Terms of Service

By accessing or using the Service, you confirm that you have read, understood, and agree to these Terms, together with any order form, statement of work, or plan you select and our Privacy Policy and Data Processing Addendum, which are incorporated by reference. If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity. If you do not agree, you may not use the Service.

These Terms apply to all users of the Service, including administrators, developers, and other personnel to whom you grant access. You are responsible for their compliance with these Terms.

Verazify provides software that helps regulated and non-regulated businesses verify the identity of their end users (“End Users”) and meet Know-Your-Customer (“KYC”) and AML obligations. Depending on the plan you select, the Service may include document authentication, biometric face matching and liveness detection, data extraction, sanctions, watchlist and politically-exposed-person (“PEP”) screening, fraud-signal analysis, and a dashboard and API for orchestrating these checks.

The Service produces signals, scores, and recommendations to support your decisions. Verazify does not make onboarding, lending, or account decisions on your behalf, and does not act as your compliance officer or provide legal advice. You remain solely responsible for the decisions you make about your End Users and for determining whether the Service meets your regulatory requirements in each jurisdiction in which you operate.

We may update, improve, or modify features of the Service from time to time. We will not materially reduce the core functionality of a paid plan during a committed term without notice.

To use the Service you must register for an account and provide accurate, current, and complete information. You are responsible for safeguarding your API keys and account credentials and for all activity that occurs under your account. You must notify us promptly at security@verazify.com if you suspect any unauthorized use.

You represent and warrant that:

• you are a business or organization (the Service is not offered to consumers for personal use);
• you have the legal capacity and authority to enter into these Terms;
• you and your End Users are not subject to sanctions administered by the United Nations, the European Union, the United States (OFAC), or other applicable authorities, and are not located in a comprehensively sanctioned territory; and
• your use of the Service complies with all laws applicable to you, including data protection, AML, and consumer protection laws.

You agree not to, and not to permit any third party to:

• use the Service to verify identities without a lawful basis and, where required, the informed consent of the End User;
• submit data you do not have the right to submit, or use the Service for unlawful discrimination, surveillance, or harassment;
• reverse engineer, decompile, or attempt to derive the source code or underlying models of the Service, except to the extent this restriction is prohibited by law;
• resell, sublicense, or provide the Service to third parties as a standalone product without a written reseller or white-label agreement;
• probe, scan, or test the vulnerability of the Service, or circumvent rate limits, authentication, or security controls, other than through our responsible-disclosure process;
• use the Service to build a competing product, or to train machine-learning models using Verazify outputs; or
• interfere with the integrity or performance of the Service, including by submitting malware or automated abusive traffic.

We may suspend access to protect the Service, our other customers, or End Users where we reasonably believe there is a material breach of this section, a security risk, or a legal requirement to do so.

In respect of personal data of your End Users that you submit to the Service, you act as the data controller (or its equivalent, such as the “responsable” under Mexican law or the “controlador” under Brazilian law) and Verazify acts as your data processor. Our respective obligations are set out in the Data Processing Addendum, which forms part of these Terms. As controller, you are responsible for:

• establishing a valid legal basis for processing, including obtaining any explicit consent required for biometric and other sensitive data before you submit it to us;
• providing your End Users with clear privacy notices describing how their data is processed, including that a third-party verification provider is involved;
• honoring End-User rights requests, with our reasonable assistance as described in the DPA; and
• configuring the Service (for example, decision thresholds, retention windows, and allowed document types) appropriately for your risk appetite and regulatory environment.

Unless an order form states otherwise, the Service is billed primarily on a per-verification basis: you are charged for each verification session or check initiated through your account, according to the pricing for your plan. Some plans include a platform or minimum-commitment fee, volume tiers, or add-on modules (for example, integrations or white-label features) that are priced separately.

Payment terms

• Usage is metered and invoiced in arrears (or drawn down against prepaid credits, if applicable). Fixed and minimum fees are billed in advance for the billing period.
• Fees are exclusive of taxes, withholdings, and duties, which are your responsibility except for taxes on our net income.
• Undisputed invoices are due within the period stated on the invoice. Overdue amounts may accrue interest at the lower of 1.5% per month or the maximum permitted by law, and we may suspend the Service after reasonable notice for non-payment.
• Except where required by law or expressly stated, fees are non-refundable and verification counts are non-cancellable once incurred.

We may change standard pricing on renewal or with at least thirty (30) days’ notice for usage-based plans. Continued use after a price change takes effect constitutes acceptance of the new pricing.

As between the parties, Verazify and its licensors own all right, title, and interest in and to the Service, including its software, APIs, models, documentation, and all associated intellectual property. We grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service during the term solely for your internal business purposes and in accordance with these Terms.

You retain all rights in the data you submit (“Customer Data”). You grant us a worldwide, limited license to host, process, and transmit Customer Data solely to provide and support the Service and as permitted by the DPA. We may generate aggregated, de-identified statistics and operational data that do not identify you or any End User to operate, secure, and improve the Service; such data does not include Customer Data in identifiable form.

If you provide feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction.

We warrant that we will provide the Service with reasonable skill and care and substantially in accordance with our documentation. Except for this express warranty, and to the maximum extent permitted by law:

Identity verification is probabilistic. The Service is a decision-support tool, and you are responsible for applying appropriate human review, thresholds, and controls. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, or exemplary damages, or for lost profits, revenue, goodwill, or data, arising out of or relating to these Terms, even if advised of the possibility of such damages.

Except for liability that cannot be limited under applicable law, each party’s total aggregate liability arising out of or relating to these Terms will not exceed the total fees paid or payable by you to Verazify for the Service in the twelve (12) months preceding the event giving rise to the claim.

These limitations do not apply to your payment obligations, either party’s indemnification obligations, or a party’s liability for fraud, gross negligence, willful misconduct, or infringement of the other party’s intellectual property.

You will defend, indemnify, and hold harmless Verazify and its affiliates from and against third-party claims, damages, and reasonable costs arising from: (a) your Customer Data or your use of the Service in violation of these Terms or applicable law; (b) your failure to obtain a required legal basis or consent from End Users; or (c) your products or services into which the Service is integrated.

We will defend, indemnify, and hold harmless Customer from and against third-party claims that the Service, when used as permitted, infringes that third party’s intellectual property rights, and will pay damages finally awarded or agreed in settlement. This obligation does not apply to claims arising from Customer Data, modifications not made by us, or use of the Service in combination with items not provided by us where the claim would have been avoided absent the combination.

These Terms begin when you first accept them or access the Service and continue until terminated. Either party may terminate for convenience on the notice period stated in the applicable order form, or if none, on thirty (30) days’ written notice. Either party may terminate immediately if the other materially breaches these Terms and fails to cure within thirty (30) days of written notice, or upon the other party’s insolvency.

On termination, your right to access the Service ends and any outstanding fees for usage incurred become due. Following termination, we will delete or return Customer Data in accordance with the DPA and our retention obligations. Provisions that by their nature should survive termination (including fees accrued, intellectual property, disclaimers, limitations of liability, and indemnities) will survive.

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules. Subject to any mandatory local consumer or data-protection law that applies to you, the parties submit to the exclusive jurisdiction of the courts located in Orlando, Florida (Orange County), and, where the parties so agree in an order form, disputes may be finally resolved by binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association (AAA). Nothing in this section prevents either party from seeking injunctive or equitable relief to protect its intellectual property or confidential information.

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, for example by email to your account administrators or by posting a notice in the Service, before the changes take effect. The “Effective date” at the top of this page indicates when these Terms were last revised. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of the changes. If you do not agree, you must stop using the Service.

Questions about these Terms, or notices required under them, should be directed to our legal team.