Terms of Service

By accessing, registering for, or using the ComplianceIQ platform (the "Platform"), you confirm that you have read, understood, and agree to be bound by these Terms of Service and all applicable laws and regulations. If you are accepting these terms on behalf of an organisation, you represent that you have the authority to bind that organisation.

If you do not agree to these Terms, you must not access or use the Platform. Continued use of the Platform following notification of any changes constitutes acceptance of those changes.

These Terms should be read alongside our Privacy Policy, which is incorporated by reference and forms part of this agreement.

ComplianceIQ is an AI-powered compliance maturity assessment and intelligence platform designed specifically for financial institutions operating in Africa. Through the Platform, we provide:

• Compliance framework assessments across standards including ISO 27001, PCI DSS v4.0, FFIEC CAT, NDPA 2023 / GAID 2025, Basel III, and AML/CFT frameworks
• Automated maturity scoring using a five-level maturity model (Initial → Optimising)
• AI-driven gap analysis, control recommendations, and remediation guidance delivered through ARIA, our AI Compliance Advisor
• Holographic compliance certificates for institutions achieving qualifying maturity scores
• Evidence management and audit trail functionality
• Regulatory reporting tools and board-ready compliance reports
• Mock regulatory examination simulations
• Team collaboration and multi-user workflow features

We reserve the right to modify, suspend, or discontinue any feature of the Platform at any time, with reasonable notice where practicable.

ComplianceIQ uses advanced artificial intelligence technology, including machine learning and natural language processing, to deliver compliance analysis, scoring, and recommendations. ARIA, our AI Compliance Advisor, is powered by this technology and assists users in interpreting assessment results, identifying compliance gaps, and prioritising remediation actions.

Important limitations:

• AI-generated analysis, scores, recommendations, and reports are informational in nature only
• Nothing produced by the Platform constitutes legal advice, regulatory guidance, or a guarantee of regulatory compliance
• AI outputs may contain errors, omissions, or inaccuracies — you must apply professional judgement before acting on any recommendation
• Compliance certificates issued by ComplianceIQ are attestations of platform-assessed maturity and do not represent regulatory approval or authorisation by any government body

You remain solely responsible for all compliance decisions, regulatory filings, and the accuracy of information submitted to regulatory authorities. We strongly recommend that AI-generated compliance analysis be reviewed by qualified compliance professionals before material reliance.

Your institutional data submitted to the Platform is processed to generate your compliance analysis. We do not use your confidential institutional data to train or improve our AI models without your explicit written consent.

You must create an account to access the Platform. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password confidential and not share account credentials with unauthorised individuals
• Immediately notify us of any suspected unauthorised access to your account
• Take responsibility for all activities that occur under your account

For security purposes, the Platform implements account lockout after repeated failed login attempts, in accordance with PCI DSS Requirement 8.3.4 and CBN IT Security Standards. Accounts may be locked for up to 30 minutes following 10 consecutive failed login attempts.

We reserve the right to suspend or terminate any account that we reasonably believe has been compromised, is being misused, or where you have violated these Terms.

You must be at least 18 years old to create an account. Accounts must be registered using a legitimate institutional email address.

Subject to your compliance with these Terms, Quantum Leap AI grants you a limited, non-exclusive, non-transferable licence to access and use the Platform for your institution's internal compliance management purposes.

You must not:

• Use the Platform for any unlawful purpose or in violation of applicable laws and regulations
• Attempt to gain unauthorised access to any part of the Platform or its underlying systems
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive source code from the Platform
• Resell, sublicense, or commercialise access to the Platform without our written consent
• Use AI-generated outputs to build, train, or fine-tune a competing artificial intelligence model or compliance tool
• Upload data that infringes third-party intellectual property rights or contains malware
• Interfere with or disrupt the integrity or performance of the Platform
• Impersonate any person or organisation or misrepresent your affiliation
• Use automated means (bots, scrapers) to access the Platform beyond what is expressly permitted
• Submit false or misleading compliance data with intent to obtain certificates or scores that do not reflect actual compliance posture

Our Privacy Policy governs how we collect, process, and protect your personal data and institutional information. By using the Platform, you consent to such processing as described in the Privacy Policy.

You retain ownership of all data, assessment responses, and institutional information you submit to the Platform ("Customer Data"). You grant us a limited licence to process Customer Data solely to provide the Platform's services to you.

We implement commercially reasonable technical and organisational security measures to protect Customer Data, including 256-bit AES encryption at rest and in transit. However, no data transmission or storage system is completely secure, and we cannot guarantee absolute security.

Both parties agree to maintain the confidentiality of the other party's confidential information and not to disclose it to third parties without prior written consent, except as required by law or regulation.

The Platform, including its software, algorithms, AI technology, design, content, branding, and documentation, is owned by Quantum Leap AI International Limited and protected by copyright, trade secret, and other intellectual property laws. Nothing in these Terms transfers any intellectual property rights to you.

ComplianceIQ, ARIA, and Quantum Leap AI International are trademarks of Quantum Leap AI International Limited. You may not use these marks without our prior written consent.

If you provide us with feedback, suggestions, or ideas about the Platform ("Feedback"), you grant us a perpetual, irrevocable, royalty-free licence to use such Feedback for any purpose, including improving the Platform.

Access to the Platform is provided on a subscription basis under the STARTER, PROFESSIONAL, or ENTERPRISE tier as set out in your subscription agreement or at the time of registration. Your subscription tier determines the features, assessment volume, and support level available to you.

Subscription fees are payable in advance and are non-refundable except where required by applicable law. Fees will be invoiced annually or monthly as agreed. We reserve the right to modify subscription pricing with at least 30 days' written notice prior to your next renewal date.

Failure to pay fees when due may result in suspension of your access. Upon termination, you will retain access to download your Customer Data for a period of 30 days.

We aim to provide a reliable, high-availability platform but do not guarantee uninterrupted access. The Platform may be temporarily unavailable for scheduled maintenance, emergency repairs, or due to circumstances beyond our reasonable control (including internet infrastructure failures, natural disasters, or regulatory action).

We will use reasonable endeavours to provide advance notice of planned maintenance periods. Critical security patches may be applied without prior notice.

We may modify, enhance, or discontinue features of the Platform. Where modifications materially affect your use, we will provide reasonable advance notice.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, QUANTUM LEAP AI DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF AI-GENERATED CONTENT.

We do not warrant that the Platform will be error-free, that defects will be corrected, that the Platform is free of viruses or other harmful components, or that compliance assessments will reflect the view of any regulatory authority.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL QUANTUM LEAP AI OR ITS DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR REGULATORY FINES, ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE TOTAL FEES YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY, SO THE ABOVE LIMITATIONS MAY NOT FULLY APPLY TO YOU.

You agree to indemnify, defend, and hold harmless Quantum Leap AI International Limited, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or relating to:

• Your use of the Platform in violation of these Terms
• Your violation of any applicable law or regulation
• Your infringement of any third-party intellectual property or privacy rights
• The accuracy and completeness of compliance data you submit to the Platform
• Any regulatory action arising from your reliance on AI-generated analysis without independent professional review

Governing Law: These Terms are governed by the laws of the Federal Republic of Nigeria, including the Companies and Allied Matters Act 2020 (CAMA) and the Nigeria Data Protection Act 2023 (NDPA), without regard to conflict of law principles.

Dispute Resolution: Any dispute arising from these Terms shall first be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration in Lagos, Nigeria, under the Arbitration and Conciliation Act. Each party bears its own arbitration costs unless the arbitrator rules otherwise.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement: These Terms, together with our Privacy Policy and any subscription agreement, constitute the entire agreement between you and Quantum Leap AI International regarding your use of the Platform and supersede all prior agreements.

Waiver: Our failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision in the future.

Assignment: You may not assign these Terms or your rights hereunder without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Contact: Questions about these Terms may be directed to legal@quantumleapai.com or: Quantum Leap AI International Limited, Lagos, Nigeria.