Terms of Service

Last updated: 12 March 2026 • Terms version: 2026-03

These Terms of Service ("Terms") govern access to and use of the FinLeakage platform, website, reports, APIs, downloadable outputs and related services (together, the "Service"). The Service is supplied by Africai Solutions (Pty) Ltd, registration number 2024/217162/07, a company incorporated in South Africa ("Africai Solutions", "FinLeakage", "we", "us" or "our").

By creating an account, clicking to accept, subscribing, paying for, or using the Service, you agree to these Terms. If you are using the Service on behalf of a company, firm, partnership, public body or other entity, you represent and warrant that you have authority to bind that entity, and references to "you" include that entity.

1. Eligibility and account registration

(a) You must provide accurate, current and complete registration information and keep it updated.
(b) You are responsible for safeguarding your login credentials and for all activities occurring under your account.
(c) You must notify us promptly of any unauthorised access to your account or suspected compromise.

2. The Service

(a) FinLeakage provides software tools that enable users to upload and map transaction data, analyse that data using rule-based and other analytical methods, identify exception indicators, and generate reports or exports.
(b) The Service is designed to support audit, finance, compliance, forensic review, internal control review and related analytical workflows. It is not a bank, payment institution, law firm, audit firm, accounting firm, or regulated financial adviser.
(c) The Service does not guarantee that a flagged item is improper, fraudulent, unlawful, duplicated or recoverable, and does not guarantee that an unflagged item is low risk or compliant.

3. Customer instructions, customer data and authority

(a) You retain all rights, title and interest in and to the files, data, mappings, reports and other content that you upload, submit, store or generate through the Service ("Customer Data").
(b) You grant FinLeakage a non-exclusive, worldwide, limited right to host, copy, transmit, process, transform, display and otherwise use Customer Data only as reasonably necessary to provide, secure, support and maintain the Service, to comply with law, and as otherwise permitted in these Terms and the Privacy Policy.
(c) You represent and warrant that you have all rights, permissions, notices, approvals and other lawful authority required to provide the Customer Data to us and to instruct us to process it.
(d) You are responsible for the accuracy, completeness, legality and quality of Customer Data, mappings, labels, thresholds, assumptions and interpretations supplied by you or your users.

4. Data protection roles

(a) For account, billing, support and service administration data relating to your relationship with us, FinLeakage acts as a responsible party or controller.
(b) For personal information contained in Customer Data that you upload for analysis, you acknowledge that you typically determine the purpose and means of processing. In that context, you act as the responsible party or controller and FinLeakage acts as your operator or processor, except to the extent applicable law requires otherwise.
(c) If required by law or reasonably requested by us, you will enter into our data processing addendum or other reasonable data-processing terms.

5. Acceptable use

You may not:

(a) use the Service unlawfully, fraudulently, deceptively or in a manner that infringes the rights of any person;
(b) upload malicious code, attempt to disrupt the Service, probe or bypass security, or interfere with other users;
(c) reverse engineer, decompile, scrape or copy the Service except to the extent such restriction is prohibited by law;
(d) use the Service to build a competing product using our confidential information, proprietary outputs, prompts, models, rules or workflows;
(e) upload personal information where you lack authority to do so;
(f) use the Service to make solely automated decisions that have legal or similarly significant effects on an individual without appropriate human review and lawful basis;
(g) misrepresent the Service outputs as guaranteed facts, audit evidence on their own, legal advice, or final professional conclusions.

6. Fees, billing and subscriptions

(a) Paid plans, usage allowances, prices, taxes and billing intervals are as set out on the pricing page or order form in effect at the time of purchase.
(b) Subscription fees are payable in advance and, unless stated otherwise, renew automatically for successive billing periods until cancelled.
(c) You authorise us and our payment processors to charge the applicable fees, taxes and lawful charges using your chosen payment method.
(d) If payment fails, we may retry payment, suspend access to paid features, downgrade the account, or terminate the account after reasonable notice.
(e) Except where required by law or expressly stated in writing, fees are non-refundable once a paid analysis run has commenced or a subscription period has started.
(f) We may change pricing for future billing periods by giving advance notice through the Service, email, or another reasonable channel.

7. Service changes, availability and support

(a) We may improve, modify, add or remove features from time to time.
(b) We aim for reasonable availability, but do not guarantee uninterrupted or error-free operation.
(c) We may suspend or limit access where necessary for maintenance, security, abuse prevention, legal compliance, or to protect the Service or other users.

8. Intellectual property

(a) We and our licensors own all rights, title and interest in and to the Service, including software, interfaces, workflows, documentation, branding, templates and all related intellectual property rights, excluding Customer Data.
(b) Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service during the applicable term for your internal business purposes.
(c) You may use reports and exports generated from your Customer Data for your internal business purposes. You may not resell, white-label or commercially exploit the Service itself without our written consent.

9. Confidentiality

(a) Each party receiving confidential information from the other must protect it using reasonable care and may use it only for the purposes of performing under these Terms.
(b) Confidential information does not include information that is publicly available without breach, already lawfully known, independently developed, or lawfully received from a third party without duty of confidence.
(c) We may disclose confidential information where required by law, subpoena, court order or regulator, subject where lawful and reasonably practicable to notifying you beforehand.

10. Security and incidents

(a) We will implement and maintain reasonable technical and organisational measures appropriate to the nature of the Service and the risks involved.
(b) No method of transmission, storage or processing is completely secure, and we do not warrant absolute security.
(c) If we become aware of a confirmed security incident affecting personal information processed by us on your behalf, we will notify you without undue delay as required by applicable law and provide reasonably available information to support your response.

11. Professional-use disclaimer

(a) The Service provides analytical support only. It does not provide legal, accounting, audit, tax, forensic, banking, investment or regulatory advice.
(b) You are solely responsible for reviewing, validating and interpreting all outputs, conducting appropriate follow-up procedures, and determining whether any flagged item is in fact a true exception, irregularity or reportable matter.

12. Warranties and disclaimer

(a) Each party warrants that it has authority to enter into these Terms.
(b) To the maximum extent permitted by law, and except as expressly stated in these Terms, the Service is provided "as is" and "as available".
(c) We disclaim all implied warranties, including implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.
(d) Nothing in these Terms excludes any right that cannot lawfully be excluded under applicable law.

13. Limitation of liability

(a) To the maximum extent permitted by law, neither party will be liable to the other for any indirect, incidental, special, punitive or consequential loss, or for any loss of profit, revenue, business opportunity, goodwill, anticipated savings or data, even if advised of the possibility of such loss.
(b) To the maximum extent permitted by law, our aggregate liability arising out of or in connection with the Service, these Terms, or any related claim will not exceed the total fees paid by you to us for the Service during the 12 months immediately preceding the event giving rise to the claim.
(c) The exclusions and cap in this clause do not apply to: (i) fraud or fraudulent misrepresentation; (ii) wilful misconduct; (iii) death or personal injury caused by a party where liability cannot be excluded by law; (iv) your payment obligations; or (v) your infringement of our intellectual property rights, or your breach of clause 5 or clause 9.
(d) Where the Consumer Protection Act or any other mandatory law applies, this clause must be read subject to that law.

14. Indemnity

You indemnify and hold harmless FinLeakage, its group companies, directors, employees and contractors from and against third-party claims, losses, damages, penalties, costs and expenses (including reasonable legal fees) arising from or relating to:

(a) your breach of these Terms;
(b) your unlawful or unauthorised processing or disclosure of Customer Data;
(c) your misuse of the Service; or
(d) your infringement of any third-party rights.

This indemnity does not apply to the extent that the claim arises from our own fraud, wilful misconduct, or unlawful conduct that cannot be contractually excluded.

15. Term and termination

(a) These Terms start when you first accept them or use the Service and continue until terminated.
(b) You may stop using the Service at any time and may cancel your subscription through the Service or by contacting support, subject to any minimum prepaid term.
(c) We may suspend or terminate your access immediately if: (i) you materially breach these Terms; (ii) you fail to pay fees when due; (iii) your use creates security, legal or operational risk; or (iv) we are required to do so by law.
(d) On termination, your right to access the Service ends, but clauses that by their nature should survive will continue, including clauses relating to fees due, confidentiality, intellectual property, liability, indemnity and dispute resolution.

16. Data export and deletion on termination

(a) During the period stated in the Privacy Policy or your plan documentation, we may permit export of Customer Data and reports after cancellation or termination.
(b) Thereafter we may delete or irreversibly de-identify Customer Data unless we are required or permitted by law to retain it.

17. Changes to these Terms

(a) We may amend these Terms from time to time.
(b) If we make a material adverse change, we will give reasonable notice before the change takes effect.
(c) Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

18. Governing law and dispute resolution

(a) These Terms are governed by the laws of South Africa.
(b) The parties consent to the exclusive jurisdiction of the courts of South Africa, unless mandatory law requires another forum.
(c) Before starting formal proceedings, the parties will attempt in good faith to resolve the dispute through escalation between authorised representatives for at least 15 business days, unless urgent relief is reasonably required.

19. General

(a) You may not assign or transfer these Terms without our prior written consent, except as part of a lawful corporate reorganisation.
(b) We may assign these Terms to an affiliate or successor in connection with a merger, acquisition, sale of assets or reorganisation.
(c) If any provision is found unenforceable, the rest remains in effect.
(d) These Terms, the Privacy Policy, any order form and any data processing addendum form the entire agreement between the parties regarding the Service.

20. Contact details

Legal notices: support@finleakage.com
Support: support@finleakage.com
Information Officer / Privacy contact: support@finleakage.com