Terms of Service

These Terms govern your access to and use of the Certivo Services. By accessing the Services you agree to these Terms. If you use the Services on behalf of an organisation, you represent that you have authority to bind that organisation, and "you" refers to that organisation.

Customer is the organisation that contracts for the Services. End User is an individual whose data is submitted for verification or screening. Services means the Certivo platform, APIs and related tools. Sandbox is the simulated evaluation environment. Order Form is the document recording the subscription, plan and fees. Documentation is our published technical and product guidance.

We make the Services available in accordance with these Terms, the Documentation and any Order Form. Sandbox results are simulated, deterministic test data and must not be relied upon for real onboarding, screening or compliance decisions. Production behaviour and availability are governed by your Order Form and applicable service levels.

You are responsible for maintaining the confidentiality of your credentials and API keys, for all activity under your account, and for configuring appropriate roles and access. You must notify us promptly of any suspected unauthorised use and use reasonable measures to secure your own systems and integrations.

Your use of the Services must comply with our Acceptable Use Policy, which is incorporated into these Terms. Prohibited activities include unlawful use, security circumvention, scraping outside documented APIs, and reliance on sandbox results for real decisions.

As between the parties, you retain all rights in the data you submit, and you grant Certivo a limited licence to process it solely to provide the Services and as instructed under the Data Processing Addendum. Certivo retains all rights in the Services, software and Documentation. If you provide feedback, you grant Certivo a perpetual, royalty-free licence to use it to improve the Services.

Fees, billing frequency and any usage-based charges are set out in your Order Form. Unless stated otherwise, fees are exclusive of taxes, which you are responsible for. Late or unpaid amounts may result in suspension in accordance with these Terms.

The Services rely on third-party providers (for example identity, screening, KYB and email providers) engaged as sub-processors. Our current sub-processors are listed on our Sub-processors page. We remain responsible for their performance of the tasks we delegate to them.

The Sandbox and any evaluation access are provided "as is" and "as available", without warranties of any kind. Production Services are provided under the warranties and service levels stated in your Order Form. To the maximum extent permitted by law, we disclaim all other warranties, express or implied.

To the maximum extent permitted by law, neither party is liable for indirect, incidental or consequential damages, and each party's aggregate liability is limited as set out in the Order Form. Indemnities, if any, are as stated in the Order Form. Nothing limits liability that cannot be limited by law.

These Terms apply for the duration set out in your Order Form. We may suspend access to address a material security risk, unlawful use or non-payment. On termination, access ceases and, at your choice, we delete or return personal data in line with the DPA, subject to legal retention requirements.

Each party will protect the other's confidential information with reasonable care, use it only to perform under these Terms, and disclose it only to personnel and advisers who need it and are bound by comparable obligations.

We may update the Services and these Terms to reflect product, legal or security changes. Material changes to these Terms will be signposted with reasonable notice; continued use after the effective date constitutes acceptance.

These Terms are governed by the laws of [governing law], and disputes are subject to the venue and dispute-resolution mechanism stated in the Order Form or, absent that, our Complaints & Dispute Resolution process. Legal notices to Certivo should be sent to legal@certivo.uk.