Terms of Service

1. Who we are

Cyprus Connect ("the Platform") is operated by Topify Consulting Ltd, a company registered in the Republic of Cyprus under registration no. HE 409159, VAT no. 10409159B, with its registered office at Alkyonis 1, 3087 Limassol, Cyprus ("we", "us"). You can contact us at info@cyprusconnect.net.

2. Definitions

• Customer or you: the firm, company or professional that registers an account, and every person it allows to use that account.
• Admin lawyer or account owner: the person who registered the account on the Customer's behalf and manages its users.
• Users: the account owner, staff members and the Customer's clients invited to the client portal.
• Services: the services described on the Platform, currently Vault, AML & Sanctions screening, GDPR Compliance (ComplyGuard), Hosting and any service added later.
• Customer Content: files, documents, records, names and any other data that Users upload, enter or generate in the Services.
• Credit: prepaid funds held in the Customer's account and used for pay-per-use Services.

3. Eligibility and account approval

You must be a business, a firm or a professional acting in the course of your trade or profession, and the person registering must be authorised to bind the Customer. We approve every account before Services are switched on and may refuse an application without giving reasons. You must give accurate information, keep it up to date, and allow us to verify it.

4. Accounts and security

1. Each User must have their own account. Sharing credentials is not allowed.
2. Every User must sign in with a password and a one-time code. You are responsible for keeping passwords, authenticator devices, Vault passphrases and recovery keys safe.
3. End-to-end encryption. Vault files are encrypted in the User's browser with keys derived from the User's passphrase. We cannot read, recover or decrypt them. If a User loses both their passphrase and their recovery key, the files encrypted for that User cannot be recovered by anyone, including us.
4. The account owner is responsible for creating and removing Users, assigning rights, and removing access when a person leaves the Customer.
5. You must tell us without delay at security@cyprusconnect.net if you suspect unauthorised access to your account.

5. The Services

We provide the Services with reasonable skill and care and in line with the descriptions on the Platform. We may improve, change or withdraw features. If we withdraw a paid Service that you use, we will give at least 30 days' notice where reasonably possible and refund any amount paid in advance for the period after withdrawal.

5.1 Guidance, not advice

Screening results, compliance indicators, website scans, document checks, AI research and any other output are automated tools that help you make your own decisions. They are not legal, regulatory, tax or financial advice, an audit, a certification or a determination of compliance. A possible sanctions match is not proof that a person is sanctioned, and the absence of a match is not proof that they are not. You remain solely responsible for your own legal and regulatory obligations, including customer due diligence under anti-money-laundering law and your obligations under the GDPR.

5.2 Third-party services

Some Services rely on third-party providers, such as identity and screening data providers and the hosting portal at websitehostingportal.com. Their availability and data are outside our control. Hosting accounts ordered through the external hosting portal are also subject to that provider's terms.

5.3 Availability

We aim to keep the Services available at all times but do not guarantee uninterrupted or error-free operation. We may suspend the Services for maintenance, security or legal reasons, and will give advance notice of planned maintenance where we can.

6. Your obligations

1. You must use the Services in accordance with these Terms, the Acceptable Use Policy and all applicable law.
2. You are responsible for Customer Content: for having a lawful basis to process it, for informing the people it concerns, and for its accuracy and legality.
3. You must have the authority of the owner of any website or document you submit to ComplyGuard, and a lawful purpose for every screening you run.
4. You are responsible for keeping your own copies of records you are legally required to retain, such as anti-money-laundering records.

7. Fees, credit and payment

1. Prices are shown on the Platform and exclude VAT, which is added where applicable.
2. Subscription Services (such as Vault and Hosting) are billed monthly in advance according to the plan selected. Vault plans are priced by number of users; you must move to the right plan if your number of users grows.
3. Pay-per-use Services (such as AML & Sanctions screening and ComplyGuard checks) are paid from Credit. A check that fails for a technical reason is automatically refunded to Credit.
4. We may change prices with at least 30 days' notice. Changes do not affect amounts already paid.
5. If payment is overdue, we may suspend paid Services after giving notice. Refunds are governed by the Refund Policy.

8. Data protection

For Customer Content we act as your processor, and the Data Processing Agreement applies. For account, billing and website data we act as controller, as described in our Privacy Policy.

9. Intellectual property

You keep all rights in Customer Content and give us only the licence needed to provide the Services. We and our licensors keep all rights in the Platform, its software, designs, rule libraries and documentation. You may not copy, resell or reverse-engineer the Platform except where the law expressly allows it.

10. Confidentiality

Each party will keep the other party's confidential information confidential and use it only to perform this contract, except where disclosure is required by law or a competent authority.

11. Suspension and termination

1. You may close your account at any time by writing to us. Subscriptions end at the end of the current billing period.
2. We may suspend or terminate your access immediately if you seriously or repeatedly breach these Terms or the Acceptable Use Policy, if required by law or an authority, or to protect the Platform or other customers. Where reasonable, we will give notice and a chance to remedy the breach first.
3. After termination you have 30 days to download your Customer Content. We then delete it within a further 60 days, except where the law requires us to keep it. Encrypted backups are overwritten in their normal cycle.

12. Warranties

Except as expressly stated in these Terms, the Services are provided "as is" and "as available", and to the fullest extent permitted by law we exclude all other warranties, conditions and terms, whether express or implied, including fitness for a particular purpose and that any output will be complete or accurate.

13. Limitation of liability

1. Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, gross negligence or wilful misconduct, the rights of data subjects under Article 82 GDPR, or any other liability that cannot be limited or excluded by law.
2. Subject to clause 13.1, we are not liable for any loss of profit, revenue, business, goodwill or anticipated savings, for loss or corruption of data that could have been avoided by keeping backups or safeguarding passphrases and recovery keys, for decisions you take based on the output of the Services, or for any indirect or consequential loss.
3. Subject to clause 13.1, our total liability arising out of or in connection with these Terms in any 12-month period is limited to the total fees you paid us in that period.

14. Indemnity

You will defend, indemnify and hold harmless Topify Consulting Ltd, its directors, employees and subcontractors against all claims, demands, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or in connection with: (a) Customer Content; (b) your or your Users' breach of these Terms or the Acceptable Use Policy; (c) your or your Users' breach of applicable law, including data protection and anti-money-laundering law; or (d) any claim by a third party, including your clients or the subject of a screening, relating to your use of the Services. We will notify you promptly of any such claim, allow you to control its defence where appropriate, and give reasonable cooperation at your cost. This indemnity does not apply to the extent a claim is caused by our own breach of these Terms.

15. Force majeure

Neither party is liable for failure or delay caused by events beyond its reasonable control, such as natural disasters, war, acts of government, large-scale network or power failures, or attacks on internet infrastructure, provided it takes reasonable steps to limit the effects.

16. Changes to these Terms

We may update these Terms. We will give at least 30 days' notice of material changes by email or in the Platform. If you do not agree, you may close your account before the changes take effect. Continued use after that date means you accept the updated Terms.

17. General

1. You may not transfer this contract without our written consent. We may transfer it to a successor of our business with notice to you.
2. If any provision is found invalid, the rest remains in force.
3. Failure to enforce a right is not a waiver of it.
4. These Terms, together with the documents they refer to, are the entire agreement between the parties about the Services.
5. Notices to us must be sent to info@cyprusconnect.net. Notices to you are sent to the account owner's email address.

18. Governing law and jurisdiction

These Terms and any dispute arising from them are governed by the laws of the Republic of Cyprus. The courts of Limassol, Cyprus have exclusive jurisdiction. Before going to court, the parties will try in good faith to resolve the dispute through our Complaints Procedure.

Topify Consulting Ltd, registration no. HE 409159, VAT no. 10409159B, Alkyonis 1, 3087 Limassol, Cyprus. Contact: info@cyprusconnect.net. If a translation of this document differs from the English version, the English version applies.