Terms & Conditions

Important information about how this website operates and how your information is handled.

Website Terms

If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use which, together with our Privacy Policy and Cookie Policy govern IYE Global’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

The terms in this page were last updated on 12th March, 2026.

The use of this website is subject to the following terms of use

The term ‘IYE Global’ or ‘IYE’ or ‘IYE Fraud Shield’ or ‘us’ or ‘we’ refers to the owner of this website. The term ‘you’ refers to the user or viewer of our website.

The content of the pages of this website is for your general information and use only. It is subject to change without notice.
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
This website contains material which is owned by or licensed to us. This material includes, but is not limited to the design, layout, look, appearance, graphics and written information. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
Some images in this website have been sourced from Royal Free image websites.
All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.
From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
Your use of this website and any dispute arising out of such use of the website is subject to the laws of England, Northern Ireland, Scotland and Wales.

IYE Fraud Shield™ Terms and Conditions

1. Introduction

These Terms and Conditions govern the purchase, allocation, use and redemption of investigative credits through the IYE Fraud Shield™ website and client portal.

By purchasing a subscription, purchasing credits, submitting a service request, or using the IYE Fraud Shield™ platform, you confirm that you have read, understood and agreed to these Terms and Conditions.

IYE Fraud Shield™ is operated by IYE Global Ltd and IYE Global UK Ltd (IYE), a company providing fraud intelligence, enhanced due diligence, investigation support, counterparty risk assessment and related professional services.

These Terms apply in addition to any separate proposal, service agreement, statement of work, engagement letter, data processing agreement, confidentiality agreement or other written agreement entered into between IYE and the client. Where there is any conflict, the signed written agreement will take precedence.

2. Definitions

In these Terms:

“IYE”, “we”, “us” or “our” means IYE Global Ltd and IYE Global UK Ltd.

“Client”, “you” or “your” means the organisation, company, firm, institution or authorised representative purchasing or using IYE Fraud Shield™.

“IYE Fraud Shield™” means the subscription, credit-based and intelligence-led service platform provided by IYE.

“Credits” means the investigative service credits allocated to a client account following purchase of a subscription or credit package.

“Service Request” means any request submitted by a client for IYE to conduct a check, review, assessment, investigation, report, intelligence review or other related service.

“Subscription” means a recurring paid plan purchased by the client, which may include an annual or monthly allocation of credits.

“Client Portal” means the secure online area through which clients may submit information, upload documents, view credit balances, access reports, manage requests and, where enabled, manage payment or subscription information.

“Stripe” means the third-party payment processor used by IYE to process card payments, subscriptions, invoices and related payment activity.

3. Business-to-Business Use

IYE Fraud Shield™ is intended for business, professional, institutional and commercial use.

By purchasing credits or subscribing to IYE Fraud Shield™, you confirm that you are acting on behalf of a business, company, partnership, institution, organisation or professional entity, and not as a consumer.

You further confirm that you have authority to enter into these Terms on behalf of the relevant organisation.

4. Nature of the Services

IYE Fraud Shield™ provides intelligence-led risk assessment, enhanced due diligence, counterparty review, transaction risk assessment, fraud prevention support, document review, corporate structure analysis, digital footprint intelligence, source-of-funds assessment, behavioural risk analysis, monitoring and related investigative services.

The services are designed to assist clients in identifying fraud, financial crime, counterparty risk and operational exposure. They do not constitute legal advice, financial advice, investment advice, regulatory advice or a guarantee that fraud, loss, regulatory exposure or other risk will be avoided.

All findings are based on information available at the time of review, information provided by the client, open-source intelligence, proprietary intelligence, third-party data, investigative analysis and professional judgement.

5. Credit-Based Service Model

IYE Fraud Shield™ operates on a credit-based model.

Credits are allocated to the client account following purchase of an eligible subscription or credit package.

Credits may be redeemed against eligible Service Requests, including but not limited to:

enhanced due diligence checks;
individual background checks;
company checks;
counterparty risk assessments;
pre-transaction reviews;
document and instrument reviews;
crypto or digital asset exposure assessments;
transaction risk reviews;
monitoring requests;
escalation support; and
bespoke investigative reviews.

Each service type may have a defined credit value. The applicable credit value will be displayed in the client portal, pricing documentation, subscription documentation, service schedule or agreed client onboarding materials.

IYE may update credit values from time to time to reflect changes in service scope, complexity, data costs, intelligence requirements, third-party costs or operational requirements. Any material change to standard credit values will not affect Service Requests already accepted by IYE unless otherwise agreed.

6. Credit Allocation

Credits are allocated according to the subscription level or credit package purchased by the client.

Credits are not cash, electronic money, stored value, currency, vouchers or financial instruments. Credits have no cash redemption value and cannot be exchanged for money.

Credits may only be used to redeem eligible IYE Fraud Shield™ services.

Credits are allocated to the client account and are not transferable to another organisation, user, account or third party without IYE’s prior written consent.

7. Credit Redemption

Credits are deducted when a Service Request is accepted, started or processed by IYE.

IYE may decline, pause or request clarification before accepting a Service Request where:

the request is outside the agreed scope of services;
insufficient information has been provided;
the matter requires legal, regulatory or specialist external input;
the request presents a conflict of interest;
the request may breach applicable law, regulation, sanctions, confidentiality obligations or ethical standards;
the client does not have sufficient available credits;
payment is overdue;
account access has been suspended; or
IYE considers the request unsuitable, unsafe, disproportionate or inappropriate.

Where a Service Request requires more credits than originally anticipated due to complexity, volume of information, jurisdictional issues, data access requirements or additional investigative work, IYE will notify the client before proceeding with any additional credit deduction.

8. Unused Credits

Unless otherwise stated in the applicable subscription documentation, unused credits may roll forward into the next subscription period where the client maintains an active subscription in good standing.

Rolled-over credits may only be used while the client maintains an active paid subscription.

If a subscription is cancelled, expires, is terminated, or remains unpaid, unused credits may be suspended or expire, unless otherwise agreed in writing.

IYE may apply a maximum rollover period or maximum rollover balance where this is stated in the applicable subscription plan or client agreement.

Credits cannot be refunded, exchanged for cash, transferred or redeemed after account closure unless IYE agrees otherwise in writing.

9. Subscription Plans

IYE may offer monthly, annual or bespoke subscription plans.

Each subscription plan may include:

a defined credit allocation;
access to the client portal;
report download access;
monitoring services;
priority support;
account management;
escalation support; and/or
additional services stated in the applicable plan.

The features, credit allocation, pricing and service scope of each plan will be displayed on the pricing page, in the client portal, or in a separate written proposal or agreement.

IYE may update, amend or withdraw subscription plans from time to time. Any change to an active subscription will be handled in accordance with the applicable agreement, renewal terms or notice provided to the client.

10. Payments

Payments are processed securely through Stripe or another payment provider selected by IYE.

By purchasing a subscription or credit package, you authorise IYE and its payment processor to charge the applicable fees, VAT and any other applicable taxes using the payment method provided.

You are responsible for ensuring that your payment details are accurate, valid and up to date.

Where recurring payments apply, you authorise recurring charges at the agreed billing interval until the subscription is cancelled, terminated or replaced.

IYE does not store full payment card details on its own systems. Payment processing is handled by Stripe or another authorised payment processor.

11. Stripe Payment Processing

Stripe is an independent third-party payment processor. Payments made through Stripe may be subject to Stripe’s own terms, conditions, policies and privacy notices.

IYE is not responsible for any failure, delay, refusal, technical error, payment decline, card issuer decision, bank issue or processing issue caused by Stripe, your bank, card issuer or other third-party payment provider.

Where Stripe provides access to invoices, receipts, payment method management or subscription management, such functionality is provided through Stripe’s systems and may be subject to Stripe’s availability, configuration and terms.

12. VAT and Taxes

Unless expressly stated otherwise, all prices are exclusive of VAT and any applicable taxes.

VAT will be charged where applicable at the prevailing rate.

You are responsible for any taxes, duties, withholding taxes, local charges or reporting obligations applicable to your purchase or use of the services.

Invoices and receipts may be issued through Stripe, the client portal or directly by IYE.

13. Failed Payments

If payment fails, is declined, reversed, disputed, unpaid or otherwise not received when due, IYE may:

suspend access to the client portal;
suspend processing of Service Requests;
withhold reports or deliverables;
pause monitoring services;
suspend credit usage;
cancel or downgrade the subscription;
require payment by alternative method;
recover outstanding sums; and/or
terminate access to IYE Fraud Shield™.

The client remains responsible for all fees due up to the date of cancellation or termination.

14. Cancellation

Unless otherwise stated in a signed agreement, subscriptions may be cancelled by the client through the client portal, Stripe customer portal, written notice to IYE, or another approved cancellation method made available by IYE.

Cancellation will normally take effect at the end of the current billing period.

Cancellation does not automatically entitle the client to a refund for the current billing period, unused time or unused credits.

Where a minimum subscription term applies, the client remains responsible for payment of the full minimum term unless IYE agrees otherwise in writing.

15. Refund Policy

Because IYE Fraud Shield™ provides professional services, investigative capacity, intelligence access, platform access and allocated operational resource, subscription fees and credit purchases are generally non-refundable once purchased.

Refunds will not usually be provided for:

unused credits;
failure to use the service;
partial use of a subscription period;
cancellation part-way through a billing period;
delayed client instructions;
failure by the client to provide required information;
client change of mind;
requests outside the service scope; or
dissatisfaction where services have been performed using reasonable skill and care.

IYE may consider refunds at its sole discretion in exceptional circumstances.

Nothing in these Terms excludes or limits any rights that cannot lawfully be excluded.

16. Chargebacks and Payment Disputes

If you dispute a payment, raise a chargeback, reverse a transaction or otherwise challenge a legitimate payment, IYE may immediately suspend access to the client portal and pause all services.

You agree to contact IYE first to resolve any billing concern before initiating a payment dispute or chargeback.

Where a chargeback or payment dispute is raised, IYE may provide Stripe, banks, card issuers or payment networks with relevant evidence, including invoices, service records, portal logs, communications, terms acceptance records, service request records and report delivery evidence.

If a payment dispute is resolved in IYE’s favour, you remain responsible for any unpaid fees, chargeback fees, administrative costs and reasonable recovery costs.

17. Service Requests and Client Responsibilities

You are responsible for ensuring that all information submitted to IYE is accurate, complete, lawful and provided with proper authority.

You must not upload, submit or request processing of information that you are not legally entitled to provide.

You must not use IYE Fraud Shield™ for unlawful surveillance, harassment, unauthorised profiling, unlawful data collection, unlawful employment screening, unlawful discrimination, political targeting, personal misuse or any purpose that may breach applicable law.

You must provide all information reasonably required by IYE to perform the requested service.

Delays in providing information may delay delivery of services and will not entitle the client to a refund.

18. Delivery of Reports and Services

IYE will use reasonable endeavours to complete accepted Service Requests within any indicated timeframe.

Any delivery timeframe is an estimate unless expressly agreed in writing as binding.

Delivery may be affected by:

complexity of the matter;
quality of client information;
third-party data availability;
jurisdictional issues;
legal or regulatory considerations;
intelligence access limitations;
volume of material;
client response time; or
operational priorities.

Reports may be delivered through the client portal, by secure email, or by another secure method approved by IYE.

19. No Guarantee of Outcome

IYE does not guarantee that any review, check, report, monitoring activity or investigation will identify all risks, prevent all fraud, prevent financial loss, result in recovery of funds, produce a particular finding, or satisfy any regulatory body, bank, counterparty, insurer, court, law enforcement agency or other third party.

The client remains responsible for its own commercial, legal, regulatory, onboarding, transaction and risk decisions.

IYE’s findings are intended to support decision-making, not replace the client’s own governance, compliance, legal or risk management obligations.

20. Client Portal Access

Clients may be provided with access to a secure client portal.

You are responsible for maintaining the confidentiality of login details, passwords and authorised user access.

You must notify IYE immediately if you suspect unauthorised access, misuse, compromised credentials or any security issue.

IYE may suspend portal access where it reasonably suspects misuse, unauthorised access, non-payment, breach of these Terms or security risk.

21. Confidentiality

IYE will treat client information, Service Requests, uploaded documents, reports and communications as confidential, subject to any legal, regulatory, law enforcement, professional or contractual obligation requiring disclosure.

The client must also keep IYE reports, intelligence findings, methodologies, pricing, service structures and confidential communications confidential.

Reports must not be disclosed, published, circulated or relied upon by third parties without IYE’s prior written consent, unless required by law or agreed in writing.

22. Data Protection

Each party will comply with applicable data protection laws.

The client is responsible for ensuring it has a lawful basis to provide personal data to IYE.

IYE may process personal data for the purpose of providing fraud intelligence, enhanced due diligence, investigation support, risk assessment, client account management, billing, compliance, legal obligations and service delivery.

Further details may be set out in IYE’s Privacy Policy, Data Processing Agreement, client agreement or service documentation.

23. Intellectual Property

All intellectual property rights in IYE Fraud Shield™, Cobra AI, reports, templates, methodologies, analysis, risk models, service frameworks, portal design, written materials and related materials remain owned by IYE or its licensors.

The client receives a limited, non-exclusive, non-transferable right to use final reports and deliverables for its own internal business, risk management, compliance, governance or transaction assessment purposes.

The client must not copy, resell, reproduce, distribute, reverse engineer, commercially exploit, publish or disclose IYE materials without prior written consent.

24. Acceptable Use

You must not use IYE Fraud Shield™:

for unlawful purposes;
to breach sanctions, anti-bribery, anti-money laundering, privacy or data protection laws;
to submit false, misleading or unauthorised information;
to investigate individuals or entities without lawful authority;
to overload, disrupt, damage or interfere with the platform;
to attempt unauthorised access;
to resell credits or reports;
to misrepresent IYE findings;
to create misleading conclusions from IYE reports; or
in any way that may damage IYE’s reputation, systems, legal position or operational integrity.

25. Suspension and Termination

IYE may suspend or terminate access to the service where:

payment is overdue;
a chargeback or payment dispute is raised;
the client breaches these Terms;
the client misuses the service;
IYE suspects unlawful activity;
the client provides false or misleading information;
continuing to provide services may breach law, regulation or ethical obligations;
a conflict of interest arises;
the client becomes insolvent or ceases trading; or
IYE reasonably considers suspension necessary to protect its business, systems, clients, data, staff, partners or legal position.

Suspension or termination does not affect IYE’s right to recover unpaid fees.

26. Limitation of Liability

IYE will provide services using reasonable skill and care.

To the fullest extent permitted by law, IYE will not be liable for:

indirect or consequential loss;
loss of profit;
loss of revenue;
loss of business opportunity;
loss of goodwill;
reputational damage;
regulatory action;
loss caused by client decisions;
loss caused by third-party acts or omissions;
failure of third-party data sources;
payment processor failures;
bank, card issuer or Stripe issues;
client failure to act on findings; or
fraud, loss or damage not caused directly by IYE’s breach.

Nothing in these Terms limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded.

27. Third-Party Services

IYE may use third-party providers, data sources, software systems, payment processors, hosting providers, security tools, intelligence sources and professional partners to deliver the services.

IYE is not responsible for third-party service interruptions, data errors, outages, delays or failures outside its reasonable control.

28. Changes to These Terms

IYE may update these Terms from time to time.

The latest version will be published on the website.

Where changes materially affect active subscriptions, IYE may provide notice by email, client portal notice, website notice or other reasonable means.

Continued use of IYE Fraud Shield™ after updated Terms are published constitutes acceptance of the updated Terms.

29. Governing Law and Jurisdiction

These Terms are governed by the laws of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction over any dispute arising from or relating to these Terms, the purchase of credits, subscriptions, payments, service delivery or use of IYE Fraud Shield™.

30. Contact

Questions regarding these Terms, subscriptions, credits, payments or service access should be sent to:

IYE Global Ltd
20-22 Wenlock Road
London
N1 7GU
United Kingdom

IYE Global UK Ltd
124 City Road
London
EC1V 2NX
United Kingdom

Email: support@iyefraudshield.com