Terms of Service

Last updated: July 14, 2026

These Terms of Service (“Terms”) form a legally binding agreement between you (“User,” “you,” or “your”) and AdverseMe (“Company,” “we,” “us,” or “our”). By accessing, registering for, or using the AdverseMe platform, APIs, dashboards, or any related services (collectively, the “Service”), you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and our Refund Policy, each of which is incorporated into these Terms by reference. If you do not agree, you must not access or use the Service.

1. Acceptance of Terms

By creating an account, accessing, or using the Service in any manner, you agree to these Terms in their entirety. If you use the Service on behalf of an entity, you represent and warrant that you have authority to bind that entity, and “you” refers to both you individually and that entity. If you lack such authority, you must not use the Service.

2. Definitions

“Service” means the AdverseMe platform, web application, APIs, integrations, data, screening engines, dashboards, reports, and all related products. “Screening Results” means any output produced by the Service, including matches, scores, risk levels, profiles, summaries, and reports. “Screening Subject” means any natural or legal person whose name or details you submit to the Service for screening. “User Data” means data you submit to the Service. “Subscription” means a paid plan granting access to the Service for a billing cycle.

3. Business Use Only; Eligibility

3.1. The Service is offered and made available exclusively to businesses and professionals for compliance, due-diligence, and risk-management purposes. By using the Service, you represent and warrant that you are acting solely in a business, trade, or professional capacity and not as a consumer, and that you are not acquiring the Service for personal, family, or household purposes.

3.2. To the maximum extent permitted by law, you agree that consumer-protection laws and regulations — including cooling-off, withdrawal, and unfair-terms regimes applicable to consumers — do not apply to your use of the Service.

3.3. You must be at least 18 years of age and have the legal capacity to enter into a binding contract.

3.4. You must provide accurate, current, and complete account information and keep it updated. You are solely responsible for all activity occurring under your account and for safeguarding your credentials. You must notify us immediately of any suspected unauthorized access. The Company has no liability for losses arising from your failure to secure your account.

3.5. You represent and warrant that neither you nor any entity you act for is subject to sanctions administered by the UN, US (OFAC), EU, UK (OFSI), UAE, or any other applicable authority, and that you will not access or use the Service from, or make it available in, any embargoed or comprehensively sanctioned jurisdiction. You are solely responsible for compliance with all export-control and sanctions laws applicable to your use of the Service.

4. Subscription, Billing & Credits

4.1. Subscriptions are billed monthly in advance for the full billing cycle. There are no partial-month subscriptions.

4.2. Subscriptions auto-renew at the then-current rate unless cancelled before renewal. You authorize us to charge your designated payment method for each renewal.

4.3. All fees are final and non-refundable. Cancellation takes effect at the end of the current billing period. Full details are in the Refund Policy, which is incorporated by reference into these Terms and applies to every payment you make.

4.4. Credits are non-transferable, non-refundable, have no monetary value, and expire at the end of each billing cycle unless expressly stated otherwise. The Company may modify pricing, plans, credit allocations, and feature availability at any time, effective at the next billing cycle.

4.5. Failed payments may result in immediate suspension or termination of access without notice or refund. You are responsible for all taxes, duties, foreign-exchange costs, and payment-processing fees associated with your payments, excluding taxes on the Company’s income.

5. Acceptable Use

You agree to use the Service only for lawful compliance and due-diligence purposes. You shall not: (a) violate any law or regulation; (b) use scrapers, bots, or unauthorized automation; (c) resell, redistribute, sublicense, or commercially exploit Screening Results or any Service data; (d) reverse engineer, decompile, disassemble, or attempt to derive source code; (e) interfere with, disrupt, overload, or probe the Service or its infrastructure; (f) use the Service to harass, defame, stalk, or harm any person; (g) share account access with unauthorized parties; (h) circumvent rate limits, quotas, or access controls; (i) submit false, infringing, or unlawful data; (j) use the Service to train, evaluate, or improve any competing product or model; (k) use the Service or Screening Results to make, or as a factor in making, any determination of a natural person’s eligibility for credit, insurance, employment, housing, or any other purpose regulated by consumer-reporting laws.

6. Your Compliance Responsibilities; Data Roles

6.1. As between you and the Company, you are the data controller (or equivalent under applicable law) of all personal data relating to Screening Subjects that you submit to or obtain through the Service. The Company processes such data on your documented instructions as a processor and service provider.

6.2. You represent and warrant that, for every screening you run, you have a lawful basis and, where required, a permissible purpose under all applicable data-protection, privacy, and financial-crime laws (including, where applicable, GDPR, UK GDPR, and equivalent regimes) to collect, submit, and process the Screening Subject’s personal data and to receive Screening Results.

6.3. You are solely responsible for: (a) responding to rights requests, complaints, and inquiries from Screening Subjects; (b) any required notices to, or consents from, Screening Subjects; (c) your own regulatory obligations, filings, and record-keeping (including KYC, AML, CTF, and sanctions obligations); and (d) all decisions you make or decline to make. The Company owes no duty of care to any Screening Subject or other third party in connection with your use of the Service.

6.4. You shall notify us without undue delay if you receive any regulatory inquiry or data-subject request that concerns the Service, and you shall not make commitments on the Company’s behalf.

7. Data & AI Output Disclaimer

7.1. Screening data is aggregated, ingested, or referenced from third-party public, governmental, regulatory, and commercial sources. The Company does not control, audit, or guarantee the accuracy, completeness, freshness, or availability of any third-party source.

7.2. Screening Results are generated in whole or in part using artificial-intelligence and large-language-model technology, which is probabilistic by nature and may produce output that is incomplete, outdated, mistranslated, misattributed, or factually wrong, including false positives, false negatives, identity mismatches, and fabricated or misinterpreted content. You acknowledge these limitations and accept the associated risks.

7.3. You must independently verify all Screening Results before taking, refusing, or relying on any action. Screening Results must never be used as the sole basis for any decision concerning any person or entity. Screening Results do not constitute certification, endorsement, validation, clearance, or guarantee of any person, entity, or transaction, and do not constitute a consumer report under any consumer-reporting law.

7.4. The Company may add, modify, deprecate, or remove data sources, fields, scoring models, or features at any time without notice and without liability.

8. No Service-Level Commitment; Beta Features

8.1. The Service is provided without any commitment as to uptime, availability, latency, throughput, support response, or data durability. The Company may perform maintenance, throttle usage, or suspend the Service in whole or in part at any time, with or without notice, and without liability.

8.2. Features identified as beta, preview, experimental, or early access are provided strictly as-is, may be modified or withdrawn at any time, and are excluded from any obligation the Company may otherwise have under these Terms.

9. Disclaimer of Warranties

THE SERVICE AND ALL SCREENING RESULTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

THE COMPANY DOES NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (C) RESULTS WILL BE ACCURATE, COMPLETE, OR RELIABLE; (D) DEFECTS WILL BE CORRECTED; (E) THE SERVICE OR ANY UNDERLYING SERVERS ARE FREE OF VIRUSES OR HARMFUL COMPONENTS.

SCREENING RESULTS ARE INFORMATIONAL ONLY AND DO NOT CONSTITUTE LEGAL, FINANCIAL, COMPLIANCE, REGULATORY, INVESTMENT, OR PROFESSIONAL ADVICE. NO ADVISORY, FIDUCIARY, AGENCY, OR SIMILAR RELATIONSHIP EXISTS BETWEEN YOU AND THE COMPANY. YOU BEAR SOLE AND EXCLUSIVE RESPONSIBILITY FOR ALL COMPLIANCE, ONBOARDING, KYC, AML, SANCTIONS, RISK, AND BUSINESS DECISIONS YOU MAKE, AND YOU ASSUME ALL RISK ARISING FROM YOUR USE OF, OR RELIANCE ON, THE SERVICE.

10. Limitation of Liability

10.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, LOST BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, REPUTATIONAL HARM, OR ANTICIPATED SAVINGS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2. WITHOUT LIMITING THE FOREGOING, THE COMPANY SHALL HAVE NO LIABILITY FOR: (A) ANY DECISION OR ACTION TAKEN OR NOT TAKEN IN RELIANCE ON SCREENING RESULTS; (B) INACCURATE, INCOMPLETE, DELAYED, OR UNAVAILABLE SCREENING RESULTS; (C) ERRORS, OMISSIONS, OR UNAVAILABILITY OF ANY THIRD-PARTY DATA SOURCE; (D) ANY THIRD-PARTY CLAIM AGAINST YOU, INCLUDING CLAIMS BY SCREENING SUBJECTS; (E) REGULATORY FINES, PENALTIES, SANCTIONS, OR ENFORCEMENT ACTIONS IMPOSED ON YOU; (F) UNAUTHORIZED ACCESS TO OR USE OF YOUR ACCOUNT; (G) ANY INTEGRATION, INTERRUPTION, OR FAILURE OF A THIRD-PARTY SERVICE; (H) SUSPENSION, LIMITATION, OR TERMINATION OF THE SERVICE OR YOUR ACCESS TO IT.

10.3. THE COMPANY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE FORM OR THEORY OF ACTION (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE), SHALL NOT EXCEED THE LESSER OF (A) THE FEES ACTUALLY PAID BY YOU TO THE COMPANY DURING THE ONE (1) MONTH IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS (US $100). WHERE YOU HAVE PAID NO FEES (INCLUDING FREE TIERS AND TRIALS), THE COMPANY’S TOTAL AGGREGATE LIABILITY SHALL BE ZERO TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10.4. ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE MUST BE COMMENCED WITHIN SIX (6) MONTHS AFTER THE EVENT GIVING RISE TO THE CLAIM; CLAIMS NOT COMMENCED WITHIN THAT PERIOD ARE PERMANENTLY BARRED, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

10.5. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (such as liability for fraud, or for death or personal injury caused by negligence). The limitations and exclusions in this Section apply to the fullest extent permitted by law and survive termination.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, agents, contractors, and licensors from and against any and all claims, demands, actions, investigations, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable legal and attorneys’ fees) arising out of or in connection with: (a) your use of or access to the Service; (b) your violation of these Terms or any law; (c) your User Data; (d) any decision, action, or omission you take based on Screening Results; (e) any claim brought by a third party (including any Screening Subject) related to your use of the Service; (f) any regulatory inquiry, investigation, fine, penalty, or enforcement action arising from your compliance obligations; (g) your breach of the representations and warranties in Sections 3 and 6, including the absence of a lawful basis for any screening; (h) your infringement or alleged infringement of any third-party right. The Company reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate fully. Your obligations under this Section survive termination of these Terms.

12. Intellectual Property

12.1. The Service, including all software, source code, object code, algorithms, scoring models, data structures, designs, user interfaces, branding, logos, documentation, and underlying technology, is and remains the exclusive property of the Company and its licensors. All rights not expressly granted are reserved.

12.2. Subject to your continued compliance with these Terms and payment of all fees, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your internal compliance and due-diligence purposes during your active Subscription.

12.3. You shall not, and shall not permit any third party to, copy, modify, adapt, translate, reverse engineer, decompile, disassemble, create derivative works of, or otherwise exploit the Service or any Screening Results, except as expressly permitted herein.

12.4. You shall not use Screening Results, the Service, or any Service data to develop, train, evaluate, benchmark, or improve any competing product, service, model, dataset, or offering.

12.5. Any feedback, suggestions, ideas, or recommendations you submit become the sole property of the Company, which may use them for any purpose without restriction or compensation.

12.6. The Company may collect, use, and retain anonymized and aggregated usage data for any lawful business purpose, including service improvement, analytics, research, and product development.

13. Anti-Competition

You shall not, directly or indirectly, use the Service, Screening Results, or any data obtained from the Service to design, build, train, improve, market, or operate any product, service, model, or dataset that competes with the Service. You shall not publicly benchmark, review, or publish performance comparisons of the Service against any competitor, alternative, or substitute without the Company’s prior written consent.

14. Suspension & Termination

14.1. The Company may suspend, limit, or terminate your account and access to the Service at any time, for any reason or no reason, with or without notice, and without liability — including for suspected fraud or abuse, elevated legal, regulatory, security, or reputational risk, non-payment, chargebacks, or breach of these Terms.

14.2. The Company may terminate these Terms for convenience by providing thirty (30) days’ notice.

14.3. No refund of any kind will be issued upon suspension or termination, as set out in the Refund Policy.

14.4. Following termination, the Company may delete your account and User Data thirty (30) days after termination, subject to legal retention obligations.

14.5. Sections 6 (Your Compliance Responsibilities), 7 (Data & AI Output Disclaimer), 9 (Disclaimer of Warranties), 10 (Limitation of Liability), 11 (Indemnification), 12 (Intellectual Property), 13 (Anti-Competition), 16 (Governing Law & Arbitration), and 18 (Severability, Waiver & Entire Agreement), and any other provisions that by their nature should survive, shall survive termination.

15. Force Majeure

The Company shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to acts of God, government actions or orders, sanctions, embargoes, war, terrorism, civil unrest, pandemics, epidemics, public health emergencies, natural disasters, fires, floods, earthquakes, power or telecommunications failures, internet disruptions, third-party service outages, denial-of-service attacks, cyberattacks, data breaches at third parties, and labor disputes.

16. Governing Law & Arbitration

16.1. These Terms shall be governed by and construed in accordance with the laws of the Emirate of Sharjah, United Arab Emirates, without regard to conflict of law principles.

16.2. Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be finally resolved by binding arbitration seated in Sharjah, United Arab Emirates, conducted in the English language by a single arbitrator.

16.3. YOU AND THE COMPANY EACH WAIVE ANY RIGHT TO A JURY TRIAL.

16.4. YOU AND THE COMPANY EACH WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. Disputes must be brought in an individual capacity only.

16.5. Each party shall bear its own costs and legal fees, unless the arbitrator awards costs to the prevailing party.

16.6. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

17. Modification of Terms

The Company may modify these Terms at any time. Modifications take effect immediately upon posting to the Service or website. Your continued access or use of the Service constitutes acceptance of the modified Terms. Material changes may also be communicated by email; however, your failure to receive, read, or process such email shall not invalidate the modification or your acceptance of it.

18. Severability, Waiver & Entire Agreement

18.1. If any provision of these Terms is held invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.

18.2. The Company’s failure to enforce any right or provision shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by the Company.

18.3. You may not assign or transfer these Terms or any rights hereunder without the Company’s prior written consent. The Company may assign these Terms without restriction.

18.4. These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements, communications, and understandings.

18.5. These Terms do not create any third-party beneficiary rights.

19. Contact

For questions about these Terms, contact us at:

Email: support@adverseme.com

Website: adverseme.com