Updated: January 2026
These Terms of Service (the “Terms”) represent a legally binding contract between you (you, or the User) and Archer Protect Inc. (Archer Protect, we, our or us or the company). By signing or accepting this Terms of Service (“TOS”) or by using Archer Protect’s API, platform, or related services (collectively, the “Services”), you agree to be bound by the terms and conditions set out herein.
Any new services, features, or tools added to the Platform from time to time shall be considered a Service and shall also be subject to these Terms of Service unless indicated otherwise.
Archer may revise this TOS from time to time. Updates will be communicated to you via the email associated with you and posted on Archer’s website. Please note that it is your responsibility to check this page from time to time to make sure you are aware of any changes to these Terms of Service.
1.1. Affiliate: any entity that controls, is controlled by, or is under common control with a Party.
1.2. AI-Powered Services: this includes Archer’s automated systems, machine-learning tools, predictive models, and decision-support engines used for fraud detection, compliance, and risk analysis.
1.3. API Key: the confidential unique credentials (including security keys, tokens, and passwords) provided by Archer for accessing the Services.
1.4. Customer: shall be deemed to include Archer’s customer, Customer’s Authorised Users and end users of the Customer applications, where applicable.
1.5. Data means any information, records, content, or materials, whether personal, non-personal, transactional, behavioural, technical, pseudonymised, aggregated, or otherwise submitted to, shared with, or processed through the Services by the User or Archer for the purpose of providing the Services.
1.6. Fees: all amounts payable by the User to Archer for access to or use of the Services.
1.7. Integration: the process of connecting your systems to Archer’s platform or API to enable use of the Services.
1.8. Intellectual Property Rights: all intellectual property and proprietary rights, including patents, copyrights, trademarks, trade secrets, and related rights under applicable laws.
1.9. Malicious Code: any code, file, or program intended to harm or disrupt systems, including viruses, worms, trojans, and similar.
1.10. Material Service Failure: a sustained and reproducible failure of Archer Protect’s core APIs or platform availability that materially prevents the Client from accessing or using the Solution for its intended business purposes, excluding (i) AI outputs, fraud detection results, or risk scoring outcomes, (ii) failures caused by third-party systems, integrations, or customer data issues, (iii) events of force majeure, or (iv) misuse, misconfiguration, or improper use of the Solution by the Client.
1.11. Platform: means the web app and AI-powered software application owned and operated by Archer, including all associated interfaces, dashboards, APIs, databases, and underlying algorithms that enable access to the Services.
1.12. Service: means the suite of AI-driven fraud prevention, compliance, and risk intelligence products and tools made available by Archer through the Platform, including;
1.12.1. Fraud Intelligence API
1.12.2. Duplicate Account Detection
1.12.3. Transaction Monitoring System (TMS)
1.12.4. Transaction Analytics
1.12.5. Case Management System (CMS)
1.12.6. Sanctions & Watch-list Screening
1.12.7. Customer Risk Scoring Engine
1.12.8. Compliance Workflow Tools
1.12.9. Risk Alerts and Automated Investigations
1.12.10. Regulator Reporting Tools,
1.12.11. Fraud Data Network and
1.12.12. Data-Sharing Analytics.
1.13. Software: means Archer’s proprietary software platform, web applications, modules, systems, and dashboards.
1.14. Terms of Service (TOS): these terms, together with any referenced schedules, annexes, or updates
Archer Protect Inc is an AI-powered anti-fraud company that provides fraud-prevention, risk-intelligence and compliance software solutions to businesses. It offers a comprehensive suite of services supporting fraud detection (across customer onboarding, lending, payments and multi-channel banking), case-management and compliance workflows (including transaction monitoring and suspicious activity escalation).
3.1. To access the Services, you must register an account on the Platform (the “Account”). [4.1]
3.2. As a Customer you may designate personnel to access the Platform as authorised users (“Authorised Users“). The Customer is responsible for all acts and omissions of its Authorised Users, and any breach of these Terms by an Authorised User will be deemed a breach by the Customer. Authorised User accounts are personal and may not be shared with any other individual. The Customer must promptly notify Archer Protect of any known or suspected unauthorised access to or use of an Authorised User’s account or API Key. Any activity occurring through an Authorised User’s account will be deemed to have been performed by that user, and any use of an API Key will be deemed to have been performed by the Customer.
3.3. You hereby represent and warrant that the information you provide to Archer upon registration and at all other times will be true, accurate, current, and complete. You will ensure that this information is kept up-to-date at all times.
3.4. You are responsible for any use of our Services with your Account details and password and for protecting your Account details and password from unauthorised use. You must not share this information with any other person. You are also responsible for the security of any computer on which you choose to sign in to your Account.
3.5. You warrant that if you are acting on behalf of your company in dealing with Archer, you have the capacity to act in such manner and capacity.
Archer reserves the right, at any time:
4.1. To modify or update any of the Terms of Service, said modification or update being effective upon its posting on the Platform;
4.2. To suspend or interrupt the access to or the operation of the Platform, or any portion of it, as necessary to perform maintenance and/or for any other reasonable purpose; and/or
4.3. To modify or change the Platform, or any portion of it, including adding, removing, or modifying features and options within the Platform;
4.4. Your continued use of the Platform shall be considered your acceptance of the revised Terms of Service.
5.1. Archer provides access to its Services through secured APIs and software tools. The User will receive API Keys and relevant documentation to facilitate integration and use.
5.2. The User may access the Services through Archer’s APIs, web dashboards, Software modules, Integrations or plug-ins.
5.3. Archer may update or improve its systems, algorithms, risk models, dashboards, or workflows interfaces. Routine updates will not disrupt integrations. Version upgrades that require new integrations will be communicated in advance.
5.4. Archer and the User will agree on integration timelines.
5.5. AI-Powered Services
Archer’s services incorporate artificial intelligence and machine learning technologies (“AI Systems”) that analyse data to identify potential risks, anomalies, or fraudulent activity. The output generated by these AI Systems is based on probabilistic analysis and pattern recognition, and is provided for informational and decision-support purposes only.
Users acknowledge that:
5.5.1. AI results are not guaranteed to be accurate, complete, or error-free;
5.5.2. Final business or compliance decisions remain the sole responsibility of the User; and
5.5.3. Archer Protect disclaims liability for losses or decisions made solely on AI outputs without appropriate human review.
5.5.4. The AI service is provided “as is” without any warranties, express or implied. We do not guarantee the accuracy, reliability, or completeness of the generated content.
5.5.5. The AI may sometimes produce incorrect, biased, or outdated information. By using this service, you agree that you understand these limitations.
5.5.6. You acknowledge and agree that the Service is not designed for, and shall not be used as a sole source for, making critical decisions in areas including but not limited to:
5.5.6.1. Medical: Diagnosis, treatment, or health advice.
5.5.6.2. Legal: Legal advice, contract review, or litigation strategies.
5.5.6.3. Financial: Investment advice, tax planning, or financial forecasting.
5.5.6.4. Health and Safety: Operations impacting personal or public safety.
5.6. Fraud Data Network
5.6.1. As part of the Services, Archer offers an optional collaborative fraud and risk intelligence network (the “Network”), which enables participating customers to benefit from enhanced fraud detection signals derived from aggregated risk patterns and behavioural indicators observed across multiple customers’ use of the Services.
5.6.2. Opt-In Participation: The Customer may elect to participate in the Network by written or electronic notice to Archer Protect and may be opted out of by the Customer at any time upon written notice.Archer Protect shall retain the sole right, at its discretion, to limit, suspend, or withdraw Customer’s access to the Network at any time, without affecting Customer’s access to the core Services.
5.6.3. Where Customer participates in the Network, Archer may use risk, device, and transaction data processed in the ordinary course of providing the Services to:
5.6.3.1. generate aggregated and anonymised risk signals; and
5.6.3.2. update, enrich, and refine Network models and indicators, strictly in accordance with this Agreement and applicable data protection laws.
5.6.4. Archer shall not disclose to any third party or other Network participants:
5.6.4.1. Customer’s raw data;
5.6.4.2. Customer’s identity; or
5.6.4.3. any proprietary or confidential information.
5.6.5. All Network data, outputs, and signals shall be aggregated, anonymised, and/or pseudonymised, and shall be engineered to prevent re-identification or attribution to any individual Customer or end user, including whether any signal or insight originated from Customer or its data.
5.6.6. Archer may generate and provide Customer with Network-derived signals, indicators, or matches informed by aggregated activity across participating customers. Such outputs are provided solely as risk intelligence and decision-support tools, and shall not constitute legal, regulatory, or compliance advice.
5.6.7. Archer retains discretion to determine Network eligibility criteria, scope, and technical architecture, and may modify or enhance Network features from time to time, provided that such changes do not materially reduce the privacy or data protection safeguards set out in this Agreement.
6.1. You agree to use Archer’s APIs solely for lawful purposes related to accessing the Services.
6.2. You agree to keep API Keys confidential and not share them with unauthorised persons.
6.3. You agree to be solely responsible for all actions conducted through your API Keys.
6.4. You agree to use the Services responsibly and in accordance with all applicable documentation, laws, and regulations.
6.5. You shall provide accurate and complete data to enable the provision of the Services.
6.6. You are responsible for maintaining the confidentiality of your Account credentials, including usernames, passwords, and any authentication methods provided by the Platform.
6.7. You agree to notify Archer immediately of any unauthorised use of your Account or any other breach of security.
6.8. You shall ensure that all information provided during Account creation and use of the Platform and Services is accurate, complete, and kept up to date.
6.9. You shall not use the Platform to engage in activities that may infringe Intellectual Property Rights, breach applicable data protection laws, or violate the rights of third parties.
6.10. You agree to use the Platform and Services only for lawful purposes and in compliance with all applicable laws, regulations, and industry standards.
6.11. You shall maintain secure systems and access controls;
6.12. You shall ensure that personnel using the Platform are duly authorised;
6.13. You shall comply with applicable laws related to fraud prevention, Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) data protection, and financial regulation.
6.14. You agree to allocate appropriate technical resources and cooperate with Archer to complete integration and testing before going live.
6.15. You are responsible for your systems, security configurations, and any data submitted to the Services. You must ensure that all integrations, transmissions, and stored data comply with applicable law.
6.16. You agree to share relevant data (including fraud-related, historical, and transactional data) with Archer to enable effective risk screening and fraud detection.
6.17. You agree to process data only for legitimate and lawful purposes in line with the applicable data protection laws.
7.1. In providing its AI-Powered Services, Archer may process, analyse, and derive insights from but not limited to transactional, behavioral, and risk data submitted by Users.
7.2. Users retain ownership of their data but grant Archer a royalty-free, worldwide and limited licence to use such data to:
7.2.1. deliver the Services; and
7.2.2. improve system accuracy through model training.
7.3. Your data may be used for but not limited to pseudonymised, aggregated, or otherwise protected to improve the accuracy and performance of Archer’s AI models, enhance fraud-pattern recognition, reduce false positives/negatives, develop new risk-detection features, build behavioural and transactional risk models and generalise detection capabilities across participating organisations.
7.4. Archer shall ensure training data is minimised and transformed where feasible. No User-sensitive data is used in a manner that reveals proprietary information. No model outputs reveal another User’s confidential data, AI training processes comply with Applicable Data Protection Laws.
7.5. Archer conducts periodic quality assurance checks and monitoring of the AI system’s outputs to maintain accuracy, reliability and alignment with intended functionalities
7.6. Archer implements safeguards to detect and prevent incorrect or unintended outputs and may notify the User of any identified errors or anomalies that could adversely affect the Services. As with any AI system, errors may occur, and the User remains responsible for exercising human judgment and oversight over AI-generated outputs.
7.7. We implement robust technical and organisational measures to protect data processed by the AI against unauthorised access, misuse, loss, damage, destruction, alteration, or corruption.
7.8. You have the right to request clarification regarding the operation of AI systems that materially affect your interaction with the Platform and to obtain human review where automated processing significantly influences a recommendation.
7.9. Subject to your continued compliance with these Terms and full payment of applicable fees, Archer Protect hereby assigns to you all right, title, and interest in and to the specific text, code, or data generated by the AI in response to the Organization’s prompts (“Output”).
7.10. You may use the Output for any lawful commercial or non-commercial purpose, including but not limited to internal business operations, product development, and client deliverables.
7.11. You shall not copy, distribute, modify, or use AI-generated content in a manner that infringes any intellectual property rights, misleads, causes harms or damage to others, or violates any law.
8.1. Notwithstanding Section 7.9, Archer Protect retains all ownership of the Platform, the underlying AI models, and any “Pre-existing Material” incorporated into the Output. Archer Protect is granted a non-exclusive, perpetual license to use any such Pre-existing Material solely as it is integrated into the Output.
8.2. By submitting data, prompts, or files to the Platform (“Input”), you grants Archer Protect a limited, global, and royalty-free license to process the Input solely to provide the Services.
The Services may incorporate large language models and other technologies (“Third-Party Models”) that are developed and provided by third parties (“Third-Party Providers”). In addition to this Agreement, your use of any Third-Party Model is governed by the applicable third-party terms and policies (“Third-Party Terms”). A current list of these Third-Party Models and their corresponding terms is maintained in the “Third-Party Models & Terms List” within the Acceptable Use Policy (AUP). You agree to comply with all applicable Third-Party Terms for the models you use.
If you object to any Third-Party Terms, your sole and exclusive remedy is to discontinue all use of the corresponding Third-Party Model.
10.1. The Platform may, for the purpose of detecting, preventing, and mitigating fraud, conduct cross-referencing activities across its network of participating entities, systems, and data sources. Such cross-referencing allows the Platform to identify potentially fraudulent activity, patterns, or users that may appear across more than one entity.
10.2. Notwithstanding the foregoing, the Platform shall not disclose or transfer identifiable, sensitive, or confidential information from one entity to another, except to the extent strictly necessary to confirm or assess fraudulent activity, or as required by applicable law or regulatory obligations. Data shared in the course of cross-referencing shall be anonymised, pseudonymised, aggregated, or otherwise protected to prevent disclosure of sensitive or proprietary information.
10.3. All cross-referencing activities shall be carried out in accordance with applicable data protection laws, including but not limited to the Nigeria Data Protection Act (NDPA), General Data Protection Regulation or other relevant international frameworks. The Platform shall implement appropriate technical and organizational safeguards to ensure compliance, including access controls, encryption, and audit logging.
10.4. The User acknowledges and agrees that:
10.4.1. Cross-referencing constitutes a permissible and necessary use of data for fraud detection and risk management;
10.4.2. The Platform’s use of cross-referenced data does not constitute unauthorised disclosure or change of ownership of such data; and
10.4.3. The User shall use any intelligence or alerts received from the Platform in accordance with applicable laws and the terms of this Agreement
See our Privacy Notice[7.1], which is incorporated into these Terms of Service by reference, for more information about how we will process your personal data.
You may notify us in writing at any time and from time to time of a change in any information provided to us at registration, including your address. We may be unable to respond if you contact us from an address, telephone number, or email account not registered with us.
13.1. Subject to the express permissions of these Terms, You and Archer agree to protect each other’s Confidential Information from unauthorised use, access or disclosure in the same manner as each protects its own Confidential Information, but with no less than reasonable care. Except as otherwise expressly permitted pursuant to these Terms, Archer, and their respective Affiliates may use the other Party’s Confidential Information solely to exercise their respective rights and perform their respective obligations under these Terms and may only disclose Confidential Information to their employees, agents and representatives, their respective Affiliates and their respective Affiliates’ employees, agents and representatives who need to know such information in order to perform their respective duties.
13.2. You agree that Archer, its Affiliates, and their respective employees, agents, and representatives shall have the right to access Your Account and to use, modify, transfer, reproduce, display, and disclose Data[8.1] to the extent necessary to provide the Services, including providing response[9.1] to Your support requests. Notwithstanding anything to the contrary in these Terms, You Agree that, to the extent necessary to provide the Services, Archer shall be authorised (i) to permit authorised subprocessors, third party service providers and their employees, agents and representatives (collectively, “Authorised Third Parties”) to use, modify, display, reproduce, distribute, and create derivatives of the Data and (ii) to disclose the Data (including Confidential Information) to Authorised Third Parties.
13.3. Archer will maintain commercially reasonable administrative, physical, and technical safeguards to protect the security, confidentiality and integrity of Your Data.
13.4. Archer may also disclose Confidential Information and information about your Account[10.1][10.2][10.3][10.4], Your Data in order to (a) comply with the applicable laws and regulations; (b) respond to lawful requests, legal process, orders from a court/other legal authority and/or subpoena; (c) protect Archer’s rights or property, including enforcement of these Terms or other policies associated with the Service; and/or (d) protect personal safety.
13.5. These confidentiality obligations shall survive termination of this Terms until the information becomes public knowledge.
Our Services or communications to you may contain third-party content or links to third-party sites, applications, or services (collectively, “Third Party Content”). Our Services may also include features that allow you to connect your Account with accounts or services provided by third parties, such as accounts you maintain with financial institutions or social media platforms (collectively, “Third Party Services”). We do not control, maintain, or endorse Third Party Content or Third Party Services, and we are not responsible for Third Party Content or Third Party Services, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Content or Third Party Services. Your interactions and business dealings with the Third Party Content or Third Party Services providers, including products or services offered by such third parties, are solely between you and the third party. You should review all of the relevant terms and conditions associated with Third Party Content or Third Party Services, including any privacy notices and terms of service. We are not responsible for any information you agree to share with third parties connected with Third Party Content or Third Party Services. Any links or advertisements on this Platform should not be taken as an endorsement by us.
15.1. We hereby grant to you a limited, non-exclusive, non-assignable, revocable, non-sublicensable licence to access and use the Platform and the Services, and any user guides or specifications subject to the content of these terms.
15.2. Under this licence, You shall not:
15.2.1. licence, sell, rent, lease, transfer, assign, distribute, display, disclose or otherwise commercially exploit, or otherwise make the Platform or any of the Services available to any third party;
15.2.2. input false, misleading, unlawful, sensitive or inappropriate information into any AI features available on the Platform, or use such AI features in a manner intended to deceive, manipulate, or generate harmful, discriminatory, or illegal outputs;
15.2.3. attempt to access, extract, copy, or otherwise misuse any data, model, algorithm, or output associated with the Platform’s AI systems; or
15.2.4. use any automated tools, scripts, or software to interfere with, train, test, or replicate the functionality of the Platform’s AI features.
15.2.5. sublicense, distribute, sell, or disclose Archer’s APIs or data;
15.2.6. rely solely on AI outputs without conducting reasonable human verification where appropriate.
15.2.7. use the Services in a malicious, unlawful, or abusive manner;
15.2.8. access data for purposes unrelated to fraud prevention, AML/CFT compliance, or legitimate business needs;
15.2.9. introduce Malicious Code into the Platform or any of the Software used in the provision of Services;
15.2.10. share API Keys or unauthorised access tokens;
15.2.11. access or use all or any part of the Platform or Services in order to build a product or service which competes with the Services or develop competing AI models or for the purposes of monitoring the Services’ availability, performance or functionality;
15.2.12. use the Platform or any of the Services to provide services to third parties (unless those third parties also have Archer Accounts and such use is in accordance with the intended and usual purpose of the Services), or permit the Platform or the Services or any part of them to be combined with, or incorporated into, any other service or programme;
15.2.13. attempt to copy, modify, duplicate, create derivative works of, frame, mirror, republish, download, display, transmit or distribute all or any portion of the software applications used by us as part of the Platform or any of the Services;
15.2.14. attempt to reverse compile, disassemble, reverse engineer or otherwise reduce to human-perceivable form all or any part of the software applications used by us as part of the Platform or any of the Services;
15.2.15. attempt to obtain, or assist third parties in obtaining, unauthorised access to the Platform or Services;
15.2.16. interfere with or disrupt the Platform or the Services, or use or access the Platform or the Services in a manner that unfavourably affects the performance or proper functioning of the Platform and the Services, or any computer systems or networks used by the Platform or the Services;
15.2.17. use any robot, spider or other automatic device or process to send or redirect messages, or monitor, download, copy or keep a database copy of any of the content transmitted to or made available through the Platform or the Services;
15.2.18. access, store, distribute or transmit any computer viruses, Trojan horses, worms, time bombs or any other harmful or deleterious software programs during the course of your use of the Platform or Services;
15.2.19. remove any copyright, trademark or other proprietary rights notices contained in or on the Platform or the Services (whether ours or our licensors’);
15.2.20. remove, cover or otherwise obscure any form of advertisement included on the Platform;
15.2.21. collect, harvest, use, copy, share or transfer any information, including but not limited to personal data, obtained from the Services (excluding your Data and unless the User of such information has expressly permitted the same); or
15.2.22. use the Platform or the Services or any aspect or feature thereof for any, illegal, unlawful or fraudulent purpose or in any way that might cause harm to us or any other person.
16.1. You will comply with all applicable laws and highest industry standards.
16.2. In addition to, and without limiting the provisions of this TOS, You will perform all obligations under this TOS and the Agreement in accordance with the highest applicable industry standards and in compliance with all applicable laws, rules and regulations.
17.1. Fees are set out in Archer’s applicable order form or invoice. Unless otherwise stated, fees exclude taxes and duties including but not limited to the applicable Value Added Tax (TAX), which remain the responsibility of the User.
17.2. Archer may correct pricing errors that may inadvertently occur (and to cancel any orders in our sole discretion that were purchased with pricing errors).
17.3. Archer may revise its fees upon 30 (thirty) days’ prior written notice. Continued use after the effective date of new fees constitutes acceptance of such changes.
17.4. You agree that (a) if you purchase a recurring subscription to any of the Services, we may store and continue billing your payment method (e.g. credit card) to avoid interruption of such Services
17.5. User shall pay all applicable taxes or provide valid exemption certificates. Both Parties shall cooperate in meeting tax compliance obligations.
17.6. Payment can be made by credit card, debit card, or other means that we may make available. Subscriptions will not be processed until payment has been received in full, and any holds on your account by any other payment processor are solely your responsibility.
17.7. You acknowledge and agree that all information you provide with regards to your invoice or order form, including, without limitation, credit card, PayPal, or other payment information, is accurate, current, and complete.
17.8. You represent and warrant that you have the legal right to use the payment method you provide to us or our payment processor, including, without limitation, any credit card you provide when completing a transaction. We reserve the right, with or without prior notice and in our sole and complete discretion, to:
(a) discontinue, modify, or limit the available quantity of any Offerings, and
(b) refuse to allow any user to purchase any Offering or deliver such Offerings to a user or a user designated address.
17.9. Subscription Renewals and Cancellations
You agree that if you purchase a subscription, your subscription will automatically renew at the subscription period frequency referenced on your subscription page (or if not designated, then monthly) and at the then-current rates, and your payment method will automatically be charged at the start of each new subscription period for the fees and taxes applicable to that period. To avoid future subscription charges, you must cancel your subscription before the subscription period renewal date through the settings page of your Account profile or by emailing [[11.1]….][12.1]
17.10. No Subscription Refunds
Except as expressly set forth in these Terms, payments for any subscriptions to the Services are nonrefundable, and there are no credits for partially used periods. Following any cancellation by you, however, you will continue to have access to the paid Services through the end of the subscription period for which payment has already been made.
17.11. Financial Remedy For Material Service Failure [13.1]
17.11.1. The Client, with an active paid subscription plan, shall be entitled to a financial remedy only in the event of a Material Service Failure.
17.11.2. The Client must provide written notice of the Material Service Failure, which shall trigger a mandatory cure period of at least 30 (thirty) days, during which Archer Protect shall commence remediation efforts in accordance with its internal documented process.
17.11.3. The financial remedies for a Material Service Failure shall be applied in the following order:
17.11.3.1. Service credits applied to future subscription fees; and
17.11.3.2. where service credits are not commercially practicable, a partial, pro-rata refund limited to the fees attributable to the affected period.
17.11.4. All service credits or refunds under this clause shall be capped at 10% of the annual subscription fees paid by the Client in the prior year. This clause constitutes the Client’s sole and exclusive financial remedy for any Material Service Failure.
17.11.5. No remedy provided under this clause shall constitute an admission of fault, warranty, or performance guarantee, and all other liability limitations and disclaimers in this Agreement shall remain in full force.
18.1. All rights, title, and interest in and to the Archer Platform, including but not limited to software, source code, algorithms, AI models databases, design, graphics, user interfaces, trade names, trademarks, service marks, logos, content, documentation, and all related intellectual property (“Platform Content”), are and shall remain the exclusive property of Archer and its licensors.
18.2. No transfer of ownership or proprietary rights is conferred to Users by virtue of accessing or using the Platform.
18.3. You are granted only a limited, non-exclusive, non-transferable, revocable right to use the Services as expressly permitted herein.
18.4. You shall not alter, remove, or obscure any copyright, trademark, or proprietary notices within the Services or the Platform.
19.1. User authorises Archer to display its corporate name and logo in marketing or promotional materials, provided that such use is accurate and respectful.
19.2. You may withdraw this permission upon the provision of written notice to Archer.
20.1. Archer will make reasonable efforts to make the Platform available 24 hours a day, 7 days a week. Notwithstanding this, you hereby acknowledge that your use of the Platform and the Services may be interrupted from time to time, for example, when we perform maintenance services or as a result of delays or delivery failures resulting from the use of communications networks and facilities.
20.2. Access to the Platform and use of the Services including the AI-powered Services is provided on an “as is” basis, which means that we do not warrant that the Platform or Services will be error-free at all times, and we shall not be liable to you for failure of the same. While the Platform is designed to detect and prevent fraud, no AI system can guarantee complete accuracy or prevention of all fraudulent activity.
20.3. Archer disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
20.4. Any service levels, availability commitments, or performance obligations under this Terms of Service shall not apply to outages, interruptions, or service degradation caused by events beyond Archer Protect’s reasonable control, including but not limited to:
20.4.1. failures or interruptions of third-party infrastructure providers or internet service providers;
20.4.2. cloud platform or hosting provider outages, including failures of Amazon Web Services (AWS) or its underlying services;
20.4.3. acts of God, natural disasters, governmental actions, labour disputes, cyber-attacks, or other force majeure events.
20.5. Archer Protect shall use reasonable efforts to restore the Services as soon as practicable following any such event.
20.6. Optional Complementary Access
20.6.1. Archer Protect may, at its discretion, grant the Customer access to the Platform under a complimentary access tier (the “Complimentary Access”) for evaluation and internal testing purposes only. Participation is optional and at the sole discretion of Archer Protect and shall be for a maximum period of 364 (three hundred and sixty-four) days, unless earlier terminated by Archer Protect or converted into a paid subscription.
20.6.2. Complimentary Access may be offered in multiple tiers, each subject to transaction volume thresholds, feature limitations, and usage caps.
20.6.3. During the Complimentary Access period, Archer Protect may, at its sole discretion, elect to waive any subscription fees or may request payment of a subsidized fee. Upon expiration or termination of Complimentary Access, continued access to the Platform shall require a valid paid subscription and shall be subject to Archer Protect’s then-current pricing and payment terms.
20.6.4. The applicable tiers, thresholds, and parameters shall be determined by Archer Protect from time to time and communicated to the Customer through separate documentation, onboarding materials, or an applicable order form.Exceeding any applicable threshold shall entitle Archer Protect, in its discretion, to suspend access, require migration to a paid plan, or impose usage-based fees.
20.6.5. The Platform and Services provided under Complimentary Access are made available on a complimentary, “as is” and “as available” basis, and may include experimental or pre-release features that are subject to modification, limitation, suspension, or withdrawal at any time.
20.6.6. Archer Protect may modify, suspend, or withdraw Complimentary Access, or transition the Customer to a paid subscription, at any time upon written notice. Upon expiration or termination of the Complimentary Access period, continued use of the Platform shall be subject to a mutually agreed commercial arrangement.
20.6.7. Nothing in this Terms of Service obligates Archer Protect to continue providing the Platform or Services under Complimentary Access beyond the stated period.
21.1. Your use of the Services is at your sole discretion.
21.2. We make no representations or warranties whatsoever in respect of the Services. Information may be provided by third parties, including other users of our Services. We cannot accept any liability whatsoever in respect of any such content which is provided by third parties and/or any other users of the Platform or the services.
21.3. Any actions you take based on content, notifications, and otherwise provided on the Platform are taken at your sole risk. you should always check any information provided through the Platform to ensure its accuracy.
21.4. To the extent permitted by law, we will not bear any liability for any direct, indirect, or consequential loss, harm, or damage whatever arising out of or associated with the use of the Services provided by independent third parties on or via the Platform.
21.5. Due to the nature of generative artificial intelligence, Archer Protect does not warrant that the Output will be unique, error-free, or non-infringing of third-party rights. You are solely responsible for reviewing and validating the Output before any commercial reliance or public distribution.
22.1. We shall not be liable to any User for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
22.1.1. use of, or inability to use, our Platform or any AI-powered feature; or
22.1.2. use of or reliance on any content displayed on our Platform.
22.1.3. use of or reliance on any predictions, risk scores, alerts, or other outputs generated by the Platform’s artificial intelligence or machine learning systems.
22.2. Without limiting the foregoing, Archer shall not be liable for:
22.2.1. loss of profits, sales, business, or revenue;
22.2.2. business interruption;
22.2.3. loss of anticipated savings;
22.2.4. loss of business opportunity, goodwill or reputation; or
22.2.5. any indirect, special or consequential loss or damage.
22.2.6. any delay, error or omission regarding the contents of the Platform;
22.2.7. any delay, error, inaccuracy, or omission in AI-generated content or insights.
22.2.8. any information provided being corrupted, wrong or inaccurate; or
22.2.9. the acts or omissions of you or any third parties, including, but not limited to, the act or omissions of third parties in making the Platform and providing information to be used on the Platform.
22.2.10. the User’s failure to apply appropriate human review in interpreting AI outputs.
22.2.11. the User’s non-compliance with applicable laws.
22.3. We assume no responsibility for the content of websites linked to our Platform. Such links should not be interpreted as endorsements by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
22.4. Users acknowledge that the Platform and Services rely on algorithmic models and external datasets which may evolve, and that AI-generated outputs are probabilistic, not deterministic. Archer does not guarantee that any output, classification, prediction, or risk score is accurate, complete, or suitable for any specific decision or compliance obligation.
22.5. To the fullest extent permitted by law, Archer’s aggregate liability under this Agreement shall not exceed the greater of ($100.00) one hundred dollars or the total fees paid by the User to Archer in the 12 (twelve) months preceding the event giving rise to the claim.
22.6. Archer shall not be liable for indirect, consequential, or punitive damages, including loss of profit, data, or goodwill.
22.7. These limitations shall not apply in cases of fraud, gross negligence, willful misconduct, or breach of payment obligations or intellectual property or data protection or confidentiality.
By User/Customer
23.1. Except as otherwise set forth in these Terms of Service, you agree to release, indemnify, defend, and hold Archer harmless from and against any claims, liabilities, actions, proceedings, damages, losses, and expenses, (including without limitation attorneys’ fees and costs), or losses of any kind arising out of:
23.1.1. any breach of the Terms of Service by you;
23.1.2. your use or misuse of the Platform or AI-generated outputs;
23.1.3. your violation of the rights of a third party, including but not limited to intellectual property rights;
23.1.4. any breach of applicable laws.
23.1.5. your content
23.2. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.
23.3. This provision shall survive the termination of these Terms of Service.
By Archer Protect
23.4. Archer Protect will, at its expense, defend Customer, its affiliates, and their respective directors, officers, and employees (the “Customer Indemnitees”) against any third-party claim, suit, or proceeding (“Claim”) to the extent it alleges that the Services, API Platform, or Outputs, as delivered by Archer Protect and used in accordance with this Agreement and the Documentation, infringe or misappropriate that third party’s intellectual property rights. Archer Protect will indemnify the Customer Indemnitees against any resulting damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) finally awarded by a court of competent jurisdiction or included in a settlement approved by Archer Protect in writing.
23.5. Archer Protect will have no obligation or liability under this Section for any Claim to the extent it arises from:
a. the combination, operation, or use of the Services or Outputs with any product, service, data, hardware, or software not supplied by Archer Protect (including any Customer Application), if the infringement would not have occurred but for such combination;
b. the modification or customization of the Services or Outputs by any party other than Archer Protect or without Archer Protect’s express authorization;
c. Customer’s failure to use updated or non-infringing versions of the Services or Outputs made available by Archer Protect;
d. Customer’s use of the Services or Outputs in a manner not expressly authorized by this Agreement or the Documentation;
e. the nature, content, or scope of rights in Customer’s Inputs; or
f. Customer’s gross negligence, willful misconduct, or material breach of this Agreement.
23.6. If the use of the Services is, or in Archer Protect’s opinion is likely to be, enjoined due to the type of Claim described above, Archer Protect may, at its sole option and expense: (i) procure for Customer the right to continue using the Services; (ii) replace or modify the Services to make them non-infringing without material impairment of their principal functions; or (iii) if options (i) and (ii) are not commercially practicable in Archer Protect’s reasonable judgment, terminate this Agreement and refund to Customer a pro-rata portion of any prepaid fees for the affected Services.
23.7. This Section sets forth Archer Protect’s entire liability and Customer’s sole and exclusive remedy for any third-party claims of intellectual property infringement. Archer Protect’s indemnification obligations are contingent upon: (i) Customer providing Archer Protect with prompt written notice of the Claim; (ii) Archer Protect having sole control of the defence and all related settlement negotiations; and (iii) Customer providing reasonable cooperation and assistance to Archer Protect in the defence of the Claim, at Archer Protect’s expense. The Customer may participate in the defence with its own counsel at its own expense.
24.1. We reserves the right in addition to its other rights under these Terms or at law, to terminate the license granted under these Terms of Services in the event:
24.1.1. You breach any provision of these Terms;
24.1.2. The Company is required to do so under law;
24.1.3. Liquidation;
24.1.4. The Company chooses to discontinue the Service being offered or discontinue operating the Platform;
24.1.5. The licence granted to use the Platform expires;
24.1.6. Of non-payment of outstanding Fees
24.1.7. Is unlawful or unethical;
24.1.8. Violates the Acceptable Use or the technical or security requirements of the API Documentation;
24.1.9. Interferes with the operation or integrity of the Services;
24.1.10. Is competitive with Arch’s business; or
24.1.11. Is likely to damage Arch’s reputation or bring Arch into dispute.
Additionally, Archer Protect may suspend, disable, or delete your Account and/or the Services (or any part of the foregoing) with or without notice, for any or no reason. If Archer Protect deletes your Account for any suspected breach of these Terms by you, you are prohibited from re-registering for the Services under a different name. In the event of Account deletion for any reason, Archer Protect may, but is not obligated to, delete any of Your Content. Archer Protect shall not be responsible for the failure to delete or deletion of Your Content. All sections which by their nature should survive the termination of these Terms shall continue in full force and effect subsequent to and notwithstanding any termination of these Terms by Archer Protect or you. Termination will not limit any of Archer Protect’s other rights or remedies at law or in equity.
24.2. Upon termination:
24.2.1. All rights and licenses granted shall cease;
24.2.2. You must cease using the Platform and the Service.
24.2.3. You must immediately discontinue all access to and use of the Platform and Services;
24.2.4. Any outstanding Fees or obligations owed by you to Archer shall become immediately due and payable; and
24.2.5. Archer may, subject to applicable law, delete, restrict, or anonymise any data associated with your Account.
24.2.6. Any provisions of these Terms of Service which by their nature should survive termination including but not related to Intellectual Property, Confidentiality, Data Protection, Limitation of Liability, and Indemnification shall survive termination of the Terms.
25.1. This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to conflict of laws principles.
25.2. In any dispute, claim, question, or disagreement arising from or relating to this Terms or the breach thereof, the Parties hereto shall use their best efforts to settle the dispute, claim, question, or disagreement. To this effect, they shall consult and negotiate in good faith, recognise their mutual interests, and attempt to reach a just and equitable solution satisfactory to the Parties.
25.3. Where the Parties are unable to resolve the dispute within 14 days through negotiation, then, upon notice by any Party to the other Party, any disputes, claims, questions, or differences may be referred in the first instance to arbitration conducted by their representatives or financial representatives, where financial matters are involved.[15.1][15.2]
25.4. This clause shall not preclude any party from obtaining interim relief from a court of competent jurisdiction.
25.5. The Parties irrevocably agree that the state and federal courts of the State of Delaware shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with this TOS or the Agreement.
25.6. Notwithstanding the foregoing, Archer reserves the right, at its sole discretion, to initiate legal proceedings against the User in the courts of the User’s primary place of business or in any other jurisdiction where the User possesses assets
25.7. Where applicable, Archer may also comply with mandatory local data protection or regulatory requirements in the User’s jurisdiction.
26.1. When you submit any ideas, suggestions, documents and/or proposals relating to the Services or services to Archer through the “Contact Us”, the Support interfaces, or through any other channel or mechanism (collectively “Contributions”), you acknowledge and agree that:
26.1.1. Archer shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way;
26.1.2. To the extent there are any intellectual property rights subsisting in your Contributions, that hereby grant us a worldwide, perpetual, non-exclusive, transferable and irrevocable licence (with a right to sub-licence) under such rights to use and exploit the Contributions without limitation or restriction; and
26.1.3. You are not entitled to any compensation or reimbursement of any kind from Archer under any circumstances.
No one other than a party to these Terms of Service, their successors, and permitted assigns shall have any right to enforce any of its terms.
Archer may give notice by means of a general notice on the Services, electronic mail to your email address in your Account, telephone or text message to any phone number provided in connection with your Account, or written communication sent by first-class mail or pre-paid post to any address connected with your Account.
Such notice shall be deemed to have been given upon the expiration of 48 (forty-eight) hours after mailing or posting (if sent by first class mail or pre-paid post) or 12 (twelve) hours after sending (if sent by email or telephone). You may give notice to Us, with such notice deemed given when received by Archer, at any time by first class mail or pre-paid post to our registered office address for service of process or email for general communication.
You may not assign, transfer, sub-license, or deal in any other manner with any or all of your rights or obligations under these Terms of Service without our prior written consent. We reserve the right to transfer, assign, sub-contract or deal in any other manner with any or all of our rights or obligations under these Terms of Service without notifying you or receiving your consent.
When circumstances beyond your or our control arise, we will both be temporarily relieved from performing our obligations under this TOS.
You and Archer will not be responsible for any delay or failure to perform any obligation under this TOS for a reasonable period due to labour disturbances, accidents, fires, floods, pandemics, telecommunications or Internet failures, strikes, wars, riots, rebellions, terrorism, blockades, acts of government, governmental requirements and regulations, restrictions imposed by law, or any other similar event beyond the parties’ reasonable control.
Certain portions of the Services may allow us to contact you via telephone or text messages. You agree that Archer may contact you via telephone or text messages (including by an automatic telephone dialling system) at any of the phone numbers provided by you or on your behalf in connection with your use of the Services, including for marketing purposes. You understand that you are not required to provide this consent as a condition of purchasing the Services. You also understand that you may opt out of receiving text messages from us at any time. If you do not choose to opt out, we may contact you as outlined in our Privacy Policy.
The relationship of the parties hereto is that of independent contractors. The parties hereto are not deemed to be agents, partners or joint venturers of the others for any purpose as a result of this Agreement or the transactions contemplated thereby.
Our failure to act with respect to a breach of these Terms of Service will not constitute a waiver and does not waive our right to act with respect to subsequent or similar breaches. If any of these Terms shall be deemed invalid, void, or unenforceable under applicable law, then that term shall be deemed severable and shall not affect the validity and enforceability of any remaining term or provision of these Terms.
The User agrees to use commercially reasonable efforts to give Archer feedback about the Services. The User also agrees that Archer owns all comments, suggestions, and other feedback (collectively, “Feedback“) about the Services the User gives to Archer. The User shall and hereby irrevocably transfer and assign to Archer all rights, titles, and interests it may have in such feedback, which Archer hereby accepts.
If you have any complaints or reservations about us or any of the Services we provide, you may contact us.