Disclaimer

Sentinel FinCrime is an independent financial crime technology platform. It is not affiliated with, endorsed by, authorised by, or acting on behalf of:

• Any bank, credit union, or financial institution
• Any government department or agency
• Any financial intelligence unit or regulatory body, including but not limited to AUSTRAC (Australia), FinCEN (USA), the Financial Conduct Authority (UK), or the European Banking Authority
• Any law enforcement organisation
• Any sanctions body, including the United Nations, OFAC, or the EU Council

References to regulatory frameworks, sanctions lists, or compliance standards are made solely for informational purposes to describe how the platform's detection logic is calibrated. Such references do not imply endorsement, certification, or approval by those bodies.

Sentinel FinCrime is currently in a testing and evaluation phase. This has the following practical implications for users:

• The platform is under active development and features may change, be added, or be removed at any time without notice
• Detection rules, thresholds, and algorithms are being refined and may not reflect final production behaviour
• The accuracy, completeness, and reliability of screening results during the testing phase cannot be guaranteed
• The platform should not be used as a sole or primary compliance mechanism during this phase
• Users are encouraged to provide feedback at support@sentinelfincrime.com to help improve the platform

Sentinel FinCrime is a screening tool. It does not provide legal advice, financial advice, or compliance advice of any kind. No output, result, alert, report, or narrative generated by the platform constitutes or should be treated as advice from a qualified professional.

The platform is designed to assist — not replace — qualified compliance professionals including:

• Money Laundering Compliance Officers (MLCOs)
• AML/CTF compliance specialists and consultants
• Solicitors or barristers with financial crime expertise
• Chartered accountants advising on regulatory obligations

You should always seek independent professional advice for jurisdiction-specific compliance obligations before making decisions based on platform outputs.

Automated transaction monitoring systems, including Sentinel FinCrime, are subject to inherent limitations:

• False positives: The platform may flag transactions or patterns as potentially suspicious when they are not. Users must review all alerts and apply professional judgment before taking any action.
• Missed detections: The platform may not identify all suspicious patterns, transactions, or relationships. No automated system can guarantee detection of all financial crime activity.
• Data quality dependence: The quality of results depends entirely on the accuracy and completeness of the transaction data you provide. Incomplete, mislabelled, or corrupted data will produce unreliable outputs.
• Dynamic risk landscape: Financial crime typologies evolve continuously. Detection rules calibrated to current known patterns may not capture newly emerging methods.

All alerts, risk scores, and reports generated by Sentinel FinCrime should be treated as starting points for investigation — never as definitive conclusions.

Using Sentinel FinCrime does not satisfy or substitute for your regulatory filing obligations. As the reporting entity, you remain solely responsible for:

• Filing Suspicious Matter Reports (SMRs) with AUSTRAC (Australia)
• Filing Suspicious Activity Reports (SARs) with FinCEN (USA)
• Filing Suspicious Activity Reports with the National Crime Agency (UK)
• Filing reports with any other relevant financial intelligence unit in your jurisdiction
• Filing Threshold Transaction Reports (TTRs) or equivalent cash transaction reports
• Conducting Know Your Customer (KYC) and Customer Due Diligence (CDD)
• Maintaining an AML/CTF program compliant with applicable law
• Ensuring staff training on AML/CTF obligations

SAR or SMR drafts generated by Sentinel FinCrime are internal working documents only. They must be reviewed, verified, and formally submitted by your authorised MLCO or compliance officer. Sentinel FinCrime bears no responsibility for any failure to file, late filing, or incorrect filing with any regulator.

To the maximum extent permitted by applicable law, Sentinel FinCrime is provided on an "as is" and "as available" basis without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, or non-infringement.

We do not warrant that:

• The platform will be uninterrupted, error-free, or free from security vulnerabilities
• Sanctions or PEP lists are current, complete, or accurately maintained
• Detection rules comply with the specific requirements of any regulator
• The platform constitutes an adequate AML/CTF program under any law

Sentinel FinCrime is actively developed. We may at any time and without prior notice:

• Change, add, or remove features or functionality
• Update detection rules, thresholds, or scoring algorithms
• Modify pricing or subscription plans
• Discontinue specific features or the platform itself

We will endeavour to provide advance notice of material changes where reasonably practicable, but cannot guarantee this in all circumstances given the active development phase.

The platform or our website may contain references or links to third-party websites, regulatory resources, or external tools. These are provided for informational purposes only. Sentinel FinCrime does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party resource.

References to regulatory bodies, their websites, or their published lists do not imply any official relationship, certification, or approval.

To the maximum extent permitted by applicable Australian law, Sentinel FinCrime and its founders, employees, and agents will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on the platform, including but not limited to regulatory penalties, fines, or enforcement actions taken against you by any authority.

Nothing in this disclaimer excludes liability that cannot be lawfully excluded under the Australian Consumer Law or any other applicable mandatory consumer protection legislation.

For questions about this disclaimer or the platform generally: