Terms and Conditions

01 Definitions

• Super Save Protocol, we, us — Super Save Protocol Ltd, registered at 207 Regent Street, London, W1B 3HH, United Kingdom.
• Registry — the SSP anti-duplicate finance registry and its modules for customs, bank finance, collateral, factoring and cheques.
• Member — an institution admitted to the registry under a membership agreement.
• User — an individual authorised by a Member to access the registry.
• Registry Data — records submitted to, generated by or derived from the registry.
• Output — a match score, fraud score, verdict, alert or report produced by the registry.

02 Eligibility and accounts

The registry is available only to institutions. It is not open to consumers or individuals acting in a personal capacity, and there is no self-service registration.

Membership is granted after institutional due diligence, including verification of legal existence, licensing and regulatory standing, and screening against applicable sanctions lists. We may refuse an application without giving reasons.

Members are responsible for:

• the accuracy of the information given during onboarding, and for telling us promptly when it changes;
• provisioning and deprovisioning their own Users, and ensuring role assignments match the authority those individuals hold internally;
• all activity under their Users' credentials, whether or not authorised;
• notifying us at security@supersaveprotocol.com without delay on discovering any unauthorised access.

Credentials are personal. Sharing an account between individuals is a material breach of these terms.

03 What the registry does and does not do

The registry is a decision-support tool. It compares a submitted record against records other Members have already submitted and returns a score, a verdict and the reasons behind them.

It does not make lending decisions. Every decision to advance funds, purchase a receivable, accept collateral or pay against a cheque remains yours. Output is one input into your own credit, risk and compliance process — it does not replace that process, and it is not financial, legal, credit or investment advice.

The registry can only detect a collision with data it holds. A CLEAR verdict means no matching record was found on the registry at that moment; it does not mean no duplicate exists, and it is not a warranty of any kind. This is set out further in the Disclaimer.

04 Member obligations on data

Members must:

• submit Registry Data that is accurate, complete and lawfully obtained;
• hold all rights, consents and lawful bases necessary to submit that data and to have it processed and disclosed to other Members as described in these terms and the Privacy Policy;
• register financing decisions promptly, so other Members see current status — a Member that searches but does not register undermines the registry for everyone;
• use Output only for fraud prevention, credit risk, compliance and internal audit;
• keep Output confidential and not disclose it to a third party except as required by law or regulation, or to their auditors and advisers under equivalent confidentiality.

Members must not use Registry Data to solicit another Member's customers, to price against another Member, to build a competing database, or for any purpose prohibited by the Acceptable Use Policy.

05 Fees and payment

Fees, billing frequency and any volume commitments are set out in the membership agreement or order form. Unless stated otherwise there:

• invoices are payable within 30 days of the invoice date;
• fees are exclusive of taxes, which are added at the applicable rate;
• overdue amounts may attract interest at the statutory rate;
• we may suspend access after 30 days' overdue payment, having given at least 14 days' written notice.

Refund and cancellation terms are in the Refund and Cancellation Policy.

06 Intellectual property

The registry, this website, the software, the matching and scoring methodology, the documentation and all associated trade marks are owned by Super Save Protocol Ltd or its licensors. Membership grants a limited, non-exclusive, non-transferable, revocable right to use the registry for its intended purpose during the term. No other rights are granted, expressly or by implication.

Members retain ownership of the Registry Data they submit, and grant us a worldwide, royalty-free licence to host, process, disclose to other Members and otherwise use it as necessary to operate the registry and meet legal obligations.

We may create aggregated and de-identified statistics from registry activity — for example match rates by instrument type or fraud pattern frequency. Those statistics contain no Member, User or customer identifiers, and we own them.

You must not copy, modify, reverse engineer, decompile, scrape, resell or create derivative works from the registry or the website, except where that restriction is prohibited by law.

07 Availability, changes and support

We aim for high availability and publish targets in the Service Level Agreement, but we do not guarantee uninterrupted or error-free operation. We may suspend access without notice where necessary for security, and with reasonable notice for planned maintenance.

We may change, add or remove features. Where a change materially reduces core functionality we give Members at least 60 days' notice, and a Member may terminate without penalty if the change is materially detrimental to it.

08 Suspension and termination

We may suspend or terminate access immediately where a Member or User:

• materially breaches these terms or the Acceptable Use Policy;
• submits data it has no right to submit, or knowingly submits false data;
• becomes subject to sanctions, loses a licence needed for its activity, or enters insolvency;
• poses a security risk to the registry or other Members.

A Member may terminate in accordance with its membership agreement. On termination, User access ends and we return or delete Registry Data in line with the Data Retention Policy — except that records already registered and audit log entries are retained for their full retention period, because removing them would corrupt the historical record other Members rely on. Members are told this before they submit anything.

Clauses on intellectual property, confidentiality, liability, indemnity and governing law survive termination.

09 Warranties and disclaimers

We warrant that we will provide the registry with reasonable skill and care, and in accordance with applicable law.

Beyond that, and to the fullest extent permitted by law, the service is provided "as is" and "as available". We disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that Output is accurate, complete or will detect every duplicate or fraudulent transaction.

Nothing in these terms excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

10 Limitation of liability

Subject to the paragraph above, and to the fullest extent permitted by law:

• neither party is liable for indirect, incidental, special, punitive or consequential loss, or for loss of profit, revenue, business, goodwill, anticipated savings or data, however arising;
• our total aggregate liability arising out of or in connection with these terms in any 12-month period is limited to the fees paid by the Member to us in the 12 months before the event giving rise to the claim, or the equivalent of USD 25,000 where no fees have been paid;
• we are not liable for any lending, factoring, collateral or payment decision a Member makes, whether or not it relied on Output.

Each Member acknowledges that these limits reflect an agreed allocation of risk, and that the fees would be materially higher without them.

11 Indemnity

Each Member indemnifies Super Save Protocol Ltd against claims, losses and reasonable costs arising from that Member's breach of these terms, its submission of data it had no right to submit, its unlawful or negligent use of Output, or its violation of any applicable law.

12 Confidentiality

Each party will keep the other's confidential information confidential, use it only for the purposes of the agreement, and protect it with at least reasonable care. This does not apply to information that is public through no breach, was already known without obligation, is independently developed, or must be disclosed by law — in which case the disclosing party gives notice where lawful.

13 Force majeure

Neither party is liable for failure or delay caused by events beyond its reasonable control, including natural disaster, war, terrorism, civil unrest, epidemic, industrial action, failure of a telecommunications or hosting provider, cyber-attack, or governmental action. The affected party will notify the other and use reasonable efforts to resume.

14 Governing law and disputes

These terms are governed by the laws of England and Wales. The parties submit to the exclusive jurisdiction of the courts of England and Wales, without prejudice to any mandatory rights a Member has in its own jurisdiction.

Before starting proceedings, the parties will attempt in good faith to resolve the dispute through senior representatives for 30 days. This does not prevent either party seeking urgent injunctive relief.

15 General

Entire agreement. These terms, the policies they reference and any membership agreement form the whole agreement between the parties on this subject.

Assignment. A Member may not assign without our written consent. We may assign to an affiliate or successor in connection with a merger, acquisition or sale of assets.

Severability. If a provision is unenforceable it is modified to the minimum extent needed, or severed, and the rest stands.

No waiver. Failure to enforce a provision is not a waiver of it.

Notices. Legal notices to us go to legal@supersaveprotocol.com and to our registered office. Notices to a Member go to the contact on its membership record.

Changes. We may amend these terms on at least 30 days' notice. Continuing to use the service after the effective date means the amended terms apply.