Terms of Service

By creating an account, accessing, or using the Certivus platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you are using the Services on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

If you do not agree to these Terms, you must not access or use our Services.

Certivus provides anti-money laundering (AML) compliance software designed for accountants and professional services firms. Our Services include:

• Client identity verification and document collection
• PEP (Politically Exposed Persons) and sanctions screening
• Risk assessment and scoring tools
• Audit-ready compliance reports
• Integration with third-party accounting software
• Secure data storage and management

We reserve the right to modify, suspend, or discontinue any part of the Services at any time, with reasonable notice where practicable.

As a user of Certivus, you agree to:

• Provide accurate and complete information when creating your account
• Maintain the security and confidentiality of your login credentials
• Use the Services only for lawful purposes and in compliance with applicable AML regulations
• Ensure you have appropriate consent to process client data through our platform
• Not attempt to access, tamper with, or use non-public areas of the platform
• Not use the Services to transmit malicious code or interfere with platform operations
• Promptly notify us of any unauthorised access to your account

You are responsible for all activities that occur under your account.

Subscription Plans: Access to the Services requires a paid subscription, except for our free tier. Subscription fees are charged in advance on a monthly or annual basis.

Payment Methods: We accept payment via credit/debit card (Visa, Mastercard, Amex) through our payment processor, Stripe. Annual plans may also be paid by UK bank transfer.

Billing: Your subscription will automatically renew at the end of each billing period unless cancelled. You authorise us to charge your payment method for recurring fees.

Price Changes: We may change our prices with at least 30 days' notice. Price changes will apply to your next billing cycle after the notice period.

Refunds: We offer a 14-day money-back guarantee for new subscriptions. After this period, fees are non-refundable except as required by law.

Taxes: All prices are exclusive of VAT, which will be added where applicable.

Our IP: The Certivus platform, including all software, designs, text, graphics, and other content, is owned by Certivus Ltd and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Services during your subscription.

Your Data: You retain all rights to the data you submit to the platform. By using our Services, you grant us a licence to process your data solely to provide the Services.

Feedback: If you provide feedback or suggestions about our Services, we may use this feedback without obligation to you.

Restrictions: You may not copy, modify, distribute, sell, or lease any part of the Services, nor may you reverse engineer or attempt to extract source code.

Service Availability: We strive to maintain high availability but do not guarantee uninterrupted access. The Services are provided "as is" without warranties of any kind.

Exclusion of Damages: To the maximum extent permitted by law, Certivus shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunities.

Liability Cap: Our total liability for any claims arising from these Terms or your use of the Services shall not exceed the amount you paid to us in the 12 months preceding the claim.

Compliance Responsibility: While Certivus provides tools to support AML compliance, you remain solely responsible for your regulatory obligations. We do not provide legal advice.

Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

Termination by You: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period.

Termination by Us: We may suspend or terminate your access if you breach these Terms, fail to pay fees, or engage in conduct that harms our platform or other users.

Effect of Termination: Upon termination, your right to access the Services ends. You may request export of your data within 30 days of termination. After this period, we may delete your data in accordance with our retention policies.

Survival: Provisions relating to intellectual property, limitation of liability, and dispute resolution survive termination.

Governing Law: These Terms are governed by and construed in accordance with the laws of England and Wales.

Informal Resolution: Before initiating formal proceedings, we encourage you to contact us to resolve any disputes informally. Please email legal@certivus.com.

Jurisdiction: Any legal proceedings shall be brought exclusively in the courts of England and Wales.

Time Limit: Any claim arising from these Terms must be brought within one year of the cause of action arising.

We may update these Terms from time to time. When we make material changes, we will:

• Post the updated Terms on our website
• Update the "Last updated" date at the top of this page
• Notify you by email at least 30 days before changes take effect

Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services and cancel your subscription.