Terms of Use

By accessing or using the Sentinel FinCrime platform ("the Platform"), you agree to be bound by these Terms of Use ("Terms"). If you are accessing the Platform on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms.

If you do not agree to these Terms, you must not use the Platform. Your continued use of the Platform after any updates to these Terms constitutes acceptance of the updated version.

Sentinel FinCrime is an independent financial crime technology platform founded by Kiruthika Nithyanand. We provide browser-based transaction monitoring and compliance screening tools designed to assist compliance teams, financial institutions, law firms, accounting practices, and other regulated entities in identifying potentially suspicious financial activity.

Our platform is accessible at sentinelfincrime.com.

Sentinel FinCrime is not affiliated with, endorsed by, or acting on behalf of any government, regulatory authority, law enforcement agency, or financial institution.

The Platform is currently in a testing and evaluation phase.

During this phase, the following conditions apply:

• Platform features may be incomplete, modified, or withdrawn at any time without notice
• Screening results, alerts, and reports generated by the Platform may contain inaccuracies, false positives, or false negatives
• All results produced by the Platform during the testing phase must be independently verified by a qualified compliance professional before any reliance
• We actively welcome feedback from early users at support@sentinelfincrime.com
• Pricing and plan structures may change before general availability

Despite the testing status, these Terms and our Privacy Policy remain fully in force. The testing phase does not limit or reduce any user obligations set out in these Terms.

You must be at least 18 years of age to create an account and use the Platform. By registering, you represent that you are 18 or over and have the legal capacity to enter into a binding agreement.

The Platform is intended for use by businesses and compliance professionals. By registering with a company name and business email, you represent that you are using the Platform for legitimate professional or business compliance purposes.

To access most features of the Platform, you must create an account. When registering, you agree to:

• Provide accurate, current, and complete information about yourself and your organisation
• Maintain the accuracy of your account information and update it as needed
• Keep your password confidential and not share your account credentials with others
• Notify us immediately at support@sentinelfincrime.com if you become aware of any unauthorised use of your account

You are responsible for all activity that occurs under your account. We are not liable for any loss or damage arising from your failure to maintain the security of your credentials.

You may use the Platform only for lawful purposes and in accordance with these Terms. You agree to use the Platform solely to support your own or your organisation's legitimate compliance obligations.

You acknowledge that transaction files you process through the Platform are handled entirely within your browser using client-side processing. Transaction files are never transmitted to our servers. You remain solely responsible for the lawful collection and handling of any data you load into the Platform.

The following activities are strictly prohibited when using the Platform:

• Using the Platform for any unlawful purpose or in violation of any applicable law or regulation
• Attempting to reverse engineer, decompile, disassemble, or extract the source code or underlying algorithms of the Platform
• Reselling, sublicensing, or commercially exploiting the Platform without express written authorisation from us
• Uploading malicious code, viruses, or data designed to interfere with or damage the Platform or other users
• Attempting to circumvent, disable, or bypass rate limits, API restrictions, or security measures
• Scraping, harvesting, or systematically extracting data from the Platform without authorisation
• Impersonating any person or entity or misrepresenting your affiliation with any organisation
• Using the Platform to facilitate actual financial crime, money laundering, or terrorist financing

We reserve the right to suspend or terminate any account engaged in prohibited activities without prior notice or refund.

All intellectual property in the Platform — including source code, algorithms, detection models, user interface design, documentation, and trademarks — is owned by Sentinel FinCrime or its licensors. Nothing in these Terms transfers ownership of any intellectual property to you.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your internal compliance purposes during the term of your active subscription or free plan access.

You may not copy, reproduce, modify, distribute, or create derivative works based on the Platform without our express written consent.

You retain full ownership of all data you input into or process through the Platform. We do not claim any intellectual property rights over your data.

Transaction files you process through the Platform are handled entirely client-side within your browser and are never transmitted to or stored on our servers. You are responsible for ensuring you have the necessary authority and any required consents to process any data through the Platform in compliance with applicable privacy laws.

For full details on how we handle your personal information, please read our Privacy Policy.

This Platform is a screening tool only — not legal, financial, or compliance advice.

Not a compliance guarantee: Using Sentinel FinCrime does not, by itself, satisfy your AML/CTF compliance obligations under any applicable law or regulation. The Platform is a screening aid to assist qualified compliance professionals. It is not a substitute for a qualified Money Laundering Compliance Officer (MLCO), compliance lawyer, or AML/CTF specialist.

Regulatory obligations remain with you: Your obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Australia), the Bank Secrecy Act (USA), the Money Laundering Regulations 2017 (UK), the EU AML Directives, or any other applicable regulatory framework remain entirely with you as the reporting entity. Filing obligations with AUSTRAC, FinCEN, the FCA, the NCA, or other regulators are your sole responsibility.

Testing phase — results must be verified: As the Platform is currently in a testing and evaluation phase, all screening results, alerts, and reports should be independently verified by a qualified compliance professional before any action is taken. The Platform may produce false positives or fail to detect certain patterns. No result should be relied upon as definitive or conclusive.

No warranty: To the maximum extent permitted by law, the Platform is provided "as is" without warranty of any kind. We do not warrant that screening results are complete, accurate, or up to date, or that the Platform will detect all suspicious patterns or transactions.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE AUSTRALIAN LAW, SENTINEL FINCRIME'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER THESE TERMS OR IN CONNECTION WITH THE PLATFORM WILL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) AUD $500.

WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS LIMITATION DOES NOT APPLY TO LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER AUSTRALIAN LAW, INCLUDING CONSUMER GUARANTEES UNDER THE AUSTRALIAN CONSUMER LAW.

You agree to indemnify, defend, and hold harmless Sentinel FinCrime and its founders, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

• Your use of the Platform in violation of these Terms
• Your violation of any applicable law or regulation
• Your processing of data through the Platform without lawful authority
• Any regulatory penalty, fine, or enforcement action taken against you as the reporting entity

By you: You may cancel your subscription and close your account at any time from the Settings page. Cancellation is effective at the end of the current billing period. See our Refund Policy for applicable refund conditions.

By us: We may suspend or terminate your access to the Platform at any time with immediate effect if you breach these Terms, fail to pay applicable fees, or if we reasonably determine that continued access presents a legal or security risk.

Upon termination, your access ceases immediately. Your data will be retained for 30 days to allow export, after which it will be permanently deleted in accordance with our Privacy Policy.

These Terms are governed by and construed in accordance with the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales for the resolution of any disputes.

Informal resolution first: Before commencing any formal legal proceedings, you agree to contact us at support@sentinelfincrime.com to attempt to resolve the dispute informally. We will respond within 14 days. If the dispute remains unresolved after 30 days, either party may refer the matter to mediation through the Australian Disputes Centre prior to litigation.

Nothing in this clause prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction.

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

For questions, notices, or concerns relating to these Terms of Use, please contact us at: