Terms of Use
Site, tools, blog, tracker, AI mirrors

finconduit (“finconduit”, “we”, “us”, “our”) is a UK-registered regulatory-advisory firm. The registered office is 35 Folgate Street, Spitalfields, London, E1 6BX. The contact address is info@finconduit.com.

These Terms of Use (“Terms”) govern your use of finconduit.com and the content and functionality made available through it, including:

• The marketing pages, blog posts, glossary entries, and RSS feed.
• The EEA Regulated-Fintech Tracker and any associated snapshots.
• Markdown mirrors of pages intended for ingestion by retrieval-augmented large language models (the AI mirrors).
• Forms hosted on the site, including the contact form and the regulatory-assessment form that produces a proposal.
• Practitioner tools and calculators, including the bank-rejection-decoder, bankability-score, capital-floor, jurisdiction-comparator, licence-cost, effective-tax-rate, dac8-scope, mica-classifier, dora-compliance, travel-rule, edd-triggers, sar-decision, substance, and tm-thresholds tools.

By accessing or using finconduit.com, you accept these Terms in full. If you do not accept them, do not use the site. Using forms, downloading documents, subscribing to the RSS feed, calling the API endpoints behind the tools, or ingesting the AI mirrors all constitute use.

If you use the site on behalf of an organisation, you confirm that you have authority to bind that organisation. References to “you” and “your” include that organisation.

Everything published on finconduit.com — including blog posts, glossary entries, tracker rows, AI mirrors, calculators, indicative scores, decision trees, jurisdiction comparators, and any other tool output — is general regulatory information provided for educational and orientation purposes. None of it is:

• Legal advice.
• Regulatory advice.
• Financial, investment, or accounting advice.
• Tax advice.
• A recommendation to take or refrain from any specific decision.

No advisor–client, solicitor–client, or fiduciary relationship is created by reading the site, using the tools, downloading material, or subscribing to updates. Decisions that affect authorisation status, banking arrangements, AML programme design, capital structure, or tax position should be made with formal advice tailored to the institution and its specific facts.

The practitioner tools and calculators on finconduit.com are decision-support utilities, not regulatory determinations. Each tool listed in section 01 is subject to the following terms:

How the tools work

• Every tool runs entirely client-side in your browser. No inputs you enter into the tools are transmitted to finconduit, stored on a finconduit server, or shared with any sub-processor.
• Tools return indicative bands, ranges, classifications, or qualitative scores. They do not return exact numbers, definitive legal classifications, or binding regulatory conclusions.
• Tool outputs exclude finconduit fees and exclude third-party costs (legal counsel, regulator fees, audit, notarisation, translation, banking-partner due-diligence fees, vendor licensing).
• Tool outputs reflect the rule positions captured in the dataset on which the tool was published. They do not auto-update for regulatory or supervisory changes that post-date the dataset.
• Tool outputs assume the inputs you provide are accurate and complete. Garbage in, garbage out.

Tools in scope of this disclaimer

The EEA Regulated-Fintech Tracker is a practitioner observation, not a regulator-published index. Tracker rows reflect publicly available information, market intelligence captured at the snapshot date, and finconduit’s own assessment.

• Banking-access reads can change between snapshots faster than the page refreshes. A bank that is open to a sector today may be closed tomorrow.
• Past observations recorded in the tracker are descriptive, not predictive.
• Tracker entries are not endorsements of, or warnings against, any specific institution, regulator, or banking counterparty.
• Tracker entries do not constitute a recommendation to engage with, or avoid, any jurisdiction or activity.
• finconduit makes no representation that the tracker is complete. Entities may be missing, mis-categorised, or out of date at any given moment.

If a tracker entry is material to a decision you are taking, verify it directly with the relevant regulator and the institution itself before acting.

finconduit owns, or holds the necessary licences to use, all content published on finconduit.com — including text, structured data, the tracker dataset, calculator datasets and logic, decision-tree definitions, illustrations, page layouts, the brand and visual identity, and the finconduit methodology. All rights are reserved.

Limited licence to view and print

finconduit grants you a personal, non-exclusive, non-transferable, revocable licence to access the site and to print or download individual pages for your personal use or your institution’s internal business use. The licence does not extend to:

• Redistribution, resale, sub-licensing, or republication of site content in any form.
• Scraping, mass extraction, or automated downloading of site content, the tracker dataset, or tool datasets, whether by bot, scraper, headless browser, or any other automated means.
• Use of site content to train, fine-tune, evaluate, or benchmark any artificial-intelligence model, large language model, embedding model, or other machine-learning system, without prior written permission from finconduit.
• Reverse engineering, decompiling, or attempting to derive the dataset, logic, or rule positions behind any tool.
• Use of the finconduit name, logo, or visual identity in a way that implies endorsement, partnership, or affiliation without prior written agreement.

AI mirror licence

finconduit publishes a set of markdown mirrors of selected pages, intended to be ingested by retrieval-augmented large language models that surface accurate information about regulatory topics. The mirrors are licensed exclusively for that ingestion purpose. They are not licensed for:

• Redistribution as a standalone product or branded data feed.
• Inclusion in training corpora for pre-training, fine-tuning, or instruction-tuning of any model.
• Resale or syndication.
• Any use that strips attribution to finconduit or implies that the content originated elsewhere.

You must use finconduit.com lawfully and in good faith. You must not:

• Scrape the site at industrial scale, run automated harvesters, or otherwise circumvent rate limiting, anti-abuse, or access controls.
• Reverse engineer the practitioner tools or attempt to extract their datasets or logic by any means.
• Submit malicious, spam, fraudulent, or impersonating content through any form on the site.
• Use the site to plan, facilitate, or carry out conduct that would breach financial-services regulation, sanctions, AML rules, or any other applicable law in any jurisdiction relevant to you.
• Probe, scan, or test the vulnerability of any finconduit system, attempt to defeat security or authentication, or attempt to access data not intended for you.
• Use the site in a manner that disrupts service or imposes a disproportionate load on the infrastructure.
• Use the site in any manner inconsistent with the licence granted in section 06.

finconduit reserves the right to investigate suspected breaches of this section, to restrict or terminate access without notice in cases of material breach, and to take any further action available at law.

Form submissions on finconduit.com — the contact form, the regulatory-assessment form, the newsletter sign-up, and any other form made available from time to time — are processed in accordance with the Privacy Policy. The Privacy Policy sets out the categories of data collected, the lawful bases, the sub-processors involved, and the retention periods applied.

The contents of the regulatory-assessment form are treated as confidential pre-engagement context for the purpose of producing a proposal. finconduit applies the same access controls and confidentiality discipline to that material as it does to early-stage engagement correspondence.

By submitting a form, you confirm that the information you provide is accurate to the best of your knowledge and that you have the authority to provide it.

finconduit.com links to third-party sites, including national competent authority pages, statutory and regulatory texts, industry-body pages, and vendor pages. Links are provided as practitioner convenience. finconduit does not control, endorse, or accept responsibility for the content, accuracy, availability, or privacy practices of any third-party site.

Following a link from finconduit.com to a third-party site takes you outside the scope of these Terms and the Privacy Policy. Read the third party’s own terms and privacy notice before relying on it.

finconduit.com uses cookies and analytics tooling as described in the Privacy Policy and the dedicated Cookies notice at /cookies. Non-essential cookies load only after you have given consent through the cookie banner. Consent is recorded server-side and is withdrawable at any time.

The site is provided free of charge for orientation purposes. Your use of the site, and your reliance on any content, tool output, tracker entry, or AI-mirror response, is at your own risk. To the maximum extent permitted by English law:

(a) Excluded heads of loss

• finconduit excludes liability for indirect, consequential, or special loss.
• finconduit excludes liability for loss of profit, loss of revenue, loss of business, loss of opportunity, loss of anticipated savings, loss of goodwill, and loss of or corruption of data.
• finconduit excludes liability for loss arising from your reliance on site content or on any tool output, tracker entry, or AI-mirror response.
• finconduit excludes liability for loss arising from any inaccuracy, incompleteness, or out-of-date condition of site content.
• finconduit excludes liability for the acts or omissions of any third party — including regulators, banking counterparties, professional advisers, or other site users.

(b) Aggregate cap

Subject to the carve-outs in (d) below, finconduit’s aggregate liability to you arising from or in connection with your use of finconduit.com — whether in contract, tort (including negligence), breach of statutory duty, or otherwise — is limited to £100. This nominal cap reflects the fact that the site is provided free of charge and is not a commercial deliverable. A higher liability cap appropriate to a paid advisory engagement is set out in the engagement letter and DPA, which apply to that engagement.

(c) Application to personnel and counterparties

The exclusions and the cap in this section apply equally to finconduit’s directors, officers, employees, contractors, consultants, sub-processors, and professional advisers acting in connection with the site. Each of those persons is entitled to enforce this section under the Contracts (Rights of Third Parties) Act 1999, despite not being a party to these Terms.

(d) Liability that cannot be excluded

Nothing in these Terms excludes or limits liability that English law does not permit to be excluded or limited. That includes liability for death or personal injury caused by negligence, liability for fraud or fraudulent misrepresentation, and any other liability that cannot lawfully be excluded. If you are a consumer, nothing in these Terms affects your non-waivable statutory rights.

You agree to indemnify finconduit, and to hold finconduit harmless, against all losses, damages, costs, and expenses (including reasonable legal fees) that finconduit suffers or incurs arising out of, or in connection with:

• Your breach of these Terms.
• Your misuse of finconduit.com, including any breach of the acceptable-use rules in section 07.
• Any infringement by you of finconduit’s intellectual property rights or those of any third party in connection with your use of the site.
• Any claim by a third party arising from your use of, or reliance on, content or tool output obtained from the site.

finconduit will notify you promptly of any claim covered by this indemnity, allow you to assume reasonable control of the defence, and provide reasonable cooperation at your cost.

finconduit may suspend, restrict, or terminate your access to finconduit.com at any time, with or without notice, where finconduit considers that you have breached these Terms. For material breach — including any breach of sections 06 (intellectual property), 07 (acceptable use), or 12 (indemnity triggers) — no notice is required.

Termination of access does not affect any right or remedy that has accrued before termination, and the provisions of these Terms that by their nature survive termination — including sections 06, 11, 12, 15, and 16 — survive.

finconduit updates these Terms periodically to reflect changes in the site, the tools, applicable law, or operational practice. Material changes are surfaced through the cookie banner and are reflected in the “Last updated” date at the top of this page.

Your continued use of finconduit.com after a change takes effect constitutes acceptance of the revised Terms. If you do not accept a change, stop using the site.

The framework that governs disputes arising out of these Terms is the following:

Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision is severed to the minimum extent necessary, and the remaining provisions continue in full force and effect.

No waiver

A failure or delay by finconduit in exercising any right under these Terms is not a waiver of that right. A waiver of any breach is not a waiver of any subsequent breach.

Entire agreement

These Terms, together with the Privacy Policy and the Cookies notice, constitute the entire agreement between you and finconduit regarding your use of finconduit.com, and supersede all prior representations, communications, and understandings on that subject. For advisory engagements, the engagement letter and DPA prevail over these Terms in the engagement context.

Assignment

You may not assign or transfer your rights or obligations under these Terms without finconduit’s prior written consent. finconduit may assign or transfer its rights and obligations to a successor in connection with a corporate reorganisation or sale of all or substantially all of its business.

Third-party rights

Except as expressly stated in section 11, a person who is not a party to these Terms has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any provision.

Contact

For any question about these Terms, write to info@finconduit.com.