Terms & Conditions

These Terms & Conditions (“Terms”) govern access to and use of the FDIW.org cyber‑intelligence platform, including its dashboards, APIs, alerting systems, and any related outputs (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you are acting on behalf of an organisation, you represent that you are authorised to accept these Terms for that organisation.

1. Eligibility and authorised users

FDIW is a specialised platform and is not intended for general consumer use. Access is restricted to:

• Government departments and statutory bodies;
• Law‑enforcement agencies, cybercrime units, and regulators;
• Financial institutions and enterprises with legitimate fraud‑prevention mandates;
• Other entities expressly approved in writing by FDIW.

Individual users (“Authorised Users”) must be invited or approved by an eligible organisation (“Customer”). Customers are responsible for ensuring their Authorised Users comply with these Terms.

2. Accounts, credentials, and security

• You must provide accurate, up‑to‑date information when creating or requesting an account.
• You are responsible for safeguarding your login credentials, MFA tokens, and access devices.
• You must notify FDIW immediately if you suspect unauthorised access, credential compromise, or any security incident related to the Service.
• FDIW may require MFA, IP allow‑listing, or additional security steps as a condition of access.

3. Description of the Service

FDIW provides a combination of:

• Dashboards and visual interfaces for fraud‑risk and cyber‑intelligence analysis;
• APIs and integrations for ingesting data and receiving risk signals;
• Case‑oriented tools for linking entities, events, and behavioural patterns;
• Reports, alerts, heat‑maps, and network‑graph visualisations;
• Supporting documentation, knowledge bases, and training materials.

FDIW may continuously improve, refine, or modify aspects of the Service. Features may be added, changed, or deprecated without prior notice, provided that the core contractual obligations to the Customer are still fulfilled.

4. Licence and permitted use

Subject to these Terms and any applicable Master Services Agreement or Order Form between FDIW and a Customer, FDIW grants the Customer and its Authorised Users a limited, non‑exclusive, non‑transferable, revocable licence to:

• Access and use the Service for internal, lawful, and authorised investigative, analytical, or risk‑management purposes;
• View and export reports, risk scores, and intelligence outputs for use within the Customer’s organisation and permitted external processes;
• Integrate FDIW APIs with internal systems, subject to any technical and rate‑limit constraints.

You may not sublicense, resell, or commercially exploit the Service unless expressly authorised in writing by FDIW.

5. Prohibited activities

You agree that neither you nor any third party acting on your behalf will:

• Reverse‑engineer, decompile, disassemble, or otherwise attempt to derive the source code, models, or underlying methodologies of the Service;
• Bypass or attempt to bypass authentication, access controls, rate limits, or other security measures;
• Use the Service to build or train competing products or services;
• Scrape, harvest, or bulk‑extract data from the Service except via documented, authorised APIs;
• Use the Service in violation of applicable law, including data‑protection, surveillance, financial‑crime, or human‑rights laws;
• Introduce malware, backdoors, exploits, or any code designed to disrupt, damage, or intercept data;
• Misrepresent FDIW outputs as conclusive legal judgments or as evidence without appropriate human review and due process.

6. Customer responsibilities

The Customer is solely responsible for:

• Determining the lawful basis for supplying any personal or case data to FDIW;
• Ensuring that its use of the Service complies with all applicable laws, regulations, internal policies, and court orders;
• Configuring access controls and user permissions within its own environment and within FDIW;
• Reviewing, interpreting, and acting on FDIW outputs — including assessing their suitability for any specific investigation or decision;
• Promptly informing FDIW of any suspected misuse, breach, or non‑compliance by its Authorised Users.

7. Data protection and privacy

Our handling of personal data is described in the FDIW Privacy Policy, which is incorporated into these Terms by reference. Where FDIW acts as a data processor or service provider on behalf of the Customer, the parties may enter into a separate data‑processing agreement (DPA) that will govern such processing in more detail.

8. Fees, billing, and trials

If the Service is provided under a paid plan or commercial agreement:

• Fees, billing cycles, and payment terms are defined in the applicable Order Form or Master Services Agreement;
• Unless otherwise agreed, fees are exclusive of taxes, which remain the responsibility of the Customer;
• FDIW may suspend or limit access to the Service for non‑payment after reasonable notice.

From time to time, FDIW may offer pilot, beta, or evaluation access at reduced or zero cost. Such access is provided “as is”, may be modified or withdrawn at any time, and may be subject to additional terms.

9. Intellectual property

FDIW and its licensors own all rights, title, and interest in and to the Service, including:

• Software, models, algorithms, architectures, and interfaces;
• Design, look‑and‑feel, user experience, and visual assets;
• Documentation, training material, and knowledge content;
• Trademarks, logos, and branding associated with FDIW.

No intellectual‑property rights are granted to you except as expressly set out in these Terms or in a written agreement. All rights not expressly granted are reserved by FDIW.

Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant FDIW a worldwide, perpetual, irrevocable, royalty‑free licence to use and incorporate that feedback without any obligation to you.

10. Third‑party services and content

The Service may interoperate with third‑party tools, data sources, or services (for example, case‑management systems, communication tools, or external databases). FDIW is not responsible for these third‑party services and does not control their content, policies, or reliability. Use of third‑party services is governed by their own terms and policies.

11. Confidentiality

Both FDIW and the Customer may receive non‑public, confidential, or sensitive information from the other party. Each party agrees to:

• Use such information only for the purpose of providing or receiving the Service;
• Protect it with at least the same level of care it uses for its own confidential information (and never less than a reasonable standard of care);
• Not disclose it to third parties except to those with a strict need‑to‑know under binding confidentiality obligations, or as required by law.

These confidentiality obligations survive termination of the relationship.

12. Disclaimers

To the maximum extent permitted by law:

• The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory;
• FDIW does not warrant that the Service will be uninterrupted, error‑free, or immune from unauthorised access or attack;
• FDIW does not guarantee that any specific fraud, crime, or cyber‑attack will be detected, prevented, or mitigated by use of the Service;
• Risk scores, alerts, and intelligence outputs are probabilistic and must be interpreted by qualified professionals before being used in any operational or legal decision.

13. Limitation of liability

To the fullest extent permitted by law, and except for liability that cannot be excluded or limited by law:

• FDIW will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages;
• FDIW’s aggregate liability arising out of or relating to the Service and these Terms will be limited to the total fees paid by the Customer for the Service during the twelve (12) months preceding the event giving rise to the claim (or, if the Service is provided free of charge, a reasonable monetary cap defined in the governing contract).

Different or more specific liability caps and exclusions may be set out in a separate written agreement. In case of conflict, the written agreement prevails.

14. Indemnity

The Customer agrees to indemnify and hold harmless FDIW, its officers, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• The Customer’s or its Authorised Users’ misuse of the Service;
• Any violation of these Terms or of applicable laws;
• The Customer’s processing or provision of data to FDIW without an appropriate lawful basis.

15. Term, suspension, and termination

These Terms apply from the first time you access the Service and continue until:

• Your organisation’s subscription or agreement with FDIW ends; or
• Your account is closed; or
• Your access is otherwise terminated in accordance with these Terms.

FDIW may, with or without prior notice:

• Suspend or restrict access if there is a suspected security threat, misuse, or legal risk;
• Disable individual accounts that violate these Terms;
• Terminate access where required by law, regulation, or contractual obligations.

Upon termination, the Customer’s access to the Service will cease. Data handling post‑termination (including retention and deletion) will be governed by the Privacy Policy, applicable law, and any specific contractual terms.

16. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, are governed by the laws of India, without regard to conflict‑of‑laws principles. Subject to any overriding statutory provisions, the courts of New Delhi, India, will have exclusive jurisdiction.

17. Compliance, export control, and anti‑abuse

• You may not use the Service in violation of applicable export‑control, sanctions, or anti‑money‑laundering laws;
• You may not use the Service to support activities that violate fundamental rights, including unlawful surveillance or persecution;
• FDIW reserves the right to refuse or discontinue service where required to comply with law or its own risk and ethics policies.

18. Changes to these Terms

FDIW may update these Terms from time to time. When we do, we will update the “Last updated” date at the top, and where the changes are material, we will provide reasonable notice (for example via the dashboard or email to administrators). Your continued use of the Service after the effective date of updated Terms constitutes acceptance of those changes.

19. General provisions

• Entire agreement — These Terms, together with any signed agreements or Order Forms, constitute the entire agreement between FDIW and the Customer regarding the Service.
• Severability — If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.
• No waiver — Failure to enforce any provision is not a waiver of that provision or any other provision.
• Assignment — You may not assign or transfer your rights under these Terms without FDIW’s prior written consent. FDIW may assign its rights and obligations as part of a merger, acquisition, or other corporate transaction.
• Notices — Notices may be delivered by email, via the dashboard, or as otherwise specified in a written agreement.

If you have questions about these Terms, please contact support@fdiw.org.