Terms of Use

These Terms of Use ("Terms") constitute a legally binding agreement between you and Ashta Limited Company ("Ashta," "we," "us," or "our") governing your access to and use of the Compliance Desk platform, websites, and related services (collectively, the "Services").

By creating an account, accessing, or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the Services.

Compliance Desk is a software-as-a-service (SaaS) platform that enables licensed mortgage agents, insurance agents, and other professionals to perform client identity verification, Know Your Customer (KYC), Anti-Money Laundering (AML), and credit checks.

Important: Ashta is a technology service provider only. We are not a regulated financial institution, broker-dealer, investment adviser, or compliance consultant. The Services are tools to assist you in your compliance obligations, but you remain solely responsible for your regulatory compliance.

To use the Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Provide accurate and complete registration information
• Not be prohibited from using the Services under applicable law

While a professional license is not mandatory to create an account, the Services are designed for licensed financial professionals operating in regulated environments.

To access the Services, you must create an account and complete our onboarding process, which may include identity verification and admin approval.

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Keeping your account information accurate and up to date

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently.

When you use the Services to verify your clients, you may upload or input personal information about those clients ("Client Data"). You acknowledge and agree that:

• You are the data controller for Client Data and are responsible for obtaining all necessary consents and authorizations
• You have the legal right to collect and process the Client Data
• You will use the Services and Client Data only for lawful purposes
• You will comply with all applicable privacy and data protection laws

Client Data remains your property. We process Client Data as a data processor on your behalf, in accordance with our Privacy Policy.

The Services may include features that use artificial intelligence or machine learning to assist with workflow-related functions, such as AI-assisted failure resolution.

You acknowledge and agree that:

• AI-assisted systems generate probabilistic outputs and may produce inaccurate, incomplete, or misleading results
• You are solely responsible for reviewing, validating, and approving all outputs before relying on them
• AI outputs do not constitute legal, financial, or regulatory advice
• Client Data is not used to train generalized or cross-customer AI models

The Services are provided on a pay-as-you-go basis. Current pricing is available on our FAQ page and within the Platform.

Payment terms:

• Fees are charged upfront when you initiate a verification
• All fees are non-refundable except where a verification fails due to a technical error on our end
• Prices are in CAD for Canadian users and USD for US users
• You authorize us to charge your saved payment method for all fees
• We may change pricing with 30 days notice

Free Trial: New accounts receive 10 free verifications or 30 days, whichever comes first. This offer is applicable for first 20 users only. We reserve the right to change or cancel this offer at any time.

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party rights
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any systems or data
• Interfere with the security, integrity, or performance of the Services
• Introduce malicious code, viruses, or other harmful materials
• Use the Services for money laundering, terrorist financing, or other illegal purposes
• Resell, sublicense, or redistribute access to the Services without authorization
• Misrepresent your identity or authority

We reserve the right to monitor use of the Services and to suspend or terminate access for violations of these Terms.

The Services integrate with third-party providers for identity verification, credit verification, payment processing, and other functionality.

Your use of these third-party services is subject to their respective terms and privacy policies. Ashta does not control and is not responsible for third-party systems, content, availability, or privacy practices.

The Services, including all content, features, and functionality, are owned by Ashta and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Services for their intended purpose.

You may not:

• Copy, modify, or create derivative works of the Services
• Reverse engineer, decompile, or disassemble any part of the Services
• Remove any proprietary notices or labels
• Use our trademarks without prior written consent

Each party agrees to maintain the confidentiality of the other party's confidential information and to use such information only for purposes of performing under these Terms. Confidential information does not include information that is publicly available or independently developed.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

To the fullest extent permitted by law, Ashta disclaims all warranties, including:

• Merchantability and fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of any content
• Uninterrupted or error-free operation
• Security or freedom from viruses or harmful components

Verification results from third-party providers are provided as-is. Ashta does not guarantee the accuracy of third-party verification results.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASHTA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES.

This includes, but is not limited to:

• Lost profits or revenues
• Loss of data
• Business interruption
• Reputational harm
• Regulatory penalties or fines
• Any losses arising from reliance on verification results

Our total liability for any claim arising from these Terms or the Services shall not exceed ONE HUNDRED U.S. DOLLARS (USD $100).

If you have a written agreement with Ashta, the liability provisions of that agreement shall control.

You agree to indemnify, defend, and hold harmless Ashta and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any third-party rights
• Your processing of Client Data
• Any regulatory action or investigation relating to your activities

By You: You may terminate your account at any time by contacting support@ashta.ai. Upon termination, you will retain access to download your data for a limited period.

By Ashta: We may suspend or terminate your access if:

• You violate these Terms
• We reasonably believe your account is being used fraudulently
• Required by law or regulatory authority
• Necessary to protect the security or integrity of the Services

Upon termination, your right to access the Services will immediately cease. Provisions that by their nature should survive termination will survive, including indemnification, limitation of liability, and dispute resolution.

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to conflict-of-law principles.

Binding Arbitration: Any dispute arising from these Terms or the Services shall be resolved by binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services) in accordance with its Comprehensive Arbitration Rules and Procedures.

• Location: New York, New York
• Arbitrator: Single arbitrator
• Language: English

Class Action Waiver: You agree that any arbitration or proceeding shall be limited to the dispute between you and Ashta individually. You waive any right to participate in a class action or class-wide arbitration.

Exception: Either party may seek injunctive or equitable relief in a court of competent jurisdiction for violations of intellectual property rights or confidentiality obligations.

We may modify these Terms at any time. If we make material changes, we will notify you by email or by posting a notice on the Platform at least 30 days before the changes take effect.

Your continued use of the Services after the effective date constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Services.

Entire Agreement: These Terms, together with the Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Ashta.

Severability: If any provision is found unenforceable, the remaining provisions will continue in effect.

Waiver: Failure to enforce any provision does not constitute a waiver of that provision.

Assignment: You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Notices: We may send notices to the email address associated with your account. You may send notices to support@ashta.ai.

If you have questions about these Terms, please contact us: