Terms & Conditions

1About FraudSentinel360

FraudSentinel360 is an end-to-end fraud risk management and regulatory reporting platform developed, owned and operated by Digital Business Technology Private Limited (DBTPL), also referred to as DB Tech. FraudSentinel360 is designed to support organisations in managing the complete fraud lifecycle, including fraud prevention, early detection, investigation, case management, regulatory reporting, analytics, governance and fraud awareness.

The platform is intended primarily for Banks, NBFCs, Insurance Companies, FinTechs and other organisations requiring structured fraud risk management and governance capabilities.

These Terms & Conditions apply to your access to and use of the FraudSentinel360 website, platform, software, applications, services, content and related offerings provided by DBTPL. Your access to or use of FraudSentinel360 in any manner signifies your agreement to be bound by these Terms of Use and our Privacy Policy. These Terms constitute a binding legal agreement between you, the organisation you represent where applicable, and DBTPL.

2License and Provision

In connection with the activation or subscription of FraudSentinel360, an account may be created for your organisation and authorised users. You undertake to provide accurate, current and complete information as requested during account registration, onboarding, implementation or use of the platform. You acknowledge that incomplete, inaccurate or outdated information may affect DBTPL's ability to provide FraudSentinel360 and its associated services.

You are solely responsible for ensuring that your account credentials, authentication information and other confidential access information are maintained securely and are made available only to authorised users. You are responsible for all activities performed through your organisation's authorised accounts and access credentials, subject to applicable law. You must notify DBTPL without undue delay if you become aware of or reasonably suspect any unauthorised access, use of your account, compromise of credentials, or other security incident relating to FraudSentinel360.

Subject to the applicable commercial agreement, payment of applicable fees and compliance with these Terms and Conditions, DBTPL grants you a limited, non-exclusive, non-transferable and revocable right to access and use FraudSentinel360 during the applicable subscription or agreement period.

FraudSentinel360 provides functionality supporting fraud prevention, early warning and detection, investigation and case management, regulatory reporting, analytics, governance and fraud awareness. The exact features, modules, integrations and services available to you may depend on your subscription, implementation scope, configuration and applicable agreement.

FraudSentinel360 may be unavailable from time to time due to scheduled maintenance, upgrades, security measures, infrastructure requirements, technical issues, third-party dependencies, force majeure events or circumstances beyond DBTPL's reasonable control. Where reasonably practicable, DBTPL may provide advance notice of planned maintenance that is expected to materially affect platform availability.

3Acceptable Use

You undertake to follow all applicable guidelines, instructions and policies relating to the use of FraudSentinel360. You must not use FraudSentinel360 in any manner that:

• Violates any applicable law, regulation or regulatory requirement;
• Infringes the intellectual property, privacy or other rights of any third party;
• Attempts to gain unauthorised access to the platform, systems, accounts or data;
• Introduces viruses, malware, malicious code or other harmful components;
• Attempts to interfere with, disrupt, overload or damage FraudSentinel360;
• Circumvents or attempts to circumvent security, authentication or access-control mechanisms;
• Uses the platform for any unlawful, fraudulent or malicious purpose;
• Attempts to reverse engineer, decompile, disassemble or otherwise derive the source code of the platform, except where expressly permitted by applicable law;
• Copies, reproduces, modifies, distributes, sublicenses, resells or commercially exploits the platform or its components without DBTPL's prior written consent; or
• Permits access to FraudSentinel360 by persons who are not authorised under the applicable subscription or agreement.

You are responsible for ensuring that all users authorised by your organisation comply with these Terms and Conditions.

4Payment

Applicable subscription, implementation, licensing, support, integration or other service fees shall be as agreed between you and DBTPL and specified in the applicable proposal, order form, invoice, subscription agreement or other commercial agreement. Unless otherwise agreed in writing, applicable fees must be paid within the payment period specified in the relevant invoice or commercial agreement.

In the event of delayed payment, DBTPL may exercise its rights under the applicable agreement and applicable law, including suspension of access to FraudSentinel360 where permitted.

DBTPL reserves the right to revise its fees, subscription plans or service offerings. Where such changes materially affect an existing contractual arrangement, the applicable commercial agreement shall govern the notice and termination rights available to the customer. Taxes, duties, levies or other governmental charges applicable to the services shall be borne by the customer to the extent required by applicable law and the applicable commercial agreement.

5Privacy

Any personal information or other data collected through the FraudSentinel360 website or platform is subject to the applicable Privacy Policy and, where relevant, contractual data-processing terms. Please review our Privacy Policy to understand how DBTPL collects, uses, processes, stores and protects personal information.

FraudSentinel360's published Privacy Policy states that the website is owned by Digital Business Technology Private Limited and that DBTPL acts as a data controller for personal data collected through the website. Where FraudSentinel360 is used by an organisation to process information relating to its employees, customers, vendors, investigations, fraud cases or other individuals, the respective roles and responsibilities of DBTPL and the customer regarding such data shall be governed by the applicable agreement and applicable data-protection laws.

You remain responsible for ensuring that information submitted to FraudSentinel360 is collected, processed and used in accordance with applicable laws, internal policies and regulatory requirements.

6Ownership

All content and materials included in or made available through FraudSentinel360, including but not limited to text, graphics, logos, designs, photographs, images, audio/video materials, documentation, software, interfaces, workflows, databases, reports, templates and other digital materials, are owned by or licensed to DBTPL and are protected by applicable Indian and international intellectual property laws.

FraudSentinel360, including its software, technology, platform architecture, workflows, features, designs, documentation and associated intellectual property, remains the exclusive property of DBTPL or its respective licensors. Nothing in these Terms grants you ownership of FraudSentinel360 or any intellectual property associated with it. Subject to these Terms and the applicable commercial agreement, you are granted only the limited right to access and use FraudSentinel360 for your organisation's authorised business purposes.

7Limitations on Use

You acknowledge that FraudSentinel360 and its contents are proprietary technology and may be used only for authorised organisational and business purposes. You are not permitted to copy, reproduce, modify, distribute, transmit, publish, upload, sell, sublicense, lease, license, reverse engineer or otherwise commercially exploit FraudSentinel360 or any portion of its software, content or proprietary materials without the express written consent of DBTPL.

Unauthorised use of FraudSentinel360 or its contents may constitute infringement of DBTPL's intellectual property and other proprietary rights and may subject the responsible party to civil or criminal liability under applicable law. You may not remove, obscure or alter copyright, trademark, proprietary or other ownership notices contained in or associated with FraudSentinel360.

8Warranties and Liabilities

FraudSentinel360 is provided as a technology platform intended to support fraud risk management, detection, investigation, governance and regulatory reporting processes. DBTPL does not warrant that FraudSentinel360 will identify, prevent, detect or eliminate every instance of fraud, financial crime, operational risk, regulatory breach or other loss.

FraudSentinel360's outputs, alerts, risk indicators, analytics, recommendations, reports and other information are intended to support organisational decision-making and established fraud risk management processes. They should not be treated as a substitute for professional judgement, investigation, legal advice, regulatory interpretation, internal controls or management decisions.

DBTPL shall not be responsible for:

• Data, content or information uploaded, entered, integrated or otherwise provided to FraudSentinel360 by customers, authorised users or third parties;
• Errors resulting from inaccurate, incomplete or outdated information supplied by the customer or its users;
• Decisions made by the customer or its authorised users based on information, alerts, reports, analytics or recommendations generated by FraudSentinel360;
• Failures caused by systems, networks, software, services or infrastructure outside DBTPL's reasonable control;
• Indirect, incidental, special, consequential or exemplary damages, including loss of profits, revenue, business opportunities, goodwill or anticipated savings, to the extent permitted by applicable law; or
• Any loss arising from unauthorised use of customer credentials where the customer failed to maintain appropriate security controls.

To the maximum extent permitted by applicable law, DBTPL's aggregate liability arising from or relating to FraudSentinel360 shall be limited to the amount of fees actually paid by the customer for FraudSentinel360 during the period specified in the applicable commercial agreement or, where no such period is specified, the twelve months immediately preceding the event giving rise to the claim. Nothing in these Terms shall exclude or limit liability that cannot lawfully be excluded or limited under applicable law.

9Confidentiality and Customer Information

Each Party undertakes to protect confidential information received from the other Party and not to disclose such information to third parties without the other Party's prior written consent, except where disclosure is required for the performance of its obligations, permitted under the applicable agreement, or required by law. Confidential information includes information that is identified as confidential or that, by its nature or circumstances of disclosure, should reasonably be understood to be confidential.

The obligation of confidentiality does not apply to information that:

• Is or becomes publicly available through no breach of these Terms;
• Was lawfully known to the receiving Party before disclosure;
• Is independently developed without use of the confidential information; or
• Must be disclosed pursuant to applicable law, regulation, court order or governmental authority.

Each Party shall take reasonable measures to prevent unauthorised access, disclosure or use of confidential information. Neither Party shall issue a press release or public statement specifically relating to the other Party's confidential business information without the other Party's prior written consent, unless required by law. Neither Party may use the other Party's name, trademark or logo in public marketing materials without the other Party's prior written consent, except where otherwise expressly agreed in writing.

10Agreement Period and Early Termination

The applicable subscription or service period shall commence on the date specified in the relevant order form, proposal, subscription agreement, invoice or other applicable commercial agreement. Renewal, extension and termination provisions shall be governed by the applicable commercial agreement.

Either Party may terminate the applicable agreement in accordance with its contractual terms. Either Party may have the right to terminate the agreement immediately or following an applicable cure period where:

• The other Party commits a material breach and fails to remedy such breach within the period specified in the applicable agreement after receiving written notice;
• The other Party becomes insolvent, enters liquidation, bankruptcy, corporate restructuring or similar proceedings, subject to applicable law; or
• Continued performance becomes unlawful or is prohibited by a competent regulatory or governmental authority.

Upon termination or expiry of the applicable agreement, the customer's right to access and use FraudSentinel360 shall cease, subject to any transition, data-retention or other obligations expressly provided in the applicable agreement. Termination shall not affect provisions that by their nature are intended to survive termination, including intellectual property, confidentiality, liability and limitation of liability, applicable law and dispute-resolution provisions.

11Customer Responsibilities

The customer is responsible for:

• Ensuring that only authorised users access FraudSentinel360;
• Maintaining the confidentiality and security of account credentials;
• Providing accurate and complete information required for implementation and use;
• Ensuring that customer data submitted to the platform is lawfully collected and processed;
• Maintaining appropriate internal fraud-risk, compliance, investigation and governance procedures;
• Reviewing and validating system-generated alerts, reports, analytics and recommendations before taking material action;
• Ensuring that regulatory submissions and decisions are reviewed and approved by appropriately authorised personnel; and
• Complying with applicable laws, regulations, regulatory directions and internal policies.

12Miscellaneous

• The Parties are independent businesses acting on their own behalf and at their own risk.
• Unless expressly agreed in writing, neither Party has authority to bind the other Party or enter into agreements on behalf of the other Party.
• Any amendments or additions to the applicable agreement or these Terms shall be made in writing where required by the applicable agreement.
• You may not transfer or assign your rights or obligations under these Terms or the applicable agreement without DBTPL's prior written consent, except where otherwise permitted by the applicable agreement or applicable law.
• If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
• Failure by either Party to enforce any provision of these Terms shall not constitute a waiver of that provision.
• Upon termination or expiry, provisions relating to intellectual property, confidentiality, liability and limitation of liability, applicable law and dispute resolution shall continue to apply to the extent legally permissible.

13Applicable Law and Dispute Resolution

These Terms and the relationship between you and DBTPL shall be governed by and construed in accordance with the laws of India, without regard to conflict-of-law principles.

Any dispute, difference or claim arising out of or in connection with FraudSentinel360, these Terms, the applicable agreement, transactions entered into through FraudSentinel360, or the relationship between you and DBTPL shall be addressed in accordance with the dispute-resolution mechanism specified in the applicable commercial agreement.

Unless otherwise agreed in writing or required by applicable law, the courts having competent jurisdiction in Mumbai, Maharashtra, India shall have jurisdiction over disputes arising in connection with these Terms.

14Modifications

DBTPL reserves the right to modify, update or amend these Terms of Use from time to time. Updated Terms may be published on the FraudSentinel360 website and may become effective from the date specified in the updated Terms. Where a modification materially affects an existing contractual relationship, the applicable commercial agreement and applicable law shall determine the notice and termination rights available to the customer.

Your continued use of FraudSentinel360 after the effective date of updated Terms constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

15Customer Support

If you have any questions, concerns or requests relating to FraudSentinel360 or these Terms and Conditions, please contact us at:

FraudSentinel360 is a product of Digital Business Technology Pvt. Ltd. and provides technology for fraud risk management, fraud case management, regulatory reporting and fraud governance for BFSI and other organisations.