Last Updated: 01-10-2026 This Privacy Policy explains how CAPITA SCREENING(“CapitaScreening,” “Company,” “we,” “us,” or “our”) collects, uses, discloses, stores, and otherwise processes personal data when you (“Applicant,” “you,” or “your”) access or use our websites, applications, and screening-related services (collectively, the “Services”). This Privacy Policy also explains your rights and choices and describes how you can contact us. Introduction and Scope As a specialised provider of screening services—including tenant screening, financial screening, and asset screening—we act primarily as a Screening and KYC Company (or equivalent under applicable laws) when preparing consumer reports for permissible purposes. These include credit decisions, tenancy evaluations, employment (where relevant), or compliance with anti-money laundering (AML), know-your-customer (KYC), sanctions, and fraud prevention obligations. This Policy applies to: Applicants: Data subjects whose personal information is included in screening reports (e.g. prospective tenants, credit applicants, borrowers). Clients: Landlords, estate agents, car leasing companies, lenders, banks, mortgage providers, and financial institutions who use our Services. Website Visitors: Any individuals who interact with our online platforms. We comply with all applicable data protection laws, including: The UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. The EU General Data Protection Regulation (GDPR) (EU) 2016/679 where relevant. National implementations of data protection laws in jurisdictions where we operate. Relevant AML, counter-terrorist financing, and fraud prevention regulations. This Privacy Policy should be read alongside our Terms & Conditions. Where documents conflict, the document more specific to the processing activity will take precedence, unless mandatory law dictates otherwise. 1. Scope and Role Clarification 1.1 Service Concept CAPITA SCREENINGprovides a screening facilitation and reporting platform to help Applicants compile and present identity, financial, and supporting information to generate a Screening Report for sharing with Providers. 1.2 Controller vs. Processor CAPITA SCREENINGmay act as a Data Controller, a Joint Controller, or a Data Processor depending on the context: Controller: For account administration, billing, security, fraud prevention, and platform analytics. Processor: Where a Provider determines the purposes of processing and instructs us to process data on their behalf (e.g. specific compliance workflows). 1.3 Independent Third Parties Providers who receive a Screening Report are independent third parties. Once you share a report, their processing is governed by their own privacy notices. CAPITA SCREENINGis not responsible for a Provider’s subsequent use, retention, or decisions. 2. Categories of Personal Data We Collect We collect personal data from you directly, your devices, third-party services you connect, and verification partners. Account Information: Name, email, phone number, date of birth, profile photo, and address. Screening & Verification: Government ID/passport details, selfies/liveness checks, and residency documentation. Financial & Affordability Data: Income, payslips, benefit proofs, tax statements, and bank account ownership verification. Your Content: Documents, files, and images you choose to upload. Communications: Content of messages sent via contact forms, email, or chat support. Usage & Device Data: IP addresses, device identifiers, browser types, and diagnostic logs. Cookies: We use essential and optional cookies to secure and improve the Services. 3. Why We Process Personal Data (Purposes) We process data only where reasonably necessary for the following: Service Delivery: To manage your account and generate Screening Reports. Security & Fraud Prevention: To detect and investigate unauthorised access, misuse, or suspicious activity. Improvement: To troubleshoot, fix bugs, and develop new features. Communication: To send service updates, security alerts, and (where permitted) marketing. Legal Compliance: To comply with lawful requests and enforce our terms. Billing: To process payments and manage subscriptions. 4. Legal Bases for Processing (UK GDPR) We rely on the following lawful bases: Contractual Necessity: To perform our contract with you (e.g. creating your report). Legitimate Interests: For platform security, fraud prevention, and service analytics, provided these do not override your rights. Consent: Where required for optional cookies or specific marketing communications. Legal Obligation: To meet statutory record-keeping or regulatory requirements. 5. Special Categories of Data We do not actively seek "special category" data (e.g. health, biometrics for unique identification, or religious beliefs) unless required for specific verification features or if you voluntarily upload documents containing such data. By uploading such information, you acknowledge you are doing so voluntarily. We do not knowingly request criminal conviction data unless required by a specific regulated screening flow. 6. How We Share Personal Data We do not sell your personal data to advertisers. We may share data: With Providers: When you choose to share your Screening Report. With Service Providers: Trusted vendors (hosting, ID verification, payments) who process data under our instructions. With Affiliates: Companies within the CAPITA SCREENINGcorporate group. For Legal Reasons: To comply with the law, protect safety, or address security vulnerabilities. Business Transfers: During a merger, acquisition, or sale of assets. Sales Teams: If you provide consent via dedicated forms, our internal or external sales teams may contact you regarding products or resources. 7. International Data Transfers CAPITA SCREENINGmay process data in Switzerland, the EEA, the US, and other countries. We implement appropriate safeguards (such as Standard Contractual Clauses or adequacy decisions) to protect your data. While local laws may vary, we take steps to ensure data remains protected in line with this Policy. Note: For operational simplicity, we treat Swiss Privacy Policy and Terms as the leading standards for our operations. 8. Data Retention Account Data: Retained while your account is active. Deletion typically begins 30 days after a request, subject to legal hold requirements. Screening Content: Retained as long as necessary to provide access, allow for re-issuance, or defend legal claims. Backups: Deletion from backups occurs on a rolling operational basis. 9. Security We use technical and organisational measures (including encryption and access controls) to protect your data. However, no system is perfectly secure. You are responsible for maintaining strong passwords and protecting your account credentials. 10. Your Rights and Choices Under the UK GDPR, you may have the following rights: Access/Correction: To view or update your data. Erasure/Restriction: To request deletion or limited processing. Portability: To receive a copy of your data in a structured format. Objection: To object to processing based on legitimate interests. Withdrawal of Consent: Where processing is based on your consent. 11. Disclaimers and Limitations To the maximum extent permitted by law, CAPITA SCREENINGdisclaims liability for: Third-party data you upload without authorisation. A Provider’s processing of reports after you share them. Errors caused by third-party verification providers. Interruptions beyond our reasonable control. Our Services are not directed at individuals under the age of 18. 12. Changes and Contact Changes: We may update this Policy periodically. Material changes will be notified via email or a prominent notice on our website. Contact Us: To contact the Company regarding privacy matters, please use the contact form on our website. Upon enquiry, our specific company details and Data Protection Officer (DPO) information (where applicable) will be shared with you.

THESE TERMS & CONDITIONS (THE “TERMS”) GOVERN ACCESS TO AND USE OF THE CAPITA-SCREENING WEBSITE, APPS (IF ANY), AND SCREENING FACILITATION AND REPORTING SERVICES (COLLECTIVELY, THE “SERVICES”) PROVIDED BY CAPITA-SCREENING (“CAPITA-SCREENING,” “COMPANY,” “WE,” “US,” OR “OUR”). YOU (“APPLICANT,” “YOU,” OR “YOUR”) MUST READ THESE TERMS CAREFULLY BEFORE CREATING AN ACCOUNT, INITIATING ANY SCREENING PROCESS, MAKING ANY PAYMENT, UPLOADING DOCUMENTS, OR GENERATING OR SHARING ANY SCREENING REPORT. BY CLICKING “I AGREE,” CREATING AN ACCOUNT, INITIATING A SCREENING PROCESS, PURCHASING ANY SERVICE, OR OTHERWISE USING THE SERVICES, YOU CONFIRM THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS AND AGREE TO BE LEGALLY BOUND BY THEM. IF YOU DO NOT AGREE, YOU MUST NOT USE THE SERVICES. IF YOU USE THE SERVICES ON BEHALF OF SOMEONE ELSE OR AN ENTITY, YOU REPRESENT AND WARRANT YOU HAVE AUTHORITY TO BIND THAT PARTY; HOWEVER, THE SERVICES ARE INTENDED FOR NATURAL PERSONS AND PERSONAL USE UNLESS EXPRESSLY STATED OTHERWISE. 1. DEFINITIONS 1.1 IN THESE TERMS, CAPITALIZED TERMS HAVE THE MEANINGS SET OUT BELOW, WHETHER USED IN THE SINGULAR OR PLURAL. “ACCOUNT” MEANS THE CAPITA-SCREENING ACCOUNT CREATED BY AN APPLICANT VIA THE WEBSITE TO ACCESS AND USE THE SERVICES AND TO INITIATE OR PARTICIPATE IN A SCREENING PROCESS. “APPLICANT” MEANS A NATURAL PERSON WHO REGISTERS FOR AN ACCOUNT AND SUBMITS (OR ATTEMPTS TO SUBMIT) INFORMATION AND DOCUMENTATION FOR A SCREENING PROCESS. “APPLICANT SERVICE” MEANS CAPITA-SCREENING’S SUPPORT AND SERVICE FUNCTION FOR APPLICANTS, INCLUDING CUSTOMER SUPPORT, TECHNICAL ASSISTANCE, BILLING INQUIRIES, AND COMPLAINT INTAKE. “SCREENING PROCESS” MEANS THE WORKFLOW THROUGH WHICH AN APPLICANT PROVIDES INFORMATION AND UPLOADS DOCUMENTATION FOR IDENTITY SCREENING FACILITATION, FINANCIAL SCREENING FACILITATION, RISK/CONSISTENCY INDICATORS, AND SCREENING REPORT GENERATION. “SCREENING REPORT” MEANS THE REPORT, OUTPUT, SUMMARY, OR PRESENTATION GENERATED BY CAPITA-SCREENING FROM APPLICANT-SUBMITTED INFORMATION AND DOCUMENTS, INCLUDING ANY CONSISTENCY CHECKS, VERIFICATION INDICATORS, FORMATTING, AND RISK FLAGS THAT THE SERVICES MAY PROVIDE. A SCREENING REPORT REFLECTS INFORMATION AT A POINT IN TIME AND IS NOT A CERTIFICATION, LICENSE, OR LEGALLY BINDING DETERMINATION. “PROVIDER” MEANS ANY THIRD PARTY (INCLUDING BUT NOT LIMITED TO LANDLORDS, EMPLOYERS, LENDERS, BROKERS, MARKETPLACES, FINANCIAL INSTITUTIONS, SERVICE PROVIDERS, OR SCREENING REQUESTERS) THAT MAY REQUEST, RECEIVE, REVIEW, RELY UPON, OR CONSIDER A SCREENING REPORT. “SERVICES” MEANS THE WEBSITE AND ANY SERVICES MADE AVAILABLE BY CAPITA-SCREENING INCLUDING ACCOUNT FUNCTIONALITY, SCREENING PROCESSES, DOCUMENT INTAKE AND UPLOADS, OPTIONAL VERIFICATION WORKFLOWS, SCREENING REPORTS, SUPPORT, SUBSCRIPTIONS (IF ANY), AND RELATED FEATURES. “WEBSITE” MEANS WWW.CAPITA-SCREENING.COM, INCLUDING ANY SUBDOMAINS AND, IF APPLICABLE, ANY MOBILE AND APPLICATION VERSIONS. “TERMS” MEANS THESE TERMS & CONDITIONS, INCLUDING ANY POLICIES EXPRESSLY INCORPORATED BY REFERENCE (INCLUDING THE PRIVACY POLICY) AND ANY ADDITIONAL TERMS PRESENTED DURING PURCHASE OR WITHIN SPECIFIC FEATURES. 2. GENERAL; CONTRACT FORMATION; CHANGES TO TERMS 2.1 THESE TERMS APPLY TO ALL APPLICANTS WHO CREATE AN ACCOUNT, INITIATE A SCREENING PROCESS, PAY FEES, UPLOAD DOCUMENTS, GENERATE A SCREENING REPORT, OR OTHERWISE USE THE SERVICES. YOU ACKNOWLEDGE THAT CAPITA-SCREENING MAY PROVIDE DIFFERENT FEATURES, PACKAGES, OR PROCESS STEPS DEPENDING ON THE PROVIDER TYPE, REGION, COMPLIANCE REQUIREMENTS, AND TECHNICAL AVAILABILITY, AND THAT THE SERVICES MAY EVOLVE OVER TIME. 2.2 WHEN YOU CREATE AN ACCOUNT OR OTHERWISE INDICATE ACCEPTANCE, YOU ENTER INTO A LEGALLY BINDING AGREEMENT WITH CAPITA-SCREENING. YOU ACKNOWLEDGE AND AGREE THAT ELECTRONIC ACCEPTANCE (INCLUDING CLICKING ACCEPTANCE BOXES, IN-APP CONFIRMATIONS, AND SIMILAR MECHANISMS) CONSTITUTES VALID LEGAL ACCEPTANCE TO THE EXTENT PERMITTED BY APPLICABLE LAW, AND THAT A PRINTED VERSION OF THESE TERMS MAY BE ADMISSIBLE IN LEGAL PROCEEDINGS. 2.3 CAPITA-SCREENING MAY MODIFY THESE TERMS AT ANY TIME FOR LEGITIMATE REASONS, INCLUDING TO COMPLY WITH LAWS, TO REFLECT CHANGES TO THE SERVICES, TO PREVENT ABUSE, TO ADDRESS SECURITY ISSUES, TO IMPROVE CLARITY, OR TO REFLECT BUSINESS CHANGES. WHERE CHANGES MATERIALLY REDUCE YOUR RIGHTS, CAPITA-SCREENING WILL PROVIDE NOTICE IN A COMMERCIALLY REASONABLE MANNER (FOR EXAMPLE VIA LOGIN NOTICE OR EMAIL). CONTINUED USE OF SERVICES AFTER THE EFFECTIVE DATE OF THE UPDATED TERMS CONSTITUTES ACCEPTANCE. IF YOU DO NOT ACCEPT, YOUR REMEDY IS TO STOP USING THE SERVICES AND CLOSE YOUR ACCOUNT, SUBJECT TO ANY NON-REFUNDABLE FEES ALREADY INCURRED AND SUBJECT TO MANDATORY LAW. 2.4 YOU ARE SOLELY RESPONSIBLE FOR REVIEWING THE CURRENT VERSION OF THESE TERMS AND ANY FEATURE-SPECIFIC NOTICES AND DISCLOSURES. YOU AGREE THAT FAILURE TO READ UPDATES DOES NOT AFFECT ENFORCEABILITY, EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. 3. NATURE OF THE SERVICES; IMPORTANT DISCLAIMERS ABOUT ROLE AND OUTCOMES 3.1 CAPITA-SCREENING PROVIDES A SCREENING FACILITATION AND REPORTING SERVICE THAT ALLOWS APPLICANTS TO SUBMIT IDENTITY-RELATED AND FINANCIAL-RELATED INFORMATION AND SUPPORTING DOCUMENTATION IN A STRUCTURED FORMAT FOR THE PURPOSE OF GENERATING A SCREENING REPORT THAT MAY BE SHARED WITH PROVIDERS. YOU ACKNOWLEDGE THAT THE SERVICES MAY INCLUDE AUTOMATED CHECKS, FORMATTING, DOCUMENT VALIDATION STEPS, CONSISTENCY INDICATORS, AND OTHER WORKFLOW TOOLS. HOWEVER, THE SERVICES DO NOT CONSTITUTE A CERTIFICATION, LEGAL DETERMINATION, OFFICIAL VERIFICATION, OR GUARANTEE OF ACCEPTANCE BY ANY PROVIDER, AND CAPITA-SCREENING DOES NOT REPRESENT THAT ANY PROVIDER WILL ACCEPT OR RELY ON A SCREENING REPORT. 3.2 CAPITA-SCREENING IS NOT THE PROVIDER, IS NOT A DECISION-MAKER, AND DOES NOT MAKE ANY ELIGIBILITY, UNDERWRITING, HIRING, RENTING, LENDING, CONTRACTING, OR APPROVAL DECISIONS. PROVIDERS APPLY THEIR OWN CRITERIA, PROCEDURES, AND TIMELINES, WHICH CAPITA-SCREENING DOES NOT CONTROL. YOU AGREE THAT YOU WILL NOT HOLD CAPITA-SCREENING RESPONSIBLE FOR ANY PROVIDER DECISION, DELAY, REJECTION, ACCEPTANCE, INTERNAL POLICY, COMPLIANCE OBLIGATION, OR ANY ACTION A PROVIDER TAKES OR FAILS TO TAKE, EVEN IF A PROVIDER REQUESTED THE SCREENING REPORT OR RELIED ON IT. 3.3 THE SCREENING REPORT IS GENERATED FROM INFORMATION AND DOCUMENTS THAT YOU SUBMIT. WHILE CAPITA-SCREENING MAY APPLY REASONABLENESS OR CONSISTENCY CHECKS AND MAY USE THIRD-PARTY VERIFICATION TOOLS, CAPITA-SCREENING CANNOT GUARANTEE THAT THE UNDERLYING INFORMATION IS TRUE, COMPLETE, CURRENT, OR ACCEPTED. YOU THEREFORE ACKNOWLEDGE THAT ANY OUTPUT IS INFORMATIONAL AND PROCEDURAL IN NATURE AND IS NOT A WARRANTY OF TRUTH, RELIABILITY, COMPLETENESS, OR SUITABILITY FOR ANY PROVIDER’S POLICIES OR LEGAL REQUIREMENTS. 3.4 THE SERVICES DO NOT PROVIDE LEGAL, FINANCIAL, TAX, ACCOUNTING, COMPLIANCE, PROFESSIONAL, OR ADVISORY SERVICES. ANY INFORMATION YOU RECEIVE IS GENERAL AND OPERATIONAL, AND YOU REMAIN RESPONSIBLE FOR OBTAINING PROFESSIONAL ADVICE WHERE NEEDED. 4. ELIGIBILITY; ACCOUNT REGISTRATION; APPLICANT WARRANTIES 4.1 YOU MUST BE AT LEAST 18 YEARS OLD AND HAVE REACHED THE AGE OF MAJORITY WHERE YOU RESIDE TO CREATE AN ACCOUNT OR USE THE SERVICES. CAPITA-SCREENING MAY REQUEST PROOF OF AGE OR IDENTITY AT ANY TIME TO PROTECT THE PLATFORM, COMPLY WITH LAW, AND PREVENT FRAUD. 4.2 YOU MAY REGISTER ONLY ONE ACCOUNT UNLESS CAPITA-SCREENING EXPLICITLY PERMITS OTHERWISE. CAPITA-SCREENING MAY BLOCK, SUSPEND, OR TERMINATE DUPLICATE ACCOUNTS TO PREVENT ABUSE OR CIRCUMVENTION. 4.3 YOU REPRESENT AND WARRANT THAT ALL INFORMATION YOU PROVIDE UPON ACCOUNT REGISTRATION AND DURING ANY SCREENING PROCESS IS TRUE, ACCURATE, COMPLETE, CURRENT, AND NOT MISLEADING, AND THAT YOU HAVE THE LAWFUL RIGHT TO PROVIDE SUCH INFORMATION AND UPLOAD SUCH DOCUMENTS. YOU ACKNOWLEDGE THAT INACCURATE, INCOMPLETE, MISLEADING, OR FRAUDULENT SUBMISSIONS MAY CAUSE THE SCREENING PROCESS TO BE SUSPENDED OR TERMINATED AND MAY RESULT IN A SCREENING REPORT NOT BEING GENERATED, WITHOUT REFUND, EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. 4.4 YOU ARE RESPONSIBLE FOR KEEPING YOUR ACCOUNT INFORMATION UP-TO-DATE. IF YOUR INFORMATION CHANGES, YOU MUST UPDATE IT THROUGH THE WEBSITE OR CONTACT APPLICANT SERVICE. YOU ARE RESPONSIBLE FOR VERIFYING THAT CHANGES ARE CORRECT. 4.5 CAPITA-SCREENING MAY REFUSE REGISTRATION OR TERMINATE AN ACCOUNT IF CAPITA-SCREENING REASONABLY SUSPECTS FRAUD, IDENTITY MANIPULATION, DOCUMENT FALSIFICATION, ABUSE, ILLEGAL ACTIVITY, SANCTIONS/COMPLIANCE RISK, PAYMENT RISK, OR ANY MATERIAL BREACH OF THESE TERMS. CAPITA-SCREENING MAY ALSO IMPLEMENT MEASURES TO PREVENT MISUSE, INCLUDING LIMITING ATTEMPTS, REQUIRING ADDITIONAL VERIFICATION, AND RESTRICTING ACCESS WHERE JUSTIFIED. 5. FEES; PAYMENT-FIRST MODEL; NON-REFUNDABILITY; OPTIONAL VERIFICATIONS 5.1 PAYMENT-FIRST. UNLESS EXPLICITLY STATED OTHERWISE, INITIATING OR CONTINUING A SCREENING PROCESS REQUIRES PAYMENT OF A ONE-TIME SCREENING PROCESSING FEE PER SCREENING PROCESS. YOU UNDERSTAND THAT CAPITA-SCREENING INCURS IMMEDIATE COSTS UPON INITIATION, INCLUDING PLATFORM CAPACITY ALLOCATION, VERIFICATION WORKFLOW COSTS, COMPLIANCE PROCEDURES, FRAUD CONTROLS, AND THIRD-PARTY PROCESSING FEES. ACCORDINGLY, THE ONE-TIME SCREENING PROCESSING FEE IS DEEMED EARNED UPON INITIATION OF THE SCREENING PROCESS TO THE MAXIMUM EXTENT PERMITTED BY LAW. 5.2 NON-REFUNDABLE FEE. ALL ONE-TIME SCREENING PROCESSING FEES ARE NON-REFUNDABLE, EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. YOU AGREE THAT IF YOU FAIL TO COMPLETE THE SCREENING PROCESS, DO NOT UPLOAD REQUIRED DOCUMENTS, UPLOAD INCOMPLETE OR INCONSISTENT DOCUMENTS, OR ABANDON THE PROCESS, YOU ARE NOT ENTITLED TO ANY REFUND, REVERSAL, OR CHARGEBACK RECOVERY FROM CAPITA-SCREENING. 5.3 TIME LIMIT FOR COMPLETION. UNLESS STATED OTHERWISE IN THE SERVICE FLOW, YOU MUST PROVIDE ALL REQUIRED INFORMATION AND DOCUMENTS WITHIN 7 CALENDAR DAYS AFTER INITIATING THE SCREENING PROCESS. IF YOU DO NOT, THE SCREENING PROCESS MAY BE PAUSED, CANCELLED, OR CLOSED, AND NO SCREENING REPORT WILL BE GENERATED. THIS IS TO PROTECT PROVIDERS, PRESERVE REPORT INTEGRITY, CONTROL COMPLIANCE RISK, AND PREVENT ABUSE. 6. APPLICANT OBLIGATIONS DURING SCREENING; DOCUMENT RESPONSIBILITY 6.1 YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT ALL UPLOADED DOCUMENTS ARE GENUINE, LEGIBLE, COMPLETE, AND UNALTERED, AND THAT ALL DATA ENTERED MATCHES THE DOCUMENTS. CAPITA-SCREENING MAY REJECT BLURRED, INCOMPLETE, INCONSISTENT, OR SUSPICIOUS DOCUMENTS. YOU ACKNOWLEDGE THAT CAPITA-SCREENING MAY APPLY AUTOMATED AND MANUAL REVIEW PROCEDURES AND MAY REQUEST ADDITIONAL DOCUMENTS TO RESOLVE DISCREPANCIES OR MEET COMPLIANCE STANDARDS. 6.2 IF YOUR SUBMISSION CREATES INCONSISTENCIES (E.G., MISMATCH IN NAME, DATE OF BIRTH, ADDRESS, DOCUMENT VALIDITY, OR FINANCIAL INFORMATION), CAPITA-SCREENING MAY SUSPEND THE SCREENING PROCESS UNTIL THE INCONSISTENCY IS RESOLVED, OR MAY CLOSE THE PROCESS IN ITS DISCRETION. ANY CLOSURE DUE TO INCONSISTENCY OR FAILURE TO PROVIDE REQUIRED DATA DOES NOT ENTITLE YOU TO A REFUND EXCEPT WHERE MANDATORY LAW REQUIRES. 6.3 YOU MAY NOT SUBMIT THIRD-PARTY DOCUMENTS OR PERSONAL DATA UNLESS YOU HAVE LAWFUL AUTHORITY TO DO SO. IF YOU UPLOAD DOCUMENTS CONTAINING THIRD-PARTY PERSONAL DATA, YOU REPRESENT THAT YOU HAVE COMPLIED WITH ANY CONSENT OR NOTICE REQUIREMENTS, AND YOU AGREE TO INDEMNIFY CAPITA-SCREENING FOR CLAIMS ARISING FROM UNAUTHORIZED DISCLOSURES. 7. SCREENING REPORT VALIDITY; LIMITATIONS; NO GUARANTEE OF ACCEPTANCE 7.1 SCREENING REPORTS GENERALLY REMAIN VALID FOR 30 DAYS FROM ISSUANCE UNLESS EXPLICITLY STATED OTHERWISE. REPORTS REFLECT INFORMATION AVAILABLE AT THE TIME OF GENERATION AND MAY BECOME OUTDATED. PROVIDERS MAY REQUIRE ADDITIONAL OR UPDATED INFORMATION. 7.2 CAPITA-SCREENING DOES NOT GUARANTEE THAT A SCREENING REPORT WILL BE ACCEPTED BY ANY PROVIDER, WILL SATISFY ANY PROVIDER’S CRITERIA, OR WILL LEAD TO ANY OUTCOME. PROVIDERS MAY HAVE ADDITIONAL REQUIREMENTS AND MAY CONDUCT SEPARATE CHECKS. 7.3 ANY SCORING, RISK FLAGS, OR CONSISTENCY INDICATORS ARE INFORMATIONAL AND ARE NOT LEGAL CONCLUSIONS OR CERTIFICATIONS. THEY ARE INTENDED TO ASSIST PROCESS TRANSPARENCY BUT DO NOT GUARANTEE CORRECTNESS OR COMPLETENESS. 8. ACCOUNT SECURITY; USER RESPONSIBILITY; UNAUTHORIZED ACCESS 8.1 YOU MUST PROTECT YOUR LOGIN CREDENTIALS AND MAINTAIN ACCOUNT SECURITY. YOU ARE RESPONSIBLE FOR ALL ACTIONS TAKEN THROUGH YOUR ACCOUNT, WHETHER AUTHORIZED BY YOU OR NOT, EXCEPT WHERE MANDATORY LAW PROVIDES OTHERWISE. 8.2 IF YOU SUSPECT UNAUTHORIZED ACCESS, YOU MUST NOTIFY CAPITA-SCREENING IMMEDIATELY. CAPITA-SCREENING MAY SUSPEND ACCESS TO PROTECT YOU AND THE PLATFORM. 8.3 CAPITA-SCREENING IS NOT LIABLE FOR MISUSE CAUSED BY YOUR DISCLOSURE OF CREDENTIALS, WEAK PASSWORDS, COMPROMISED DEVICES, OR FAILURE TO SECURE YOUR EMAIL/PHONE CHANNELS, TO THE MAXIMUM EXTENT PERMITTED BY LAW. 9. SUSPENSION; TERMINATION; INACTIVE ACCOUNTS; EFFECTS 9.1 THESE TERMS REMAIN IN EFFECT UNTIL TERMINATED BY YOU OR CAPITA-SCREENING IN ACCORDANCE WITH THIS SECTION. 9.2 YOU MAY REQUEST CLOSURE OF YOUR ACCOUNT BY CONTACTING APPLICANT SERVICE. CLOSURE TERMINATES YOUR RIGHT TO USE THE SERVICES; HOWEVER, DATA RETENTION MAY CONTINUE AS DESCRIBED IN THE PRIVACY POLICY AND AS REQUIRED FOR LEGAL COMPLIANCE, FRAUD PREVENTION, AND DISPUTE RESOLUTION. 9.3 CAPITA-SCREENING MAY SUSPEND OR TERMINATE AN ACCOUNT IMMEDIATELY IF YOU BREACH THESE TERMS, ENGAGE IN FRAUD, CREATE COMPLIANCE RISK, MISUSE THE SERVICES, FILE ABUSIVE CHARGEBACKS, OR IF REQUIRED BY LAW. CAPITA-SCREENING MAY ALSO TERMINATE AN ACCOUNT WITH NOTICE WHERE COMMERCIALLY REASONABLE, EXCEPT WHERE IMMEDIATE TERMINATION IS JUSTIFIED. 9.4 IF AN ACCOUNT IS NOT ACCESSED FOR 12 CONSECUTIVE MONTHS, CAPITA-SCREENING MAY SUSPEND OR DELETE IT, WITH ADVANCE NOTICE WHERE FEASIBLE, AND SUBJECT TO RETENTION OBLIGATIONS DESCRIBED IN THE PRIVACY POLICY. 9.5 TERMINATION DOES NOT AFFECT ACCRUED RIGHTS, PAYMENT OBLIGATIONS, NON-REFUNDABILITY, LIMITATION OF LIABILITY, INDEMNITIES, DISPUTE RESOLUTION, OR ANY SECTION INTENDED TO SURVIVE TERMINATION. 10. CHARGEBACKS; PAYMENT DISPUTES; ADMINISTRATIVE COSTS 10.1 YOU AGREE NOT TO INITIATE CHARGEBACKS OR DISPUTES EXCEPT IN GOOD FAITH WHERE YOU REASONABLY BELIEVE A CHARGE IS UNAUTHORIZED OR ERRONEOUS. YOU ACKNOWLEDGE THAT CHARGEBACKS CAUSE CAPITA-SCREENING DIRECT COSTS, ADMINISTRATIVE BURDEN, AND REPUTATIONAL/PAYMENT-RISK HARM. 10.2 IF YOU INITIATE A CHARGEBACK OR DISPUTE, CAPITA-SCREENING MAY SUSPEND YOUR ACCOUNT AND SERVICES PENDING RESOLUTION, AND MAY REFUSE FUTURE SERVICE TO YOU TO PROTECT THE PLATFORM. 10.3 TO THE MAXIMUM EXTENT PERMITTED BY LAW, IF CAPITA-SCREENING INCURS DISPUTE FEES, PENALTIES, OR ADMINISTRATIVE COSTS DUE TO YOUR CHARGEBACK, YOU AGREE THAT CAPITA-SCREENING MAY RECOVER SUCH AMOUNTS FROM YOU. WHERE PERMITTED AND PROPORTIONATE, CAPITA-SCREENING MAY CHARGE OR CLAIM UP TO 1.500 EURO IN EUROPEAN COUNTRIES, STERLING POUNDS IN UK, AND US DOLLARS IN THE UNITED STATES OF AMERICA AND OTHER REGIONS GLOBALLY, AS A REASONABLE PRE-ESTIMATE OF ADMINISTRATIVE AND REPUTATIONAL COSTS RELATED TO ABUSIVE DISPUTES; HOWEVER, THIS DOES NOT APPLY WHERE PROHIBITED BY MANDATORY LAW, AND CAPITA-SCREENING REMAINS ENTITLED TO PROVE HIGHER ACTUAL DAMAGES WHERE PERMITTED. 11. INTELLECTUAL PROPERTY; LICENSE RESTRICTIONS 11.1 ALL INTELLECTUAL PROPERTY RIGHTS IN THE WEBSITE, SERVICES, SOFTWARE, REPORT FORMATS, SCORING/INDICATOR LOGIC, TRADEMARKS, LOGOS, DESIGNS, AND CONTENT REMAIN WITH CAPITA-SCREENING OR ITS LICENSORS. YOU RECEIVE A LIMITED, REVOCABLE, NON-EXCLUSIVE, NON-TRANSFERABLE LICENSE TO USE THE SERVICES FOR PERSONAL SCREENING PURPOSES IN ACCORDANCE WITH THESE TERMS. 11.2 YOU MAY NOT COPY, REVERSE ENGINEER, SCRAPE, HARVEST, OR ATTEMPT TO DERIVE SOURCE CODE, ALGORITHMS, SCORING LOGIC, REPORT TEMPLATES, OR PLATFORM MECHANICS EXCEPT TO THE EXTENT MANDATORY LAW PERMITS AND ONLY AFTER PROVIDING LEGALLY REQUIRED NOTICE. 12. DATA PROTECTION; PRIVACY POLICY 12.1 CAPITA-SCREENING PROCESSES PERSONAL DATA TO PROVIDE THE SERVICES. OUR PRIVACY POLICY EXPLAINS HOW WE COLLECT, USE, STORE, AND SHARE PERSONAL DATA AND IS INCORPORATED INTO THESE TERMS BY REFERENCE. 12.2 YOU ACKNOWLEDGE THAT THE SERVICES INVOLVE SUBMISSION OF SENSITIVE PERSONAL INFORMATION AND DOCUMENTS AND THAT YOU ARE RESPONSIBLE FOR ENSURING YOU HAVE THE LAWFUL RIGHT TO PROVIDE THE INFORMATION YOU SUBMIT. 13. DISCLAIMERS; “AS IS”; THIRD-PARTY DEPENDENCIES 13.1 THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, NON-INFRINGEMENT, UNINTERRUPTED OPERATION, AND SUITABILITY FOR ANY PROVIDER’S CRITERIA. 13.2 CAPITA-SCREENING MAY RELY ON THIRD-PARTY SERVICE PROVIDERS (HOSTING, IDENTITY VERIFICATION, PAYMENTS, COMMUNICATIONS). CAPITA-SCREENING IS NOT RESPONSIBLE FOR OUTAGES, DELAYS, OR FAILURES ATTRIBUTABLE TO THIRD PARTIES BEYOND CAPITA-SCREENING’S REASONABLE CONTROL. 14. LIMITATION OF LIABILITY; LIABILITY CAP; EXCLUSION OF DAMAGES 14.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING IS NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, INCOME, BUSINESS OPPORTUNITIES, REPUTATION, GOODWILL, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY. 14.2 TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING IS NOT LIABLE FOR PROVIDER DECISIONS, PROVIDER RELIANCE, PROVIDER MISUSE OF REPORTS, APPLICANT-SUBMITTED INACCURACIES, INTERRUPTIONS BEYOND REASONABLE CONTROL, OR INABILITY TO GENERATE A REPORT DUE TO APPLICANT NON-COMPLIANCE OR DISCREPANCIES. 14.3 TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF EUR 20 OR THE AMOUNT YOU PAID FOR THE SPECIFIC SCREENING PROCESS GIVING RISE TO THE CLAIM. 14.4 SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THAT CASE, LIMITATIONS APPLY TO THE MAXIMUM EXTENT PERMITTED, AND MANDATORY CONSUMER RIGHTS REMAIN UNAFFECTED. 14.5 FOR THE AVOIDANCE OF DOUBT, THE SHARING OF YOUR SCREENING ID DOES NOT GRANT ACCESS TO YOUR SCREENING REPORT OR TO ANY PERSONAL DATA CONTAINED THEREIN. THE SCREENING ID FUNCTIONS STRICTLY AS A REFERENCE IDENTIFIER CONFIRMING THE EXISTENCE AND STATUS OF YOUR SCREENING PROCESS. 14.6 ONCE THE SCREENING REPORT HAS BEEN ISSUED, YOU SHALL BE SOLELY RESPONSIBLE FOR THE CONTROL, HANDLING, AND DISTRIBUTION OF THE REPORT, INCLUDING ANY INFORMATION CONTAINED THEREIN. THE COMPANY WILL NOT DISCLOSE, TRANSMIT, OR OTHERWISE MAKE YOUR SCREENING REPORT AVAILABLE TO ANY THIRD PARTY UNLESS YOU HAVE PROVIDED EXPLICIT PRIOR AUTHORISATION FOR SUCH ACCESS. YOU ARE THEREFORE REQUIRED TO RETAIN A COPY OF THE SCREENING REPORT FOR YOUR OWN RECORDS AND TO PROVIDE IT DIRECTLY TO THE REQUESTING PROVIDER WHERE REQUIRED AS PART OF ANY APPLICATION, TENANCY ASSESSMENT, OR VERIFICATION PROCEDURE. BY SELECTING CONTINUING / PROCEEDING, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THE TERMS AND CONDITIONS, TERMS OF SERVICE, AND PRIVACY POLICY. YOU FURTHER ACKNOWLEDGE AND ACCEPT FULL RESPONSIBILITY FOR THE MANAGEMENT, USE, AND SHARING OF YOUR SCREENING REPORT WITH THE RELEVANT PROVIDER. 14.7 YOU UNDERSTAND THAT THE COMPANY PROVIDES A SCREENING SERVICE ONLY. THE SCREENING REPORT DOES NOT CONSTITUTE FINANCIAL ADVICE, LEGAL ADVICE, OR ANY FORM OF PROFESSIONAL RECOMMENDATION, AND CARRIES NO LEGALLY BINDING STATUS. IT IS GENERATED STRICTLY ON THE BASIS OF THE INFORMATION AND DOCUMENTATION SUBMITTED BY YOU AS THE APPLICANT. YOU EXPRESSLY CONFIRM THAT ALL INFORMATION SUBMITTED BY YOU IS TRUE, ACCURATE, COMPLETE, AND NOT MISLEADING. YOU ACCEPT FULL RESPONSIBILITY FOR ANY CONSEQUENCES ARISING FROM INACCURATE, INCOMPLETE, OR FALSE INFORMATION. 14.8 THE COMPANY SHALL NOT BE HELD LIABLE FOR ANY OUTCOME, DECISION, OR ACTION TAKEN BY THE REQUESTING PROVIDER OR ANY THIRD PARTY IN RELIANCE ON THE SCREENING REPORT OR ANY RELATED INFORMATION. BY PROCEEDING, YOU GRANT COMPANY AUTHORISATION TO PROCESS, HANDLE, AND TRANSMIT THE INFORMATION AND DOCUMENTATION YOU HAVE SUBMITTED TO THE REQUESTING PROVIDER STRICTLY FOR SCREENING AND VERIFICATION PURPOSES, IN ACCORDANCE WITH APPLICABLE TERMS AND CONDITIONS AND TERMS OF SERVICE. 14.9 COMPANY IS NOT A FINANCIAL, LEGAL, OR PROFESSIONAL ADVISORY ENTITY. NO CONTENT, REPORT, OR OUTPUT PROVIDED BY COMPANY SHALL BE INTERPRETED AS LEGAL, FINANCIAL, OR PROFESSIONAL ADVICE. THE SERVICE IS STRICTLY LIMITED TO THE COLLECTION, PROCESSING, AND TRANSMISSION OF APPLICANT-PROVIDED INFORMATION AND SUPPORTING DOCUMENTATION. COMPANY DOES NOT PROVIDE ANY LEGALLY BINDING, CERTIFIED, OR LEGALLY VALIDATED DETERMINATIONS AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SCREENING RESULTS, OUTCOMES, LEGAL IMPLICATIONS, OR RELIANCE PLACED UPON SUCH RESULTS BY ANY PROVIDER OR THIRD PARTY. ALL SCREENING OUTPUTS ARE DERIVED SOLELY FROM THE INFORMATION SUBMITTED BY YOU. BY GENERATING THIS SCREENING KYC REPORT, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THE TERMS AND CONDITIONS AND TERMS OF SERVICE, AND YOU REPRESENT THAT ALL INFORMATION PROVIDED HAS BEEN SUBMITTED TRUTHFULLY, ACCURATELY, AND IN GOOD FAITH. 15. INDEMNIFICATION YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS CAPITA-SCREENING AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, LOSSES, LIABILITIES, PENALTIES, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) ARISING FROM OR RELATED TO: (I) YOUR BREACH OF THESE TERMS; (II) YOUR SUBMISSION OF FALSE, MISLEADING, UNLAWFUL, OR INFRINGING INFORMATION OR DOCUMENTS; (III) YOUR MISUSE OF THE SERVICES; (IV) ANY PROVIDER CLAIM ARISING FROM YOUR SCREENING REPORT OR YOUR CONDUCT; (V) DISPUTES, CHARGEBACKS, OR PAYMENT CLAIMS YOU INITIATE; OR (VI) YOUR VIOLATION OF ANY LAW OR THIRD-PARTY RIGHTS. THIS OBLIGATION SURVIVES TERMINATION. 16. COMPLAINTS; SUPPORT; COMMUNICATIONS 16.1 APPLICANT SERVICE MAY BE CONTACTED THROUGH THE CONTACT FORM OR OTHER PROVIDED CHANNELS. CAPITA-SCREENING MAY REFUSE TO HANDLE ABUSIVE, REPETITIVE, OR BAD-FAITH COMPLAINTS, WHILE REMAINING COMPLIANT WITH MANDATORY LAW. 16.2 WHERE CAPITA-SCREENING DECLINES TO HANDLE A COMPLAINT, IT WILL INFORM YOU WITHIN A COMMERCIALLY REASONABLE TIME, TYPICALLY WITHIN ONE WEEK. 17. GOVERNING LAW; JURISDICTION; DISPUTE RESOLUTION 17.1 GOVERNING LAW. UNLESS MANDATORY CONSUMER LAW REQUIRES OTHERWISE, THESE TERMS ARE GOVERNED BY THE SUBSTANTIVE LAWS OF SWITZERLAND. 17.2 JURISDICTION (NON-U.S.). FOR BUSINESS USERS WORLDWIDE AND CONSUMERS RESIDING OUTSIDE THE UNITED STATES, DISPUTES ARE SUBJECT TO THE EXCLUSIVE JURISDICTION OF THE COMPETENT COURTS OF THE CANTON OF GENEVA, SWITZERLAND, TO THE MAXIMUM EXTENT PERMITTED BY LAW. 17.3 U.S. CONSUMERS. IF YOU RESIDE IN THE UNITED STATES, DISPUTES MAY BE SUBJECT TO A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (IF YOU ADOPT SUCH CLAUSE). IF YOU WANT, I CAN INSERT YOUR FULL AAA ARBITRATION AND CLASS WAIVER SECTION IN A CLEANED, ENFORCEABLE WAY WITHOUT CONTRADICTIONS. 17.4 INFORMAL RESOLUTION. BEFORE FORMAL PROCEEDINGS, EACH PARTY AGREES TO ATTEMPT GOOD-FAITH INFORMAL RESOLUTION VIA WRITTEN NOTICE AND A 30-DAY CURE WINDOW, WHERE LEGALLY PERMISSIBLE. 18. MISCELLANEOUS 18.1 ENTIRE AGREEMENT. THESE TERMS, TOGETHER WITH INCORPORATED POLICIES, CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND CAPITA-SCREENING REGARDING THE SERVICES AND SUPERSEDE PRIOR COMMUNICATIONS. 18.2 SEVERABILITY. IF ANY PROVISION IS UNENFORCEABLE, IT WILL BE LIMITED TO THE MINIMUM EXTENT NECESSARY AND THE REMAINDER REMAINS IN EFFECT. 18.3 ASSIGNMENT. CAPITA-SCREENING MAY ASSIGN THESE TERMS WITHOUT YOUR CONSENT. YOU MAY NOT ASSIGN YOUR RIGHTS WITHOUT CAPITA-SCREENING’S WRITTEN CONSENT. 18.4 NO WAIVER. FAILURE TO ENFORCE A PROVISION IS NOT A WAIVER. 18.5 HEADINGS. HEADINGS ARE FOR CONVENIENCE ONLY AND DO NOT AFFECT INTERPRETATION.

THESE TERMS AND CONDITIONS (THE “TERMS”) GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE AND THE SERVICES PROVIDED BY CAPITA-SCREENING. BY CREATING AN ACCOUNT, PURCHASING, ACCESSING, OR USING ANY PART OF THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS, AND YOU CONFIRM THAT YOU HAVE THE LEGAL CAPACITY TO ENTER INTO THIS AGREEMENT. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE WEBSITE OR SERVICES, MUST NOT CREATE AN ACCOUNT, AND MUST NOT INITIATE A SCREENING PROCESS. 1. DEFINITIONS IN THESE TERMS, THE FOLLOWING TERMS, WHETHER SINGULAR OR PLURAL AND INDICATED WITH A CAPITAL LETTER, HAVE THE MEANINGS SET FORTH BELOW: “ACCOUNT” MEANS THE CAPITA-SCREENING ACCOUNT CREATED BY AN APPLICANT THROUGH THE WEBSITE, WHICH ENABLES THE APPLICANT TO ACCESS AND USE THE SERVICES AND TO INITIATE OR PARTICIPATE IN A SCREENING PROCESS. “APPLICANT” MEANS THE NATURAL PERSON WHO REGISTERS AN ACCOUNT ON THE WEBSITE AND WHO SUBMITS OR ATTEMPTS TO SUBMIT INFORMATION FOR A SCREENING PROCESS. “APPLICANT SERVICE” MEANS THE SERVICES MADE AVAILABLE BY CAPITA-SCREENING TO THE APPLICANT, INCLUDING (WITHOUT LIMITATION) IDENTITY SCREENING FACILITATION, FINANCIAL SCREENING FACILITATION, DATA INTAKE, DOCUMENT UPLOAD AND VALIDATION WORKFLOWS, RISK AND CONSISTENCY ANALYSIS BASED ON PROVIDED INFORMATION, SCREENING REPORT GENERATION, AND RELATED FEATURES PROVIDED THROUGH THE WEBSITE. “CAPITA-SCREENING” / “COMPANY” MEANS CAPITA-SCREENING, ITS WEBSITE, PLATFORM, SYSTEMS, TOOLS, SERVICES, SOFTWARE, AFFILIATED ENTITIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS AND ASSIGNS, AND ANY THIRD-PARTY SERVICE PROVIDERS ENGAGED TO DELIVER PARTS OF THE SERVICES. “SCREENING PROCESS” MEANS THE WORKFLOW WHEREBY AN APPLICANT PROVIDES INFORMATION (INCLUDING PERSONAL DATA AND SUPPORTING DOCUMENTS) FOR THE PURPOSE OF GENERATING A SCREENING REPORT. “SCREENING REPORT” MEANS THE OUTPUT REPORT GENERATED BY CAPITA-SCREENING, WHICH REFLECTS THE INFORMATION AND DOCUMENTS SUBMITTED BY THE APPLICANT AND THE RESULTS OF CAPITA-SCREENING’S AUTOMATED AND/OR MANUAL CONSISTENCY CHECKS, RISK INDICATORS, AND VALIDATION WORKFLOWS AS DESCRIBED BY THE SERVICE AT THE TIME OF GENERATION. “SERVICES” MEANS THE WEBSITE AND ALL SERVICES PROVIDED BY CAPITA-SCREENING, INCLUDING THE APPLICANT SERVICE, SCREENING PROCESS, SCREENING REPORT GENERATION, OPTIONAL VERIFICATION STEPS, OPTIONAL SUBSCRIPTIONS, SUPPORT, AND ANY RELATED FEATURES. “WEBSITE” MEANS WWW.CAPITA-SCREENING.COM AND ANY SUBDOMAINS, AND IF APPLICABLE ANY MOBILE SITE OR APP(S), INCLUDING ALL CONTENT, TOOLS, AND INTEGRATIONS MADE AVAILABLE THEREON. “PROVIDER” MEANS ANY THIRD PARTY (INCLUDING BUT NOT LIMITED TO LANDLORDS, EMPLOYERS, LENDERS, BROKERS, MARKETPLACES, FINANCIAL INSTITUTIONS, SERVICE PROVIDERS, OR SCREENING REQUESTERS) THAT MAY REQUEST, RECEIVE, REVIEW, RELY UPON, OR CONSIDER A SCREENING REPORT. 2. AGE RESTRICTION; ELIGIBILITY; ACCOUNT REQUIREMENTS 2.1 AGE AND CAPACITY. THE SERVICES ARE OFFERED ONLY TO INDIVIDUALS WHO ARE AT LEAST 18 YEARS OLD AND WHO HAVE REACHED THE AGE OF MAJORITY WHERE THEY RESIDE. IF YOU DO NOT MEET THESE REQUIREMENTS, YOU ARE NOT PERMITTED TO USE THE SERVICES OR ACCESS THE WEBSITE. 2.2 NATURAL PERSONS ONLY; NO BOTS. ACCOUNTS MAY ONLY BE CREATED AND HELD BY NATURAL PERSONS. ACCOUNTS REGISTERED OR OPERATED THROUGH AUTOMATED MEANS, SCRIPTS, BOTS, OR OTHER NON-HUMAN METHODS ARE NOT AUTHORIZED. CAPITA-SCREENING MAY SUSPEND OR TERMINATE ANY SUCH ACCOUNT AT ANY TIME, WITHOUT LIABILITY, TO PROTECT ITS SYSTEMS, COMPLIANCE OBLIGATIONS, AND REPUTATION. 2.3 ONE ACCOUNT; NON-TRANSFERABILITY. ACCOUNTS ARE PERSONAL, NON-TRANSFERABLE, AND MAY NOT BE SOLD, ASSIGNED, TRANSFERRED, LICENSED, OR SHARED. YOU MAY NOT ALLOW ANOTHER PERSON TO ACCESS OR USE YOUR ACCOUNT. ANY ATTEMPT TO TRANSFER AN ACCOUNT IS VOID AND CONSTITUTES A MATERIAL BREACH OF THESE TERMS. 2.4 APPLICANT RESPONSIBILITY FOR ACTIONS. YOU ARE SOLELY RESPONSIBLE FOR ALL ACTIONS PERFORMED THROUGH YOUR ACCOUNT, INCLUDING ALL INFORMATION YOU SUBMIT, UPLOAD, OR CONFIRM, ALL USE OF OPTIONAL VERIFICATION STEPS, AND ANY COMMUNICATIONS MADE THROUGH THE SERVICES. 3. SCOPE AND NATURE OF CAPITA-SCREENING’S SERVICES; IMPORTANT LIMITATIONS 3.1 SERVICE PURPOSE. CAPITA-SCREENING PROVIDES A DIGITAL SCREENING FACILITATION AND REPORTING SERVICE DESIGNED TO HELP APPLICANTS COMPILE INFORMATION AND SUPPORTING DOCUMENTATION INTO A STRUCTURED SCREENING REPORT THAT MAY BE SHARED WITH PROVIDERS. THE SERVICES MAY INCLUDE AUTOMATED CHECKS, MANUAL REVIEW ELEMENTS, CONSISTENCY VALIDATION, FORMATTING, SCORING, RISK INDICATORS, AND RELATED WORKFLOWS. 3.2 NOT A DECISION-MAKER; NO APPROVALS. CAPITA-SCREENING DOES NOT MAKE DECISIONS ON BEHALF OF ANY PROVIDER, DOES NOT APPROVE, DENY, ACCEPT, REJECT, CERTIFY, OR GUARANTEE ANY APPLICANT, AND DOES NOT REPRESENT THAT ANY SCREENING REPORT WILL BE ACCEPTED OR RELIED UPON BY ANY PROVIDER. ANY PROVIDER’S DECISION, WHETHER POSITIVE OR NEGATIVE, REMAINS SOLELY THE PROVIDER’S RESPONSIBILITY. 3.3 NO GUARANTEE OF COMPLETENESS, SUITABILITY, OR ACCEPTANCE. THE SCREENING REPORT IS DERIVED FROM INFORMATION PROVIDED BY THE APPLICANT AND MAY INCORPORATE THIRD-PARTY VALIDATION OR VERIFICATION STEPS WHERE AVAILABLE. BECAUSE CAPITA-SCREENING DOES NOT CONTROL THE UNDERLYING TRUTHFULNESS OF APPLICANT-PROVIDED INFORMATION, AND BECAUSE THIRD-PARTY SYSTEMS AND DATA SOURCES CAN BE INCOMPLETE, DELAYED, OR ERRONEOUS, CAPITA-SCREENING DOES NOT WARRANT THAT ANY SCREENING REPORT IS COMPLETE, ACCURATE, UP-TO-DATE, EXHAUSTIVE, OR SUITABLE FOR ANY PARTICULAR PROVIDER’S POLICIES OR LEGAL REQUIREMENTS. 3.4 APPLICANT ACKNOWLEDGEMENTS REGARDING PROVIDER RELIANCE. YOU ACKNOWLEDGE AND AGREE THAT (I) PROVIDERS MAY USE DIFFERENT SCREENING STANDARDS, RISK TOLERANCES, AND REQUIREMENTS, (II) PROVIDERS MAY ACCEPT OR REJECT A SCREENING REPORT FOR ANY REASON (INCLUDING NO REASON), AND (III) CAPITA-SCREENING IS NOT RESPONSIBLE FOR ANY PROVIDER’S CONDUCT, DECISIONS, OR COMMUNICATIONS. YOU FURTHER ACKNOWLEDGE THAT YOU REMAIN RESPONSIBLE FOR RESPONDING TO PROVIDER REQUESTS AND FOR SATISFYING PROVIDER-SPECIFIC REQUIREMENTS OUTSIDE THE SERVICES. 3.5 NO PROFESSIONAL ADVICE. THE SERVICES DO NOT CONSTITUTE LEGAL, FINANCIAL, TAX, ACCOUNTING, INVESTMENT, EMPLOYMENT, OR COMPLIANCE ADVICE. ANY INFORMATIONAL CONTENT IS PROVIDED FOR GENERAL PURPOSES ONLY AND DOES NOT REPLACE ADVICE FROM QUALIFIED PROFESSIONALS. 4. AUTHORIZED USE; PROHIBITED CONDUCT; COMPLIANCE 4.1 AUTHORIZED USE. YOU MAY USE THE SERVICES ONLY FOR LAWFUL PURPOSES AND ONLY IN ACCORDANCE WITH THESE TERMS. YOU MAY NOT USE THE SERVICES IN ANY WAY THAT VIOLATES ANY APPLICABLE LAW, REGULATION, COURT ORDER, THIRD-PARTY RIGHTS, OR THESE TERMS. 4.2 PROHIBITED CONDUCT (NON-EXHAUSTIVE). WITHOUT LIMITATION, YOU AGREE NOT TO: SUBMIT FALSE, MISLEADING, INCOMPLETE, FRAUDULENT, MANIPULATED, OR FORGED INFORMATION OR DOCUMENTS; IMPERSONATE ANY PERSON OR MISREPRESENT YOUR IDENTITY OR AFFILIATION; ATTEMPT TO ACCESS, PROBE, OR TEST SYSTEM VULNERABILITIES OR SECURITY; INTERFERE WITH THE OPERATION, INTEGRITY, OR PERFORMANCE OF THE WEBSITE OR SERVICES; UPLOAD MALWARE, CORRUPTED FILES, OR HARMFUL CODE; REVERSE ENGINEER, COPY, SCRAPE, HARVEST, OR EXPLOIT THE WEBSITE, SOFTWARE, ALGORITHMS, SCORING, OR REPORT LOGIC, EXCEPT TO THE EXTENT EXPLICITLY PERMITTED BY MANDATORY LAW; USE THE SERVICES TO HARASS, DISCRIMINATE, OR VIOLATE RIGHTS OF OTHERS. 4.3 COMPLIANCE AND COOPERATION. CAPITA-SCREENING MAY IMPLEMENT CONTROLS AND PROCEDURES TO DETECT FRAUD, MISUSE, AND SUSPICIOUS BEHAVIOR. YOU AGREE TO COOPERATE WITH REASONABLE REQUESTS RELATED TO VERIFICATION, FRAUD PREVENTION, AND COMPLIANCE. 5. SCREENING PROCESS; INFORMATION SUBMISSION; TIMELINES; REPORT VALIDITY 5.1 PAYMENT-FIRST PROCESS. UNLESS STATED OTHERWISE, YOU MUST PAY THE APPLICABLE ONE-TIME SCREENING PROCESSING FEE BEFORE YOU CAN PROCEED WITH IDENTITY AND/OR FINANCIAL INPUT, DOCUMENT UPLOAD, OR OTHER SCREENING PROCESS STEPS. THE PAYMENT UNLOCKS THE SCREENING PROCESS AND RESERVES PROCESSING CAPACITY AND COMPLIANCE RESOURCES. 5.2 APPLICANT DUTY OF ACCURACY AND COMPLETENESS. YOU REPRESENT AND WARRANT THAT ALL INFORMATION AND DOCUMENTS YOU SUBMIT ARE ACCURATE, COMPLETE, CURRENT, AND NOT MISLEADING, AND THAT YOU HAVE THE LAWFUL RIGHT TO PROVIDE SUCH INFORMATION AND DOCUMENTS. IF YOU SUBMIT ANY THIRD-PARTY INFORMATION, YOU CONFIRM YOU ARE AUTHORIZED TO DO SO AND THAT YOU HAVE PROVIDED ANY NOTICES REQUIRED BY LAW. 5.3 SUBMISSION DEADLINES; INCOMPLETE PROCESSES. UNLESS OTHERWISE SPECIFIED WITHIN THE SERVICE, YOU MUST SUBMIT ALL REQUESTED INFORMATION AND DOCUMENTS WITHIN 7 CALENDAR DAYS AFTER STARTING THE SCREENING PROCESS. IF YOU FAIL TO DO SO, IF INCONSISTENCIES REMAIN UNRESOLVED, OR IF THE INFORMATION PROVIDED IS INSUFFICIENT TO GENERATE A SCREENING REPORT, CAPITA-SCREENING MAY (AT ITS DISCRETION) SUSPEND, CLOSE, OR CANCEL THE SCREENING PROCESS. IN SUCH CIRCUMSTANCES, NO SCREENING REPORT WILL BE GENERATED AND NO REFUND WILL BE PROVIDED EXCEPT WHERE REQUIRED BY MANDATORY LAW. 5.4 REPORT VALIDITY. SCREENING REPORTS ARE GENERATED AT A POINT IN TIME AND ARE GENERALLY VALID FOR 30 DAYS FROM THE DATE OF ISSUANCE UNLESS STATED OTHERWISE. YOU ACKNOWLEDGE THAT INFORMATION MAY CHANGE, BECOME OUTDATED, OR BE SUPERSEDED AFTER ISSUANCE, AND PROVIDERS MAY REQUIRE A NEWER REPORT. 5.5 NO GUARANTEE OF ISSUANCE. CAPITA-SCREENING RESERVES THE RIGHT TO REFUSE TO GENERATE A SCREENING REPORT, OR TO SUSPEND OR CLOSE THE SCREENING PROCESS, IF IT REASONABLY BELIEVES THE INFORMATION IS FRAUDULENT, INCONSISTENT, UNLAWFUL, INCOMPLETE, OR POSES COMPLIANCE, SECURITY, OR REPUTATIONAL RISK. 6. FEES; NON-REFUNDABLE SCREENING PROCESSING PAYMENT; OPTIONAL SERVICES 6.1 ONE-TIME PROCESSING FEE; NON-REFUNDABLE. THE SCREENING PROCESSING FEE IS A ONE-TIME, NON-REFUNDABLE FEE CHARGED PER SCREENING PROCESS. YOU ACKNOWLEDGE THAT THE FEE COMPENSATES CAPITA-SCREENING FOR SYSTEM ACCESS, COMPLIANCE PROCEDURES, VERIFICATION WORKFLOWS, AND PROCESSING CAPACITY, AND THAT CAPITA-SCREENING INCURS COSTS IMMEDIATELY UPON INITIATION OF THE SCREENING PROCESS. THEREFORE, ALL SUCH PAYMENTS ARE FINAL, EXCEPT WHERE MANDATORY LAW PROVIDES OTHERWISE. 6.2 NO REFUND FOR NON-COMPLETION. IF YOU DO NOT COMPLETE THE SCREENING PROCESS, FAIL TO PROVIDE REQUIRED DOCUMENTS, PROVIDE INCORRECT OR INCONSISTENT INFORMATION, OR OTHERWISE PREVENT COMPLETION, YOU REMAIN RESPONSIBLE FOR THE FEE AND WILL NOT BE ENTITLED TO A REFUND, REVERSAL, OR CHARGEBACK RECOVERY, EXCEPT WHERE MANDATORY LAW REQUIRES. 6.3 EXCEPTIONAL REFUNDS (DISCRETIONARY). WHERE NOT PROHIBITED BY LAW, CAPITA-SCREENING MAY (BUT IS NOT OBLIGATED TO) OFFER AN EXCEPTIONAL REFUND OR CREDIT AS A GESTURE OF GOODWILL IN RARE CIRCUMSTANCES. ANY SUCH DECISION IS ENTIRELY AT CAPITA-SCREENING’S DISCRETION AND DOES NOT CREATE PRECEDENT OR OBLIGATION FOR FUTURE REQUESTS. 7. CHARGEBACKS; PAYMENT DISPUTES; ADMINISTRATIVE FEES; SUSPENSION 7.1 NO CHARGEBACK ABUSE. YOU AGREE NOT TO INITIATE A CHARGEBACK OR PAYMENT DISPUTE FOR ANY VALID PAYMENT, INCLUDING THE ONE-TIME SCREENING PROCESSING FEE, EXCEPT IN GOOD FAITH WHERE YOU REASONABLY BELIEVE THE PAYMENT IS UNAUTHORIZED OR ERRONEOUS. 7.2 CONSEQUENCES OF DISPUTE/CHARGEBACK. IF YOU INITIATE A CHARGEBACK OR PAYMENT DISPUTE, CAPITA-SCREENING MAY SUSPEND YOUR ACCOUNT AND SCREENING PROCESS PENDING RESOLUTION. YOU ACKNOWLEDGE THAT SUCH DISPUTES CREATE COSTS AND ADMINISTRATIVE BURDENS FOR CAPITA-SCREENING, MAY IMPACT PAYMENT RISK SCORING, AND MAY CAUSE REPUTATIONAL HARM. 7.3 RECOVERY OF COSTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IF A CHARGEBACK OR DISPUTE IS FILED AND CAPITA-SCREENING INCURS FEES, PENALTIES, DISPUTE COSTS, OR ADMINISTRATIVE COSTS (INCLUDING THIRD-PARTY DISPUTE FEES), YOU AUTHORIZE CAPITA-SCREENING TO RECOVER SUCH AMOUNTS FROM YOU, INCLUDING BY CHARGING YOUR ACCOUNT OR PURSUING LAWFUL COLLECTION. WHERE PERMITTED, CAPITA-SCREENING MAY CLAIM AN ADMINISTRATIVE/REPUTATIONAL DAMAGES CONTRIBUTION UP TO €1.500 PER DISPUTE EVENT, PROVIDED SUCH AMOUNT IS A REASONABLE ESTIMATE OF COSTS AND HARM AND DOES NOT EXCEED WHAT IS PERMITTED UNDER APPLICABLE LAW. 7.4 REFUND DISCUSSIONS. IF YOU BELIEVE YOU ARE ENTITLED TO RELIEF, YOU MUST CONTACT CAPITA-SCREENING VIA THE WEBSITE CONTACT FORM WITH THE SUBJECT “REQUEST A REFUND” AND INCLUDE SUFFICIENT DETAIL AND SUPPORTING EVIDENCE. CAPITA-SCREENING MAY REQUEST ADDITIONAL INFORMATION BEFORE CONSIDERING ANY REQUEST. 8. ACCOUNT SECURITY; CREDENTIALS; ACCESS; COMMUNICATIONS 8.1 SECURITY. YOU MUST KEEP YOUR LOGIN CREDENTIALS CONFIDENTIAL AND SECURE. YOU ARE RESPONSIBLE FOR ANY ACTIVITY PERFORMED THROUGH YOUR ACCOUNT, WHETHER AUTHORIZED BY YOU OR NOT, EXCEPT WHERE MANDATORY LAW PROVIDES OTHERWISE. 8.2 NOTICE OF COMPROMISE. IF YOU SUSPECT UNAUTHORIZED ACCESS, YOU MUST NOTIFY CAPITA-SCREENING IMMEDIATELY. FAILURE TO NOTIFY CAPITA-SCREENING MAY INCREASE HARM AND MAY LIMIT CAPITA-SCREENING’S ABILITY TO MITIGATE RISK. 8.3 ELECTRONIC COMMUNICATIONS. YOU CONSENT TO RECEIVE COMMUNICATIONS ELECTRONICALLY (INCLUDING BY EMAIL AND IN-PRODUCT MESSAGES). YOU ARE RESPONSIBLE FOR MAINTAINING A VALID EMAIL ADDRESS AND CHECKING SPAM/JUNK FOLDERS. 9. INACTIVE ACCOUNTS; DATA RETENTION; DELETION 9.1 INACTIVE ACCOUNTS. CAPITA-SCREENING MAY SUSPEND OR DELETE ACCOUNTS AND RELATED DATA IF AN ACCOUNT HAS BEEN INACTIVE FOR 12 CONSECUTIVE MONTHS, SUBJECT TO APPLICABLE LAWS AND LEGITIMATE INTERESTS SUCH AS SECURITY AND STORAGE MINIMIZATION. 9.2 NOTICE. WHERE FEASIBLE, CAPITA-SCREENING WILL PROVIDE ADVANCE NOTICE PRIOR TO DELETION (E.G., 30/15/7 DAYS). NOTICE MAY BE SENT TO THE EMAIL ASSOCIATED WITH YOUR ACCOUNT. 9.3 NO LIABILITY FOR DELETION. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING SHALL NOT BE LIABLE FOR THE DELETION OF DATA RESULTING FROM INACTIVITY, ACCOUNT TERMINATION, LEGAL COMPLIANCE, SECURITY REQUIREMENTS, OR POLICY ENFORCEMENT. 10. INTELLECTUAL PROPERTY; LICENSE; FEEDBACK 10.1 OWNERSHIP. THE WEBSITE, SERVICES, UNDERLYING SOFTWARE, WORKFLOWS, REPORT TEMPLATES, SCORING LOGIC, TRADEMARKS, SERVICE MARKS, TRADE DRESS, AND ALL ASSOCIATED INTELLECTUAL PROPERTY ARE OWNED BY CAPITA-SCREENING OR ITS LICENSORS AND ARE PROTECTED BY LAW. 10.2 LIMITED LICENSE. SUBJECT TO THESE TERMS, CAPITA-SCREENING GRANTS YOU A LIMITED, REVOCABLE, NON-EXCLUSIVE, NON-TRANSFERABLE LICENSE TO ACCESS AND USE THE SERVICES SOLELY FOR YOUR PERSONAL USE FOR SCREENING PROCESSES, AND ONLY AS PERMITTED BY THESE TERMS. 10.3 FEEDBACK. IF YOU SUBMIT FEEDBACK, SUGGESTIONS, OR IDEAS, YOU GRANT CAPITA-SCREENING AN UNRESTRICTED, WORLDWIDE, PERPETUAL, IRREVOCABLE, SUBLICENSABLE LICENSE TO USE SUCH FEEDBACK WITHOUT COMPENSATION OR ATTRIBUTION. 11. PRIVACY; DATA PROCESSING; APPLICANT CONSENTS 11.1 PRIVACY POLICY. YOUR USE OF THE SERVICES IS SUBJECT TO THE PRIVACY POLICY AND ANY RELATED POLICIES, WHICH ARE INCORPORATED BY REFERENCE. BY USING THE SERVICES, YOU AGREE TO THE PROCESSING OF PERSONAL DATA AS DESCRIBED THEREIN. 11.2 APPLICANT RESPONSIBILITY FOR UPLOADED DATA. YOU REMAIN RESPONSIBLE FOR ENSURING YOU HAVE LAWFUL GROUNDS TO PROVIDE PERSONAL DATA AND DOCUMENTS THROUGH THE SERVICES. IF YOU UPLOAD DOCUMENTS CONTAINING THIRD-PARTY DATA, YOU WARRANT THAT YOU HAVE THE RIGHT TO DO SO AND THAT YOU HAVE COMPLIED WITH ANY NOTICE OR CONSENT REQUIREMENTS. 11.3 PROCESSOR/CONTROLLER ROLES. DEPENDING ON CIRCUMSTANCES AND APPLICABLE LAW, CAPITA-SCREENING MAY ACT AS A DATA CONTROLLER FOR ACCOUNT ADMINISTRATION AND AS A PROCESSOR FOR CERTAIN PROCESSING ACTIVITIES. WHERE REQUIRED, A DATA PROCESSING AGREEMENT MAY APPLY. 11.4 SECURITY LIMITATIONS. WHILE CAPITA-SCREENING USES REASONABLE SECURITY MEASURES, YOU ACKNOWLEDGE THAT NO SYSTEM IS COMPLETELY SECURE AND THAT TRANSMISSION OVER THE INTERNET CAN NEVER BE GUARANTEED 100% SECURE. YOU AGREE THAT CAPITA-SCREENING IS NOT RESPONSIBLE FOR UNAUTHORIZED ACCESS BEYOND ITS REASONABLE CONTROL, EXCEPT WHERE MANDATORY LAW PROVIDES OTHERWISE. 12. DISCLAIMERS; “AS IS” SERVICE; NO WARRANTIES 12.1 AS-IS; AS-AVAILABLE. THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, INCLUDING ALL CONTENT, TOOLS, AND SCREENING REPORTS, WITHOUT WARRANTY OF ANY KIND. 12.2 DISCLAIMER OF WARRANTIES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. 12.3 THIRD-PARTY DEPENDENCIES. THE SERVICES MAY RELY ON THIRD-PARTY PROVIDERS (PAYMENT PROCESSORS, VERIFICATION VENDORS, HOSTING SERVICES, COMMUNICATIONS PROVIDERS). CAPITA-SCREENING DOES NOT WARRANT UNINTERRUPTED AVAILABILITY OR ERROR-FREE PERFORMANCE OF THIRD-PARTY SERVICES AND IS NOT LIABLE FOR THIRD-PARTY OUTAGES, FAILURES, OR INACCURACIES. 12.4 NO GUARANTEE OF PROVIDER OUTCOMES. CAPITA-SCREENING DOES NOT GUARANTEE THAT ANY PROVIDER WILL ACCEPT A SCREENING REPORT, OFFER A SERVICE, ENTER A CONTRACT, PROVIDE HOUSING/EMPLOYMENT, OR MAKE A FAVORABLE DECISION. PROVIDER DECISIONS ARE OUTSIDE CAPITA-SCREENING’S CONTROL. 13. LIMITATION OF LIABILITY; EXCLUSION OF DAMAGES; LIABILITY CAP 13.1 EXCLUSION OF DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, REPUTATION, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 13.2 NO LIABILITY FOR CERTAIN EVENTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITA-SCREENING SHALL NOT BE LIABLE FOR: (I) PROVIDER DECISIONS OR PROVIDER RELIANCE; (II) APPLICANT-SUBMITTED INACCURACIES; (III) INTERRUPTIONS, DELAYS, OR FAILURES CAUSED BY THIRD PARTIES; (IV) SECURITY INCIDENTS BEYOND REASONABLE CONTROL; (V) LOSS OF ACCESS DUE TO PASSWORD LOSS; (VI) DELETION OF DATA UNDER THESE TERMS; OR (VII) ANY CLAIMS RELATING TO THE SUITABILITY, INTERPRETATION, OR LEGAL COMPLIANCE OF THE SCREENING REPORT FOR A PROVIDER’S PURPOSES. 13.3 LIABILITY CAP. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF CAPITA-SCREENING FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) EUR €10 OR (B) THE AMOUNT YOU PAID TO CAPITA-SCREENING FOR THE RELEVANT SCREENING PROCESS IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. 13.4 ESSENTIAL PURPOSE. THE PARTIES ACKNOWLEDGE THAT THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. 13.5 MANDATORY LAW CARVE-OUT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS. WHERE PROHIBITED, THE ABOVE LIMITATIONS WILL APPLY TO THE MAXIMUM EXTENT PERMITTED, AND YOUR RIGHTS UNDER MANDATORY LAW REMAIN UNAFFECTED. 13.6 CALIFORNIA WAIVER (IF APPLICABLE). IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE §1542 TO THE EXTENT LEGALLY PERMITTED. 14. INDEMNIFICATION; HOLD HARMLESS YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS CAPITA-SCREENING AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS (THE “INDEMNIFIED PARTIES”) FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, ACTIONS, LIABILITIES, LOSSES, DAMAGES, JUDGMENTS, PENALTIES, FINES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES AND INVESTIGATION COSTS) ARISING OUT OF OR RELATED TO: (I) YOUR USE OR MISUSE OF THE SERVICES; (II) YOUR BREACH OF THESE TERMS; (III) YOUR SUBMISSION OF FALSE, MISLEADING, UNLAWFUL, OR INFRINGING INFORMATION OR DOCUMENTS; (IV) ANY PROVIDER CLAIM ARISING FROM RELIANCE ON YOUR SCREENING REPORT OR YOUR CONDUCT; (V) ANY DISPUTE YOU INITIATE WITH A PAYMENT PROCESSOR; OR (VI) YOUR VIOLATION OF ANY LAW OR THIRD-PARTY RIGHTS. THIS INDEMNITY OBLIGATION SURVIVES TERMINATION OF THESE TERMS AND YOUR ACCOUNT. 15. TERMINATION; SUSPENSION; ENFORCEMENT 15.1 CAPITA-SCREENING’S RIGHTS. CAPITA-SCREENING MAY SUSPEND, RESTRICT, OR TERMINATE YOUR ACCOUNT OR ACCESS TO THE SERVICES AT ANY TIME IF IT REASONABLY BELIEVES YOU VIOLATED THESE TERMS, ENGAGED IN FRAUD, CREATED RISK TO THE COMPANY, OR IF REQUIRED BY LAW OR COMPLIANCE OBLIGATIONS. 15.2 EFFECT OF TERMINATION. UPON TERMINATION, YOUR RIGHTS TO ACCESS THE SERVICES CEASE IMMEDIATELY. CAPITA-SCREENING MAY RETAIN OR DELETE YOUR DATA IN ACCORDANCE WITH LAW AND ITS POLICIES. FEES PAID REMAIN NON-REFUNDABLE EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. 15.3 NO OBLIGATION TO STORE. CAPITA-SCREENING HAS NO OBLIGATION TO STORE, FORWARD, OR PROVIDE ACCESS TO DATA FROM TERMINATED ACCOUNTS, ACCOUNTS IN VIOLATION, OR ACCOUNTS DELETED FOR INACTIVITY, SUBJECT TO MANDATORY LAW. 16. GOVERNING LAW; LANGUAGE 16.1 GDPR REGULATIONS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE TERMS ARE GOVERNED BY THE SUBSTANTIVE REGULATIONS OF EUROPE, WITHOUT REGARD TO CONFLICT OF REGULATIVE RULES. 16.2 LANGUAGE. THE ENGLISH VERSION CONTROLS. ANY TRANSLATIONS ARE PROVIDED FOR CONVENIENCE ONLY. IN CASE OF DISCREPANCY, THE ENGLISH VERSION PREVAILS. 17. CHANGES TO THESE TERMS 17.1 CAPITA-SCREENING MAY REVISE THESE TERMS AT ANY TIME. UPDATES BECOME EFFECTIVE ON THE “LAST UPDATED” DATE. 17.2 YOUR CONTINUED USE OF THE SERVICES AFTER CHANGES TAKE EFFECT CONSTITUTES ACCEPTANCE. IF YOU DO NOT AGREE, YOUR EXCLUSIVE REMEDY IS TO STOP USING THE SERVICES AND CLOSE YOUR ACCOUNT. 18. SEVERABILITY IF ANY PROVISION IS HELD INVALID OR UNENFORCEABLE, THAT PROVISION WILL BE LIMITED OR REMOVED TO THE MINIMUM EXTENT NECESSARY, AND THE REMAINDER WILL REMAIN IN FULL FORCE AND EFFECT. 19. ENTIRE AGREEMENT; ASSIGNMENT; WAIVER 19.1 AS-IS SERVICE AND PROVIDER DECISIONS. YOU ACKNOWLEDGE AND AGREE THAT CAPITA-SCREENING PROVIDES THE SERVICES ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, WITHOUT CUSTOMIZATION OR TAILORING. WHILE CAPITA-SCREENING PROCESSES THE INFORMATION AS SUBMITTED BY THE APPLICANT, IT IS NEVER RESPONSIBLE FOR ANY DECISION MADE BY THE REQUESTING PROVIDER. 19.2 ASSIGNMENT. CAPITA-SCREENING MAY ASSIGN, TRANSFER, OR DELEGATE THESE TERMS OF SERVICE, IN WHOLE OR IN PART, AND ITS RIGHTS AND OBLIGATIONS HEREUNDER, AT ITS SOLE DISCRETION AND WITHOUT NOTICE OR CONSENT. YOU MAY NOT ASSIGN, TRANSFER, OR DELEGATE ANY OF YOUR RIGHTS OR OBLIGATIONS UNDER THESE TERMS OF SERVICE WITHOUT THE PRIOR WRITTEN CONSENT OF CAPITA-SCREENING. 19.3 BINDING AGREEMENT. THESE TERMS OF SERVICE, TOGETHER WITH ANY ADDITIONAL TERMS AND CONDITIONS AGREED TO BY YOU UPON INITIATING THE SCREENING PROCESS AND ASSOCIATED WITH YOUR ACCOUNT, CONSTITUTE A SINGLE, INTEGRATED, AND LEGALLY BINDING AGREEMENT BETWEEN YOU AND CAPITA-SCREENING. 19.4 PAYMENTS AND NON-REFUNDABILITY. ALL PAYMENTS MADE FOR THE SERVICES ARE FINAL AND STRICTLY NON-REFUNDABLE, IRRESPECTIVE OF THE OUTCOME OF ANY SCREENING, INCLUDING (WITHOUT LIMITATION) WHERE THE SCREENING RESULT IS UNFAVOURABLE, THE REQUESTING PROVIDER DECLINES OR DOES NOT ACCEPT THE SCREENING, OR THE OUTCOME OTHERWISE DIFFERS FROM YOUR EXPECTATIONS. BY PROCEEDING WITH THE SERVICES, YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED THESE TERMS OF SERVICE, AND THAT ALL PAYMENTS ARE NON-REFUNDABLE AND CARRY NO EXPIRY DATE. IN THE EVENT THAT THE APPLICANT BREACHES THESE TERMS OF SERVICE BY INITIATING, PURSUING, OR SUPPORTING ANY REFUND REQUEST, CHARGEBACK, OR PAYMENT DISPUTE, CAPITA-SCREENING RESERVES THE RIGHT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, TO RECOVER ALL REASONABLE COSTS INCURRED IN RESPONDING TO AND CONTESTING SUCH ACTIONS. SUCH COSTS MAY INCLUDE, WITHOUT LIMITATION, ADMINISTRATIVE, LEGAL, AND COLLECTION EXPENSES, UP TO A MAXIMUM OF EUR 990 PER CASE. ANY SUCH RECOVERY SHALL BE PURSUED STRICTLY IN ACCORDANCE WITH APPLICABLE LEGAL PROCEDURES. CAPITA-SCREENING SHALL NOT BE LIABLE FOR ANY COSTS, LOSSES, OR CONSEQUENCES ARISING FROM THE APPLICANT’S DECISION TO PROCEED WITH THE SERVICES, AND THE APPLICANT REMAINS SOLELY RESPONSIBLE FOR REVIEWING AND ACCEPTING THESE TERMS PRIOR TO MAKING ANY PAYMENT. 19.5 APPLICANT RESPONSIBILITY AND LIMITATION OF ROLE. YOU ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT ALL INFORMATION AND DOCUMENTATION YOU SUBMIT IS TRUE, ACCURATE, COMPLETE, CURRENT, AND NOT MISLEADING. CAPITA-SCREENING IS NOT RESPONSIBLE FOR, AND DOES NOT INFLUENCE, ANY OUTCOME, DECISION, OR ACTION TAKEN BY THE PROVIDER REQUESTING THE SCREENING. YOU EXPRESSLY AUTHORIZE CAPITA-SCREENING TO PROCESS, STORE, AND SHARE THE INFORMATION AND DOCUMENTATION YOU SUBMIT WITH THE REQUESTING PROVIDER FOR SCREENING AND VERIFICATION PURPOSES. CAPITA-SCREENING IS NOT A FINANCIAL, LEGAL, OR PROFESSIONAL ADVISORY FIRM, AND NOTHING PROVIDED BY CAPITA-SCREENING CONSTITUTES LEGAL, FINANCIAL, OR PROFESSIONAL ADVICE. CAPITA-SCREENING’S SERVICES ARE STRICTLY LIMITED TO COLLECTING, PROCESSING, AND TRANSMITTING APPLICANT-PROVIDED IDENTITY INFORMATION AND DOCUMENTATION. CAPITA-SCREENING DOES NOT ISSUE LEGALLY BINDING, CERTIFIED, OR LEGALLY VALIDATED DETERMINATIONS AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SCREENING RESULTS, PROVIDER DECISIONS, LEGAL CONSEQUENCES, OR RELIANCE BY ANY PROVIDER OR THIRD PARTY. ALL SCREENING OUTPUTS ARE BASED SOLELY ON INFORMATION SUBMITTED BY THE APPLICANT. 19.6 APPLICANT REPRESENTATIONS AND WARRANTIES. YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST EIGHTEEN (18) YEARS OF AGE, THAT YOU ARE THE TRUE AND LAWFUL INDIVIDUAL IDENTIFIED IN THE APPLICATION, AND THAT ALL INFORMATION AND DOCUMENTATION SUBMITTED IS ACCURATE, COMPLETE, AND PROVIDED BY YOU PERSONALLY. YOU FURTHER WARRANT THAT YOU ARE NOT SUBMITTING INFORMATION ON BEHALF OF ANY THIRD PARTY AND THAT YOU HAVE FULL LEGAL AUTHORITY TO SUBMIT ALL PROVIDED INFORMATION AND DOCUMENTATION. 19.7 NO ADVICE AND NO LIABILITY. YOU ACKNOWLEDGE AND AGREE THAT CAPITA-SCREENING DOES NOT PROVIDE LEGAL, FINANCIAL, OR PROFESSIONAL ADVICE, AND THAT NOTHING PROVIDED BY CAPITA-SCREENING IS LEGALLY BINDING. CAPITA-SCREENING ACCEPTS NO LIABILITY FOR ANY SCREENING RESULTS OR FOR ANY DECISIONS MADE BY A REQUESTING PROVIDER BASED ON SUCH RESULTS. ALL SCREENING FEES REMAIN STRICTLY NON-REFUNDABLE, INCLUDING WHERE THE PROVIDER’S DECISION OR RESPONSE IS NEGATIVE, DELAYED, INCONCLUSIVE, OR OTHERWISE UNSATISFACTORY. 19.8 PROVIDER DISCRETION. YOU UNDERSTAND AND AGREE THAT CAPITA-SCREENING HAS NO CONTROL OVER, AND BEARS NO RESPONSIBILITY FOR, WHETHER A REQUESTING PROVIDER FINDS THE SCREENING DETAILS, OUTPUTS, OR RESULTS SUFFICIENT OR ACCEPTABLE FOR ITS PURPOSES. ANY DECISION BY A PROVIDER TO REJECT, REQUEST ADDITIONAL INFORMATION, OR DECLINE RELIANCE ON A SCREENING RESULT SHALL NOT GIVE RISE TO ANY LIABILITY ON THE PART OF CAPITA-SCREENING. 19.9 ADDITIONAL OR REPEAT SCREENINGS. IF A REQUESTING PROVIDER REQUIRES AN ADDITIONAL SCREENING, A SECOND OPINION, OR FURTHER VERIFICATION OF THE APPLICANT OR ANY OTHER PARTY FOR ANY REASON, CAPITA-SCREENING BEARS NO RESPONSIBILITY FOR SUCH REQUESTS OR OUTCOMES. THE SERVICES ARE PROVIDED STRICTLY ON AN “AS-IS” BASIS. NO SCREENING OUTCOME SHALL EVER RESULT IN A REFUND, REIMBURSEMENT, REPAYMENT, OR CHARGEBACK. 19.10 SCOPE AND TIMEFRAME. YOU ACKNOWLEDGE THAT CAPITA-SCREENING IS NOT RESPONSIBLE FOR THE REQUIREMENTS, TIMELINES, PROCEDURES, OR INTERNAL DECISION-MAKING PROCESSES OF ANY REQUESTING PROVIDER. CAPITA-SCREENING’S ROLE IS STRICTLY LIMITED TO PERFORMING THE SCREENING PROCESS AS DESCRIBED. CAPITA-SCREENING ASSUMES NO LEGAL RESPONSIBILITY FOR ANY OUTCOMES OR DECISIONS MADE BY A PROVIDER BASED ON THE SCREENING RESULTS. 19.11 ENTIRE AGREEMENT. THESE TERMS OF SERVICE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND CAPITA-SCREENING REGARDING THE SERVICES AND SUPERSEDE ALL PRIOR OR CONTEMPORANEOUS COMMUNICATIONS, REPRESENTATIONS, UNDERSTANDINGS, OR AGREEMENTS, WHETHER WRITTEN OR ORAL.

DEFINITIONS IN THESE TERMS OF SERVICE, THE FOLLOWING TERMS, INDICATED WITH A CAPITAL LETTER, WHETHER SINGULAR OR PLURAL, SHALL HAVE THE MEANINGS SET FORTH BELOW. HEADINGS ARE FOR CONVENIENCE ONLY AND DO NOT AFFECT INTERPRETATION. WORDS SUCH AS “INCLUDING” AND “SUCH AS” SHALL BE INTERPRETED AS “INCLUDING WITHOUT LIMITATION.” ACCOUNT MEANS THE CAPITA-SCREENING ACCOUNT CREATED BY AN APPLICANT ON THE WEBSITE IN ORDER TO ACCESS AND PARTICIPATE IN SCREENING CHECKS, SCREENING WORKFLOWS, SCREENING UPLOADS, AND SCREENING REPORTS OFFERED BY CAPITA-SCREENING THROUGH THE WEBSITE AND/OR ANY AFFILIATED APPLICATION(S). APPLICANT’S SERVICE MEANS CAPITA-SCREENING’S APPLICANT-FACING SERVICE AND WORKFLOW AVAILABLE TO APPLICANTS, INCLUDING ANY ONBOARDING, IDENTITY VERIFICATION STEPS, BANK-ACCOUNT VERIFICATION STEPS, DOCUMENT UPLOAD MODULES, SCREENING QUESTIONNAIRES, AND THE GENERATION, DISPLAY, AND TRANSMISSION OF SCREENING OUTPUTS TO THE EXTENT OFFERED THROUGH THE WEBSITE. COMPANY MEANS CAPITA-SCREENING, THE CAPITA-SCREENING WEBSITE, AND THE CAPITA-SCREENING SERVICE, INCLUDING (AS APPLICABLE) ANY PARENT, SUBSIDIARY, AFFILIATE, SUCCESSOR, ASSIGNEE, CONTRACTORS, AGENTS, AND SERVICE PROVIDERS ACTING ON CAPITA-SCREENING’S BEHALF. CAPITA-SCREENING MEANS THE IDENTITY, FINANCIAL, AND/OR SUPPORTING SCREENING CHECK SERVICES PROVIDED BY THE COMPANY THAT GENERATE A SCREENING OUTPUT OR REPORT (INCLUDING A “CAPITA-SCREENING”) BASED ON INFORMATION SUBMITTED BY THE APPLICANT AND PROCESSED THROUGH THE COMPANY’S SYSTEMS, INCLUDING ANY ENHANCED OR PREMIUM SCREENING LAYERS THAT EXCEED “REGULAR” SCREENING SERVICES. APPLICANT MEANS THE NATURAL PERSON WHO REGISTERS FOR AN ACCOUNT VIA THE WEBSITE AND/OR WHO USES THE APPLICANT’S SERVICE TO SUBMIT INFORMATION, UPLOAD DOCUMENTATION, COMPLETE WORKFLOW STEPS, AND PARTICIPATE IN SCREENING CHECKS AND THE CREATION OF SCREENING OUTPUTS. TERMS OF SERVICE MEANS THESE UNDERLYING GENERAL TERMS OF SERVICE AND TERMS AND CONDITIONS THAT APPLY TO APPLICANTS WHO REGISTERED FOR AN ACCOUNT ON THE WEBSITE AND WHO WISH TO PARTICIPATE IN SCREENING CHECKS OFFERED BY CAPITA-SCREENING ON THE WEBSITE. THE APPLICANT AGREES THAT ALL INFORMATION, NOTICES, DISCLOSURES, AND ADDITIONAL TERMS DISPLAYED ON ANY PAGE/SCREEN/WEB SECTION/MOBILE SECTION WHERE THESE TERMS ARE LINKED OR REFERENCED APPLY AND ARE INCORPORATED BY REFERENCE. THE APPLICANT FURTHER ACKNOWLEDGES THAT CAPITA-SCREENING MAY OFFER ENHANCED OR PREMIUM SERVICES AND THAT, WHERE THE APPLICANT SELECTS SUCH OPTION(S), THE APPLICANT AGREES THAT THE RELEVANT FEE(S) ARE EARNED UPON INITIATION OF THE SELECTED SERVICE AND ARE NON-REFUNDABLE AS EXPLAINED DURING THE SCREENING PROCESS AND IN THESE TERMS OF SERVICE, EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. WEBSITE MEANS WWW.CAPITA-SCREENING.COM AND ANY SUCCESSOR URL(S), INCLUDING, IF APPLICABLE, ANY MOBILE VERSION, MOBILE APPLICATION VERSION, EMBEDDED WEBVIEWS, OR OTHER DIGITAL INTERFACE MADE AVAILABLE BY CAPITA-SCREENING. REFERENCES TO THE WEBSITE IN THESE TERMS INCLUDE CAPITA-SCREENING.COM AND CAPITA-SCREENING’S APP(S), UNLESS EXPRESSLY STATED OTHERWISE. BY PROCEEDING, THE APPLICANT CONFIRMS THAT THEY HAVE CAREFULLY READ, UNDERSTOOD, AND AGREED TO BE BOUND BY ALL TERMS SET OUT HEREIN, BOTH ABOVE AND BELOW, PRIOR TO CONTINUING. THE APPLICANT FURTHER ACKNOWLEDGES THAT ANY COMPLAINT, CLAIM, OR DISPUTE RAISED WHICH IS DEMONSTRABLY UNFOUNDED OR EXPRESSLY ADDRESSED WITHIN THESE TERMS MAY RESULT IN A FIXED ADMINISTRATIVE FEE OF EUR 750 (OR THE EQUIVALENT IN USD FOR THE UNITED STATES, GBP FOR THE UNITED KINGDOM, AND EUR FOR ALL OTHER REGIONS), PAYABLE TO CAPITA-SCREENING VIA A PAYMENT METHOD DESIGNATED BY CAPITA-SCREENING, TO THE EXTENT PERMITTED BY APPLICABLE LAW. FOR THE AVOIDANCE OF DOUBT, APPLICANTS ARE STRONGLY ADVISED TO REVIEW THESE TERMS IN FULL BEFORE PROCEEDING, AS CONTINUATION CONSTITUTES ACCEPTANCE OF THIS LEGALLY BINDING AGREEMENT. IN ADDITION, THE APPLICANT EXPRESSLY CONFIRMS THAT ALL INFORMATION SUBMITTED IS TRUE, ACCURATE, COMPLETE, AND NOT MISLEADING, AND ACCEPTS FULL RESPONSIBILITY FOR ANY CONSEQUENCES ARISING FROM INACCURATE, INCOMPLETE, OR FALSE INFORMATION. CAPITA-SCREENING SHALL NOT BE HELD LIABLE FOR ANY OUTCOME, DECISION, OR ACTION TAKEN BY THE REQUESTING PROVIDER OR ANY THIRD PARTY IN RELIANCE ON THE SCREENING REPORT OR RELATED INFORMATION. BY PROCEEDING, THE APPLICANT GRANTS CAPITA-SCREENING AUTHORISATION TO PROCESS, HANDLE, AND TRANSMIT SUBMITTED INFORMATION AND DOCUMENTATION STRICTLY FOR SCREENING AND VERIFICATION PURPOSES IN ACCORDANCE WITH THE APPLICABLE TERMS AND CONDITIONS AND TERMS OF SERVICE. CAPITA-SCREENING DOES NOT ACT AS A FINANCIAL, LEGAL, OR PROFESSIONAL ADVISORY ENTITY, AND NOTHING PROVIDED SHALL BE CONSTRUED AS LEGAL, FINANCIAL, OR OTHER PROFESSIONAL ADVICE. THE SERVICE IS STRICTLY LIMITED TO THE COLLECTION, PROCESSING, AND TRANSMISSION OF APPLICANT-PROVIDED INFORMATION AND SUPPORTING DOCUMENTATION. CAPITA-SCREENING DOES NOT PROVIDE LEGALLY BINDING, CERTIFIED, OR VALIDATED DETERMINATIONS AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SCREENING RESULTS, OUTCOMES, LEGAL IMPLICATIONS, OR RELIANCE PLACED UPON SUCH RESULTS. ALL OUTPUTS ARE BASED SOLELY ON THE INFORMATION SUBMITTED BY THE APPLICANT. BY GENERATING A SCREENING KYC REPORT, THE APPLICANT CONFIRMS THAT ALL INFORMATION HAS BEEN PROVIDED TRUTHFULLY, ACCURATELY, AND IN GOOD FAITH, AND THAT THEY FULLY ACCEPT THESE TERMS. NOTICE OF RECURRING SERVICES UNLESS STATED OTHERWISE IN WRITING BY THE COMPANY OR DISPLAYED AT CHECKOUT, SUBSCRIPTIONS AND RECURRING SERVICES AUTOMATICALLY RENEW UNDER THIS AGREEMENT UNLESS CANCELED BEFORE THE END OF THE THEN-CURRENT TERM. TO CANCEL A SUBSCRIPTION, THE APPLICANT MUST FOLLOW THE CANCELLATION INSTRUCTIONS PRESENTED AT SIGNUP AND/OR CONTACT THE PAYMENT PROCESSOR USED TO SUBSCRIBE, AND/OR USE ANY CANCELLATION FUNCTIONALITY PROVIDED WITHIN THE ACCOUNT. ON RENEWAL, THE APPLICANT’S PAYMENT METHOD WILL BE CHARGED AUTOMATICALLY AT THE RATE IN EFFECT FOR THE SUBSCRIPTION AT THE TIME OF RENEWAL UNLESS MANDATORY LAW REQUIRES ADDITIONAL NOTICE OR CONSENT. 1. INTRODUCTION 1.1 THE WEBSITE ENABLES APPLICANTS TO PURCHASE ACCESS TO SCREENING SERVICES AND SCREENING REPORTS, INCLUDING ENHANCED SCREENING CHECK SERVICES THAT MAY EXCEED “REGULAR” SCREENING SOLUTIONS, AND TO IMPORT INFORMATION, UPLOAD DOCUMENTS, PROVIDE DECLARATIONS, AND COMPLETE A SCREENING WORKFLOW THAT MAY BE REQUESTED BY ONE OR MORE THIRD-PARTY PROVIDERS, LANDLORDS, EMPLOYERS, PLATFORMS, INSTITUTIONS, COUNTERPARTIES, OR OTHER ENTITIES (EACH A “REQUESTING PROVIDER”). 1.2 THESE TERMS APPLY TO ALL USERS OF THE WEBSITE WHO ACCESS APPLICANT-FACING WORKFLOWS, WHETHER AS AN “APPLICANT” OR AS PART OF AN APPLICANT’S HOUSEHOLD WHERE APPLICABLE. BY CHECKING THE APPROPRIATE BOX DURING SIGN-UP, CREATING AN ACCOUNT, INITIATING A SCREENING FLOW, PURCHASING A ONE-TIME PAYMENT, PURCHASING A PREMIUM SUBSCRIPTION, OR ACCESSING ANY PORTION OF THE WEBSITE, THE APPLICANT ENTERS INTO A BINDING AGREEMENT WITH THE COMPANY. IF THE APPLICANT DOES NOT AGREE, THE APPLICANT MUST NOT USE THE WEBSITE. IF THE APPLICANT BREACHES ANY PART OF THESE TERMS, THE COMPANY MAY REVOKE THE APPLICANT’S LICENSE TO ACCESS THE WEBSITE, BLOCK ACCESS, SUSPEND OR TERMINATE THE ACCOUNT, AND TERMINATE ANY SUBSCRIPTION (IF APPLICABLE), AND THE APPLICANT REMAINS RESPONSIBLE FOR ALL ACCRUED OBLIGATIONS AND AMOUNTS DUE. 1.3 THE COMPANY MAY CHANGE THESE TERMS BY UPDATING THE RELEVANT PAGE(S). THE “LAST UPDATED” DATE (IF SHOWN) INDICATES WHEN CHANGES TAKE EFFECT. CHANGES WILL NOT OPERATE RETROACTIVELY TO IMPAIR MANDATORY STATUTORY RIGHTS. THE COMPANY MAY ATTEMPT TO NOTIFY APPLICANTS IN A REASONABLE MANNER (FOR EXAMPLE, BY EMAIL OR IN-PRODUCT NOTICE), BUT THE APPLICANT IS RESPONSIBLE FOR CHECKING THESE TERMS REGULARLY. CONTINUED USE AFTER CHANGES CONSTITUTES ACCEPTANCE. IF THE APPLICANT DOES NOT AGREE, THE SOLE REMEDY IS TO STOP USING THE WEBSITE AND SERVICES AND TO CANCEL ANY SUBSCRIPTION IN ACCORDANCE WITH THESE TERMS AND THE PAYMENT PROCESSOR’S RULES. 1.4 QUESTIONS REGARDING THESE TERMS OR THE WEBSITE MUST BE SUBMITTED VIA THE COMPANY’S CONTACT FORM OR OTHER OFFICIAL SUPPORT CHANNEL MADE AVAILABLE ON THE WEBSITE. THE COMPANY MAY REQUIRE IDENTITY VERIFICATION BEFORE DISCUSSING ACCOUNT-SPECIFIC MATTERS. 2. AFFIRMATIVE REPRESENTATIONS THE WEBSITE MAY CONTAIN CONTENT UNSUITABLE FOR MINORS AND IS NOT INTENDED FOR CHILDREN. BY ACCESSING OR USING THE WEBSITE, THE APPLICANT REPRESENTS, WARRANTS, AND AFFIRMS ALL OF THE FOLLOWING AS CONTINUING OBLIGATIONS (NOT MERELY AT THE TIME OF SIGNUP): 2.1 THE APPLICANT (1) IS AT LEAST 18 YEARS OLD, (2) HAS THE LEGAL CAPACITY AND AUTHORITY TO ENTER INTO THIS AGREEMENT, AND (3) WHERE HOUSEHOLD REFERENCES ARE USED, CONFIRMS THAT AT LEAST ONE ADULT WITH LEGAL CAPACITY IS RESPONSIBLE FOR THE HOUSEHOLD’S ACCESS AND USE. 2.2 ALL INFORMATION PROVIDED TO THE COMPANY IS TRUTHFUL, ACCURATE, COMPLETE, CURRENT, AND NOT MISLEADING; THE APPLICANT WILL PROMPTLY UPDATE INFORMATION IF IT CHANGES OR BECOMES INACCURATE, AND ACKNOWLEDGES THAT INACCURACIES MAY RESULT IN DELAYS, REJECTIONS BY REQUESTING PROVIDERS, TERMINATION OF ACCESS, OR ADDITIONAL VERIFICATION REQUESTS. 2.3 THE APPLICANT OWNS (OR HAS LAWFUL PERMISSION TO USE) THE BANK ACCOUNT, DEBIT CARD, CREDIT CARD, OR OTHER PAYMENT METHOD USED AND AUTHORIZES THE COMPANY AND/OR ITS PAYMENT PROCESSOR TO CHARGE THE PAYMENT METHOD ACCORDING TO THE APPLICANT’S SELECTED PURCHASE, INCLUDING RECURRING CHARGES WHERE APPLICABLE. 2.4 THE APPLICANT IS NOT ACCESSING THE WEBSITE FROM ANY JURISDICTION WHERE SUCH ACCESS OR USE IS ILLEGAL OR WOULD EXPOSE THE COMPANY TO REGULATORY OR LEGAL RISK, AND THE APPLICANT IS SOLELY RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS AND REGULATIONS. 2.5 TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APPLICANT RELEASES AND DISCHARGES THE COMPANY, ITS OWNERS, STAFF, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS FROM LIABILITY THAT MAY ARISE FROM THE APPLICANT’S MISUSE, MISREPRESENTATION, UNLAWFUL CONDUCT, OR VIOLATION OF THESE TERMS, INCLUDING CLAIMS ARISING FROM APPLICANT-SUBMITTED INFORMATION, PROVIDER DECISIONS, OR THIRD-PARTY RELIANCE. 2.6 THE APPLICANT ACKNOWLEDGES THAT THE COMPANY MAY WORK WITH LEGAL COUNSEL AND MAY HAVE LEGAL PROFESSIONALS INVOLVED IN OPERATING OR SUPPORTING THE WEBSITE; HOWEVER, ACCESS TO OR USE OF THE WEBSITE DOES NOT CREATE AN ATTORNEY-CLIENT RELATIONSHIP, FIDUCIARY RELATIONSHIP, ADVISORY RELATIONSHIP, OR PROFESSIONAL-CLIENT RELATIONSHIP BETWEEN THE APPLICANT AND THE COMPANY OR ANY COUNSEL. ANY SUCH RELATIONSHIP EXISTS ONLY IF EXPRESSLY FORMED VIA A SIGNED ENGAGEMENT LETTER EXECUTED BY THE PARTIES. 3. PAYMENT PROCESSING 3.1 THE COMPANY MAY WITHDRAW, MODIFY, SUSPEND, OR DISCONTINUE THE WEBSITE (IN WHOLE OR PART) AND ANY SERVICE OR MATERIAL PROVIDED THROUGH IT, IN ITS SOLE DISCRETION, WITH OR WITHOUT NOTICE, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE COMPANY IS NOT LIABLE IF, FOR ANY REASON, ANY PART OF THE WEBSITE IS UNAVAILABLE AT ANY TIME OR FOR ANY PERIOD. THE COMPANY MAY RESTRICT ACCESS TO SOME PARTS OF THE WEBSITE OR THE ENTIRE WEBSITE, INCLUDING FOR SECURITY, VERIFICATION, COMPLIANCE, FRAUD PREVENTION, MAINTENANCE, SYSTEM INTEGRITY, OR OPERATIONAL REASONS. THE APPLICANT IS RESPONSIBLE FOR MAKING ALL ARRANGEMENTS NECESSARY TO ACCESS THE WEBSITE. 3.2 THE APPLICANT ACKNOWLEDGES THAT IN ORDER TO CONTINUE WITH CERTAIN SCREENING WORKFLOWS, THE APPLICANT MUST PAY THE AMOUNT PRESENTED ON THE WEBSITE AT THE TIME OF SELECTION, AND THAT SUCH PAYMENT IS REQUIRED TO INITIATE PROCESSING STEPS THAT MAY INCLUDE BANK-ACCOUNT VERIFICATION, IDENTITY CHECKS, DOCUMENT INTAKE, WORKFLOW EXECUTION, AND GENERATION/TRANSMISSION OF SCREENING OUTPUTS. 3.3 NON-REFUNDABLE NATURE (CORE RULE). EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE, ONCE THE APPLICANT SELECTS AND CONFIRMS A ONE-TIME PAYMENT (INCLUDING BANK-ACCOUNT VERIFICATION) TO CONTINUE OR INITIATE A SCREENING PROCESS, THE PAYMENT IS NON-REFUNDABLE BECAUSE THE SERVICE IS DEEMED INITIATED AND RESOURCES ARE ALLOCATED, INCLUDING THIRD-PARTY PROCESSING AND OPERATIONAL HANDLING. THE APPLICANT EXPRESSLY AGREES THAT DISSATISFACTION WITH ANY OUTCOME, DELAY, PROVIDER DECISION, OR PERCEIVED USEFULNESS DOES NOT CREATE ANY RIGHT TO A REFUND, CREDIT, OR REVERSAL. 3.4 THE APPLICANT ACKNOWLEDGES THAT THE NON-REFUNDABLE PAYMENT CONSTITUTES CONSIDERATION FOR THE SCREENING SERVICE INITIATION AND FOR ENABLING THE APPLICANT TO PROCEED WITH THE UPLOAD AND SUBMISSION OF IN-DEPTH IDENTITY AND FINANCIAL INFORMATION FOR PROCESSING AND TRANSMISSION TO THE REQUESTING PROVIDER(S). 3.5 THE APPLICANT CONFIRMS THAT, BY CONTINUING, THE APPLICANT HAS READ AND ACCEPTED THAT THE AMOUNT PAID IS NON-REFUNDABLE, EARNED UPON INITIATION, AND NOT CONTINGENT ON ANY PARTICULAR OUTCOME, PROVIDER ACCEPTANCE, OR DECISION. 3.6 THE APPLICANT ACKNOWLEDGES THAT BANK-ACCOUNT VERIFICATION MAY INVOLVE A NOMINAL VERIFICATION TRANSACTION OF €0.01 OR $0.01 (ONE CENT) (OR THE EQUIVALENT), AND THAT SUCH TRANSACTION IS USED AS A TECHNICAL VERIFICATION MECHANISM AND/OR TO CONFIRM ACCOUNT CONTROL, ROUTING, AND ELIGIBILITY SIGNALS (AS APPLICABLE). 3.7 WHERE THE APPLICANT SELECTS AN OPTION THAT INCLUDES BANK-ACCOUNT VERIFICATION AS A ONE-TIME PAID STEP, THE APPLICANT AGREES THAT THE FEE IS NON-REFUNDABLE AND THAT THE VERIFICATION STEP MAY BE PERFORMED THROUGH PAYMENT PROCESSORS, INTEGRATORS, BANKING RAILS, AND/OR THIRD-PARTY SYSTEMS. 3.8 OPTIONALLY, AND AS AN ADDITIONAL SERVICE; THE APPLICANT MAY ALSO SELECT A PREMIUM SERVICE OFFERED BY THE COMPANY. UNLESS EXPLICITLY STATED OTHERWISE AND EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE, PREMIUM SERVICE FEES ARE NON-REFUNDABLE, AND RECURRING BILLING CONTINUES UNTIL PROPERLY CANCELED IN ACCORDANCE WITH SECTION 10 AND THE PAYMENT PROCESSOR’S PROCEDURES. ANY INCONSISTENCY BETWEEN CHECKOUT DISCLOSURES AND THESE TERMS SHALL BE RESOLVED TO THE EXTENT REQUIRED BY APPLICABLE LAW, AND OTHERWISE IN FAVOR OF THE INTERPRETATION THAT BEST PRESERVES THE COMPANY’S NON-REFUND AND EARNED-UPON-INITIATION POSITION. 4. YOUR SCREENING REPORT 4.1 ACCOUNT AND SCREENING REPORT. THE APPLICANT ACKNOWLEDGES AND AGREES THAT COMPLETION OF THE SCREENING PROCESS REQUIRES THE APPLICANT TO PROVIDE ACCURATE INFORMATION AS PROMPTED BY FORMS, QUESTIONNAIRES, AND UPLOAD REQUESTS. THE APPLICANT UNDERSTANDS THAT SCREENING OUTPUTS ARE GENERATED FROM APPLICANT-SUBMITTED INFORMATION AND PROCESSING RULES AND MAY BE IMPACTED BY OMISSIONS, FORMATTING ISSUES, TECHNICAL LIMITS, THIRD-PARTY VERIFICATION CONSTRAINTS, OR PROVIDER-SPECIFIC REQUIREMENTS. 4.2 RESPONSIBILITY FOR ACCOUNT. THE APPLICANT IS RESPONSIBLE FOR MAINTAINING CONFIDENTIALITY OF LOGIN CREDENTIALS AND FOR ALL ACTIVITY OCCURRING UNDER THE ACCOUNT, WHETHER AUTHORIZED OR NOT. THE APPLICANT MUST PROMPTLY NOTIFY THE COMPANY OF ANY UNAUTHORIZED ACCESS OR BREACH AND MUST COOPERATE WITH REASONABLE SECURITY MEASURES. 4.3 LIABILITY FOR ACCOUNT MISUSE. THE COMPANY IS NOT LIABLE FOR LOSSES INCURRED DUE TO SOMEONE ELSE USING THE APPLICANT’S PASSWORD OR ACCOUNT, WHETHER WITH OR WITHOUT THE APPLICANT’S KNOWLEDGE. THE APPLICANT MAY BE HELD LIABLE FOR LOSSES INCURRED BY THE COMPANY OR A THIRD PARTY ARISING FROM ACCOUNT MISUSE, INCLUDING FRAUD, MISREPRESENTATION, OR UNAUTHORIZED SUBMISSIONS. 4.4 USE OF OTHER ACCOUNTS. THE APPLICANT MUST NOT USE OR ATTEMPT TO USE ANY OTHER PERSON’S ACCOUNT OR IMPERSONATE ANY PERSON OR ENTITY. THE COMPANY MAY SUSPEND OR TERMINATE ACCESS IMMEDIATELY UPON SUSPICION OF IMPERSONATION, FRAUD, OR MISUSE. 4.5 ACCOUNT SECURITY AND RISK ALLOCATION. THE COMPANY TAKES REASONABLE MEASURES DESIGNED TO PROTECT THE INTEGRITY AND SECURITY OF PERSONAL INFORMATION, BUT CANNOT GUARANTEE THAT UNAUTHORIZED THIRD PARTIES WILL NEVER DEFEAT SECURITY MEASURES. THE APPLICANT ACKNOWLEDGES THAT INFORMATION IS PROVIDED AT THE APPLICANT’S OWN RISK AND THAT NO SYSTEM IS PERFECTLY SECURE. 4.6 COMMUNICATION PREFERENCES. BY REGISTERING FOR AN ACCOUNT, THE APPLICANT CONSENTS TO RECEIVE ELECTRONIC COMMUNICATIONS RELATING TO THE ACCOUNT AND SERVICES, INCLUDING NOTICES OF PAYMENT AUTHORIZATIONS, WORKFLOW STATUS, PASSWORD CHANGES, CONFIRMATIONS, REQUIRED-DOCUMENT REQUESTS, AND OTHER TRANSACTIONAL INFORMATION. THE APPLICANT AGREES SUCH ELECTRONIC COMMUNICATIONS SATISFY LEGAL REQUIREMENTS THAT COMMUNICATIONS BE IN WRITING. THE COMPANY RECOMMENDS THE APPLICANT RETAIN COPIES. THE APPLICANT ALSO CONSENTS TO RECEIVE CERTAIN OPTIONAL COMMUNICATIONS (SUCH AS FEATURE UPDATES AND PROMOTIONAL NOTICES) SUBJECT TO THE PRIVACY POLICY AND APPLICABLE LAW. THE APPLICANT ACKNOWLEDGES THAT SOME COMMUNICATIONS MAY REFERENCE SENSITIVE SCREENING TOPICS; HOWEVER, THE COMPANY WILL USE REASONABLE MEASURES TO AVOID UNNECESSARY DISCLOSURE IN MESSAGE CONTENT, CONSISTENT WITH THE PRIVACY POLICY. 5. AGE RESTRICTION 5.1 ONLY ADULTS (1) WHO ARE AT LEAST EIGHTEEN (18) YEARS OLD AND (2) WHO HAVE REACHED THE AGE OF MAJORITY WHERE THEY LIVE MAY ACCESS OR USE THE WEBSITE OR SERVICES. THE COMPANY FORBIDS ACCESS BY ANY PERSON WHO DOES NOT MEET THESE AGE REQUIREMENTS. BY CREATING AN ACCOUNT, SUBMITTING ANY INFORMATION, MAKING ANY PAYMENT, OR CONTINUING A WORKFLOW, THE APPLICANT REPRESENTS AND WARRANTS COMPLIANCE WITH THIS AGE RESTRICTION, AND ACKNOWLEDGES THAT ANY BREACH MAY RESULT IN IMMEDIATE SUSPENSION OR TERMINATION WITHOUT REFUND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. 6. PAYMENT VERIFICATION 6.1 THE APPLICANT MAY CONTINUE WITH IDENTITY AND FINANCIAL UPLOADS AFTER COMPLETING PAYMENT VERIFICATION STEPS PRESENTED IN THE WORKFLOW. THE APPLICANT ACKNOWLEDGES THAT VERIFICATION STEPS MAY INCLUDE THIRD-PARTY PROCESSING, DELAYS, ADDITIONAL PROMPTS, OR REQUESTS FOR FURTHER INFORMATION AND THAT THE COMPANY MAY SUSPEND PROGRESSION UNTIL VERIFICATION IS COMPLETED. 6.2 THE APPLICANT ACKNOWLEDGES THAT ONCE CONTINUING BEYOND THE PAYMENT STEP, AMOUNTS PAID REMAIN NON-REFUNDABLE AND EARNED UPON INITIATION (SUBJECT ONLY TO MANDATORY LAW). IF THE APPLICANT STOPS MID-PROCESS, FAILS TO UPLOAD DOCUMENTS, OR FAILS TO RESPOND TO REQUESTS, NO REFUND IS DUE. 7. TERMINATION 7.1 TERMINATION ON NOTICE. EITHER PARTY MAY TERMINATE THIS AGREEMENT BY NOTIFYING THE OTHER PARTY IN WRITING. A NON-PREMIUM USER MAY ALSO TERMINATE BY DISCONTINUING USE OF THE WEBSITE. TERMINATION DOES NOT UNDO COMPLETED SERVICES OR AFFECT ACCRUED PAYMENT OBLIGATIONS. 7.2 TERMINATION BY THE COMPANY. THE COMPANY MAY SUSPEND, DISABLE, LIMIT, OR TERMINATE ACCESS IF IT DETERMINES THE APPLICANT BREACHED THESE TERMS, ENGAGED IN FRAUD OR MISUSE, SUBMITTED MISLEADING OR UNLAWFUL INFORMATION, ATTEMPTED CHARGEBACKS IN BAD FAITH, OR ENGAGED IN CONDUCT THAT COULD HARM THE COMPANY, ITS SYSTEMS, OR ITS REPUTATION. THE COMPANY MAY BLOCK IDENTIFIERS (INCLUDING EMAIL AND IP) TO PREVENT FURTHER ACCESS WHERE LEGALLY PERMITTED. 7.3 EFFECT OF TERMINATION. UPON TERMINATION, THE APPLICANT’S RIGHT TO ACCESS THE WEBSITE ENDS IMMEDIATELY. TERMINATION DOES NOT RELIEVE THE APPLICANT OF OBLIGATIONS ACCRUED PRIOR TO TERMINATION, INCLUDING PAYMENT OBLIGATIONS, INDEMNITIES, DISPUTE OBLIGATIONS, AND NON-REFUND PROVISIONS. IF THE APPLICANT HAS A PREMIUM SUBSCRIPTION, THE APPLICANT IS SOLELY RESPONSIBLE FOR CANCELING RECURRING BILLING IN ACCORDANCE WITH SECTION 10 AND THE PAYMENT PROCESSOR’S PROCEDURES. 7.4 SURVIVAL. PROVISIONS THAT BY THEIR NATURE SHOULD SURVIVE TERMINATION SHALL SURVIVE, INCLUDING OWNERSHIP, LICENSES, CONFIDENTIALITY, DISCLAIMERS, LIMITATION OF LIABILITY, DISPUTE RESOLUTION, AND INDEMNIFICATION. 8. CHANGES TO THE WEBSITE AND SERVICE 8.1 THE COMPANY MAY UPDATE CONTENT, FEATURES, WORKFLOWS, AND SCREENING LOGIC FROM TIME TO TIME. THE APPLICANT ACKNOWLEDGES CONTENT MAY NOT BE COMPLETE OR UP TO DATE AND THAT THE COMPANY IS NOT REQUIRED TO UPDATE ANY MATERIAL. THE COMPANY MAY CHANGE THE PRESENTATION OF STEPS (INCLUDING WHEN AND HOW VERIFICATION OCCURS) WITHOUT LIABILITY, PROVIDED THE APPLICANT’S MANDATORY LEGAL RIGHTS ARE PRESERVED. 9. SERVICE RESPONSIBILITY 9.1 APPLICANT CONTENT AND RESPONSIBILITY. THE COMPANY IS NOT RESPONSIBLE FOR VERIFYING THAT APPLICANT-SUBMITTED CONTENT (INCLUDING DOCUMENTS, IMAGES, STATEMENTS, AND UPLOADS) DOES NOT INFRINGE THIRD-PARTY INTELLECTUAL PROPERTY RIGHTS, PRIVACY RIGHTS, OR OTHER RIGHTS. THE APPLICANT WARRANTS THAT IT HAS ALL NECESSARY RIGHTS AND PERMISSIONS TO SUBMIT ALL CONTENT AND DOCUMENTATION AND THAT SUBMISSION DOES NOT VIOLATE ANY LAW OR ANY THIRD-PARTY RIGHTS. THE APPLICANT GRANTS THE COMPANY A LIMITED LICENSE TO HOST, PROCESS, TRANSMIT, DISPLAY (AS NEEDED), AND OTHERWISE USE APPLICANT CONTENT SOLELY TO PROVIDE AND IMPROVE THE SERVICES, COMPLY WITH LEGAL OBLIGATIONS, PREVENT FRAUD, ENFORCE THESE TERMS, AND PRODUCE SCREENING OUTPUTS FOR THE REQUESTING PROVIDER(S) AS DIRECTED BY THE APPLICANT OR AS REQUIRED BY THE WORKFLOW. 10. OPTIONAL PREMIUM SUBSCRIPTION, TRIAL SUBSCRIPTIONS, BILLING, AND CANCELLATION 10.1 PREMIUM SUBSCRIPTION(S) MAY BE OFFERED SEPARATELY AND ARE NOT STANDARD; THEY MAY BE PROVIDED UPON REQUEST OR SELECTION BY THE APPLICANT AND/OR AS PART OF ENHANCED SCREENING SERVICES. ANY PREMIUM FEATURES, SCOPE, LIMITATIONS, AND PRICING WILL BE DISCLOSED AT SIGNUP/CHECKOUT OR WITHIN THE WORKFLOW. 10.2 THE APPLICANT’S PREMIUM SUBSCRIPTION (INCLUDING ANY TRIAL) RENEWS AUTOMATICALLY UNLESS CANCELED BEFORE RENEWAL. THE APPLICANT MUST MAINTAIN A VALID PAYMENT METHOD. THE COMPANY AND/OR ITS PAYMENT PROCESSOR WILL BILL APPLICABLE FEES. FAILURE TO CANCEL BEFORE RENEWAL RESULTS IN THE NEXT TERM BEING CHARGED. 10.3 THE COMPANY MAY OFFER MULTIPLE MEMBERSHIP PLANS WITH DIFFERING CONDITIONS AND LIMITATIONS. MATERIAL TERMS DISCLOSED AT SIGNUP GOVERN THAT PLAN. 10.4 IF A ONE-CENT TRIAL SUBSCRIPTION (IF OFFERED) IS SELECTED, BILLING BEGINS AT THE END OF THE TRIAL UNLESS CANCELED BEFOREHAND. THE COMPANY/PAYMENT PROCESSOR MAY AUTHORIZE THE PAYMENT METHOD TO VALIDATE IT, AND SUCH AUTHORIZATION MAY REDUCE AVAILABLE BALANCE/CREDIT. THE APPLICANT IS RESPONSIBLE FOR CANCELLATION TIMING AND PAYMENT PROCESSOR PROCEDURES. 10.5 IF THE APPLICANT CHOOSES A PREMIUM SUBSCRIPTION, THE APPLICANT MAY REQUEST CANCELLATION VIA THE CONTACT FORM USING THE SUBJECT “STOP PREMIUM SERVICE” AND/OR BY CANCELING VIA THE PAYMENT PROCESSOR METHOD USED TO SUBSCRIBE. THE COMPANY MAY REQUIRE ACCOUNT VERIFICATION TO PREVENT UNAUTHORIZED CANCELLATION. CANCELLATION TAKES EFFECT AS DESCRIBED AT CHECKOUT OR, IF NOT SPECIFIED, AT THE END OF THE THEN-CURRENT BILLING TERM, UNLESS MANDATORY LAW REQUIRES OTHERWISE. 10.6 THE APPLICANT MAY RECEIVE INVOICES/RECEIPTS AND REMINDERS. THE APPLICANT ACKNOWLEDGES THAT PREMIUM FEES ARE GENERALLY NON-REFUNDABLE AND EARNED AS BILLED, SUBJECT TO MANDATORY LAW. 10.7 BY STARTING PREMIUM SERVICE, THE APPLICANT AUTHORIZES THE COMPANY/PAYMENT PROCESSOR TO CHARGE THE SUBSCRIPTION FEE, TAXES, AND APPLICABLE TRANSACTION FEES. RENEWALS OCCUR AT THE THEN-CURRENT APPLICABLE RATE UNLESS MANDATORY LAW REQUIRES ADDITIONAL CONSENT OR NOTICE. 10.8 THE COMPANY MAY ADJUST PRICING AT ANY TIME. WHERE REQUIRED, THE COMPANY WILL PROVIDE LEGALLY REQUIRED NOTICE BEFORE CHANGES TAKE EFFECT. 10.9 SUBSCRIPTION FEES ARE EARNED AS BILLED. THE COMPANY/PAYMENT PROCESSOR BILLS AT THE START OF EACH TERM UNLESS STATED OTHERWISE. 10.10 BILLING DISPUTES. THE APPLICANT MUST NOTIFY THE COMPANY IN WRITING WITHIN THIRTY (30) DAYS OF THE DISPUTED CHARGE APPEARING. FAILURE TO DO SO WAIVES THE DISPUTE TO THE MAXIMUM EXTENT PERMITTED BY LAW. DISPUTES MUST INCLUDE DETAIL AND SUPPORTING INFORMATION. 10.11 CHARGEBACKS. IF THE APPLICANT INITIATES A CHARGEBACK OR PAYMENT REVERSAL WITHOUT FIRST SUBMITTING A GOOD-FAITH DISPUTE UNDER SECTION 10.10, THE APPLICANT IS LIABLE FOR CHARGEBACK AMOUNTS AND RELATED FEES. WHERE PERMITTED BY LAW, THE APPLICANT ALSO AGREES TO PAY LIQUIDATED DAMAGES OF $ / € 1.500 PER CHARGEBACK PLUS REASONABLE COLLECTION/ADMINISTRATIVE COSTS, REFLECTING OPERATIONAL HARM AND INTERNAL PROCESSING BURDENS, PROVIDED THAT SUCH AMOUNTS DO NOT EXCEED WHAT APPLICABLE LAW PERMITS. 10.12 NO REFUNDS; DISCRETIONARY CREDITS. ALL PURCHASES ARE FINAL WHEN MADE, EXCEPT THAT THE COMPANY MAY, IN ITS SOLE DISCRETION, ISSUE A REFUND OR CREDIT IF EXCEPTIONAL CIRCUMSTANCES EXIST AND IF NOT PROHIBITED BY APPLICABLE LAW. ANY REFUND (IF GRANTED) MAY BE ISSUED ONLY TO THE ORIGINAL PAYMENT METHOD AND IN THE ORIGINAL CURRENCY (OR AS OTHERWISE REQUIRED BY LAW). ONE DISCRETIONARY REFUND DOES NOT CREATE PRECEDENT. 10.13 CANCELLATION EFFECTS. CANCELLATION STOPS FUTURE BILLING ONLY. THE COMPANY DOES NOT PROVIDE REFUNDS FOR PARTIAL BILLING PERIODS EXCEPT WHERE MANDATORY LAW REQUIRES. THE APPLICANT REMAINS RESPONSIBLE FOR CHARGES INCURRED BEFORE CANCELLATION TAKES EFFECT. 10.14 NON-REFUNDABLE ACKNOWLEDGMENT. THE APPLICANT AGREES PREMIUM PAYMENTS ARE NON-REFUNDABLE AND NON-CREDITABLE EXCEPT WHERE REQUIRED BY MANDATORY LAW, AND THE APPLICANT BEARS RESPONSIBILITY FOR TIMELY CANCELLATION. 10.15 LIMITED REFUND WINDOW (IF AND ONLY IF OFFERED). IF THE COMPANY EXPLICITLY OFFERS A 30-DAY REFUND WINDOW FOR A PARTICULAR PREMIUM PLAN IN THE CHECKOUT DISCLOSURE, THEN THE APPLICANT MAY CANCEL WITHIN THIRTY (30) DAYS OF THE INITIAL PURCHASE AND REQUEST A PRO-RATED REFUND FOR UNUSED FULL DAYS OF SERVICE, EXCLUDING PROCESSING FEES WHERE PERMITTED. IF NO SUCH OFFER IS DISCLOSED AT CHECKOUT, NO REFUND WINDOW APPLIES EXCEPT WHERE MANDATORY LAW REQUIRES. 10.16 CURRENCY AND METHOD. ANY REFUND (IF GRANTED) WILL BE IN THE ORIGINAL PAYMENT CURRENCY AND TO THE ORIGINAL PAYMENT METHOD UNLESS MANDATORY LAW REQUIRES OTHERWISE. 10.17 PROCESSOR DISPUTES. IF THE APPLICANT RELIES ON THIRD-PARTY DISPUTE/CHARGEBACK MECHANISMS, THE APPLICANT ACKNOWLEDGES THE COMPANY MAY SUSPEND THE ACCOUNT PENDING RESOLUTION AND MAY RECOVER PROCESSOR DISPUTE FEES AND REASONABLE COSTS TO THE EXTENT PERMITTED BY LAW. 11. LINKS FROM THE WEBSITE 11.1 LINKS TO THIRD-PARTY SITES ARE PROVIDED FOR CONVENIENCE ONLY. THE COMPANY DOES NOT CONTROL THIRD-PARTY CONTENT AND IS NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE ARISING FROM THIRD-PARTY SITES. ACCESS IS AT THE APPLICANT’S OWN RISK AND SUBJECT TO THIRD-PARTY TERMS. 12. WARRANTY DISCLAIMERS 12.1 THE COMPANY CANNOT GUARANTEE THAT THE WEBSITE WILL BE FREE FROM VIRUSES OR HARMFUL CODE. THE APPLICANT IS RESPONSIBLE FOR ANTI-VIRUS PROTECTION, BACKUPS, AND SAFEGUARDING DEVICES AND DATA. THE COMPANY IS NOT LIABLE FOR LOSSES CAUSED BY CYBERATTACKS, MALWARE, INTERRUPTIONS, OR HARMFUL COMPONENTS, EXCEPT WHERE LIABILITY CANNOT BE EXCLUDED UNDER MANDATORY LAW. 12.2 THE WEBSITE AND SERVICES ARE PROVIDED “AS IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS, TITLE, NONINFRINGEMENT, ACCURACY, RELIABILITY, SECURITY, OR AVAILABILITY. THE COMPANY DOES NOT WARRANT THAT OUTPUTS WILL BE ACCEPTED BY A REQUESTING PROVIDER, THAT RESULTS WILL MEET EXPECTATIONS, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES WILL BE UNINTERRUPTED. NO ADVICE OR INFORMATION CREATES A WARRANTY NOT EXPRESSLY STATED. 13. EXCLUSION OF DAMAGES; EXCLUSIVE REMEDY 13.1 EXCEPT TO THE EXTENT CAUSED BY THE COMPANY’S GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT (OR WHERE MANDATORY LAW PROHIBITS EXCLUSION), THE COMPANY AND ITS AFFILIATES, STAFF, LICENSORS, CONTENT PROVIDERS, AND SERVICE PROVIDERS ARE NOT LIABLE FOR INDIRECT, CONSEQUENTIAL, PUNITIVE, EXEMPLARY, OR SPECIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY. 13.2 WITHOUT LIMITING THE FOREGOING, THE COMPANY IS NOT LIABLE FOR DAMAGES ARISING FROM PERSONAL INJURY, EMOTIONAL DISTRESS, LOST PROFITS, LOST REVENUE, BUSINESS INTERRUPTION, LOSS OF GOODWILL, LOSS OF DATA, LOSS OF PRIVACY, PROVIDER REJECTION, DELAYS, OR RELIANCE BY THIRD PARTIES ON APPLICANT-SUBMITTED INFORMATION, EXCEPT WHERE MANDATORY LAW PROHIBITS EXCLUSION. 13.3 IF DISSATISFIED, THE APPLICANT’S EXCLUSIVE REMEDY IS TO STOP USING THE WEBSITE. TO THE MAXIMUM EXTENT PERMITTED, THE COMPANY’S TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF (A) $20 AND (B) THE AMOUNT PAID BY THE APPLICANT FOR THE SPECIFIC PURCHASE GIVING RISE TO THE CLAIM. 14. SCOPE OF DISCLAIMERS, EXCLUSIONS, AND LIMITS THE DISCLAIMERS, EXCLUSIONS, AND LIMITS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS IS INTENDED TO EXCLUDE OR LIMIT RIGHTS THAT CANNOT BE EXCLUDED UNDER MANDATORY CONSUMER OR DATA PROTECTION LAWS. IF ANY PORTION IS INVALID, IT SHALL BE MODIFIED TO THE MINIMUM EXTENT NECESSARY TO BE ENFORCEABLE WHILE PRESERVING INTENT. 15. INDEMNIFICATION 15.1 THE APPLICANT WILL INDEMNIFY, DEFEND, AND HOLD HARMLESS THE COMPANY AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS FROM AND AGAINST ANY CLAIMS, LOSSES, LIABILITIES, DAMAGES, FINES, PENALTIES, AND EXPENSES (INCLUDING REASONABLE ATTORNEY FEES) ARISING FROM: (A) THE APPLICANT’S ACCESS OR CONDUCT; (B) BREACH OF THESE TERMS; (C) VIOLATION OF ANY RIGHTS (INCLUDING PRIVACY/IP); (D) VIOLATION OF LAW; (E) SUBMISSION OF FALSE, MISLEADING, UNLAWFUL, OR INFRINGING CONTENT; OR (F) CRIMINAL OR TORTIOUS ACTS OR OMISSIONS—EXCEPT TO THE EXTENT CAUSED BY THE COMPANY’S INTENTIONAL MISCONDUCT. 15.2 “LOSS” INCLUDES JUDGMENTS, SETTLEMENTS, FINES, DAMAGES, INJUNCTIVE RELIEF, COSTS OF DEFENSE, EXPERT FEES, AND REASONABLE ADMINISTRATIVE EXPENSES. “CAUSED BY” INCLUDES BUT-FOR CAUSATION. 15.3 THE COMPANY WILL PROVIDE NOTICE OF CLAIMS WHERE REASONABLY PRACTICABLE. FAILURE TO TIMELY NOTIFY DOES NOT RELIEVE INDEMNITY OBLIGATIONS EXCEPT TO THE EXTENT IT MATERIALLY PREJUDICES DEFENSE. 15.4 THE COMPANY CONTROLS DEFENSE AND SETTLEMENT UNLESS IT ELECTS OTHERWISE. THE APPLICANT MAY NOT SETTLE ANY CLAIM THAT IMPOSES OBLIGATIONS, ADMISSIONS, OR RESTRICTIONS ON THE COMPANY WITHOUT THE COMPANY’S WRITTEN CONSENT. 16. GOVERNING LAW; PLACE FOR RESOLVING DISPUTES 16.1 AGREEMENT CAPITA-SCREENING. IF “AGREEMENT CAPITA-SCREENING” IS NOT APPLICABLE OR DOES NOT ADDRESS GOVERNING LAW AND VENUE, THEN, TO THE MAXIMUM EXTENT PERMITTED BY LAW, THESE TERMS SHALL BE GOVERNED BY THE LAWS OF THE JURISDICTION WHERE THE COMPANY IS ESTABLISHED, EXCLUDING CONFLICT-OF-LAW RULES, AND DISPUTES SHALL BE BROUGHT IN THE COMPETENT COURTS OF THAT JURISDICTION UNLESS THE PARTIES ARE REQUIRED TO USE ARBITRATION UNDER SECTION 17 OR UNLESS MANDATORY CONSUMER LAW PROVIDES OTHERWISE. 17. ALTERNATIVE DISPUTE RESOLUTION 17.1 ARBITRATION. AS THE EXCLUSIVE MEANS OF INITIATING ADVERSARIAL PROCEEDINGS TO RESOLVE ANY DISPUTE ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS (INCLUDING FORMATION, ENFORCEABILITY, INTERPRETATION), A PARTY MAY DEMAND ARBITRATION ADMINISTERED BY THE PAYMENT INTEGRATOR (NOT PAYMENT PROVIDER) UNDER ITS RULES AVAILABLE AT ARBRESOLUTIONS.COM, AND EACH PARTY CONSENTS TO SUCH RESOLUTION. THE ARBITRATOR HAS EXCLUSIVE AUTHORITY TO RESOLVE DISPUTES, INCLUDING ANY CLAIM THAT ALL OR PART OF THESE TERMS IS VOID OR VOIDABLE. EACH PARTY PAYS APPLICABLE FILING AND ARBITRATOR FEES AS REQUIRED BY THE RULES, SUBJECT TO MANDATORY LAW. 17.2 RECOVERY OF EXPENSES. IN PROCEEDINGS ARISING OUT OF OR RELATING TO THE WEBSITE OR THESE TERMS, THE PREVAILING PARTY IS ENTITLED TO RECOVER REASONABLE EXPENSES, INCLUDING LEGAL FEES, EXCEPT WHERE MANDATORY LAW PROHIBITS OR LIMITS SUCH RECOVERY. 17.3 LIMITED EARLY-PERIOD ACCOMMODATION (IF OFFERED). WHERE THE COMPANY EXPLICITLY OFFERS A TWO-MONTH ACCOMMODATION FOR PREMIUM SUBSCRIBERS AS A DISPUTE-AVOIDANCE MEASURE, THE COMPANY MAY REFUND AMOUNTS PAID WITHIN THE FIRST TWO (2) MONTHS UPON WRITTEN REQUEST, MINUS PROCESSING AND INTEGRATOR FEES WHERE PERMITTED. THIS ACCOMMODATION IS DISCRETIONARY UNLESS STATED AS BINDING AT CHECKOUT. 17.4 POST-FIRST-MONTH RESPONSIBILITY. AFTER THE FIRST MONTH, THE APPLICANT IS RESPONSIBLE FOR TIMELY CANCELLATION. FAILURE TO CANCEL WITHIN THE APPLICABLE PERIOD RESULTS IN CONTINUED BILLING AND NON-REFUNDABLE CHARGES (SUBJECT ONLY TO MANDATORY LAW). 17.5 NON-REFUNDABLE SUBSCRIPTION AND OVERAGE FEES. SUBSCRIPTION FEES, USAGE FEES, OVERAGE FEES, AND UPGRADE FEES ARE NON-REFUNDABLE AND NON-CREDITABLE EXCEPT WHERE REQUIRED BY LAW. CANCELLATIONS TAKE EFFECT AT THE END OF THE THEN-CURRENT TERM UNLESS STATED OTHERWISE OR REQUIRED BY LAW. NON-PAYMENT MAY RESULT IN SUSPENSION OR REMOVAL OF SUBSCRIPTION FUNCTIONALITY. 17.6 EXTENDED REIMBURSEMENT POLICY. TO DEMONSTRATE CAPITA-SCREENING’S COMMITMENT TO REASONABLE COOPERATION AND GOOD FAITH, THE FIRST MONTH OF SERVICE FEES SHALL BE ELIGIBLE FOR REIMBURSEMENT. IF, WITHIN THE FIRST TWO (2) WEEKS OF THE SECOND MONTH, THE APPLICANT IS STILL AWAITING A RESPONSE OR HAS FAILED TO SUBMIT THE REQUIRED INFORMATION WITHIN THE FIRST MONTH, CAPITA-SCREENING MAY, AT ITS SOLE DISCRETION, REIMBURSE BOTH THE FIRST AND SECOND MONTHS’ FEES. ANY REQUEST SUBMITTED AFTER A TOTAL PERIOD OF SIX (6) WEEKS FROM THE COMMENCEMENT OF SERVICE — EXCEEDING THE STANDARD FOUR (4) WEEK (ONE-MONTH) PERIOD—SHALL NOT BE ELIGIBLE FOR ANY REFUND, CHARGEBACK, REIMBURSEMENT, OR REPAYMENT. ALL PAYMENTS MADE AFTER THIS PERIOD ARE STRICTLY NON-REFUNDABLE. THE PREMIUM SERVICE IS PROVIDED ON A PERPETUAL, RECURRING SUBSCRIPTION BASIS UNLESS TERMINATED IN ACCORDANCE WITH THE APPLICABLE TERMS AND CONDITIONS. 18. OVERALL 18.1 ENTIRE AGREEMENT. THESE TERMS, TOGETHER WITH ANY ADDITIONAL TERMS, POLICIES, DISCLOSURES, AND WORKFLOW-SPECIFIC CONDITIONS INCORPORATED BY REFERENCE, CONSTITUTE THE ENTIRE AGREEMENT BETWEEN THE APPLICANT AND THE COMPANY REGARDING THE SERVICES AND SUPERSEDE ALL PRIOR COMMUNICATIONS OR UNDERSTANDINGS. 18.2 CHANGES. THE COMPANY MAY CHANGE THESE TERMS. WHERE FEASIBLE, THE COMPANY MAY POST CHANGES IN ADVANCE, BUT THE APPLICANT REMAINS RESPONSIBLE FOR CHECKING. CONTINUED USE CONSTITUTES ACCEPTANCE. IF THE APPLICANT DOES NOT AGREE, THE APPLICANT MUST STOP USE AND CANCEL SUBSCRIPTIONS VIA PROPER CHANNELS. 18.3 ASSIGNMENT AND DELEGATION. THE COMPANY MAY ASSIGN, TRANSFER, NOVATE, OR DELEGATE RIGHTS/OBLIGATIONS WITHOUT CONSENT. THE APPLICANT MAY NOT ASSIGN OR DELEGATE WITHOUT PRIOR WRITTEN CONSENT. ANY ATTEMPTED ASSIGNMENT IN VIOLATION IS VOID. 18.4 WAIVER. FAILURE TO ENFORCE ANY PROVISION IS NOT A WAIVER. WAIVERS MUST BE IN WRITING SIGNED BY THE WAIVING PARTY. 18.5 TYPE OF PAYMENT; EARNED UPON INITIATION. REGARDLESS OF WHETHER THE APPLICANT SELECTS PREMIUM SUBSCRIPTION(S) OR A ONE-TIME VERIFICATION/SERVICE PAYMENT, AMOUNTS PAID ARE EARNED UPON INITIATION OF THE RELEVANT SERVICE AND ARE NOT SUBJECT TO REFUND, REVERSAL, OR CHARGEBACK EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. 18.6 NOTICE AT SELECTION. THE APPLICANT CONFIRMS MATURITY, UNDERSTANDING, AND RESPONSIBILITY FOR CHOICES MADE, AND CONFIRMS HAVING READ DISCLOSURES ON THE PAGE/SCREEN WHERE SERVICE DURATION AND PRICING ARE SELECTED, INCLUDING THE NON-REFUNDABLE NATURE OF FEES, AND ACKNOWLEDGES THAT INITIATING DISPUTES CONTRARY TO THESE TERMS MAY RESULT IN ENFORCEMENT ACTIONS AS PERMITTED BY LAW. 18.7 SERVICE AVAILABILITY VARIATIONS. IF PREMIUM SERVICE IS UNAVAILABLE OR OFFERED AT NO COST DUE TO A SPECIAL OFFER, THE APPLICANT MAY ONLY BE REQUIRED TO PAY THE ONE-TIME €0.01 OR $0.01 VERIFICATION AMOUNT (OR EQUIVALENT) WHERE DISCLOSED, AND SCREENING OUTPUTS REMAIN AVAILABLE FOR THE DISCLOSED DURATION. 18.8 DURATION OFFERS. WHERE THE WEBSITE DISPLAYS THAT THE APPLICANT RECEIVES ONE MONTH, TWO MONTHS, OR OTHER DURATIONS OF UP-TO-DATE SCREENING RESULTS FOR A ONE-TIME €0.01 OR $0.01 PAYMENT (OR EQUIVALENT), THE TERMS DISPLAYED ON THAT PAGE/SCREEN GOVERN, AND THE APPLICANT AGREES THOSE TERMS APPLY. 18.9 SEVERABILITY. IF ANY PORTION IS HELD INVALID OR UNENFORCEABLE, THE REMAINDER REMAINS IN EFFECT. ANY INVALID PROVISION SHALL BE INTERPRETED OR MODIFIED TO THE MINIMUM EXTENT NECESSARY TO BE ENFORCEABLE WHILE BEST PRESERVING INTENT. 19. ADDITIONAL RESPONSIBILITY 19.1 THESE TERMS, TOGETHER WITH ADDITIONAL POLICIES AND ANY WORKFLOW-SPECIFIC CONDITIONS ACCEPTED DURING THE SCREENING PROCESS, CONSTITUTE THE ENTIRE AND EXCLUSIVE AGREEMENT BETWEEN THE APPLICANT AND CAPITA-SCREENING REGARDING THE SERVICES. 19.2 CAPITA-SCREENING MAY ASSIGN, TRANSFER, NOVATE, OR OTHERWISE DISPOSE OF THESE TERMS IN WHOLE OR IN PART AND DELEGATE PERFORMANCE WITHOUT NOTICE OR CONSENT. THE APPLICANT MAY NOT ASSIGN, TRANSFER, OR SUBLICENSE RIGHTS OR OBLIGATIONS WITHOUT PRIOR WRITTEN CONSENT, AND ANY ATTEMPTED ASSIGNMENT IS NULL AND VOID. 19.3 ANY TERMS AGREED TO AT THE TIME OF INITIATING A SCREENING PROCESS, INCLUDING DISCLOSURES LINKED TO THE ACCOUNT OR WORKFLOW SCREENS, ARE INCORPORATED AND FORM ONE BINDING AGREEMENT WITH THESE TERMS. 19.4 FINAL FEES; ENFORCEMENT COSTS. ALL FEES—SUBSCRIPTIONS, MEMBERSHIPS, ONE-TIME PAYMENTS, PRIOR PAYMENTS, AND ANY AMOUNT PAID FOR SERVICES—ARE FINAL AND STRICTLY NON-REFUNDABLE IRRESPECTIVE OF SCREENING OUTCOME, INCLUDING UNFAVORABLE RESULTS, REJECTION BY A REQUESTING PROVIDER, DELAYS, INCONCLUSIVE STATUS, INSUFFICIENCY DETERMINATIONS, OR UNMET EXPECTATIONS, EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. IF THE APPLICANT BREACHES THESE TERMS BY INITIATING A REFUND REQUEST CONTRARY TO THE NON-REFUND POSITION, CHARGEBACK, OR PAYMENT REVERSAL, CAPITA-SCREENING MAY RECOVER REASONABLE ADMINISTRATIVE, LEGAL, PROCESSING, AND COLLECTION COSTS INCURRED IN RESPONDING TO AND ENFORCING THESE TERMS, UP TO A MAXIMUM OF TWO THOUSAND EUROS PER CASE (OR THE MAXIMUM PERMITTED BY LAW), PURSUED ONLY THROUGH LAWFUL PROCEDURES. 19.5 APPLICANT SOLE RESPONSIBILITY; NEUTRAL INTERMEDIARY ROLE. THE APPLICANT ACKNOWLEDGES SOLE RESPONSIBILITY FOR ENSURING ALL SUBMISSIONS ARE TRUE, ACCURATE, COMPLETE, AND NOT MISLEADING. CAPITA-SCREENING DOES NOT CONTROL OR DECIDE REQUESTING PROVIDER OUTCOMES. CAPITA-SCREENING ACTS AS A NEUTRAL INTERMEDIARY THAT COLLECTS, PROCESSES, AND TRANSMITS APPLICANT-SUBMITTED INFORMATION AND PRODUCES OUTPUTS BASED ON SUCH INPUTS AND AVAILABLE VERIFICATION SIGNALS. CAPITA-SCREENING IS NOT A LEGAL, FINANCIAL, REGULATORY, OR PROFESSIONAL ADVISORY SERVICE. NOTHING ON THE WEBSITE CONSTITUTES ADVICE, CERTIFICATION, ENDORSEMENT, OR A LEGALLY BINDING DETERMINATION. 19.6 APPLICANT WARRANTIES. THE APPLICANT REPRESENTS AND WARRANTS THAT THE APPLICANT IS THE TRUE INDIVIDUAL IDENTIFIED; SUBMISSIONS ARE MADE PERSONALLY AND LAWFULLY; THE APPLICANT IS NOT SUBMITTING ON BEHALF OF ANOTHER; THE APPLICANT HAS AUTHORITY TO PROVIDE ALL DATA; AND NO DOCUMENT IS FORGED, ALTERED, MISLEADING, OR UNLAWFULLY OBTAINED. BREACH MAY INVALIDATE SCREENING, CAUSE TERMINATION, AND MAY BE REPORTED WHERE REQUIRED OR PERMITTED BY LAW. 19.7 NO RELIANCE; NO LIABILITY. THE APPLICANT ACKNOWLEDGES THAT SCREENING OUTPUTS ARE NOT GUARANTEED, CERTIFIED, OR LEGALLY BINDING AND MAY NOT BE ACCEPTED BY REQUESTING PROVIDERS. CAPITA-SCREENING BEARS NO LIABILITY FOR ANY RELIANCE BY THE APPLICANT, REQUESTING PROVIDER(S), OR ANY THIRD PARTY ON THE OUTPUTS, EXCEPT WHERE LIABILITY CANNOT BE EXCLUDED UNDER MANDATORY LAW. 19.8 PROVIDER ACCEPTANCE NOT GUARANTEED. CAPITA-SCREENING MAKES NO REPRESENTATIONS THAT ANY OUTPUT WILL BE ACCEPTED, DEEMED SUFFICIENT, OR RELIED UPON BY ANY REQUESTING PROVIDER. PROVIDER DETERMINATIONS OF INSUFFICIENCY, INCOMPLETENESS, OR ADDITIONAL REQUIREMENTS ARE OUTSIDE CAPITA-SCREENING’S CONTROL AND DO NOT CREATE REFUND RIGHTS. 19.9 ADDITIONAL OR REPEAT SCREENINGS. IF A REQUESTING PROVIDER REQUIRES ADDITIONAL SCREENINGS, DEEPER VERIFICATION, REPEATED SUBMISSIONS, OR ALTERNATIVE CHECKS, SUCH REQUIREMENTS ARE OUTSIDE CAPITA-SCREENING’S RESPONSIBILITY. EACH SCREENING IS DELIVERED ON AN AS-IS BASIS, AND NO OUTCOME GIVES RISE TO REFUNDS. 19.10 PROVIDER TIMELINES AND PROCEDURES. CAPITA-SCREENING HAS NO CONTROL OVER PROVIDER TIMELINES, INTERNAL PROCESSES, ACCEPTANCE CRITERIA, OR DECISION-MAKING. ANY DELAYS OR REJECTIONS ARE NOT ATTRIBUTABLE TO CAPITA-SCREENING UNLESS DIRECTLY CAUSED BY CAPITA-SCREENING’S GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT. 19.11 AS-IS SERVICE DISCLAIMER (ENHANCED SERVICES INCLUDED). ALL SERVICES, INCLUDING ENHANCED/PREMIUM SCREENING, ARE PROVIDED “AS-IS” AND “AS-AVAILABLE,” WITHOUT CUSTOMIZATION GUARANTEES, AND MAY INCLUDE THIRD-PARTY SIGNALS, VERIFICATION RAILS, OR PROCESSORS THAT CAN CHANGE OR FAIL. CAPITA-SCREENING IS NOT RESPONSIBLE FOR OUTCOMES ARISING FROM APPLICANT INPUT ERRORS, OMISSIONS, OR PROVIDER-SPECIFIC EXPECTATIONS, EXCEPT WHERE MANDATORY LAW PROVIDES OTHERWISE.

LAST UPDATED: 02-02-2026 1. ACCEPTANCE OF THE CONDITIONS OF USE 1.1 BINDING ACCEPTANCE BY CONTINUING WITH THE REGISTRATION FOR, OR BY ACCESSING OR USING ANY PART OF, THE CAPITA-SCREENING WEB- OR MOBILE INTERFACE, SCREENING REGISTRATION ENVIRONMENT, OR SCREENING PROCESS (COLLECTIVELY, THE “SERVICES”), THE APPLICANT EXPRESSLY ACKNOWLEDGES, CONFIRMS, AND AGREES THAT THEY HAVE ACTIVELY SELECTED AND ACCEPTED THESE CONDITIONS OF USE. SUCH ACCEPTANCE CONSTITUTES A LEGALLY BINDING AGREEMENT BETWEEN THE APPLICANT AND CAPITA-SCREENING. THE APPLICANT FURTHER REPRESENTS AND WARRANTS THAT ALL INFORMATION, DATA, AND MATERIALS SUBMITTED, UPLOADED, OR OTHERWISE PROVIDED THROUGH THE SERVICES ARE PROVIDED AT THE APPLICANT’S SOLE RESPONSIBILITY, AND THAT THE APPLICANT HAS THE FULL LEGAL RIGHT, AUTHORITY, AND ENTITLEMENT TO SUBMIT SUCH INFORMATION TO CAPITA-SCREENING. 1.2 APPLICANT RESPONSIBILITY AND AWARENESS THE APPLICANT EXPRESSLY ACKNOWLEDGES THAT THROUGHOUT THE SCREENING PROCESS AND SCREENING REGISTRATION, THE APPLICANT WAS FULLY INFORMED, AWARE, AND CAPABLE OF UNDERSTANDING THE NATURE, SCOPE, AND CONSEQUENCES OF EACH ACTION TAKEN. THIS INCLUDES, WITHOUT LIMITATION, ALL INFORMATION ENTERED, DOCUMENTS UPLOADED, OPTIONS SELECTED, CONFIRMATIONS GIVEN, CONSENTS GRANTED, AND AGREEMENTS ACCEPTED. THE APPLICANT AGREES THAT THEY ALONE BEAR FULL RESPONSIBILITY FOR ALL SUCH ACTIONS AND THAT CAPITA-SCREENING SHALL NOT BE LIABLE FOR MISUNDERSTANDINGS, ERRORS, OMISSIONS, OR UNINTENDED SELECTIONS MADE BY THE APPLICANT. 1.3 CREDENTIALS, ACCESS DATA, AND SECURITY OBLIGATIONS THE APPLICANT AGREES THAT ALL LOGIN CREDENTIALS, ACCESS CODES, VERIFICATION LINKS, PASSWORDS, OR OTHER AUTHENTICATION DATA PROVIDED OR GENERATED DURING THE SCREENING PROCESS OR SCREENING REGISTRATION—WHETHER DELIVERED ELECTRONICALLY, DISPLAYED ON-SCREEN, OR TRANSMITTED BY EMAIL—ARE STRICTLY PERSONAL AND CONFIDENTIAL. THE APPLICANT UNDERTAKES TO STORE SUCH CREDENTIALS SECURELY AND NOT TO DISCLOSE THEM TO ANY THIRD PARTY, WHETHER INSIDE OR OUTSIDE THE HOUSEHOLD. ANY ACTIVITY CONDUCTED USING THE APPLICANT’S CREDENTIALS SHALL BE DEEMED TO HAVE BEEN CARRIED OUT BY THE APPLICANT. 1.4 ACCEPTANCE OF PREMIUM SERVICES AND RELATED LEGAL FRAMEWORK WHERE THE APPLICANT ELECTS TO ACTIVATE ANY OPTIONAL PREMIUM SERVICE DURING THE SCREENING PROCESS OR SCREENING REGISTRATION, THE APPLICANT EXPRESSLY CONFIRMS THAT THEY HAVE READ, UNDERSTOOD, AND ACCEPTED THE APPLICABLE TERMS OF SERVICE, PREMIUM TERMS, AND PRIVACY POLICY GOVERNING SUCH SERVICES. THE APPLICANT ACKNOWLEDGES THAT SUCH SELECTION CREATES A LEGALLY BINDING AGREEMENT BETWEEN THE APPLICANT AND CAPITA-SCREENING, INCLUDING OBLIGATIONS RELATING TO PAYMENT, NON-REFUNDABILITY, RECURRING BILLING (IF APPLICABLE), AND DATA PROCESSING. 1.5 THIRD-PARTY DISCLOSURE RESPONSIBILITY THE APPLICANT ACKNOWLEDGES THAT ANY DISCLOSURE OF SCREENING DATA, LOGIN CREDENTIALS, REPORTS, OR RELATED INFORMATION TO THIRD PARTIES—WHETHER INTENTIONAL OR INADVERTENT—OCCURS AT THE APPLICANT’S SOLE RISK AND RESPONSIBILITY. THIS APPLIES REGARDLESS OF WHETHER THE APPLICANT CONTINUES, PAUSES, OR RESUMES THE SCREENING PROCESS AT A LATER TIME. THE APPLICANT UNDERSTANDS AND AGREES THAT ONLY THE APPLICANT IS AUTHORIZED TO CONTINUE OR COMPLETE THE SCREENING PROCESS. 1.6 INTERNET CONNECTIVITY AND SECURITY RISKS THE APPLICANT ACKNOWLEDGES THAT USING THE SERVICES OVER OPEN, UNSECURED, OR PUBLIC INTERNET CONNECTIONS (INCLUDING FREE WI-FI NETWORKS) MAY EXPOSE COMMUNICATIONS TO INTERCEPTION, “MAN-IN-THE-MIDDLE” ATTACKS, OR OTHER SECURITY RISKS. THE APPLICANT AGREES THAT CAPITA-SCREENING IS NOT RESPONSIBLE FOR THE SECURITY OF THE APPLICANT’S INTERNET CONNECTION OR DEVICE AND THAT THE USE OF PROTECTIVE MEASURES SUCH AS A VPN IS THE APPLICANT’S OWN RESPONSIBILITY AND RECOMMENDED AT THE APPLICANT’S DISCRETION. 1.7 SAVE-AND-PAUSE FUNCTIONALITY AND ASSOCIATED RISKS WHERE THE APPLICANT ELECTS TO SAVE AND PAUSE THE SCREENING PROCESS AND LATER RESUME IT FROM A DIFFERENT NETWORK, DEVICE, OR ENVIRONMENT, THE APPLICANT ACKNOWLEDGES THAT ADDITIONAL VULNERABILITIES OR INCONSISTENCIES MAY ARISE. THE APPLICANT EXPRESSLY AGREES THAT THE DECISION TO PAUSE IS VOLUNTARY AND THAT CAPITA-SCREENING BEARS NO RESPONSIBILITY FOR ANY RISKS OR CONSEQUENCES ARISING FROM SUCH CHOICE. 2. RESPONSIBILITY OF CAPITA-SCREENING CAPITA-SCREENING UNDERTAKES TO PROVIDE THE SERVICES WITH REASONABLE CARE, SKILL, AND TECHNICAL DILIGENCE CONSISTENT WITH INDUSTRY STANDARDS FOR DIGITAL SCREENING FACILITATION SERVICES. HOWEVER, CAPITA-SCREENING DOES NOT ASSUME RESPONSIBILITY FOR APPLICANT DECISIONS, THIRD-PARTY ACTIONS, PROVIDER OUTCOMES, INTERNET CONNECTIVITY, DEVICE SECURITY, OR APPLICANT MISUSE OF THE SERVICES. 3. SCOPE AND NATURE OF CAPITA-SCREENING’S SERVICES; IMPORTANT LIMITATIONS 3.1 PURPOSE OF THE SERVICES CAPITA-SCREENING PROVIDES A DIGITAL SCREENING FACILITATION AND REPORTING SERVICE DESIGNED TO ASSIST APPLICANTS IN COMPILING, STRUCTURING, VALIDATING, AND TRANSMITTING INFORMATION AND SUPPORTING DOCUMENTATION INTO A SCREENING REPORT THAT MAY BE SHARED WITH ONE OR MORE REQUESTING PROVIDERS (“PROVIDERS”). THE SERVICES MAY INCLUDE AUTOMATED CHECKS, MANUAL REVIEW ELEMENTS, CONSISTENCY VALIDATION, FORMATTING, SCORING, INDICATORS, AND WORKFLOW MANAGEMENT. 3.2 NO DECISION-MAKING AUTHORITY CAPITA-SCREENING DOES NOT ACT AS A DECISION-MAKER AND DOES NOT APPROVE, DENY, CERTIFY, ACCEPT, OR REJECT ANY APPLICANT. CAPITA-SCREENING DOES NOT GUARANTEE THAT ANY SCREENING REPORT WILL BE ACCEPTED, RELIED UPON, OR CONSIDERED SUFFICIENT BY ANY PROVIDER. ALL PROVIDER DECISIONS REMAIN EXCLUSIVELY WITHIN THE PROVIDER’S DISCRETION. 3.3 NO GUARANTEE OF COMPLETENESS OR SUITABILITY SCREENING REPORTS ARE GENERATED BASED ON APPLICANT-SUBMITTED INFORMATION AND, WHERE AVAILABLE, THIRD-PARTY VERIFICATION INPUTS. CAPITA-SCREENING DOES NOT WARRANT THAT ANY SCREENING REPORT IS COMPLETE, ACCURATE, UP-TO-DATE, ERROR-FREE, OR SUITABLE FOR ANY PARTICULAR PROVIDER’S INTERNAL CRITERIA, POLICIES, OR LEGAL REQUIREMENTS. 3.4 PROVIDER RELIANCE DISCLAIMER THE APPLICANT ACKNOWLEDGES THAT PROVIDERS APPLY DIFFERING STANDARDS, REQUIREMENTS, AND RISK TOLERANCES AND MAY ACCEPT OR REJECT A SCREENING REPORT FOR ANY REASON OR NO REASON AT ALL. CAPITA-SCREENING BEARS NO RESPONSIBILITY FOR PROVIDER DECISIONS, COMMUNICATIONS, OR ACTIONS. 3.5 NO PROFESSIONAL ADVICE THE SERVICES DO NOT CONSTITUTE LEGAL, FINANCIAL, TAX, EMPLOYMENT, COMPLIANCE, OR PROFESSIONAL ADVICE OF ANY KIND. APPLICANTS ARE ENCOURAGED TO SEEK INDEPENDENT PROFESSIONAL GUIDANCE WHERE APPROPRIATE. 3.6 NO RESPONSIBILITY IN ADDITION, THE APPLICANT EXPRESSLY CONFIRMS THAT ALL INFORMATION SUBMITTED IS TRUE, ACCURATE, COMPLETE, AND NOT MISLEADING, AND ACCEPTS FULL RESPONSIBILITY FOR ANY CONSEQUENCES ARISING FROM INACCURATE, INCOMPLETE, OR FALSE INFORMATION. CAPITA-SCREENING SHALL NOT BE HELD LIABLE FOR ANY OUTCOME, DECISION, OR ACTION TAKEN BY THE REQUESTING PROVIDER OR ANY THIRD PARTY IN RELIANCE ON THE SCREENING REPORT OR ANY RELATED INFORMATION. BY PROCEEDING, THE APPLICANT GRANTS CAPITA-SCREENING AUTHORISATION TO PROCESS, HANDLE, AND TRANSMIT THE SUBMITTED INFORMATION AND DOCUMENTATION STRICTLY FOR SCREENING AND VERIFICATION PURPOSES, IN ACCORDANCE WITH THE APPLICABLE TERMS AND CONDITIONS AND TERMS OF SERVICE. 3.7 SOLELY A GENERATOR OF SCREENING KYC REPORTS CAPITA-SCREENING DOES NOT ACT AS A FINANCIAL, LEGAL, OR PROFESSIONAL ADVISORY ENTITY, AND NOTHING PROVIDED SHALL BE CONSTRUED AS LEGAL, FINANCIAL, OR OTHER PROFESSIONAL ADVICE. THE SERVICE IS STRICTLY LIMITED TO THE COLLECTION, PROCESSING, AND TRANSMISSION OF APPLICANT-PROVIDED INFORMATION AND SUPPORTING DOCUMENTATION. CAPITA-SCREENING DOES NOT PROVIDE ANY LEGALLY BINDING, CERTIFIED, OR VALIDATED DETERMINATIONS AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY SCREENING RESULTS, OUTCOMES, LEGAL IMPLICATIONS, OR RELIANCE PLACED UPON SUCH RESULTS. ALL OUTPUTS ARE BASED SOLELY ON THE INFORMATION SUBMITTED BY THE APPLICANT. BY GENERATING A SCREENING KYC REPORT, THE APPLICANT CONFIRMS THAT ALL INFORMATION HAS BEEN PROVIDED TRUTHFULLY, ACCURATELY, AND IN GOOD FAITH, AND THAT THEY FULLY ACCEPT THESE TERMS. 3.8 FINE FOR FALSE CLAIMS FURTHERMORE, THE APPLICANT AGREES TO REFRAIN FROM MAKING OR PUBLISHING ANY FALSE, MISLEADING, OR UNSUBSTANTIATED STATEMENTS OR CLAIMS REGARDING CAPITA-SCREENING, INCLUDING (WITHOUT LIMITATION) STATEMENTS SUGGESTING THAT AN UNFAVOURABLE OUTCOME ISSUED BY A THIRD PARTY IS ATTRIBUTABLE TO CAPITA-SCREENING. WHERE IT IS REASONABLY DETERMINED THAT THE APPLICANT HAS MADE SUCH FALSE OR MISLEADING PUBLIC CLAIMS, CAPITA-SCREENING RESERVES THE RIGHT, TO THE EXTENT PERMITTED BY APPLICABLE LAW, TO IMPOSE A FIXED ADMINISTRATIVE FEE OF EUR 1,500 (OR THE EQUIVALENT IN USD FOR THE UNITED STATES, GBP FOR THE UNITED KINGDOM, AND EUR FOR ALL OTHER REGIONS), PAYABLE VIA A PAYMENT METHOD DESIGNATED BY CAPITA-SCREENING. ANY SUCH MEASURE SHALL BE APPLIED IN ACCORDANCE WITH APPLICABLE LEGAL REQUIREMENTS AND PROCEDURES. 4. AUTHORIZED USE, PROHIBITED CONDUCT, AND COMPLIANCE 4.1 LAWFUL USE THE APPLICANT MAY USE THE SERVICES SOLELY FOR LAWFUL PURPOSES AND IN STRICT COMPLIANCE WITH THESE CONDITIONS OF USE AND APPLICABLE LAW. 4.2 PROHIBITED CONDUCT THE APPLICANT AGREES NOT TO SUBMIT FALSE, MISLEADING, FRAUDULENT, OR UNAUTHORIZED INFORMATION; IMPERSONATE OTHERS; INTERFERE WITH SYSTEM SECURITY; INTRODUCE MALICIOUS CODE; REVERSE ENGINEER SYSTEMS; OR MISUSE THE SERVICES IN ANY UNLAWFUL OR ABUSIVE MANNER. 4.3 COMPLIANCE AND COOPERATION CAPITA-SCREENING MAY IMPLEMENT MONITORING AND VERIFICATION PROCEDURES TO DETECT FRAUD OR MISUSE. THE APPLICANT AGREES TO COOPERATE WITH REASONABLE COMPLIANCEEQUESTS. 5. SCREENING PROCESS, SUBMISSIONS, TIMELINES, AND REPORT VALIDITY 5.1 PAYMENT REQUIREMENT UNLESS STATED OTHERWISE, PAYMENT OF THE APPLICABLE SCREENING FEE IS REQUIRED BEFORE PROCEEDING WITH THE SCREENING PROCESS. 5.2 ACCURACY OBLIGATION THE APPLICANT REPRESENTS THAT ALL SUBMITTED INFORMATION IS ACCURATE, COMPLETE, CURRENT, AND LAWFULLY PROVIDED. 5.3 DEADLINES AND INCOMPLETE PROCESSES FAILURE TO COMPLETE SUBMISSIONS WITHIN THE SPECIFIED TIMEFRAME MAY RESULT IN SUSPENSION OR CLOSURE OF THE SCREENING PROCESS WITHOUT REFUND. 5.4 REPORT VALIDITY PERIOD SCREENING REPORTS ARE GENERALLY VALID FOR 30 DAYS FROM ISSUANCE UNLESS STATED OTHERWISE. 5.5 RIGHT TO REFUSE ISSUANCE CAPITA-SCREENING MAY REFUSE TO ISSUE A SCREENING REPORT WHERE FRAUD, INCONSISTENCY, OR COMPLIANCE RISKS ARE IDENTIFIED. 6. PAYMENTS, SUBSCRIPTIONS, AND NON-REFUNDABLE NATURE 6.1 NON-REFUNDABLE PAYMENTS ALL PAYMENTS MADE—WHETHER ONE-TIME FEES OR SUBSCRIPTIONS—ARE FINAL AND NON-REFUNDABLE EXCEPT WHERE MANDATORY LAW REQUIRES OTHERWISE. 6.2 CONSIDERATION FOR SERVICES PAYMENTS CONSTITUTE CONSIDERATION FOR THE INITIATION AND EXECUTION OF SCREENING SERVICES AND ALLOCATION OF PROCESSING RESOURCES. 6.3 PREMIUM SERVICES WHERE PREMIUM SERVICES ARE SELECTED, THE APPLICANT ACKNOWLEDGES THAT SUCH SELECTION IS VOLUNTARY AND BINDING AND THAT RELATED FEES ARE NON-REFUNDABLE AND CONTINUE UNTIL PROPERLY CANCELLED. 7. ACCOUNT RESPONSIBILITY AND COMMUNICATIONS 7.1 ACCOUNT AND SCREENING REPORT RESPONSIBILITY THE APPLICANT IS RESPONSIBLE FOR ALL ACTIVITY UNDER THEIR ACCOUNT. 7.2 ACCOUNT MISUSE CAPITA-SCREENING IS NOT LIABLE FOR LOSSES CAUSED BY UNAUTHORIZED USE OF APPLICANT CREDENTIALS. 7.3 COMMUNICATIONS THE APPLICANT CONSENTS TO RECEIVE ELECTRONIC COMMUNICATIONS RELATING TO THE SERVICES AND ACKNOWLEDGES THEIR LEGAL VALIDITY. 8. FULLY READ ALL TERMS AND POLICIES 8.1 BY ELECTING TO CONTINUE WITH THE SCREENING PROCESS AND SCREENING REGISTRATION, INCLUDING AT ANY STAGE WHERE THE PROCESS HAS ALREADY PROGRESSED BEYOND ITS INITIAL OR INTERMEDIATE PHASES, THE APPLICANT EXPRESSLY ACKNOWLEDGES, CONFIRMS, AND AGREES THAT THEY HAVE FULLY READ, REVIEWED, UNDERSTOOD, AND AFFIRMATIVELY ACCEPTED THE APPLICABLE CONDITIONS OF USE, PRIVACY POLICY, AND ANY RELATED TERMS GOVERNING THE SERVICES, AND THAT SUCH ACCEPTANCE APPLIES IRRESPECTIVE OF THE POINT IN TIME OR STAGE AT WHICH THE APPLICANT CONTINUES OR RESUMES THE PROCESS. THE APPLICANT FURTHER EXPRESSLY REPRESENTS AND WARRANTS THAT ALL INFORMATION, DATA, STATEMENTS, SELECTIONS, CONFIRMATIONS, AND MATERIALS SUBMITTED, UPLOADED, OR OTHERWISE PROVIDED IN CONNECTION WITH THE SCREENING PROCESS ARE PROVIDED AT THE APPLICANT’S SOLE RESPONSIBILITY, ARE ACCURATE AND COMPLETE TO THE BEST OF THE APPLICANT’S KNOWLEDGE, AND ARE LAWFULLY OWNED, CONTROLLED, OR OTHERWISE RIGHTFULLY AUTHORIZED BY THE APPLICANT FOR SUBMISSION TO CAPITA-SCREENING. THE APPLICANT CONFIRMS THAT ALL DOCUMENTS, FILES, AND CONTENT UPLOADED ARE GENUINE, UNALTERED, AND NOT MISLEADING, AND THAT THE APPLICANT HAS THE FULL LEGAL RIGHT AND AUTHORITY TO UPLOAD, DISCLOSE, AND PERMIT THE PROCESSING OF SUCH MATERIALS BY CAPITA-SCREENING FOR THE PURPOSES OF SCREENING, VERIFICATION, REPORTING, COMPLIANCE, AND TRANSMISSION TO REQUESTING PROVIDERS. THE APPLICANT FURTHER AGREES THAT ANY CONSEQUENCES ARISING FROM INACCURATE, INCOMPLETE, UNAUTHORIZED, OR IMPROPERLY SUBMITTED INFORMATION SHALL BE BORNE EXCLUSIVELY BY THE APPLICANT, AND THAT CAPITA-SCREENING SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY RESULTING DELAYS, REFUSALS, ADVERSE PROVIDER DECISIONS, REGULATORY ISSUES, OR OTHER OUTCOMES ARISING THEREFROM.