CREED FINANCIAL CRIMES COMPLIANCE FIRM MASTER TERMS & CONDITIONS OF USE AND SERVICE
Effective Date: 6/23/2025
1 | DEFINITIONS
Term
Term Meaning
“Creed,” “we,” “our,” “us”
“Creed,” “we,” “our,” “us” Creed Financial Crimes Compliance Firm, its parents, subsidiaries, and affiliates.
“Site(s)”
creedfinancialcrimescompliancefirm.com, all sub-domains, portals, mobile applications, and any digital or offline resource that links to these Terms.
“Service(s)”
“Service(s)” All consulting, advisory, audit, investigation, training, litigation-support, software, documentation, reports, and any ancillary deliverables provided by Creed.
“User,” “you,” “your”
“User,” “you,” “your” Any individual or entity that accesses the Sites or engages Creed to perform Services, including employees, agents, representatives, and end-clients.
“Agreement”
These Terms & Conditions, the Privacy Policy, Cookie Policy, any Statement of Work (“SOW”), Order Form, Master Service Agreement (“MSA”), Non-Disclosure Agreement (“NDA”), or other document expressly incorporated by reference.
2 | SCOPE & ACCEPTANCE
2.1 Binding Contract. By accessing the Sites or executing an Order, you agree to be bound by this Agreement.
2.2 Hierarchy. If any conflict arises, the following order of precedence applies: (i) executed SOW or Order Form; (ii) MSA or Engagement Letter; (iii) these Terms; (iv) policies referenced herein.
2.3 Updates. Creed may revise these Terms periodically. Material changes will be announced via in-Site notice or email. Continued use after the Effective Date constitutes acceptance.
3 | ELIGIBILITY & COMPLIANCE
3.1 You represent that you (a) are at least 18 years old; (b) have authority to bind any entity on whose behalf you use the Services; (c) are not located in a country or on a sanctions list that prohibits engagement with U.S. entities; and (d) are not barred from receiving Services under applicable law.
3.2 Regulated Data. You shall not provide Creed with personal data subject to special legal regimes (HIPAA, ITAR, PCI-DSS, classified information, etc.) unless expressly agreed in writing.
4 | CREED’S SERVICES
4.1 Professional Standard. Creed will perform Services in a workmanlike manner, consistent with industry best practices, using personnel with appropriate expertise.
4.2 No Legal Advice. Unless an engagement letter expressly states otherwise, Creed is not a law firm and does not provide legal advice; deliverables are for informational purposes only.
4.3 Client Materials. You grant Creed a non-exclusive, royalty-free license to use data, documents, trademarks, and other materials you supply solely to perform Services.
4.4 Change Requests. Material scope changes require a written, mutually signed change order.
5 | USER OBLIGATIONS
5.1 Accurate Information. You must provide complete, truthful, and up-to-date information.
5.2 Access & Cooperation. Timely cooperation, data feeds, and decision-maker availability are essential; delays may impact timelines and fees.
5.3 Compliance. You remain solely responsible for complying with all laws and regulations applicable to your business, including AML/CTF, sanctions, export controls, data privacy, and financial-services rules.
6 | FEES, EXPENSES & PAYMENT TERMS
6.1 Fees. Fees are set out in the relevant Order Form or SOW and are exclusive of taxes, duties, and government charges.
6.2 Invoices & Payment. Unless otherwise stated, invoices are due net 30 days from invoice date. Late payments accrue interest at 5% per month or the maximum allowed by law, whichever is lower.
6.3 Expenses. Client shall reimburse out-of-pocket travel, lodging, filing, and data-vendor costs pre-approved in writing.
6.4 Suspension for Non-Payment. Creed may suspend Services or withhold deliverables upon overdue amounts exceeding 15 days past due, without waiving other remedies.
7 | INTELLECTUAL PROPERTY
7.1 Creed IP. All methodologies, software, templates, and know-how created or used by Creed (“Creed Materials”) are and remain Creed’s exclusive property.
7.2 Deliverables. Upon full payment, Creed grants you a worldwide, non-exclusive, non-transferable license to use final deliverables internally for the purpose specified in the SOW.
7.3 Restrictions. You may not resell, sublicense, reverse-engineer, or create derivative works of Creed Materials without prior written consent.
8 | CONFIDENTIALITY
8.1 Each party (“Disclosing Party”) may share non-public information with the other (“Receiving Party”). Receiving Party must: (a) use it solely to perform or receive Services; (b) protect it with reasonable care; (c) not disclose it to third parties except as permitted by the Agreement or required by law.
8.2 Exclusions: information that is publicly available, already known, rightfully obtained from a third party, or independently developed without reference to the Confidential Information.
8.3 Compelled Disclosure: Receiving Party may disclose if legally compelled, provided it gives prompt notice (where lawful) and cooperates to obtain protective treatment.
9 | DATA PROTECTION & PRIVACY
9.1 Creed processes personal information as described in its Privacy Policy and Cookie Policy.
9.2 If Creed acts as a Processor on your behalf, a Data Processing Addendum (“DPA”) incorporating Standard Contractual Clauses (where applicable) will govern such processing.
10 | SECURITY
Creed implements technical and organizational measures aligned with ISO 27001 and NIST SP 800-53 to protect data against unauthorized access, alteration, and destruction. No system is impervious; you acknowledge residual risk.
11 | DISCLAIMERS
11.1 No Warranty. Except as expressly stated, the Sites and Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, or error-free operation.
11.2 Third-Party Content. Creed is not responsible for third-party websites, software, or data sources referenced or linked within deliverables.
12 | LIMITATION OF LIABILITY
12.1 Cap. Creed’s aggregate liability under this Agreement shall not exceed the total fees paid by you to Creed for the specific Services giving rise to the claim during the 12-month period preceding the event.
12.2 Exclusion. Neither party is liable for indirect, consequential, punitive, special, or incidental damages, including lost profits, data, or business interruption, even if advised of the possibility.
12.3 Essential Purpose. The foregoing limitations form an essential basis of the bargain and apply to the maximum extent permitted by law.
13 | INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Creed and its officers, directors, employees, and agents from any third-party claim, demand, loss, or damage arising out of (a) your misuse of the Services, (b) violation of laws or regulations, or (c) infringement of intellectual-property or privacy rights.
14 | ANTI-CORRUPTION, SANCTIONS & EXPORT CONTROLS
14.1 Each party shall comply with the U.S. Foreign Corrupt Practices Act, UK Bribery Act, and all applicable anti-bribery laws.
14.2 You confirm you are not on any restricted party list (OFAC SDN, EU Consolidated, UN sanctions, etc.) and will not cause Creed to contravene sanctions.
14.3 Services, software, and technical data may be subject to export-control laws; you agree not to export or re-export in violation thereof.
15 | FORCE MAJEURE
Neither party is liable for failure or delay due to causes beyond reasonable control, including natural disasters, war, terrorism, cyber-attacks, strikes, pandemics, or governmental action, provided it uses reasonable efforts to mitigate.
16 | TERM & TERMINATIONv
16.1 Term. These Terms remain in effect while you access the Sites or until all SOWs have expired or terminated.
16.2 Termination for Convenience. Either party may terminate an SOW with 30 days’ written notice, unless the SOW states otherwise.
16.3 Termination for Cause. Either party may terminate immediately if the other materially breaches and fails to cure within 15 days of notice.
16.4 Effect. Upon termination, all outstanding fees become due; Sections 7, 8, 11-14, 19 remain in force.
17 | GOVERNING LAW & DISPUTE RESOLUTION
17.1 Governing Law. This Agreement is governed by the laws of the State of Mayland, USA, without regard to conflict-of-laws principles.
17.2 Amicable Resolution. Parties shall first attempt good-faith negotiation for 30 days.
17.3 Arbitration. Unresolved disputes shall be finally settled by binding arbitration under the JAMS Comprehensive Rules in New York City, before one arbitrator, in English. Judgment may be entered in any court of competent jurisdiction.
17.4 Injunctive Relief. Either party may seek emergency or injunctive relief in court to protect Confidential Information or intellectual property.
17.5 Class Waiver. Disputes may be resolved only on an individual basis; class actions are waived.
18 | NOTICES
Notices must be in writing and deemed given when (i) delivered by hand with signed receipt; (ii) sent by nationally recognized overnight courier with tracking; (iii) emailed to an authorized representative with confirmation of receipt; or (iv) posted by Creed on the Sites (for updates to policies).
• Creed Notice Address:
Creed Financial Crimes Compliance Firm
Email: info@creedfinancialcrimescompliancefirm.com
19 | MISCELLANEOUS
19.1 Independent Contractors. The parties are independent contractors; nothing creates a partnership, joint venture, or employment relationship.
19.2 Assignment. Neither party may assign rights or delegate obligations without written consent, except to an affiliate or successor in merger or asset sale.
19.3 Severability. If any provision is unenforceable, the remainder will continue in full force, and the invalid provision will be replaced with a valid one that most closely reflects the original intent.
19.4 Waiver. Failure to enforce any right is not a waiver of future enforcement.
19.5 Entire Agreement. This Agreement constitutes the entire understanding and supersedes all prior or contemporaneous discussions related to the subject matter.
19.6 Survival. Clauses concerning fees, confidentiality, IP, disclaimers, limitation of liability, indemnity, and dispute resolution survive termination.
19.7 Headings. Headings are for convenience only and have no legal effect.
19.8 Electronic Signatures. Electronic signatures and counterparts executed via DocuSign or similar service are binding as originals.
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