Terms of Service

Last updated: October 2026

1. Service Definition

Noctula Risk Intelligence Limited, a company registered in England and Wales (company number 17550647) with its registered office at 128, City Road, London, EC1V 2NX, UNITED KINGDOM ('Noctula', 'we', 'us', 'our'), provides a SaaS platform for financial institutions offering KYC/AML compliance, fraud detection, sanctions screening, and risk analytics.

2. License and Access

During the paid subscription period, access and usage rights to the platform are granted. The license includes a specific number of users, transaction volume, and module access based on the subscription plan.

3. Data Processing and Security

Customer data is protected with AES-256 encryption (at rest) and TLS 1.3 (in transit) under Zero-Trust architecture. Noctula never shares, sells, or rents customer data to any third party.

4. Usage Restrictions

Customer agrees to use the platform only for lawful purposes and in accordance with applicable laws/regulations. Reverse engineering, copying source code, or distributing any part of the platform is prohibited.

5. SLA and Availability

Enterprise plans include a 99.9% uptime SLA. Maintenance windows are notified at least 72 hours in advance. Multi-region deployment is available for continuous service.

6. Pricing and Payment

Pricing is specified in the subscription agreement. Annual payments receive discounts. Late payments may result in service suspension. Billing is in USD or EUR.

7. Intellectual Property

The platform, algorithms, models, documentation, and all related intellectual property rights belong to Noctula Risk Intelligence Limited. Customer retains rights to their own data and platform outputs (reports, alerts).

8. Limitation of Liability

Noctula shall not be liable for indirect, incidental, consequential, or punitive damages. Total liability is limited to subscription fees paid in the preceding 12 months.

9. Termination

Either party may terminate for material breach with 30 days written notice. Upon termination, customer data is delivered in standard formats (JSON, CSV, PDF) within 90 days and deleted from Noctula systems.

10. Governing Law and Dispute Resolution

This agreement is governed by the laws of England and Wales. Disputes shall be resolved by the courts of England and Wales. For international customers, LCIA arbitration rules may apply.

11. Changes

Noctula may update these terms. Material changes will be announced at least 30 days in advance via email and/or in-platform notification. Continued use after changes take effect constitutes acceptance.

12. Contact

For questions about these terms: support@noctula.org