Terms & Conditions for Peabody Secure Services

Welcome to Peabody Secure. These Terms and Conditions ("Terms") govern your access to and use of the services provided by Peabody Secure ("Peabody Secure," "we," "us," or "our"), including our Know Your Customer (KYC) and Anti-Money Laundering (AML) solutions (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

1. Acceptance of Terms

By accessing or using the Services, you confirm your acceptance of these Terms and agree to comply with them. These Terms apply to all visitors, users, and others who access or use the Services.

2. Services Provided

Peabody Secure provides advanced technology solutions for KYC and AML compliance, including identity verification, sanctions screening, risk scoring, case management, and SAR reporting tools. Our Services are designed to assist financial institutions and fintech companies in meeting their regulatory obligations, but do not constitute legal advice or guarantee absolute compliance. Users remain solely responsible for their own compliance with all applicable laws and regulations.

3. User Responsibilities

You agree to use the Services only for lawful purposes and in accordance with these Terms. You are responsible for:

  • Ensuring the accuracy and legality of all data and information you submit to the Services.
  • Complying with all applicable laws, regulations, and industry standards related to your use of the Services, including data privacy and financial regulations.
  • Maintaining the confidentiality of your account credentials and for all activities that occur under your account.
  • Not using the Services in any way that could damage, disable, overburden, or impair any Peabody Secure server, or the network(s) connected to any Peabody Secure server.

4. Intellectual Property

The Services, including all software, algorithms, documentation, and content, are and will remain the exclusive property of Peabody Secure and its licensors. Our trademarks, trade names, and logos may not be used in connection with any product or service without the prior written consent of Peabody Secure. You are granted a limited, non-exclusive, non-transferable license to use the Services solely for your internal business operations, subject to these Terms.

5. Confidentiality

Both parties agree to keep confidential all non-public information disclosed by one party to the other, whether orally or in writing, that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. This obligation of confidentiality will not apply to information that is publicly available, already known to the recipient, or independently developed by the recipient.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PEABODY SECURE, ITS AFFILIATES INCLUDING MANCHESTER FINANCIAL GROUP, LLC, THEIR DIRECTORS, OFFICERS, MANAGERS, MEMBERS, OWNERS, EMPLOYEES, OR AGENTS ("PEABODY SECURE") BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICES. IN NO EVENT SHALL PEABODY SECURE'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES EXCEED THE TOTAL FEES PAID BY YOU TO PEABODY SECURE FOR THE SERVICES IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

7. Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to these Terms or the Services, including the breach, termination, or validity thereof, shall be settled by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Orlando, Florida. The arbitration shall be conducted by a single arbitrator. There shall be no depositions, and discovery shall be limited to the exchange of relevant documents. The arbitrator's decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. PEABODY SECURE DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

11. Contact Us

If you have any questions about these Terms, please contact us at support@peabodysecure.com.

Last updated: November 8, 2025