Terms and Conditions

These Terms and Conditions, including any schedules, annexes or appendices thereto, shall govern the mutual relationship of the Service Provider and the Customer (hereinafter collectively referred to as the “Parties” or individually as a “Party“).

The Customer agrees to be bound by the Terms and Conditions by proceeding with the registration while applying for a particular Pricing Plan on the Service Provider’s Website.

1. Definitions and Interpretations

1.1. In these Terms and Conditions, unless the context requires otherwise, the following definitions shall apply:

  • API

    means a set of functions and procedures that facilitate submission of applications for access to the features or data of the System.

  • Applicant

    means the end user (whether natural person or legal entity) providing documents, images, and other input data in respect of which the Service Provider performs Checks and other Services.

  • Business Purpose

    means the permitted purpose for which the Customer may use the System and the Services. For clarity, the Customer may use the System (in its entirety or in part) for lawful purposes of remote identity verification, fraud prevention, compliance with AML/CFT laws and regulations, internal risk management and due diligence procedures, and other similar purposes.

  • Check

    means a subcategory of the Services consisting of analysis of documents, images, and other input data submitted by a given Applicant, carried out in order to verify the Applicant’s identity. For clarity, a Check is deemed completed when a given Applicant is assigned a “Rejected”, “Approved” or “Resubmission requested” status in the Dashboard. If any Check is reiterated in respect of the same Applicant later than one calendar month from the moment when the first such Check was completed, such reiteration shall be considered a new Check and, therefore, charged separately.

  • Commencement Date

    means the day the Customer expresses its agreement to be bound by these Terms and Conditions.

  • Confidential Information

    means information disclosed by (or on behalf of) one Party to the other Party that is marked as confidential or, from its nature, content or the circumstances in which it is disclosed, might reasonably be supposed to be confidential. It does not include information (i) that the recipient already knew, (ii) that becomes public through no fault of the recipient, (iii) that was independently developed by the recipient or (iv) that was lawfully given to the recipient by a third party.

  • Customer System

    meansany information technology system (systems) owned or operated by the Customer, if any, which receives data from the Service Provider in accordance with these Terms and Conditions, including the Customer’s data processing facilities, data files and documents requiring processing.

  • Customer User

    meansany member of the Customer’s personnel authorised by the Customer to access and/or use the System (in its entirety or in part) under their own unique identifier issued by the Service Provider.

  • DPA

    means the Data Processing Agreement as contained in Annex 3 to these Terms and Conditions.

  • Fees

    means the charges payable by the Customer to the Service Provider in accordance with these Terms and Conditions and, specifically, Annex 2 hereto.

  • Good Industry Practice

    means, in relation to any undertaking and any circumstances, the exercise of skill, diligence, prudence, foresight and judgement and any expenditure that would reasonably be expected from a skilled person engaged in the same type of undertaking under the same or similar circumstances.

  • Intellectual Property Rights

    means all patents, rights to inventions, utility models, copyright and related rights, trademarks, service marks, trade, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, unfair competition rights, rights in designs, rights in computer software, database rights, topography rights, moral rights, rights in Confidential Information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for and renewals or extensions of such rights, and all similar or equivalent rights or forms of protection in any part of the world.

  • Malicious Code

    means viruses, worms, time bombs, Trojan horses and other similar malware, files, scripts, agents or programs.

  • Payment Terms

    means the general payment terms and options applicable to the Parties’ relationship, as contained in Annex 2 to these Terms and Conditions.

  • Pricing Plan

    means the tariff and the payment option chosen by the Customer via the Service Provider’s Website prior to using the System, entitling the Customer to use Services of types and volumes and on the conditions specified in the respective Pricing Plan.

  • Reports

    means documents generated in the Dashboard and containing summaries of the Checks performed in respect of each given Applicant and of their results.

  • SDK

    means the software code supplied by the Service Provider to be embedded into the Customer System and any documentation relating to the integration of the System with the Customer System.

  • Security Feature

    meansany key, PIN, password, token, smartcard, etc.

  • SLA

    means the Service Level Agreement as contained in Annex 1 to these Terms and Conditions.

  • Support

    meansthe technical support to be rendered by the Service Provider, including maintaining the System accurate, up-to-date, in good working order, and free from Malicious Code, and restoring it to normal operational conditions if unavailable.

  • Specification

    means the list and description of Services corresponding to the Pricing Plan chosen by the Customer, available at: https://sumsub.com/plans-and-pricing at the relevant time. The Service Provider reserves the right to update or amend the Specification, provided that such actions are not detrimental to the Customer’s legitimate interests; the Customer shall be entitled to object to an update or amendment, in which case it shall not be applicable (or, as the case may be, shall cease to apply) to its relationship with the Service Provider. The Customer may at any time enable or disable any of the Services covered by the respective Specification by contacting the Service Provider’s support department at [email protected]

  • System

    means a set of computer programs and databases owned and operated by the Service Provider in order to render the services described in the Specification (the “Services“). The System includes an interactive software tool facilitating the communication between the Service Provider and the Customer and ensuring management and processing of requests for verification submitted by the Customer or by Applicants (the “Dashboard“).

  1. 1.2Where the expressions “include(s)”, “including” or “in particular” are used in these Terms and Conditions, the list of words following them shall not be considered exhaustive.
  2. 1.3References to sections and clauses are to the respective sections and clauses of these Terms and Conditions.
  3. 1.4A reference to a party includes its successors and permitted assigns.

2. Term

  1. 2.1These Terms and Conditions shall become effective on the Commencement Date and remain in force for an initial period of 12 months (the “Initial Period”). Once the Initial Period expires, these Terms and Conditions shall be automatically renewed for subsequent periods of 12 months each (the “Renewal Periods”) unless terminated earlier by either Party pursuant to section 9 below. The Initial Period and any Renewal Periods, taken cumulatively, shall constitute the “Term“.

3. Connection to the system

  1. 3.1For the Customer to gain access to the System, a designated Customer User must (i) provide to the Service Provider relevant personal and company details (including bank card details) as specified in the respective form on the Website and (ii) have their identity verified by the Service Provider within 7 days after the Commencement Date and in accordance with the Service Provider’s instructions forwarded by email. The Service Provider is entitled to temporarily suspend the Customer’s account in the System if the Customer User’s identity has not been verified within the aforementioned period.
  2. 3.2Once the procedure detailed in clause 3.1(i) above has been completed, the Service Provider shall enable the Customer’s connection to the System. Each Party shall bear its own costs of establishing the connection; however, the Service Provider shall provide the Customer with all reasonable assistance and information necessary to establish the connection in a timely manner.
  3. 3.3The Service Provider shall, for the entire duration of the Term, (i) provide the Customer with Services and Support in accordance with Good Industry Practice, the Specification and the SLA and (ii) promptly supply any new releases of the System’s features to the Customer.
  4. 3.4The Customer acknowledges that for any reason, at any time, and without prior notice, the Service Provider may issue updates to the provided Services / the System, and agrees to use commercially reasonable efforts to install such updates in a timely manner. Failure of the Customer to update all versions of the Services / the System within 60 days of written upgrade notification from the Service Provider shall be considered a material breach in accordance with clause 9.3 of these Terms and Conditions. The Service Provider shall send written upgrade notifications via email address or through the System notification mechanism. The Service Provider shall not be in any way liable for the incorrect operation of the System due to the failure of the Customer to comply with the obligation to update the Services / the System.

4. Intellectual property rights – ownership and protection

  1. 4.1The Customer acknowledges and agrees that all Intellectual Property Rights in the System are the property of the Service Provider or its counterparties (as the case may be) and the Customer shall have no rights in or to the System other than the right to use it in accordance with the express provisions of these Terms and Conditions.
  2. 4.2Subject to clause 4.1 above, the Service Provider grants the Customer a worldwide, non-exclusive, non-transferable license to use the System for the Business Purpose and in accordance with these Terms and Conditions, effective during the entire Term. The Customer may not sublicense this right other than with prior written consent of the Service Provider.

5. Charges

  1. 5.1For provision of the Services and use of the System, including receipt of any new releases, Support, or maintenance as per these Terms and Conditions, the Customer shall pay the Service Provider charges as detailed in the chosen Pricing Plan and the Payment Terms. The Customer may switch to another Pricing Plan at any time by contacting the Service Provider’s support department at [email protected], effective from the next calendar month.
  2. 5.2Unless it is stated otherwise in the Payment Terms, the Service Provider shall invoice the Customer no later than the 10th day of the month following the reporting period (meaning the period in which the chargeable Services were actually provided), and the Customer shall pay the correct invoices within 10 business days of receipt from the Service Provider.
  3. 5.3The Service Provider shall have the right to suspend access to the Services and/or the System until the Customer makes the due payment as required under clauses 5.1-5.2 above and the Payment Terms. Additionally, the Service Provider shall be entitled to a penalty in the amount of 0,1% of the due payment per each day of such delay.
  4. 5.4Once the Customer has gained access to the System as described in clauses 3.1-3.2 above, the Service Provider may, at its own discretion, grant the Customer a free trial of the System’s capabilities for testing purposes only (“Test Period“). The Test Period shall continue for a period specified in the Dashboard, unless terminated by either Party pursuant to section 9. The Customer acknowledges that not all features and functionalities of the System shall be available during the Test Period.

6. Confidentiality and data protection

  1. 6.1The recipient of any Confidential Information shall not disclose it to any third party, except to employees and/or professional advisors who need to know it for the purposes of these Terms and Conditions and who have agreed in writing (or, in the case of professional advisors, are otherwise bound) to keep such information confidential. The recipient shall ensure that such persons: (a) use Confidential Information only to exercise rights and fulfil obligations under these Terms and Conditions; and (b) keep such Confidential Information secure and protected from disclosure. The recipient may also disclose Confidential Information if so required by law after giving reasonable notice to the discloser, such notice to be sufficient to give the discloser the opportunity to seek confidential treatment, a protective order or similar remedies or relief prior to disclosure.
  2. 6.2The Service Provider shall guarantee protection of personal data received under these Terms and Conditions at the level required by the applicable laws and regulations (including the EU General Data Protection Regulation, as the case may be). The regime of personal data protection is set out in the DPA.
  3. 6.3When these Terms and Conditions are terminated, the Service Provider shall, subject to clause 6.2 above, upon the relevant request of the Customer and unless the Customer is in breach of these Terms and Conditions, transfer to the Customer, free of charge and in a structured manner, all the data collected in relation to the Applicants or, alternatively and where possible, permit the Customer to extract such data from the System on its own. The exact method of the transfer shall be agreed upon by the Parties.

7. Security features. Customer users

  1. 7.1The Customer shall not permit, enable, or provide access to the System to anyone except the Customer Users. In particular, where the Service Provider uses Security Features in relation to the System, the Customer shall keep such Security Features confidential and not share them other than with the Customer Users.
  2. 7.2Any Customer User shall only be assigned Security Features and other credentials necessary to access the System after the relevant request from the Customer has been approved by the Service Provider. The Customer shall ensure that such requests are only delivered by those members of its personnel who are authorised to do so.
  3. 7.3All and any actions carried out in the System / the Dashboard with the use of Security Features or other credentials previously assigned to Customer Users shall be regarded as performed by duly authorised Customer Users. The Service Provider shall not be in any way liable for the consequences of such actions.

8. Liability. Limitation of liability

  1. 8.1Neither Party excludes or limits liability to the other Party for (a) fraud or fraudulent misrepresentation; (b) any indemnities under these Terms and Conditions; or (c) any matter for which it would be unlawful for the Parties to exclude or limit liability.
  2. 8.2Subject to clause 8.1 above, neither Party shall be liable to the other Party, whether in contract, tort (including for negligence and breach of statutory duty howsoever arising), misrepresentation (whether innocent or negligent), restitution or otherwise, for: (a) any loss of profits, income, goodwill, revenue or business opportunities; any special, indirect or consequential loss or damages; (b) losses arising out of a force majeure event; (c) any loss or corruption of data or information, except if it was caused by a breach of these Terms and Conditions by either Party.
  3. 8.3Subject to clause 8.1 above, the Service Provider’s total aggregate liability in contract, tort (including negligence and breach of statutory duty howsoever arising), misrepresentation (whether innocent or negligent), restitution or otherwise, arising in connection with the performance or contemplated performance of these Terms and Conditions or any collateral contract shall in all circumstances be limited to: (a) 100% of the total Fees paid by the Customer to the Service Provider during the 3-month period immediately before the date on which the cause of action first arose or (b) 2500 USD, whichever is less, or (c) 50 USD, if the cause of action arose during the Test Period.

9. Termination and suspension

  1. 9.1The Customer may terminate these Terms and Conditions via the Dashboard at any time for convenience, at which point the Services will no longer be available for use;
  2. 9.2Without prejudice to any rights that have accrued under these Terms and Conditions, either Party may terminate these Terms and Conditions with immediate effect by giving written notice to the other Party if: (a) the other Party is in material breach of these Terms and Conditions where the breach is incapable of remedy; or (b) the other Party is in material breach of these Terms and Conditions where the breach is capable of remedy and fails to remedy that breach within fourteen (14) days after receiving written notice of such breach; or (c) the other Party enters into an arrangement or composition with or for the benefit of its creditors, goes into administration, receivership or administrative receivership, is declared bankrupt or insolvent or is dissolved or otherwise ceases to carry on business; or (d) any analogous event happens to the other Party in any jurisdiction in which it is incorporated or resident or in which it carries on business or has assets.
  3. 9.3Any provision of these Terms and Conditions that expressly or by implication is intended to come into or continue in force on or after termination of these Terms and Conditions shall remain in full force and effect. Termination for any reason shall not affect the accrued rights, remedies, obligations or liabilities of the Parties existing at the date of termination.
  4. 9.4Subject to clause 6.3 above, upon termination of these Terms and Conditions for any reason or expiry of the Term, each Party shall as soon as reasonably practicable return or destroy (as directed in writing by the other Party) all data, information, software, and other materials provided to it by the other Party in connection with these Terms and Conditions, including all materials containing or based on the other Party’s Confidential Information.
  5. 9.5The Service Provider reserves the right to temporarily suspend the Customer’s or any Customer User’s access to the System and/or the Services and/or terminate these Terms and Conditions with immediate effect at its own discretion where it knows or reasonably suspects that: (a) the Customer is in breach of any applicable laws and regulations or is subject to any local or international sanctions or restrictions; (b) the Customer infringes the intellectual property rights of the Service Provider or its counterparties; (c) a third party has gained unauthorised access to the System and/or the Services as a result of the Customer’s actions or omissions or using the Security Features or other credentials of a Customer User; (d) the Customer’s activity may, in the opinion of the Service Provider, be detrimental to the interests or business reputation of the Service Provider or its counterparties.

10. General

  1. 10.1Neither Party shall be liable for any delay or non-performance of its obligations under these Terms and Conditions to the extent that such delay or non-performance is a result of any condition beyond its reasonable control, including but not limited to governmental action, pandemic, acts of terrorism, earthquake, fire, flood or other similar events, labour conditions, power failures, and Internet disturbances.
  2. 10.2No variation of these Terms and Conditions shall be valid unless it is in writing and signed by or on behalf of each of the Parties, except as expressly provided hereunder.
  3. 10.3Failure or delay in exercising any right or remedy under these Terms and Conditions shall not constitute a waiver of such (or any other) right or remedy.
  4. 10.4If any provision of these Terms and Conditions (or part of any provision) is found by any court or other authority of competent jurisdiction to be invalid, illegal or unenforceable, that provision or part-provision shall, to the extent required, be deemed not to form part of these Terms and Conditions; and (a) the Parties shall immediately commence good faith negotiations to remedy such invalidity; and (b) the validity and enforceability of the other provisions of these Terms and Conditions as applicable shall not be affected.
  5. 10.5These Terms and Conditions constitute the whole agreement between the Parties and supersede any previous arrangement, understanding or agreement between them relating to the subject matter of these Terms and Conditions. Each Party acknowledges that in entering into these Terms and Conditions it has not relied upon any oral or written statements, collateral or other warranties, assurances, representations or undertakings which were made by or on behalf of the other Party in relation to the subject matter of these Terms and Conditions other than those which are set out herein (or those which the Terms and Conditions explicitly refer to).
  6. 10.6Except as expressly stated otherwise, nothing in these Terms and Conditions shall create or confer any rights or other benefits in favour of any person other than the Parties. Except as expressly stated otherwise, nothing in these Terms and Conditions shall create an agency, partnership or joint venture of any kind between the Parties. Neither Party shall have authority to act in the name of or on behalf of the other, or to enter into any commitment or make any representation or warranty or otherwise bind the other in any way.
  7. 10.7Neither Party may assign any of its rights or obligations under these Terms and Conditions without the prior written consent of the other, such consent not to be unreasonably withheld, save that either Party can assign to an acquirer of all or substantially all of the assets of a Party without the consent of the other.
  8. 10.8Each Party is only permitted to make public announcements and/or publish written materials concerning the other Party and/or the existence and nature of the business relationship between the Parties if the other Party has given its prior written consent to the content of such an announcement or the text of such a written material, except as required by law, any governmental or regulatory authority (including, without limitation, any relevant securities exchange), any court or other authority of competent jurisdiction. However, each Party may freely use the other Party’s trademarks (including logos) in its promotional or marketing materials, on websites etc. for the sole purpose of publicly identifying such other Party as its counterparty.
  9. 10.9All notices must be in English, in writing and sent to the receiving Party’s current postal address, email address or via other means mutually agreed upon by the Parties. All notices shall be deemed to have been given on receipt as verified by written or automated receipt or electronic log (as applicable).
  10. 10.10The Parties shall: (i) comply with all applicable laws, statutes and regulations relating to anti-bribery and anti-corruption including to the Bribery Act 2010 (Relevant Requirements); (ii) not engage in any activity, practice or conduct which would constitute an offence under sections 1, 2 or 6 of the Bribery Act 2010 if such activity, practice or conduct had been carried out in the UK; (iii) promptly report to the other Party any request or demand for any undue financial or other advantage of any kind received by it in connection with the performance of these Terms and Conditions.
  11. 10.11These Terms and Conditions and all disputes and claims arising out of or in connection with them are governed by the laws of England and Wales. With the sole exception of any application for injunctive relief, the Parties irrevocably agree that the courts of England and Wales have exclusive jurisdiction to settle any dispute or claim (whether contractual or non-contractual) arising out of or in connection with these Terms and Conditions (including their subject matter or formation).

Annex 1

Service level agreement

  1. 1.1This Service Level Agreement (“SLA”) is a policy governing the use of the Sum and Substance API and/or Web/Mobile SDK (depending on which type of integration is chosen, hereinafter “S&S Service”) between the Service Provider and the Customer.
  2. 1.2Except as otherwise provided herein, this SLA is subject to the Terms and Conditions. Terms not otherwise defined herein shall have the meaning given to them in the Terms and Conditions.
  3. 1.3Service Availability: “Service Availability” means that the S&S Service may be accessed and used by the Customer for the Business Purpose and in accordance with the Terms and Conditions.
  4. 1.4Uptime commitment: the Service Availability of the S&S Service shall be at least ninety-nine and five tenths percent (99.5%) in each calendar month.
  5. 1.5Uptime measurement: the Service Provider shall measure uptime by checking the response of the S&S Service. Every one (1) minute, a third-party service will attempt to access the S&S Service. If the service does not receive a successful HTTPS response – that is, a HTTPS response code of 2XX or 3XX – that will count as one minute of downtime. The unavailability of the S&S Service shall be calculated from the time that such unavailability is reported by the Customer to the Service Provider at [email protected]ю
  6. 1.6Exclusions: The calculation of Uptime commitment excludes instances of: force majeure events, Scheduled Maintenance, or Emergency Maintenance. Scheduled Maintenance means the Service Provider may conduct up to five (5) hours of maintenance per calendar month with prior written notice for the purposes of installing upgrades, fixes or reconfigurations to the System. Emergency Maintenance means the Service Provider may conduct maintenance with no prior notice in order to resolve server security issues or other emergency issues. The Service Provider shall use best endeavours to notify the Customer at the beginning and end of such maintenance, and shall provide details on the nature of the work being performed.

Annex 2

Payment terms

  1. 1.Fees
  2. 1.11.1 Subject to the chosen Pricing Plan and the respective Specification, the Customer may be obliged to pay the Service Provider Deposits and/or Commitment (as the main payment options), Check Charges, Service Charges, Subscription Fees and/or Installation Fee (“Fees”). For the avoidance of doubt, all Fees shall be non-refundable and considered fully earned upon their payment. The definitions given below shall have the same meaning in any supplemental agreement as may be concluded by the Parties unless stated otherwise in the given supplemental agreement.

    1. 1.1.1Deposits are paid regularly (upon the Commencement Date and upon the commencement of each Renewal Period) and on an unconditional basis (irrespectively of whether any Checks were conducted and/or other Services rendered within the Initial Period or the given Renewal Period, as the case may be). Notwithstanding this, subject to paying the Deposit, the Customer shall be entitled to use a respective number of Checks and/or other Services within the Initial Period or the given Renewal Period, as the case may be, such number to be calculated based on the price of an individual Check / other Services as set out in the respective Pricing Plan. Once a Deposit is exceeded, any additional Checks and other Services are billed separately.
    2. 1.1.2Commitment is paid regularly (once in a reporting period), on an unconditional basis (irrespectively of whether any Checks were conducted and/or other Services rendered within the given reporting period). Notwithstanding this, subject to paying the Commitment, the Customer shall be entitled to use a respective number of Checks and/or other Services within the given reporting period, such number to be calculated based on the price of an individual Check / other Services as set out in the respective Pricing Plan. Once the Commitment is exceeded, any additional Checks and other Services are billed separately. Where Commitment and Deposit are chosen simultaneously as the main payment options, the Commitment is not deductible from the Deposit and is only applicable to the specific Services for which it is chosen.
    3. 1.1.3Check Charges and Service Charges are paid separately for each Check conducted and for other Services rendered in excess of the Deposit or the Commitment, as the case may be, within the Initial Period or the given Renewal Period (as regards the Deposit) or within a given reporting period (as regards the Commitment).
    4. 1.1.4Subscription Fees are paid for the provision of specific Services, regularly (once in a reporting period) and on an unconditional basis. Subscription Fees may be deductible or non-deductible from the Deposit as detailed in the Pricing Plan and are not deductible from the Commitment. Alternatively to paying monthly Subscription Fees, the Customer may choose, by giving written notice to the Service Provider, to pay all of the Subscription Fees that would otherwise become due during the Initial Period (or a given Renewal Period, as the case may be) in advance as an aggregate amount. In this case, the Customer shall be entitled to a discount of 20% of the entire amount of Subscription Fees that would otherwise become due during the Initial Period (or the given Renewal Period, as the case may be).
    5. 1.1.5Installation Fee is paid once for the activation of a given Service. The Installation Fee may be deductible or non-deductible from the Deposit as detailed in the Pricing Plan and is not deductible from the Commitment.
  3. 1.2The Fees do not include VAT, where applicable.
  4. 1.3The Service Provider reserves the right to adjust any Fees payable by the Customer under this Agreement, effective as of the commencement of the following Renewal Period, provided, however, that а) any increase in the Fees may only be executed once in 12 months and shall not exceed five percent (5%) of the Fees that were in effect prior to such adjustment, and b) the Service Provider shall notify the Customer of such adjustment not later than 30 days prior to the prospective date of its enforcement. If the Customer fails to object to the notice, the Customer shall be deemed to have agreed to the adjustment.
  5. 2.Schedule of payments
  6. 2.1Any Fees shall be payable by the Customer in accordance with the invoicing procedure set out in clause 2.3 below and in the amount detailed in the respective Pricing Plan.
  7. 2.2The reporting period shall mean the given calendar month, starting from its first day. Where the Services are not used for the entire reporting period (in particular, where the Customer terminates the Terms and Conditions in accordance with clause 9.1 thereof), the Commitment and/or Subscription Fees payable in such a reporting period shall be calculated in proportion to the number of calendar days during which the Services were available for use.
  8. 2.3The Service Provider shall invoice the Customer as follows:

    1. 2.3.1for the Deposit, as reasonably practicable upon the Commencement Date or upon the commencement of any given Renewal Period, as the case may be;
    2. 2.3.2for the Commitment, Check Charges and/or Service Charges, Subscription Fees, if any – no later than the 10th day of the month following the reporting period;
    3. 2.3.3for the reduced Subscription Fees as described in clause 1.1.4 above, if applicable, as reasonably practicable upon the Commencement Date or upon the commencement of any given Renewal Period, as the case may be;
    4. 2.3.4for the Installation Fee, if any, as reasonably practicable upon the Commencement Date.
  9. 2.4Any undisputed invoices shall be paid by the Customer within 10 business days of receipt from the Service Provider.

Annex 3

Data processing agreement

  1. Background
  2. 1This DPA (hereinafter “Agreement“) is supplemental to the Terms and Conditions and applies as set out therein.
  3. 2This Agreement sets out additional terms, requirements and conditions on which the Service Provider (hereinafter also “Sum and Substance“) will process Personal Data when providing Services under the Terms and Conditions. This Agreement contains the mandatory clauses required by Article 28(3) of the General Data Protection Regulation ((EU) 2016/679)for contracts between data controllers and data processors.

Agreed terms

  1. 1.Definitions and interpretation
  2. 1.1The following definitions and rules of interpretation apply in this Agreement:

    1. a.Authorised Persons: persons or categories of persons that the Customer authorises to give personal data processing instructions to the Service Provider. The Customer shall deliver the list of Authorised Persons to the Service Provider as soon as reasonably practicable upon the Commencement Date.
    2. b.Business Purposes: the provision of Services as described in the Terms and Conditions or any other purpose specifically defined in Appendix A.
    3. c.Data Subject: an individual who is the subject of Personal Data.
    4. d.Personal Data: means any information relating to an identified or identifiable natural person that is processed by Sum and Substance as a result of, or in connection with, the provision of the Services under the Terms and Conditions; an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
    5. e.Processing, processes and process: either any activity that involves the use of Personal Data or as the Data Protection Legislation may otherwise define processing, processes or process. It includes any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction. Processing also includes transferring Personal Data to third parties.
    6. f.Data Protection Legislation: all applicable privacy and data protection laws including the General Data Protection Regulation ((EU) 2016/679) and any applicable national implementing laws, regulations and secondary legislation in England and Wales relating to the processing of Personal Data and the privacy of electronic communications, as amended, replaced or updated from time to time, including the Privacy and Electronic Communications Directive (2002/58/EC) and the Privacy and Electronic Communications (EC Directive) Regulations 2003 (SI 2003/2426).
    7. g.Personal Data Breach: a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, Personal Data transmitted, stored or otherwise processed.
  3. 1.2This Agreement is subject to the Terms and Conditions and is incorporated into the Terms and Conditions. Interpretations and defined terms set forth in the Terms and Conditions apply to the interpretation of this Agreement;
  4. 1.3Appendix A forms a part of this Agreement. Any reference to this Agreement includes Appendix A;
  5. 1.4A reference to writing or written includes email;
  6. 1.5In the case of conflict or ambiguity between:

    1. a.this Agreement and Appendix A, this Agreement will prevail;
    2. b.this Agreement and the Terms and Conditions, this Agreement will prevail.
  1. 2.Personal data types and processing purposes
  2. 2.1The Customer and Sum and Substance acknowledge that for the purposes of the Data Protection Legislation, the Customer is the data controller and Sum and Substance is the data processor;
  3. 2.2The Customer retains control of the Personal Data and remains responsible for its compliance obligations under the applicable Data Protection Legislation, including providing any required notices and obtaining any required consents, and for the processing instructions it gives to Sum and Substance;
  4. 2.3Appendix A describes the subject matter, duration, nature and purpose of processing and the Personal Data categories and Data Subject types.
  1. 3.Sum and Substance’s obligations
  2. 3.1Sum and Substance will only process Personal Data to the extent, and in such a manner, as is necessary for the Business Purpose in accordance with the Customer’s written instructions from Authorised Persons. Sum and Substance will not process the Personal Data for any other purpose or in a way that does not comply with this Agreement or Data Protection Legislation. Sum and Substance must promptly notify the Customer if, in its opinion, the Customer’s instruction would not comply with Data Protection Legislation;
  3. 3.2Sum and Substance must promptly comply with any of the Customer’s requests or instruction from Authorised Persons requiring Sum and Substance to amend, transfer, delete or otherwise process the Personal Data, or to stop, mitigate or remedy any unauthorised processing. This provision shall not apply where the Customer has access to the functionalities of the Dashboard allowing to carry out such operations with Personal Data, in which case the Customer itself shall be responsible for their execution;
  4. 3.3Sum and Substance will maintain the confidentiality of all Personal Data and will not disclose Personal Data to third parties unless the Customer or this Agreement specifically authorises the disclosure, or as required by law. If a law, court, regulator or supervisory authority requires Sum and Substance to process or disclose Personal Data, Sum and Substance must first inform the Customer of the legal or regulatory requirement and give the Customer an opportunity to object or challenge the requirement, unless the law prohibits such notice;
  5. 3.4Sum and Substance will reasonably assist the Customer with meeting the Customer’s compliance obligations under Data Protection Legislation, taking into account the nature of Sum and Substance’s processing and the information available to Sum and Substance, including in relation to Data Subject rights, data protection impact assessments and reporting to and consulting with supervisory authorities under the Data Protection Legislation;
  6. 3.5Sum and Substance must promptly notify the Customer of any changes to Data Protection Legislation that may adversely affect Sum and Substance’s performance of the Terms and Conditions.
  1. 4.Sum and Substance’s employees
  2. 4.1Sum and Substance will ensure that all employees:

    1. a.are informed of the confidential nature of the Personal Data and are bound by confidentiality obligations and use restrictions in respect of the Personal Data;
    2. b.have undertaken training on the Data Protection Legislation relating to handling Personal Data and how it applies to their particular duties; and
    3. c.are aware both of Sum and Substance’s duties and their personal duties and obligations under the Data Protection Legislation and this Agreement.
  3. 4.2Sum and Substance will take reasonable steps to ensure the reliability, integrity and trustworthiness of and conduct background checks consistent with applicable law on all of Sum and Substance’s employees with access to the Personal Data.
  1. 5.Security
  2. 5.1Sum and Substance must at all times implement appropriate technical and organisational measures against unauthorised or unlawful processing, access, disclosure, copying, modification, storage, reproduction, display or distribution of Personal Data, and against accidental or unlawful loss, destruction, alteration, disclosure or damage of Personal Data;
  3. 5.2Sum and Substance must implement such measures to ensure a level of security appropriate to the risk involved, including as appropriate:

    1. a.the pseudonymisation and encryption of personal data;
    2. b.the ability to ensure the ongoing confidentiality, integrity, availability and resilience of processing systems and services;
    3. c.the ability to restore the availability and access to personal data in a timely manner in the event of a physical or technical incident; and
    4. d.a process for regularly testing, assessing and evaluating the effectiveness of security measures.
  1. 6.Personal Data Breach
  2. 6.1Sum and Substance will promptly and without undue delay notify the Customer if any Personal Data is lost or destroyed or becomes damaged, corrupted, or unusable. Sum and Substance will restore such Personal Data at its own expense, if possible;
  3. 6.2Sum and Substance will immediately and without undue delay notify the Customer if it becomes aware of:

    1. a.any accidental, unauthorised or unlawful processing of the Personal Data; or
    2. b.any Personal Data Breach.
  4. 6.3Where Sum and Substance becomes aware of (a) and/or (b) above, it shall, without undue delay, also provide the Customer with the following information:

    1. a.description of the nature of (a) and/or (b), including the categories and approximate number of both Data Subjects and Personal Data records concerned;
    2. b.the likely consequences; and
    3. c.description of the measures taken, or proposed to be taken to address (a) and/or (b), including measures to mitigate its possible adverse effects.
  5. 6.4Immediately following any unauthorised or unlawful Personal Data processing or Personal Data Breach, the Parties will coordinate with each other to investigate the matter. Sum and Substance will reasonably cooperate with the Customer in the Customer’s handling of the matter, including:

    1. a.assisting with any investigation;
    2. b.facilitating interviews with Sum and Substance’s employees, former employees and others involved in the matter;
    3. c.making available all relevant records, logs, files, data reporting and other materials required to comply with all Data Protection Legislation or as otherwise reasonably required by the Customer; and
    4. d. taking reasonable and prompt steps to mitigate the effects and to minimise any damage resulting from the Personal Data Breach or unlawful Personal Data processing.
  6. 6.5Sum and Substance will not inform any third party of any Personal Data Breach without first obtaining the Customer’s prior written consent, except when required to do so by law;
  7. 6.6Sum and Substance agrees that the Customer has the sole right to determine:

    1. a.whether to provide notice of the Personal Data Breach to any Data Subjects, supervisory authorities, regulators, law enforcement agencies or others, as required by law or regulation or in the Customer’s discretion, including the contents and delivery method of the notice; and
    2. b.whether to offer any type of remedy to affected Data Subjects, including the nature and extent of such remedy.
  8. 6.7Sum and Substance will cover all reasonable expenses associated with the performance of the obligations under clause 6.2 and clause 6.4 unless the matter arose from the Customer’s specific instructions, negligence, wilful default or breach of this Agreement, in which case the Customer will cover all reasonable expenses;
  9. 6.8Sum and Substance will also reimburse the Customer for actual reasonable expenses that the Customer incurs when responding to a Personal Data Breach to the extent that Sum and Substance caused such a Personal Data Breach, including all costs of notice and any remedy as set out in clause 6.6.
  1. 7.Cross-border transfers of personal data
  2. 7.1Sum and Substance (or any subcontractor) shall not transfer or otherwise process Personal Data outside the European Economic Area (EEA) without obtaining the Customer’s prior written consent. Notwithstanding this, by signing this Agreement the Customer agrees that Sum and Substance may process Personal Data in any EEA countries.
  3. 7.2If any Personal Data transfer between the Customer and Sum and Substance requires execution of Standard Contractual Clauses in order to comply with the Data Protection Legislation, the Parties will enter into such an arrangement.
  1. 8.Subcontractors
  2. 8.1Sum and Substance may authorise a third party (subcontractor) to process Personal Data and it hereby represents and guarantees, subject to clause 14 and 15, that:

    1. a.Sum and Substance enters into a written contract with the subcontractor that contains terms substantially the same as those set out in this Agreement, in particular, in relation to requiring appropriate technical and organisational data security measures;
    2. b.Sum and Substance maintains control over all Personal Data it entrusts to the subcontractor.
  3. 8.2The Parties consider Sum and Substance to control any Personal Data controlled by or in the possession of its subcontractors.
  1. 9.Complaints, data subject requests and third party rights
  2. 9.1Sum and Substance must, at no additional cost, take such technical and organisational measures as may be appropriate, and promptly provide such information to the Customer as the Customer may reasonably require, to enable the Customer to comply with:

    1. a.the rights of Data Subjects under the Data Protection Legislation, including subject access rights, the rights to rectify and erase personal data, object to the processing and automated processing of personal data, and restrict the processing of personal data; and
    2. b.information or assessment notices served on the Customer by any supervisory authority under the Data Protection Legislation.
  3. 9.2Sum and Substance must notify the Customer immediately if it receives any complaint, notice or communication that relates directly or indirectly to the processing of the Personal Data or to either party’s compliance with the Data Protection Legislation;
  4. 9.3Sum and Substance must notify the Customer within 30 working days if it receives a request from a Data Subject for access to their Personal Data or to exercise any of their related rights under the Data Protection Legislation;
  5. 9.4Sum and Substance will give the Customer its full cooperation and assistance in responding to any complaint, notice, communication or Data Subject request;
  6. 9.5Sum and Substance must not disclose the Personal Data to any Data Subject or to a third party other than at the Customer’s request or instruction, as provided for in this Agreement or as required by law.
  1. 10.Term and termination
  2. 10.1This Agreement will remain in full force and effect so long as:

    1. a.the Terms and Conditions remain in effect, or
    2. b.Sum and Substance retains any Personal Data related to the Terms and Conditions in its possession or control (Term).
  3. 10.2Any provision of this Agreement that expressly or by implication should come into or continue in force on or after termination of the Terms and Conditions in order to protect Personal Data will remain in full force and effect.
  4. 10.3Sum and Substance must notify the Customer within 30 working days if it receives a request from a Data Subject for access to their Personal Data or to exercise any of their related rights under the Data Protection Legislation;
  5. 10.4Sum and Substance will give the Customer its full cooperation and assistance in responding to any complaint, notice, communication or Data Subject request;
  1. 11.Data return and destruction
  2. 11.1At the Customer’s request, Sum and Substance will give the Customer a copy of or access to all or part of the Customer’s Personal Data in its possession or control in the format and on the media reasonably specified by the Customer;
  3. 11.2On termination of the Terms and Conditions for any reason or expiry of the Term, Sum and Substance will securely delete or destroy or, if directed in writing by the Customer, return and not retain, all or any Personal Data related to this Agreement in its possession or control, except for one copy that it may retain and use for 3 (three) years for audit purposes only;
  4. 11.3If any law, regulation, or government or regulatory body requires Sum and Substance to retain any documents or materials that Sum and Substance would otherwise be required to return or destroy, it will notify the Customer in writing of that retention requirement, giving details of the documents or materials that it must retain, the legal basis for retention, and establishing a specific timeline for destruction once the retention requirement ends.
  1. 12.Records
  2. 12.1Sum and Substance will keep detailed, accurate and up-to-date written records regarding any processing of Personal Data it carries out for the Customer, including but not limited to, the access, control and security of the Personal Data, the processing purposes, categories of processing, any transfers of personal data to a third country and related safeguards, and a general description of the technical and organisational security measures referred to in clause 5.1 (Records).
  3. 12.2Sum and Substance will ensure that the Records are sufficient to enable the Customer to verify Sum and Substance’s compliance with its obligations under this Agreement and Sum and Substance will provide the Customer with copies of the Records upon request.
  4. 12.3The Customer and Sum and Substance must review the information listed in Appendix A to this Agreement once a year or earlier subject to mutual consent to confirm its current accuracy and update it when required to reflect current practices.
  1. 13.Audit
  2. 13.1Shall the Customer reasonably believe that a Personal Data Breach occurred or is occurring, or Sum and Substance is in breach of any of its obligations under this Agreement or any Data Protection Legislation, Sum and Substance will give the Customer all reasonable assistance to conduct an audit. The assistance may include:

    1. a.remote electronic access to, and copies of the Records and any other relevant information held at Sum and Substance’s premises or on systems storing Personal Data;
    2. b.access to any of Sum and Substance’s personnel reasonably necessary to provide all explanations and perform the audit effectively; and
    3. с.remote inspection of all Records and the infrastructure, electronic data or systems, facilities, equipment or application software used to store, process or transport Personal Data.
  3. 13.2If a Personal Data Breach occurs or is occurring, or Sum and Substance becomes aware of a breach of any of its obligations under this Agreement or any Data Protection Legislation, Sum and Substance will:

    1. a.promptly conduct its own audit to determine the cause;
    2. b.produce a written report that includes detailed plans to remedy any deficiencies identified by the audit;
    3. c.provide the Customer with a copy of the written audit report; and
    4. d.promptly remedy any deficiencies identified by the audit.
  4. 13.3At least once a year, Sum and Substance will conduct audits of its Personal Data processing practices and the information technology and information security controls for all facilities and systems used in complying with its obligations under this Agreement, including, but not limited to, obtaining a network-level vulnerability assessment performed by a recognised third-party audit firm based on recognised industry best practices;
  5. 13.4Sum and Substance will promptly address any exceptions noted in the audit reports with the development and implementation of a corrective action plan by Sum and Substance’s management.
  1. 14.Warranties
  2. 14.1Sum and Substance warrants and represents that:

    1. a.its employees, subcontractors, agents and any other person or persons accessing Personal Data on its behalf are reliable and trustworthy and have received the required training on the Data Protection Legislation relating to the Personal Data;
    2. b.it and anyone operating on its behalf will process the Personal Data in compliance with the Data Protection Legislation and other laws, enactments, regulations, orders, standards and other similar instruments;
    3. с.it has no reason to believe that the Data Protection Legislation prevents it from providing any of the Terms and Conditionscontracted services; and
    4. d.considering the current technology environment and implementation costs, it will take appropriate technical and organisational measures to prevent the unauthorised or unlawful processing of Personal Data and the accidental loss or destruction of, or damage to, Personal Data, and ensure a level of security appropriate to:

      1. a.the harm that might result from such unauthorised or unlawful processing or accidental loss, destruction or damage;
      2. b.the nature of the Personal Data protected; and
      3. c.comply with all applicable Data Protection Legislation and its information and security policies, including the security measures required in clause 5.1.
  3. 14.2The Customer warrants and represents that Sum and Substance’s expected use of the Personal Data for the Business Purposes and as specifically instructed by the Customer will comply with the Data Protection Legislation.
  1. 15.Notice
  2. 15.1Any notice or other communication given by the Customer to Sum and Substance under or in connection with this Agreement must be in writing and delivered to: [email protected]
  3. 15.2Clause 15.1 does not apply to any proceedings or other documents in any legal action or, where applicable, any arbitration or other method of dispute resolution.

Appendix A

Personal Data Processing Purposes and Details

  • Subject matter of processing:

    KYC/AML procedures, remote identity verification

  • Duration of Processing:

    Term as defined in the Terms and Conditions

  • Nature of Processing:

    Document Check, Face Match/Liveness Check, Databases Check

  • Business Purposes:

    KYC/AML compliance, due diligence & risk management procedures

  • Personal Data Categories:

    Proof of Identity Documents, Proof of Address Documents, Facial Image Data, Contact Details, Banking Details

  • Data Subject Types:

    Applicants as defined in the Terms and Conditions