Terms of Service

These Terms of Service (the “Terms”) are a legal agreement between you and Zent AI Labs Ltd of Lagos, Nigeria(“SentiNEX”, “we”, “us”). They govern your access to and use of the SentiNEX website and platform (the “Service”).

By creating an account, accepting an invitation, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

If you are using the Service on behalf of an organisation, you confirm you have authority to bind that organisation, and “you” means that organisation. Where your organisation has signed a separate written agreement with us, that agreement prevails over these Terms to the extent of any conflict.

SentiNEX collects publicly published content about financial institutions, analyses it using statistical and AI methods, and presents reputation, sentiment, compliance and fraud intelligence to institutions and their regulators. Features vary by subscription plan and by the role assigned to you.

This section is important, so we have kept it blunt rather than burying it in section 12.

• Sentiment scores, risk indicators, fraud signals, themes and recommendations are algorithmic estimates produced partly by AI, and they can be wrong, incomplete, or out of date.
• They are not financial, investment, legal or compliance advice, not a regulatory finding, and not a determination about any institution or individual.
• Monitored content originates from third parties. We do not author it and we do not warrant that it is accurate, complete or lawful. Its presence in the Service is not an endorsement of it.
• You are responsible for decisions you take. Any supervisory, enforcement, commercial or reputational action must rest on your own verification and judgement — including independent corroboration before acting adversely to any institution or person.

• Accounts are created by us or by an administrator at your organisation. You may not create an account for anyone else or use another person's credentials.
• You must provide accurate information and keep it current.
• You are responsible for keeping your password confidential and for activity under your account.
• You must tell us promptly at the address below if you suspect unauthorised access.
• For security we bind each session to the browser that signed in, and sessions expire after 24 hours. Administrators may revoke sessions at any time.
• Your organisation's administrators control who has access and what role they hold, and may add, change or remove access — including yours.

Plans and seats

Access depends on your organisation’s plan and its seat allowance. Each user with access consumes a seat, whether their access is organisation-wide or limited to specific entities. Adding users beyond the allowance requires an upgrade.

Trials

We may offer a time-limited trial. Unless you tell us otherwise before it ends, the account moves to the plan selected at sign-up when the trial expires. Trials are offered at our discretion and we may decline or withdraw one, including where a trial has already been used for the same organisation or email domain.

Fees

• Fees are those in your order or on our pricing page, and are stated exclusive of taxes unless said otherwise. You are responsible for applicable taxes.
• Payments are processed by Paystack. By subscribing you also accept Paystack's terms for the payment itself.
• Subscriptions renew automatically for successive periods unless cancelled before the renewal date.
• Except where the law requires otherwise, fees are non-refundable and we do not refund partial periods.
• If payment fails we may suspend or downgrade access after giving you notice.
• We may change fees on 30 days’ notice, effective from your next renewal. If you do not accept a change, you may cancel before it takes effect.

You must not:

• Break any applicable law, or infringe anyone's rights, in your use of the Service.
• Try to access data belonging to another institution, regulator or user, or otherwise circumvent access controls, roles or entity scoping.
• Probe, scan or test the security of the Service except under a written authorisation from us, or interfere with its normal operation.
• Scrape, crawl, resell, sublicense or redistribute the Service or its outputs, or use them to build a competing product, except as your plan expressly allows.
• Reverse engineer or attempt to derive source code, except to the extent that right cannot lawfully be excluded.
• Upload malware, or content that is unlawful, defamatory, or infringing.
• Use the Service to harass, intimidate or unlawfully surveil any individual, or to make automated decisions with legal effect about an individual without human review.
• Share your credentials, or exceed your seat allowance by allowing multiple people to use one account.

We may investigate suspected breaches and suspend access where we reasonably believe there is a risk to the Service, to other customers, or to us.

You keep all rights in the content and data you submit (“Your Content”). You grant us a non-exclusive licence to host, process and display Your Content only as needed to operate and support the Service.

You confirm you have the rights and lawful basis needed for us to process Your Content, including any personal data in it. Where we process personal data on your behalf we do so as a processor on your instructions. A Data Processing Agreement is available on request from admin@sentinex.co, and where executed it governs that processing.

We may use aggregated, de-identified data that cannot reasonably identify you or your organisation to operate, benchmark and improve the Service.

The Service — including its software, design, models, methodologies and the SentiNEX name and marks — belongs to us or our licensors. These Terms grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription, and nothing more. All rights not expressly granted are reserved.

Subject to section 6, you may use outputs of the Service for your own internal business, supervisory and compliance purposes.

Each party may receive information the other treats as confidential. The recipient will use it only for the Service, protect it with at least reasonable care, and not disclose it except to those who need it and are under similar obligations, or where disclosure is legally required. This does not apply to information that is public through no fault of the recipient, already known to it, or independently developed.

We work to keep the Service available and reliable, but we do not promise uninterrupted service. We may carry out maintenance, and may change, add or remove features over time; we will not make a change that materially reduces core functionality during a paid period without notice.

We do not commit to a specific uptime percentage or support response time by default. Committed service levels apply only where set out in a written service level agreement signed with your organisation.

The Service depends on third parties, including AI providers, content-retrieval providers, payment and email providers, and hosting infrastructure. Their acts, omissions or outages may affect the Service, and we are not responsible for third-party services themselves. Section 7 of our Privacy Policy lists who they are and what they do.

To the fullest extent permitted by law, the Service is provided “as is” and “as available”, and we disclaim all warranties not expressly stated in these Terms, whether express or implied, including merchantability, fitness for a particular purpose and non-infringement.

In particular, and without limiting section 3, we do not warrant that the Service will be error-free or uninterrupted, that its analysis or outputs will be accurate or complete, or that it will detect any particular reputational event, fraud scheme or compliance breach.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

To the fullest extent permitted by law, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, goodwill, data, or anticipated savings, however caused.

Our total aggregate liability arising out of or relating to the Service is limited to the total fees paid by your organisation in the 12 months immediately before the event giving rise to the claim.

These limits do not apply to liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited.

You will indemnify us against third-party claims, and reasonable costs and legal fees, arising from your breach of these Terms, your misuse of the Service, or your infringement of a third party’s rights — provided we notify you promptly, let you control the defence of the claim, and cooperate reasonably.

• You may stop using the Service at any time, and cancel a subscription effective at the end of the current period.
• We may suspend or terminate access if you materially breach these Terms and do not fix it within 14 days of notice, immediately where the breach is incapable of remedy or poses a security or legal risk, or if fees remain unpaid after notice.
• We may terminate for convenience by giving notice and refunding any prepaid fees for the unused remainder of the period.
• After termination we will delete or return your data in line with the retention periods in our Privacy Policy. Ask us before termination if you need an export.
• Sections that by their nature should survive termination — including 7, 8, 9, 12, 13, 14 and 17 — continue to apply.

We may update these Terms. We will revise the effective date above and, where a change materially affects your rights or obligations, give notice by email or in the platform before it takes effect. Continuing to use the Service after a change takes effect means you accept the updated Terms. If you do not accept them, stop using the Service and cancel.

These Terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Lagos State have exclusive jurisdiction, except that either party may seek injunctive relief wherever needed to protect its rights.

Before starting proceedings, please contact us so we can try to resolve the matter informally.

• These Terms, with any order and our Privacy Policy, are the entire agreement between us on this subject.
• If a provision is unenforceable, the rest stays in force.
• Failing to enforce a right is not a waiver of it.
• You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets.
• Neither party is liable for delay or failure caused by events beyond its reasonable control.
• Nothing here creates a partnership, agency or employment relationship.
• Notices to you may be sent to your account email. Notices to us go to the address below.

Questions about these Terms: admin@sentinex.co. Zent AI Labs Ltd, Lagos, Nigeria.