Terms of Use. Clear rules for our platform.

By accessing or using the Guardline platform, the Customer and its Users represent that they have read, understood, and fully accepted these Terms of Use.

If the Customer or User does not agree with any provision of these Terms, they must immediately stop using the platform.

Acceptance of these Terms is a prerequisite for access to the Services.

Guardline provides a RegTech platform aimed at financial institutions across Latin America, composed of the ONP (onboarding), FPP (fraud prevention), AML (anti-money laundering), and CMP (case management) products.

The Services are delivered as SaaS, with access through APIs and web dashboards, subject to the scope defined in the commercial agreement.

Guardline may evolve, update, or discontinue Platform features, always aiming to maintain or improve the level of the contracted Services.

The Platform is intended exclusively for institutions duly authorized to operate in the markets where they act — banks, fintechs, insurers, payment institutions, and similar operators.

Users must be of legal age, have legal capacity, and act on behalf of the Customer in a professional capacity.

Guardline may request evidence of eligibility at any time.

The Platform, its source code, analytical models, trademarks, technical documentation, and other elements are the exclusive property of Guardline or its licensors.

Guardline grants the Customer a limited, non-exclusive, non-transferable, and revocable license to use the Platform solely during the term of the agreement and within the limits set out therein.

Reproduction, distribution, sublicensing, or creation of derivative works without Guardline’s prior written consent is prohibited.

Availability, response-time, and support indicators are defined in the commercial agreement and in any applicable SLA schedule.

Scheduled maintenance windows will be communicated with reasonable advance notice through official channels.

Emergency maintenance may be performed without prior notice whenever necessary to preserve Platform security or integrity.

Amounts, billing methods, and invoicing cycles are defined in the commercial agreement signed with the Customer.

Applicable taxes, withholdings, and legal charges are borne in accordance with applicable law.

Late payment may result in interest, monetary adjustment, penalties, and suspension of the Services, as provided in the agreement.

The parties agree to keep confidential all information they access as a result of the engagement.

The confidentiality obligation remains in force during the term of the agreement and for any additional periods set out therein.

Information already in the public domain, lawfully obtained from third parties, or disclosed under legal or regulatory requirements is not considered confidential.

Guardline processes personal data in accordance with applicable data protection laws of the jurisdictions in which it operates.

Details about collection, purposes, legal bases, sharing, and data subject rights are described in Guardline’s Privacy Policy.

The Customer is responsible for the legal bases that support transferring Data to the Platform and for upholding data subject rights toward its own customers.

To the maximum extent permitted by applicable law, Guardline is liable only for direct, duly proven damages arising from willful misconduct or gross negligence.

Guardline’s total liability under any theory is limited to the amount actually paid by the Customer in the twelve months preceding the event giving rise to the claim.

Guardline is not liable for indirect damages, lost profits, lost opportunity, data loss, or reputational harm.

The Customer will indemnify Guardline against losses, fines, costs, and expenses arising from misuse of the Platform, breach of these Terms, or non-compliance with applicable law.

The indemnification obligation includes reasonable attorneys’ fees and court costs incurred by Guardline.

Guardline may suspend, in whole or in part, access to the Platform in case of breach of these Terms, the agreement, applicable law, or where there is a risk to the operation’s security.

Suspension for non-payment will take place following notice, in line with contractual timelines.

Suspension does not release the Customer from financial obligations assumed under the agreement.

Either party may terminate the agreement under the scenarios and conditions set forth in the contractual instrument.

Upon termination, access to the Platform will be deactivated and the Customer’s Data will be deleted within 30 days, except for retention obligations imposed by law.

The Customer may request the export of its Data prior to termination, in line with available technical procedures.

Neither party is liable for failures arising from acts of God or force majeure — including large-scale cyber attacks, third-party infrastructure outages, acts of regulatory authorities, public emergencies, and similar events.

The affected party must notify the other as soon as possible and make reasonable efforts to mitigate the effects of the event.

Guardline may update these Terms from time to time to reflect legal, regulatory, technical, or business changes.

Material changes will be communicated with reasonable advance notice through official channels.

Continued use of the Platform after the changes take effect implies acceptance of the new version of the Terms.

The agreement is governed by the laws of the jurisdiction stated in the customer agreement. In the absence of a specific election, the laws applicable to the contracting Guardline entity will apply.

Any disputes arising from these Terms will be submitted to the forum stated in the customer agreement. In the absence of a specific election, the forum of the contracting Guardline entity will apply.