed over. limit_count is an honest 0.
contractual_limit_language:
  - clause: 7(o)
    text: >-
      Circumvent or attempt to circumvent any limits placed on Provider's use of the APIs by
      Cincinnati Insurance
  - clause: 7(j)
    text: Request more data than your application needs for its intended functionality
  - clause: 7(t)
    text: >-
      Use the APIs in such a way that your usage negatively affects the stability of the APIs
      or the manner in which other apps using the APIs behave
  - clause: 7(u)
    text: Use a disproportionate amount of bandwidth
evidence:
  - url: >-
      https://edge.sitecorecloud.io/cincinna-x33xq9h6/media/Project/Cincinnati-Financial/CinFin/Files/api-terms-conditions.pdf
    status: 200
    kind: API Terms and Conditions Agreement (live probe)
  - url: https://www.cinfin.com/legal/api-terms-conditions-acceptance
    status: 200
    kind: the only public page in the sitemap that mentions the API program