Effective Date: 01 January 2026
1.1 The website (dordle.ky) (“Website”) together with the documents referred to on it are owned and operated by DORDLE Ltd. (“we”, “us”, “our”, “DORDLE” or “Company”).
1.2 DORDLE is an ordinary resident company incorporated in the Cayman Islands with limited liability, with a registered office at C/O Ogier Global (Cayman) Limited of 89 Nexus Way, Camana Bay, Grand Cayman KY1-9009, Cayman Islands.
1.3 In these Terms words importing the singular shall, where the context permits or requires, include the plural and vice versa. Words importing gender or the neuter shall include both genders and the neuter. Words importing persons shall, where the context permits or requires, include natural persons, any public bodies and any body of persons, corporate or unincorporated.
1.4 These Terms between you (referenced herein as “User”, “you”, “your” or “Customer”) shall be construed and interpreted in English. Where DORDLE provides these Terms translated into any other language to any other jurisdiction, each Party acknowledges and agrees that the translation shall only be construed as indicative of the English version and where there exists any inconsistency between the translated version and the English version, the English version shall prevail.
1.5 We do not recommend that you purchase or subscribe to any Platform or Service, including any credit reports, credit scores, data analytics, or related advisory services, unless you have prior experience in interpreting such information and have obtained independent professional, financial, or legal advice to ensure the Services meet your specific needs.
1.6 By registering for and using the Platform, you explicitly consent to, and agree that, your personal data may be transferred outside of the Cayman Islands to an affiliate, subsidiary, DORDLE group member or third party where we handle your personal data in order to discharge the contractual obligations we owe to you and otherwise in order for us to conduct our business operations and to provide the Services. Any transfer will be in accordance with our Privacy Policy[add weblink].
1.7 Further, by registering, accessing, or using the Platform or Services, you expressly agree to the terms of our Privacy Policy[add weblink] as amended from time to time. In particular, you: (i) expressly consent to the collection, use, processing, storage and disclosure of your personal data by DORDLE in accordance with our Privacy Policy[add weblink]; (ii) acknowledge and agree that such disclosures may include the voluntary disclosure of your personal data to overseas regulatory authorities and competent bodies where required: (a) to comply with legal or regulatory obligations; (b) to protect the legitimate interests of DORDLE, including legal rights, investigations, compliance, or risk management; or (c) as otherwise described in the Privacy Policy[add weblink]; (d) understand that your consent includes the transfer of your personal data outside of the Cayman Islands, including to jurisdiction that may not offer the same level of data protection as your home jurisdiction, provided appropriate safeguards are in place.
1.8 If you do not agree with the terms of the Privacy Policy[add weblink] or the handling of your personal data as described, you must not use or access the Platform or Services.
2.1 Please read these Terms and Schedules, which include additional terms specific to the different applications and services we are making available to you, (the “Terms”) carefully before you start to use our Website, applications, platform and services, including any information and materials therein and any software that we make available that allows you to access relevant services (collectively referred to as the “Platform and or Services”) including:
2.2 the DORDLE services, including:
2.2.1 [Credit Information Access: Providing secure online access to consumer credit reports and credit scores obtained from recognized credit bureaus;
2.2.2 Dispute Processing: Assisting consumers in initiating, managing, and resolving disputes relating to the accuracy or completeness of information contained in their credit reports;
2.2.3 Credit File Security Measures: Facilitating the placement, modification, and removal of security freezes and fraud alerts on consumer credit files in accordance with applicable laws;
2.2.4 Credit Education and Improvement Tools: Offering online resources, analytical tools, and personalized recommendations to assist consumers in understanding, monitoring, and improving their credit standing.
2.2.5 [List additional service];
2.2.6 [List additional service];
2.2.7 [List additional service];][NTD: Services TBC]
2.3 PLEASE READ THESE TERMS CAREFULLY as they are a legal contract between you and us and apply to your use of the Platform and/or Services, as appropriate. By accessing all or any part of the Platform and/or the Services, you fully accept and agree to comply with all of the terms and conditions set out in these Terms. You may not use the Platform or receive relevant Services except as expressly provided in these Terms. If you do not agree to these Terms, you are not authorised to access and use the Platform or the Services and should exit immediately.
2.4 The Parties to these Terms shall therefore be DORDLE and you, and each may be referred to as a Party.
2.5 In order to access particular Services, you will be directed to complete relevant Service Registration Forms related to these Terms. The Services shall be used exclusively for your own internal business purposes. Access to and use of relevant Services shall be limited to specified users identified in the completed Service Registration Form.
3.1 Opening Account**.**
3.1.1 In order to use the Platform and Services, you must create and maintain an Account on the Platform.
3.1.2 DORDLE agrees to create and maintain an Account in your name on the Platform upon the following:
3.1.2.1 completion and submission of a Service Registration Form by You;
3.1.2.2 acceptance by you of the Terms (including the attached Schedules); and
3.1.2.3 approval by DORDLE, in its sole discretion, to accept your Service Registration Form and complete relevant account opening KYC and AML processes.
4.1 Subject to these Terms, DORDLE grants you an individual, non-exclusive, non-transferable, revocable license to use the Platform and relevant Services in such form as they may exist from time to time and as set forth in applicable Schedules.
4.2 You shall obtain at your own expense all licences, permits, and consents that may be necessary for the use of the Platform and/or the Services.
5.1 You may not access or use our Platform and/or Services if you are located in, or a citizen or resident of any state, country, territory or other jurisdiction where:
5.1.1 your access or use of our Platform and/or Services would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory organisation; or
5.1.2 we have determined, at our sole discretion, to prohibit access or use of the Platform and/or Services.
5.2 In accordance with clause 4.1, we may implement certain controls to restrict or deny access to our Platform and/or Services from any jurisdiction where access is prohibited.
5.3 You agree that you will comply with this clause, even if our methods to prevent access or use of our Platform and/or Services are not effective or able to be bypassed.
6.1 You must not use our Platform or Services:
6.1.1 in any way that breaches any law, rule, decision, judgment or regulation, or that has any unlawful or immoral purpose or effect;
6.1.2 to transmit, or procure the sending of any unsolicited or unauthorised advertising, promotional material or similar communications;
6.1.3 to send, knowingly receive, upload, download, publish, post, distribute, disseminate, transmit, use or re-use any material or information which is inaccurate, illegal, defamatory, libellous, obscene, offensive, abusive, hurtful, hateful, threatening, inflammatory, harmful, infringing, pornographic, discriminatory, indecent, unsolicited, unauthorised, unlawful, objectionable or which may expose you or us to legal action or reputational damage; or
6.1.4 to threaten, harass, stalk, abuse, disrupt others, or otherwise violate the rights of others.
6.2 You also agree not to:
6.2.1 advertise, promote, or sell any goods, services, or financial products to other Users of the Platform or the Services, or otherwise use the Platform’s data, reports, ratings, analytics, or other content for the purpose of commercial gain without the Platform’s prior written consent; or
6.2.2 access without authority, interfere with, damage or disrupt, any part of our Platform; any equipment or network on which our Platform is stored; any software used in the provision of our Platform or Services; or any equipment, network or software owned or used by any third party.
6.3 When you are asked to provide information in connection with our Platform or Services, you agree to provide true, accurate, current and complete details. It may not be possible to provide you with the relevant access, Services or information you require if you do not provide the minimum mandatory information requested.
6.4 Except as expressly permitted in relation to a particular Service you shall not:
6.4.1 copy, modify, reverse engineer, reverse assemble or reverse compile or store the Platform or Services or any part thereof;
6.4.2 license, sublicense, transfer, sell, resell, publish, reproduce, and/or otherwise redistribute the Platform or the Services or any components thereof in any manner (including, but not limited to, via or as part of any internet site);
6.4.3 use the Platform or the Services as part of your intranet or other internal network; or
6.4.4 create archival or derivative works based on the Platform or the Services or any portion thereof. You shall take all precautions that are reasonably necessary to prevent any unauthorized distribution or redistribution of the Platform or the Services.
6.5 You agree that you will not provide access to the Platform or the Services or any portion thereof to any person, firm or entity other than an individual or entity (an “Authorised Third Party”) expressly permissioned by you. You shall ensure that any Authorised Third Party complies with the terms and conditions of these Terms, and you shall remain responsible for such compliance. You shall be liable to us for the actions of any Authorised Third Party.
6.6 Your use of the Platform and/or Services is at your own risk.
6.7 You understand, acknowledge and accept that we make no warranty whatsoever, express or implied, to you as to the Platform and/or Services, and that the Platform and/or Services are provided to you “as is” and you use them at your sole risk.
6.8 We expressly disclaim any implied warranties or merchantability or fitness for a specific purpose in relation to the Platform and/or Services.
6.9 You acknowledge and agree that:
6.9.1 you are solely responsible for evaluating the accuracy, timeliness, and completeness of any and all information provided to you via the Platform and/or relevant Services;
6.9.2 you have made your own decision that the Platform, the Services, and these Terms are suitable for and acceptable to you and you have not relied on any other statement, representation or warranty that we or our affiliates or third party providers have made in making your decision;
6.9.3 neither the Platform or Services or information provided to you through the Platform or Services are intended as investment, financial, tax, accounting or legal advice. A reference to a particular product on the Platform or in the Services is not a recommendation to buy, sell or hold such product or to make any other investment decision. We are not offering any advice in this regard and you agree that your use of the Platform and/or Services and any decisions that you make in reliance on information contained within the Platform and the Services are made at your own risk;
6.9.4 by accessing the Platform and utilising the relevant Services in any manner, you expressly acknowledge, understand, and agree to the information set out in the Risk Statement Schedule, which forms an integral part of these Terms, and you represent and warrant that you understand the inherent risks associated with the use and/or provision of the Platform and Services, including but not limited to: the collection, processing, transmission, and storage of personal and financial information; the potential for inaccuracies or delays in credit data; the possible impact of credit assessments on your ability to obtain credit; the risk of unauthorised access, cyberattacks, data breaches, or other security incidents; service interruptions or downtime; system errors or software defects; and any limitations or restrictions arising from applicable laws, rules, guidelines and regulations;
6.9.5 the Platform and the Services may be impacted by one or more regulatory inquiries or regulatory action, which could impede or limit the ability of DORLDE to operate, or which could impede or limit your ability to access or use the Platform and/or the Services;
6.9.6 data security and encryption technologies are continually evolving. Advances in code-breaking techniques, new methods of cyber intrusion, or emerging technologies such as quantum computing may present risks to the security of the Platform and the Services, which could result in unauthorised access to, alteration of, or loss of your personal, financial, or credit-related information. To the extent possible, DORDLE intends to update the security protocols underlying the Platform and the Services to address such technological developments and to incorporate additional safeguards; however, DORDLE does not guarantee or otherwise represent that the system will be completely secure. By using the Platform and the Services, you acknowledge and accept these inherent risks; and
6.9.7 the Platform and/or the Service provide links to other internet or accessible sites, applications or resources. Because we have no control over such sites, applications and resources, you acknowledge and agree that DORDLE is not responsible for the availability of such external sites, applications or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that DORDLE shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource;
6.9.8 you agree that you have completed our registration processes truthfully and to the best of your ability. You also agree to utilize our Platform and System according to our Terms. Additionally, any user who has, in DORDLE’s sole discretion, violated our Terms may have their Account terminated.
6.10 You represent and warrant that:
6.10.1 you are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations and warranties set forth in these Terms and to abide by and comply with these Terms; and
6.10.2 you are of the legal age of majority in your jurisdiction as is required to access the Platform and/or Services and enter into arrangements as provided by the Services. You further represent that you are otherwise legally permitted to use the Services in your jurisdiction and interacting with the Platform or Services in any way. You further represent that you are responsible for ensuring compliance with the laws of your jurisdiction and acknowledge that we are not liable for your compliance with such laws.
7.1 For the avoidance of doubt this clause shall apply to all aspects of the Platform and Services. Except as otherwise required by applicable law, neither we, nor our affiliates, respective directors, officers, shareholders or employees, or suppliers, licensors, agents or advisers accept any responsibility and shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Platform or Services; (ii) any conduct or content of any third party on the Platform; (iii) any content obtained from the Platform; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose, arising under or in connection with:
7.1.1 use of or reliance on any information, opinions, content and/or material held on this Platform or made available in connection with the Platform and/or the Services; or
7.1.2 interruption or delay, errors in credit data or scoring, inaccurate or outdated credit reports, or complete and irretrievable loss of information, data, access, or use of or inability to use or access the Platform or Services, as well as any system failure, network outage, or security threat relating to the Platform or Services, may occur. Such events may result in, without limitation: special, indirect, incidental, punitive, or consequential damages; loss of profits, sales, business, or revenue; loss or corruption of data; business interruption; loss of anticipated savings; loss of business opportunity, goodwill, or reputation; wasted management time; or any other indirect or consequential loss or damage.
7.2 except as otherwise required by applicable law, we will not be liable for any loss or damage caused to you, your information technology systems, devices, computer programs, platform, data, or other proprietary material arising in connection with your use of the Platform and/or the Services, including any loss or damage resulting from inaccuracies, delays, omissions, interruptions, errors, or security breaches relating to credit reports, credit scores, or other credit-related data, or from any actions or failures of third-party data providers or service providers.
7.3 To the fullest extent permitted by law, you agree to indemnify and hold harmless DORDLE, its affiliates, and their respective affiliates, directors, officers, shareholders or employees, or suppliers, licensors, agents or advisers from and against any and all losses, liabilities, judgments, suits, actions, proceedings, claims, damages, and costs (including reasonable attorney’s fees) resulting from or arising out of your, or any agent acting on your behalf’s, use of the Platform or the Services, or arising from any failure by you or such agent to fully comply with these Terms, or by reason of any use by you or such agent of any information, reports, or other materials provided on the Platform or through the Services, including but not limited to any liability or losses arising from reliance on credit reports, credit scores, or related information obtained via the Platform.
7.4 Anything to the contrary in these Terms, in the event that we are determined to be liable to you for any cause, you expressly agree that in entering into these Terms, our aggregate liability, for any damages or losses under all causes of action, will not exceed the greater amount of either [USD ($10,000) or five (5) times the fees paid by you to DORDLE over the previous twelve (12) months per claim][TBC].
7.5 Neither we, nor our affiliates, third party providers or respective directors, managers, officers, shareholders, employees, suppliers, licensors, agents or advisers make any warranty with respect to, and no such party shall have any liability to you for:
7.5.1 The accuracy, adequacy, timeliness, completeness, reliability, performance, or continued availability of the Platform and/or the Services, including any credit reports, credit scores, or other credit-related information provided; or,
7.5.2 Delays, omissions, inaccuracies, data errors, interruptions, or other issues affecting access to or the operation of the Platform and/or the Services;
7.6 We have not independently verified, monitored, reviewed, or authenticated, in whole or in part, the information and materials made available through the Platform and the Services, which may contain inaccuracies, omissions, typographical errors, or other defects.
7.7 DORDLE reserves the right, at its sole discretion, to correct any errors, inaccuracies, or unintended system actions in the provision of the Platform or Services, including the right to amend, remove, or reissue any credit reports, credit scores, or related data issued in error, and to reverse or nullify any resulting outcomes or determinations. Such actions may be taken, without prior notice if necessary, to protect the integrity, accuracy, and reliability of the Platform, the Services, and the information provided, with the intent of restoring the parties to the position they would have been in had the error not occurred. You acknowledge and agree that DORDLE shall not be liable for any loss, damage, or cost arising from such corrections, amendments, reversals, or nullifications, and you shall not be entitled to any compensation or reimbursement as a result of these actions.
7.8 To the maximum extent permitted by law, DORDLE shall not be liable for any loss, damage, or inability to access or use your Account, data, or the Platform and Services resulting from events beyond its reasonable control, including but not limited to:
7.8.1 actions, orders, or mandates of any government, regulatory authority, or public body, including confiscation, seizure, requisition, expropriation, or willful destruction of data or records;
7.8.2 technical failures, network or system outages, or cyberattacks;
7.8.3 labour disputes, judicial or regulatory actions, or other disruptions arising from governmental or third-party intervention;
7.8.4 natural disasters such as fire, flood, hurricane, storm, or other environmental events;
7.8.5 civil disturbances, riots, insurrection, or declared or undeclared war.
DORDLE shall not be liable for any delay, failure, or inability to perform any obligation under these Terms resulting from such events, and you acknowledge that no compensation, reimbursement, or damages will be payable in connection with these circumstances.
8.1 Certain statements on the Platform or in connection with the Services may constitute “forward-looking statements” within the meaning of applicable safe harbour provisions or similar regulations. Such statements may be identified by words such as “may,” “might,” “will,” “should,” “expect,” “plan,” “anticipate,” “believe,” “estimate,” “predict,” “potential,” or “continue,” and their negatives or similar expressions. Forward-looking statements are inherently subject to known and unknown risks, uncertainties, and assumptions about DORDLE and its operations, and may include, without limitation, projections regarding the future development or performance of the Platform and Services, anticipated trends in the credit reporting industry, and DORDLE’s plans, objectives, expectations, or intentions.
8.2 Forward-looking statements are predictions based on current expectations and involve risks and uncertainties that could cause actual outcomes, levels of activity, or results to differ materially from those expressed or implied. Factors that could cause such differences include, but are not limited to: technological developments affecting the Platform, changes in economic, political, or market conditions, government or regulatory actions, cybersecurity risks, competition, and other operational or industry-specific factors.
8.3 These risks and uncertainties are not exhaustive. Forward-looking statements rely on assumptions that may change. DORDLE operates in a dynamic and rapidly evolving environment, and new risks and uncertainties may arise that cannot be predicted or quantified. Accordingly, actual results, performance, or achievements may differ materially from forward-looking statements.
8.4 Inclusion of any projections, forecasts, or forward-looking statements on the Platform or in any document should not be regarded as a representation that such projections will prove accurate. DORDLE does not assume responsibility for the completeness or accuracy of any forward-looking statements, and you should not rely on them as predictions of future events. DORDLE is under no obligation to update any forward-looking statements after the date of publication to reflect actual results or revised expectations, and it does not intend to do so.
9.1 While DORDLE has implemented reasonable measures to detect and prevent viruses and other harmful software, we cannot guarantee that the Platform or Services are free from malfunctions, defects, errors, bugs, or viruses, or that the Platform will operate without interruption or as expected at all times. DORDLE shall not be liable for any loss, damage, or disruption caused by viruses, malware, distributed denial-of-service attacks, or any other technologically harmful material that may affect your devices, software, data, or other property.
9.2 You are responsible for configuring and maintaining your devices, information technology systems, and software to access and use the Platform and Services safely, including installing and updating your own antivirus software, firewalls, and other protective measures. DORDLE makes no representations or warranties regarding the compatibility of the Platform or Services with your hardware, software, or IT systems.
9.3 You must not misuse the Platform or Services by intentionally introducing viruses, trojans, worms, logic bombs, spyware, adware, or any other malicious or technologically harmful code or material designed to interfere with the operation of the Platform, Services, or any third-party systems.
10.1 DORDLE owns all intellectual property rights in and to the Platform, the Services, and all materials published on or made available through the Platform and Services, including but not limited to all proprietary data, credit information, content, software, technology, databases, tools, and documentation. All such works are protected by copyright, trademark, database rights, and other intellectual property laws. All rights are reserved.
10.2 Except as expressly permitted in these Terms or with our prior written consent, you may not copy, reproduce, modify, publicly display, republish, distribute, extract, or otherwise use any part of the Platform, Services, or materials available through them. Any breach of this provision may cause DORDLE irreparable harm, for which monetary damages may be inadequate, and DORDLE may enforce its rights through equitable remedies, including injunctive relief, in addition to any other available legal remedies. Requests for permission should be sent via email to [info@dordle.ky].
10.3 You may not use any material from the Platform or Services for commercial purposes or business advantage without first obtaining a licence from DORDLE.
10.4 If you print, copy, or download any material from the Platform or Services in violation of these Terms, your rights to access and use the Platform will terminate immediately, and you must, at our option, return or destroy any copies of the materials in your possession.
10.5 You acknowledge that all intellectual property rights in any material, data, or content made available under a licence from DORDLE remain the exclusive property of DORDLE. You hereby assign to DORDLE all rights, title, and interest, including any copyright or other intellectual property rights, in any new intellectual property created by you, whether independently or in collaboration with DORDLE, in connection with your use of the Platform or Services.
11.1 Our Privacy Policy[add weblink] explains how we collect and use your personal information and additionally provides information about the cookies that we use.
12.1 These Terms may be terminated by either Party:
12.1.1 on thirty (30) days’ written notice to the other Party; or
12.1.2 immediately by notice in writing to the other Party if the other Party is in material breach of these Terms and, to the extent that the breach is capable of remedy, that breach is not remedied by the other Party within ten (10) Business Days of it receiving notice from the first Party of the details of the breach and the first Party’s intention to terminate; or
12.1.3 in accordance with these Terms.
12.2 These Terms may be terminated by DORDLE at its discretion with or without notice.
If you have a dispute with DORDLE:
Notify us in writing via email at [info@dordle.ky] and nominate a representative to negotiate.
We will reply in writing with our representative within five business days.
Both representatives must negotiate in good faith to reach a written settlement.
If unresolved within 10 business days, the parties will attempt an alternative resolution that is not arbitration or litigation.
If still unresolved after 20 business days, arbitration may be initiated under CIAC Rules in the Cayman Islands, in English, with three arbitrators.
Each party bears its own costs unless agreed otherwise.
13.1 Compliance Requirement: Neither Party may commence arbitration or litigation against the other regarding obligations under these Terms, except where urgent interlocutory relief is sought, unless the Party has complied with this Clause 13.
13.2 Consequences of Non-Compliance: If a Party fails to comply with this Clause, that Party accepts and releases the other Party from being bound by this dispute resolution procedure.
13.3 Disputes of Invoices
13.3.1 If you dispute the amount of any invoice, statement, or otherwise issued by DORDLE (“Disputed Amount”), you must notify DORDLE in writing before the due date, or if already paid, as soon as reasonably practicable, and in any case within two (2) Business Days.\
13.3.2 If you fail to notify DORDLE in time, you agree to pay the invoice according to normal terms. Upon resolution, if the Disputed Amount exceeds what was due, DORDLE will remit or set-off the excess as soon as reasonably practicable.
13.4 Dispute Resolution Procedure
13.4.1 Upon instigating a dispute:
13.4.1.1 The initiating Party shall issue a written notice nominating a representative (“Dispute Notice”).
13.4.1.2 Within five (5) Business Days of receiving the Dispute Notice, the other Party will reply in writing with its representative (“Dispute Reply”).
13.4.1.3 Both representatives shall negotiate in good faith. Any settlement must be in writing, signed, and shall be binding.
13.4.2 If unresolved within ten (10) Business Days of the Dispute Reply, the Parties shall use best efforts to negotiate an alternative resolution process that is not arbitration or litigation.
13.4.3 If twenty (20) Business Days pass since the Dispute Reply and no alternative resolution is agreed, the Parties may engage in arbitration, followed by litigation if necessary.
13.4.4 Arbitration
13.4.4.1 Arbitration shall be conducted under the Cayman International Arbitration Centre (“CIAC”), incorporated by reference.
13.4.4.2 The number of arbitrators shall be three.
13.4.4.3 The seat of arbitration shall be the Cayman Islands.
13.4.4.4 The language shall be English.
13.4.4.5 The governing law of the proceedings shall be the governing law of these Terms.
13.4.5 Costs
All costs of a Party in bringing a dispute shall be borne by that Party unless otherwise agreed during negotiations or ordered in arbitration or litigation.
14.1 General
14.1.1 DORDLE takes its obligations under applicable Anti-Money Laundering Legislation, Financial Crime Legislation, Terrorist Financing Legislation, Proliferation Financing Legislation, Corporate and Securities Legislation, and Sanctions Legislation (together, the “Financial Crime Framework”) seriously and operates in accordance with the purposes and provisions of such legislation. DORDLE also complies with applicable data protection laws, including the Data Protection Act (Revised) of the Cayman Islands (“DPA”) and, where applicable, the European Union General Data Protection Regulation (EU) 2016/679 (“GDPR”), each as amended or replaced from time to time.
14.1.2 DORDLE shall operate robust monitoring, identification, and verification procedures to discharge its obligations under the Financial Crime Framework in the context of its credit reporting and assessment services.
14.1.3 DORDLE shall conduct ongoing reviews and annual audit checks of information collected or held to ensure compliance with the Financial Crime Framework.
14.1.4 DORDLE shall ensure that all information retained for compliance purposes is protected in accordance with applicable data security standards and best practices.
14.1.5 You expressly consent to and grant DORDLE the right to disclose or transfer information collected in connection with its credit reporting or assessment services to relevant authorities, regulatory bodies, law enforcement agencies, or other competent bodies, whether in the Cayman Islands or abroad, where DORDLE reasonably believes such disclosure is:
(a) required to satisfy obligations under the Financial Crime Framework, the DPA, the GDPR, or any other legal or regulatory requirement;
(b) necessary to prevent or detect money laundering, terrorist financing, proliferation financing, sanctions evasion, fraud, tax evasion, or other financial or economic crimes;
(c) in connection with a suspected or actual breach of securities laws, insider trading, market misconduct, or other regulatory violations;
(d) required or appropriate in response to requests from competent or regulatory authorities, including for cross-border regulatory cooperation; or
(e) consistent with principles of the DPA and GDPR, including necessity, proportionality, and compliance with data minimization and cross-border transfer requirements. DORDLE will take reasonable steps to ensure such disclosure is handled lawfully, fairly, and transparently.
14.1.6 DORDLE may request additional information from you to fulfil its obligations under the Financial Crime Framework. Failure to provide requested information may result in revocation, suspension, or termination of access to the Platform and Services.
14.1.7 DORDLE may charge a reasonable administrative fee for any request by you to access information retained, collected, or recorded relating to you.
14.1.8 Access to retained, collected, or recorded information will only be provided under specific terms, unless otherwise required by law.
14.1.9 You acknowledge that DORDLE may use electronic verification methods to confirm your identity. If you do not consent to electronic verification, you must contact DORDLE in writing at the notice address provided in the Notice section of these Terms to request an alternative verification method.
14.1.10 DORDLE may request a credit reporting agency, or an analogous organisation, to assess whether the personal information provided by you (including via a Service Registration Form) matches information held in the credit reporting agency’s files.
14.1.11 You acknowledge that the credit reporting agency, or analogous organisation, may use your personal information solely for the purposes of making such assessments.
14.1.12 Where DORDLE cannot verify your identity through electronic methods, it will notify you and provide reasonable instructions and alternative means for verification.
15.1 Interpretation.
“Tax” means any sales tax, value added tax (VAT), general sales tax (GST), or similar indirect tax that may apply to our services or products, depending on your location or where the services are provided.
15.2 Adding Tax to Payments
If a tax applies, it will be added to the amount you pay, unless the price is already stated as including tax.
15.3 Reimbursements and Expenses
If you reimburse us for any costs or expenses, the amount will include any applicable Tax, after taking into account any tax credits we can claim.
16.1 You acknowledge and agree that we may update this Platform from time to time, change the content at any time and we may suspend, withdraw, discontinue or change all or any part of this Platform and the Services without notice. As such, there may be times when this Platform and/or the Services are unavailable for use.
17.1 You acknowledge and agree that DORDLE may amend these Terms, the Privacy Policy[add weblink] and related Schedules at any time by posting the amended agreements on the DORDLE website. The updates will be effective as of the time they are posted. Your continued use of the Services after the posting of an update constitutes your acceptance of the amendment. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your Account.
17.2 Should one or more provisions of these Terms be or become invalid or unenforceable in whole or in part, this shall not affect the validity and enforceability of the remaining provisions of these Terms. In place of any provisions which are invalid or not incorporated in these Terms the relevant statutory provisions shall apply. In all other cases, the parties shall agree to a valid provision to replace the invalid or unenforceable provision which reflects as closely as possible the original purpose.
18.1 If you have any questions about these Terms, or if you would like to receive a hard-copy version of these Terms, you can contact us at [info@dordle.ky].
18.2 If you are seeking to provide notice under these Terms,
18.2.1 Unless otherwise indicated in these Terms, all notices, consents and other documents authorised or required to be given by or pursuant to these Terms must be given in writing and either personally served or sent by pre-paid registered letter or emailed as appropriate, unless otherwise mutually agreed by the Parties.
18.2.2 Receipt of Notice: a notice, request, consent or other authorised documentation will be deemed received only when actually received or delivered pursuant to Clause 18.2.1.
18.3 Address for Notice.
18.3.1 DORDLE’s address for notice shall be as follows:
18.3.1.1 by email to: [info@dordle.ky]; and,
18.3.1.2 by post to: DORDLE Ltd. c/o Ogier Global (Cayman) Limited of 89 Nexus Way, Camana Bay, Grand Cayman KY1-9009, Cayman Islands.
18.3.2 Your address for notice shall be the address as detailed in the completed Service Registration Form, as updated from time to time.
18.3.3 With respect to Clause 18.3.2, you shall be solely responsible for informing DORDLE of any address change for such service of notices. If you do not inform DORDLE of a change in your address for notice, and DORDLE subsequently serves notice upon your previous address where DORDLE has complied with all requirements specified within this Agreement; said service shall constitute valid receipt of a notice pursuant to Clause 18.2.2.
19.1 Fees in respect of relevant Platforms and/or Services are as detailed in the Fee Schedule.
20.1 Confidentiality Obligation
Each Party undertakes to apply to all Confidential Information disclosed in accordance with these Terms the same degree of care that it applies to its own proprietary information, and in any event, no less than a reasonable standard of care, to prevent unauthorized disclosure. Neither Party shall disclose any Confidential Information to any third party without the prior written consent of the other Party, except as expressly permitted under these Terms.
20.2 Compelled Disclosure
Notwithstanding Clause 20.1, each Party acknowledges that disclosure of Confidential Information may be required by applicable law, regulation, or court order. In such circumstances, the disclosing Party shall provide notice to the other Party where legally permissible and will limit the disclosure to the extent required. The other Party hereby releases the disclosing Party from any breach of these Terms or law arising from such compelled disclosure.
20.3 Permitted Disclosures
Without limiting Clause 19.1, you acknowledge that DORDLE may disclose information regarding your Account to the following persons or entities for the purposes of operation, management, compliance, or risk assessment:
(a) DORDLE’s head office, parent corporation, subsidiaries, and/or any other organisation with a common directorship;
(b) consultants, advisors, auditors, accountants, lawyers, tax advisors, technology providers, or other professional service providers engaged by DORDLE in connection with the management, operation, administration, or compliance obligations of DORDLE;
(c) rating agencies, insurers, credit protection organizations, financial institutions, or other entities that assess creditworthiness, provide insurance, guarantees, risk coverage, or financial stability evaluations in connection with DORDLE’s operations or your Account;
(d) any court, tribunal, or regulatory body with jurisdiction over DORDLE and/or you; and
(e) any other persons or entities where disclosure is necessary to protect DORDLE’s rights, enforce its obligations under these Terms, prevent fraud, money laundering, terrorist financing, sanctions violations, or other unlawful or improper activity.
20.4 Security of Information
DORDLE undertakes to ensure that all Confidential Information retained or processed in accordance with these Terms is stored securely and in compliance with applicable security standards and data protection laws, including the DPA and, where applicable, the GDPR.
20.5 Survival
The obligations under this Clause 19 shall survive termination or expiration of these Terms for a period of five (5) years, except where applicable law requires a longer retention or protection period.
21.1 Publicity. You permit us to publicly mention you as our client on our website and/or marketing materials.
21.2 Force Majeure. Except for any payment obligations you may have under these Terms, neither Party shall be deemed to be in default of any provision hereof or be liable for any delay, failure in performance, or interruption of service resulting directly or indirectly from acts of God, civil or military authority, civil disturbance, war, strikes, fires, other catastrophes, power failure or any other cause beyond its reasonable control.
21.3 Waiver. No waiver by either Party of any default by the other in the performance of any provisions of these Terms shall operate as a waiver of any continuing or future default, whether of a like or different character.
21.4 Assignment. You shall not assign or transfer these Terms without our prior written consent, and any attempted assignment or transfer shall be null and void and shall constitute a material breach of these Terms. DORDLE may assign all or part of its rights and obligations under these Terms at its discretion. On the effective date of any valid assignment pursuant to this Clause 20.4, the assignor shall be released from all obligations and liabilities arising under these Terms or, in case of a partial assignment by DORDLE, from all obligations and liabilities arising from the parts of these Terms that have been assigned.
21.5 Entire Agreement. These Terms, taken together with (i) the completed Service Registration Form and (ii) applicable Schedules to these Terms, represents the entire agreement between the Parties with respect to its subject matter and supersedes all previous agreements, representations, discussions, understandings or writings between the Parties with respect to its subject matter. In the event of a conflict or inconsistency between the terms of these Terms, and the terms of any Service Registration Form or Schedule, these Terms shall prevail.
21.6 Compliance with Applicable Law. You will comply with any and all laws, rules, regulations or orders applicable to your receipt of and use of the Platform and the Services.
21.7 Authority to Enter into the Terms. The parties represent and warrant that they have all necessary power and authority to execute and perform these Terms, and these Terms are a legal, valid and binding agreement, enforceable against each Party in accordance with its terms.
21.8 Survival. Clauses 2, 3, 4, 5, 6, 7, 9, 10, 12, 13, 14.1.8, 15, 18, 20 and 21.13 shall survive any termination of these Terms.
21.9 Headings. The headings in these Terms are intended for convenience of reference and shall not affect its interpretation.
21.10 If any provision of these Terms (or any portion thereof) shall be invalid, illegal or unenforceable, the validity, legality or enforceability of the remainder of these Terms shall not in any way be affected or impaired thereby.
21.11 The Parties to these Terms are independent contractors, and nothing in these Terms will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the Parties. Neither Party is an agent or representative of the other or is authorized to make any warranties or assume or create any other obligations on behalf of the other.
21.12 Telephone Recording. DORDLE may record and/or monitor incoming or outgoing communication, on any advertised, operated or related telephone numbers of DORDLE, under or in connection with these Terms without any prior notice to you. Where a recording is made pursuant to this Clause 21.12, said recording shall be the sole property of DORDLE and evidence the truth of its contents. You acknowledge that it shall not be entitled to access, copy, compel delivery or otherwise, any recording whatsoever unless otherwise required by law.
21.13 You agree that, except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to these Terms.
22.1 Our rights under these Terms may and only be waived in writing.
23.1 These Terms are governed by the laws of Cayman Islands and you agree to the exclusive jurisdiction of the courts of Cayman Islands, unless otherwise specified within a Schedule as appropriate. To the extent the law permits, these Terms prevail to the extent they are inconsistent with any law.
24.1 DORDLE is not your broker, intermediary, agent, or advisor and does not owe you any fiduciary duty or other obligations in connection with any credit, financial, or investment decisions you make using the Services. Any communication, information, or materials provided by DORDLE are for informational purposes only and are not intended to be, nor should they be construed as, credit advice, investment advice, financial advice, or any other form of professional advice.
24.2 All credit assessments, ratings, or reports provided by DORDLE are based on data and information available to DORDLE and are for reference only. You are solely responsible for determining whether any credit transaction, financial decision, or strategy is appropriate for you based on your personal financial circumstances, credit objectives, and risk tolerance. You should consult your own legal, tax, or financial advisors regarding your specific situation.
24.3 DORDLE does not recommend, endorse, or suggest that any person should enter into, modify, or terminate any credit, lending, or financial arrangement. Before making any credit or financial decision, you must conduct your own due diligence and seek professional advice as appropriate. DORDLE will not be responsible or liable for any decisions you make based on the information, assessments, or reports provided by DORDLE.
Definitions.
“Account” means an account established by DORDLE on behalf of you;
“Anti-Money Laundering Legislation” means the Cayman Islands Anti-Money Laundering Regulations (as Revised) and the Cayman Islands Monetary Authority (CIMA) Guidance Notes on the Detection of Money Laundering and Terrorist Financing in the Cayman Islands;
“Business Day” means any business day, except a Saturday, Sunday or a national public holiday in the Cayman Islands, or a day during which trading has been suspended on DORDLE pursuant to any enactment, or a day which DORDLE declares not to be a Business Day;
“Confidential Information” means all information and ideas of any kind supplied by one Party to the other Party in accordance with the Terms where such information and ideas are proprietary in nature and not common knowledge or publicly available;
“Corporate and Securities Legislation” includes the laws and regulations in the Cayman Islands that govern how companies are formed and run, how securities are issued or traded, and how those activities are regulated—such as company laws, securities laws, and rules enforced by the Cayman Islands Monetary Authority;
“Effective Date” the date on which all relevant verification, identification, Know-Your-Customer, Anti-Money Laundering and Account set up processes anticipated by the relevant Service Registration Form are completed and confirmed to you following the Submission Date;
“Fee Schedule” means the fee details and structure listed in respect of relevant Services;
“Financial Crime Legislation” means the Cayman Islands Proceeds of Crime Law (as Revised), the Proliferation Financing (Prohibition) Law (as Revised) and the Anti-Corruption Law (as Revised);
“Know-Your-Customer” or “KYC” means the process of verifying the identity of a User (and, where applicable, its beneficial owners, controllers, directors, or authorised representatives) in order to comply with applicable laws, regulations, and industry standards relating to anti-money laundering, counter-terrorist financing, sanctions compliance, anti-fraud, and customer due diligence. KYC may include the collection, verification, and ongoing monitoring of personal information, identification documents, corporate records, and other data, whether obtained directly from the User or through third-party verification services;
“Party” means DORDLE and you where each may be collectively referred to as the “Parties”;
“Proliferation Financing Legislation” means the Cayman Islands laws and regulations, including the Proliferation Financing (Prohibition) Act (as Revised), that prohibit providing or facilitating funds, resources, or services for the development or spread of nuclear, chemical, or biological weapons, their delivery systems, or related dual-use goods in breach of national or international obligations;
“Sanctions Legislation” means any applicable law that is imposed, administered or enforced from time to time by: (i) the European Union; (ii) HM Treasury or the United Kingdom; (iii) the US Department of Treasury Office of Foreign Asset Control or the United States of America; (iv) the United Nations Security Council; or (v) any of their successors or such other agencies confirmed by DORDLE from time to time.
“Service Registration Form” means the suite of documents and/or electronic forms, including, without limitation, the data contribution and access agreement, Know-Your-Customer (KYC) documentation, and any other information or declarations required by DORDLE, used to establish your Account and collect all requisite account, KYC, and service election information in relation to the Services you are seeking from DORDLE. The Service Registration Form constitutes your agreement to comply with the Terms and applicable Schedules and is deemed completed upon submission by you and receipt by DORDLE on the “Submission Date”;
“Submission Date” means the date on which your completed Service Registration Form is received by DORDLE;
“Terms” means these Terms and Schedules;
“Terrorist Financing Legislation” means Cayman Islands Terrorism Law (as Revised);
“User” means any individual, company, partnership, trust, governmental authority, or other legal entity that accesses, registers for, or uses the Platform or Services, whether directly or through an authorised representative, and includes any person for whose acts or omissions the User is legally responsible.
GENERAL
The Platform may charge fees for the provision of any of its services, as detailed in this Fee Schedule.
The Platform may reassess this Fee Schedule at any time for any reason, provided notice is given to Users in accordance with the Terms.
Unless stated otherwise, all fees are exclusive of applicable taxes, levies, or other governmental charges.
ACCOUNT FEES
Account Registration Fee – one-time fee for creating a User Account.
Account Maintenance Fee – recurring fee for active Accounts, charged monthly or annually.
Premium Subscription Fee – recurring fee for access to enhanced features, analytics, or priority services.
CREDIT REPORT AND DATA FEES
Standard Credit Report Fee – fee per individual or business credit report containing basic credit history and score.
Detailed Credit Report Fee – fee for enhanced reports including historical trends, risk scoring, and additional analytics.
Custom Report Fee – fee for reports tailored to specific requirements, including multiple entities, additional data points, or bespoke formatting.
Data Update Fee – fee for refreshing or updating previously generated reports on request.
API AND INTEGRATION FEES
API Access Fee – recurring or per-request fee for programmatic access to the Platform’s credit data.
API Call Fee – charged per data call or when usage exceeds allocated limits.
Integration Setup Fee – one-time fee for technical setup, onboarding, or assistance with integrating the Platform’s data into third-party systems.
TRANSACTIONAL FEES
Payment Processing Fee – per-transaction fee covering costs of payment providers.
Currency Conversion Fee – charged if payment is made in a currency different from the billing currency.
Rush / Expedited Processing Fee – fee for urgent requests requiring faster delivery of reports or services.
CONSULTATION AND SUPPORT FEES
Advisory / Consultation Fee – fee for personalized advice, risk assessment, or bespoke analysis.
Customer Support Fee – fee for extended support beyond standard service levels, if applicable.
PENALTIES AND LATE FEES
Late Payment Fee – charged when payment for any service is not received by the due date.
Reinstatement Fee – fee to restore suspended or terminated Accounts due to non-payment or breach of Terms.
THIRD-PARTY FEES
Data Sourcing Fees – fees charged by third-party credit bureaus, registries, or other data providers.
Verification Fees – fees for third-party identity, employment, income, or other verification services.
Payment Processing Fees – fees charged by third-party payment providers, including currency conversion charges.
Legal / Regulatory Fees – fees for compliance, mandatory reporting, or regulatory services provided by third parties.
Other Third-Party Services – fees for additional services necessary to provide the Platform or Services, including courier charges, document notarization, or specialized analytics.
User Acknowledgment – Users acknowledge that third-party fees are separate from Platform fees and may be billed directly by the third party or passed through by the Platform.
MISCELLANEOUS
All fees are subject to change, and the Platform will provide notice of changes in accordance with the Terms.
Users are responsible for any taxes, levies, or other governmental charges applicable to the Platform’s services.
Fees not explicitly listed herein may be applied at the Platform’s discretion, with notice provided to Users.
Authorised Instructions
You hereby represent and warrant that where DORDLE is provided instructions on your Account through the Platform, DORDLE may rely upon and action those instructions, and you shall have no recourse against DORDLE.
DORDLE represents and warrants that it shall only deal with your Account where DORDLE has or appears to have received instructions from you via the Platform.
Where authorised instructions have been received by DORDLE pursuant to this clause, said authorised instructions shall remain in force until such time as DORDLE is notified otherwise by the Platform.
Unclear Instructions
Where authorised instructions have been received by DORDLE pursuant to this clause, DORDLE undertakes to take reasonable steps to obtain clarification around any instruction which is not sufficiently clear. Notwithstanding the foregoing, DORDLE may, at its discretion, act upon any instruction which it believes is a reasonably clear direction from you, or may refuse to act upon any authorised instruction which it believes to be unclear or ambiguous until you have clarified any uncertainty in said authorised instruction.
Limitation of Liability for Instructions
DORDLE shall not be liable for any loss, damage, or delay arising from:
(a) instructions that are unclear, inaccurate, incomplete, or ambiguous;
(b) bulk data requests or submissions that include incorrect, outdated, or unauthorized third-party information;
(c) API requests or automated instructions that fail to comply with technical or formatting requirements; or
(d) any reliance by DORDLE on instructions that appear to be authorised, even if they were not validly authorised.
you acknowledge and agree that DORDLE’s obligations are limited to processing instructions in accordance with these Terms, and DORDLE shall not be responsible for:
(a) the accuracy, legality, or completeness of information provided to DORDLE by you or third parties; or
(b) any consequences resulting from the use of credit reports, ratings, or other data obtained via the Platform.
DORDLE shall not be liable for any indirect, incidental, consequential, or punitive damages arising from the execution, non-execution, or misinterpretation of instructions, including, but not limited to, financial loss, reputational harm, or regulatory consequences.
When you use the Platform or Services, you agree and covenant to observe the following:
All activities carried out during your use of the Services must comply with applicable laws, regulations, and guidelines issued by DORDLE.
Your use of the Services will not violate public interests, public ethics, or the legitimate rights of others, including any actions that would interfere with, disrupt, or negatively affect other Users’ access to or use of the Services.
You agree not to use the Services to engage in market manipulation, misrepresentation, or other fraudulent activities, including but not limited to dissemination of false ratings or misleading financial information.
The following commercial uses of DORDLE data are prohibited unless prior written consent from DORDLE is granted:
Re-selling or redistributing credit ratings, reports, or other data generated by DORDLE.
Using DORDLE ratings or data as the basis for subscription-based or paywalled financial services.
Incorporating DORDLE ratings or data into websites, apps, or services that monetize such data through advertising, referral fees, or other commercial means.
You may not modify, reproduce, duplicate, copy, download, store, further transmit, disseminate, transfer, disassemble, broadcast, publish, remove or alter any proprietary notices, license, sublicense, sell, mirror, frame, rent, lease, private label, create derivative works of, or otherwise exploit the intellectual property of DORDLE or any portion thereof without DORDLE’s prior written consent.
You may not:
(a) Use any “deep link,” “page scrape,” “robot,” “spider,” or other automated device, program, script, or methodology to access, acquire, copy, or monitor any portion of the Services except as intentionally made available by DORDLE;
(b) Attempt to gain unauthorized access to any part of the Services, DORDLE servers, or associated networks, by hacking, password mining, or other prohibited means;
(c) Probe, scan, or test the vulnerability of the Services or any connected networks, or breach security or authentication measures;
(d) Trace or attempt to trace information regarding other users without consent;
(e) Take any action that imposes an unreasonable or disproportionately large load on the Services or DORDLE systems;
(f) Use any device, software, or routine to interfere with proper functioning of the Services or the experience of other Users;
(g) Forge headers, impersonate any person, or manipulate identifiers to disguise your identity; or
(h) Use the Services for any unlawful purpose.
By accessing the Services, you agree that DORDLE has the right to investigate any suspected violation of these Terms, determine unilaterally whether a violation has occurred, and take actions it deems appropriate without prior notice or consent. Examples of such actions include, but are not limited to:
Restricting or suspending your access to the Services;
Freezing or terminating your Account;
Reporting the incident to authorities if necessary;
Publicly disclosing the alleged violations and actions taken;
Removing any content or data you have published in violation of these Terms.
By using the Services via the Platform (as defined in the Terms), you are exposed to certain risks which are explained in this Risk Statement (hereinafter – the “Statement”). This Statement is directly related to the Platform (hereinafter – the “Agreement”). The Agreement, the Statement, and other related documents form an integral part of the Agreement, together constituting one legally binding document. Please read this document carefully.
The Statement provides information regarding the risks associated with our Services, which may be provided either by us or our affiliates, partners or third-parties. These Services involve inherent risks and may not be suitable for every individual or entity. This Statement is designed to provide general information regarding the risks associated with the Services, but it is not exhaustive and does not consider your personal financial situation, objectives, or risk tolerance. Additional risks may exist that are not disclosed because they are unknown or considered insignificant at the time of publication.
The decision to use our Services should not be made solely on the basis of the following risk factors.
Risks Associated with the Services
Credit Data Accuracy Risk
The information underlying our ratings may be incomplete, inaccurate, outdated, or based on unverifiable sources. You acknowledge that reliance on such information carries the risk of misinterpretation or loss.
Model and Methodology Risk
Ratings are based on proprietary models, methodologies, and assumptions. Changes to these models or inaccuracies in assumptions may result in ratings that do not accurately reflect the creditworthiness of the entity or instrument.
Reliance Risk
Ratings are opinions, not guarantees. Users relying on our ratings for investment or financial decisions do so at their own risk. The Services are not intended as investment, financial, or trading advice.
Regulatory and Legal Risk
The legal and regulatory framework for credit rating agencies may change. Regulatory investigations, enforcement actions, or legal proceedings may affect the Services, limit availability, or result in financial or reputational harm.
Cybersecurity and Data Breach Risk
The Platform may be subject to hacking, unauthorized access, or data breaches. Such events could compromise sensitive data, including proprietary financial information, and may result in financial, legal, or reputational harm
System and Technology Risk
Service outages, software errors, or infrastructure failures may lead to delays, errors, or unavailability of the Services. You acknowledge that technical failures may affect your access to information
Confidentiality and Privacy Risk
The Platform may store sensitive information regarding entities or users. Unauthorized disclosure, misuse, or accidental release of such information could occur despite security measures.
Conflict of Interest Risk
Potential conflicts of interest may arise if the agency receives fees or compensation from entities it rates. Users should assess ratings independently and not assume impartiality beyond what is disclosed.
Reputational Risk
Ratings may be challenged or proven inaccurate. Negative outcomes may affect our reputation, and users relying on ratings may experience loss or reduced trust in the Services.
Market Reaction Risk
Ratings can influence market perception of debt instruments or entities. Ratings may change due to new information, potentially affecting users’ decisions and the market value of financial instruments.
Third-Party Data Provider Risk
Ratings may rely on information obtained from third-party providers. The accuracy, timeliness, or completeness of such data is outside our control, and errors by third parties may impact ratings.
Legal Action Risk
Users or rated entities may bring claims if a rating is alleged to have caused financial loss. Such claims, regardless of merit, could result in legal and reputational consequences.
Other Risks
Other unforeseen risks may arise that are beyond our control, including without limitation, those related to market, technological, or operational changes affecting the Platform or the Services.
Acknowledgment of Risks
By using the Services, you acknowledge and agree that you have reviewed this Statement and understand the risks described herein. You further confirm that you accept these risks and are responsible for independently evaluating the suitability of the Services for your own purposes.