Terms & Conditions

The following definitions apply throughout these Terms and Conditions.

These Terms and Conditions («Terms»), together with the Privacy Policy, Disclaimer, Acceptable Use Policy, Cookie Policy, and any separately executed Enterprise Services Agreement or Data Processing Addendum, constitute the entire legal agreement between the User and the Company (the «Framework»).

Digital Credit Compass is a B2B analytics platform serving financial advisers, advisory firms, and registered users.

By accessing the Platform in any manner — including browsing the website, registering an account, activating a subscription, consuming the API, or accessing any output — the User unconditionally accepts and agrees to be bound by the Framework in its then-current version.

If a User does not accept these Terms in their entirety, they must immediately cease all access to and use of the Platform. Continued use following publication of amended Terms constitutes acceptance of the amended version.

SERVICE CLASSIFICATION Digital Credit Compass (DCC) operates as a deterministic risk analytics and scenario computation platform. DCC provides model-generated risk scores and scenario outputs derived from user-defined inputs and publicly available data. Outputs are analytical in nature and form part of an independent decision-making process conducted by the user. No DCC output constitutes investment, financial, legal, or tax advice in any jurisdiction. No fiduciary, advisory, or contractual relationship is created by the production, delivery, or use of any DCC document, score, or output.

Operationally, the Platform delivers (a) the Risk Scoring Engine across three planner modules; (b) Scenario Modelling outputs from user-supplied inputs; (c) the Yield Intelligence Dashboard; (d) machine-readable Data Feeds and API access; and (e) the published Methodology Documentation. The Platform does NOT execute transactions, provide custody, act as a financial intermediary, issue financial instruments, or provide regulated financial services of any kind.

No communication, output, score, report, document, API response, or interface element produced by the Platform constitutes investment advice, financial advice, a credit rating, a suitability or appropriateness assessment, or any other form of regulated financial service.

No fiduciary duty, advisory duty, or duty of care is created between the Company and any User by virtue of access to or use of the Platform, regardless of the frequency of use, the nature of outputs consumed, or any communications exchanged.

Users who rely on DCC outputs in connection with investment decisions do so entirely at their own risk. The Company expects Users to obtain independent qualified professional input before any capital allocation decision.

To access the Platform, Users must be at least 18 years of age, have legal capacity to enter into binding contracts, not be prohibited from receiving digital asset-related analytical services under Applicable Law, and not be accessing from a jurisdiction where the Company's services are restricted or would require regulatory authorisation that the Company does not hold.

Users represent and warrant on an ongoing basis that all information provided is accurate and complete; use of the Platform is solely for lawful purposes; they are solely responsible for all decisions made in reliance on Platform outputs; and they have obtained all necessary independent professional advice before acting on any output.

Users expressly acknowledge and accept the following material risk factors:

7.1 Billing

• Subscription fees are billed in advance of each billing period (monthly or annual, as selected).
• All fees are quoted and charged in USD unless otherwise agreed in an Enterprise Services Agreement.
• Payment is due immediately upon subscription initiation and at each renewal date.
• The Company uses PCI-DSS compliant third-party payment processors. Full card data is never stored by the Company.
• Unpaid invoices beyond 14 days may result in suspension of Platform access.

7.2 Non-Refundability

All fees are non-refundable except where: (a) required by Applicable Law; (b) the Company materially fails to deliver subscribed features for a continuous period exceeding 72 hours due to causes within the Company's control; or (c) expressly agreed in writing in an Enterprise Services Agreement.

7.3 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled at least 48 hours before the renewal date. The Company may modify pricing with 30 days' written notice; continued use after the notice period constitutes acceptance.

7.4 Cancellation and Continued Access

Users may cancel their Subscription at any time through the Platform account settings or by contacting the Company through designated support channels. Unless otherwise specified in an applicable Enterprise Services Agreement, cancellation becomes effective at the end of the then-current billing period.

Following cancellation, the User will continue to have access to subscribed features through the end of the applicable prepaid billing period, unless access is earlier suspended or terminated in accordance with these Terms. No recurring charges will be applied after the effective cancellation date.

Cancellation of a Subscription does not, by itself, create any entitlement to a refund, credit, or prorated reimbursement for fees already paid. Any refund rights shall be determined exclusively in accordance with Section 7.2 and any rights that cannot be limited or excluded under Applicable Law.

The Company targets 99.0% monthly availability excluding scheduled maintenance. No guarantee of uninterrupted or error-free access is given. The Platform is provided on an ‘as-available’ basis. Scheduled maintenance is communicated at least 24 hours in advance. Force Majeure Events suspend the Company's performance obligations.

All methodologies, scoring systems, algorithms, source code, platform content, DCC Scores, trademarks, and documentation remain the exclusive property of the Company, protected under applicable intellectual property and trade secret law including UAE Federal Decree-Law No. 36 of 2021 on Trade Secrets.

Users receive a limited, non-exclusive, non-transferable licence to access Platform outputs for their own internal informational purposes only. This licence does not permit bulk copying, redistribution, resale, white-labelling, reverse-engineering of the scoring algorithm, or use in any commercial product without written authorisation.

LIABILITY To the fullest extent permitted by applicable law, Digital Credit Compass excludes all liability for decisions made in reliance on DCC outputs. DCC outputs are provided for independent analytical use. Users retain full responsibility for how outputs are applied within their personal decision-making processes. DCC's liability, where permitted by law, is limited to direct losses caused solely by a demonstrable material error in the DCC scoring engine.

10.1 Additional Detail — Exclusions and Cap

To the maximum extent permitted by Applicable Law, the Company shall not be liable for any indirect, consequential, incidental, special, punitive, or exemplary loss, including loss of profit, revenue, opportunity, data, or goodwill, howsoever caused. The Company shall not be liable for any financial loss arising from any investment, capital allocation, or trading decision made in reliance on Platform outputs, regardless of whether such reliance was reasonable or foreseeable. The Company's aggregate liability to any User shall not exceed the greater of: (a) total fees paid by that User in the 12-month period preceding the event giving rise to liability; or (b) USD 500. Nothing herein limits liability for death or personal injury caused by negligence, fraud, or liability that cannot be excluded under Applicable Law.

The User agrees to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and service providers from and against all claims, losses, damages, costs (including legal costs), and expenses arising from: breach of these Terms; violation of Applicable Law; misuse of the Platform or DCC outputs; false representations; or infringement of third-party intellectual property rights in connection with use of the Platform.

Enterprise Clients are subject to additional terms under a separately executed Enterprise Services Agreement (ESA), which prevails over these general Terms in case of conflict. Enterprise onboarding requires completion of the Company's Know-Your-Business (KYB) and Anti-Money Laundering (AML) due diligence process. Enterprise Clients represent and warrant that their use of DCC outputs in their own products or services complies with all Applicable Law in each jurisdiction of operation.

DCC is not authorised or regulated by the FCA (UK), SEC (USA), MAS (Singapore), ESMA (EU), or any other financial services regulatory body as at the Effective Date. The Company's current regulatory status — including any VARA (UAE) licensing — is published on its website and updated as changes occur. Users in regulated jurisdictions are responsible for determining whether access to and use of the Platform is permissible under their local regulatory framework.

14.1 By the User

Users may terminate access at any time by cancelling their subscription via account settings. Termination does not entitle the User to a refund of prepaid fees except as provided in Section 7.

14.2 By the Company

The Company may immediately suspend or terminate access, without prior notice and without liability, upon breach of these Terms, suspected fraudulent or illegal use, legal or regulatory necessity, non-payment, or a Force Majeure Event making continued provision unviable.

14.3 Survival

Sections 9 (IP), 10 (Liability), 11 (Indemnification), and 16 (Governing Law) survive termination.

The Company may amend these Terms at any time. Material amendments will be notified to Subscribers via email at least 14 days before they take effect. Continued use of the Platform following the effective date constitutes acceptance. Enterprise Clients are subject to the amendment provisions in their ESA.

16.1 Platform Governing Law and Forum

JURISDICTION These terms and the DCC platform are governed by the laws of the Dubai International Financial Centre (DIFC). Any dispute arising from use of the platform shall be subject to the exclusive jurisdiction of the DIFC Courts.

16.2 Enterprise Client Forum Selection

The platform governing law and exclusive jurisdiction is set out in §16.1 above. The table below applies only where an Enterprise Services Agreement (ESA) executed between the Company and an Enterprise Client expressly specifies an alternative governing law or forum for that client relationship. In the absence of an executed ESA, DIFC Courts have exclusive jurisdiction.

Nothing in this Section prevents either party from seeking urgent injunctive relief in any competent court to protect intellectual property or confidential information.