Terms of Service
Effective: June 1, 2026
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These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you") and AML Consulting Solutions, Inc. ("AMLCSI," "we," "us," "our"), a Florida corporation. By accessing or using any website, portal, digital platform, form, or online tool operated by AMLCSI (collectively, the "Online Services"), you confirm that you have read, understood, and agree to be bound by these Terms in their entirety.
If you access the Online Services on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. If you do not have such authority, or if you do not agree to these Terms, you must not access or use the Online Services.
These Terms govern your use of our Online Services. If you enter into a separate Service Agreement with AMLCSI for consulting services, that agreement governs the consulting relationship. In the event of a conflict between these Terms and an executed Service Agreement, the Service Agreement shall prevail to the extent of the conflict.
AMLCSI is a regulatory compliance consulting firm specializing in BSA/AML regulations. Our services include compliance program development, risk assessments, training, regulatory consulting, FinCEN registration assistance, and state licensing.
NO ATTORNEY-CLIENT RELATIONSHIP IS CREATED. AMLCSI is not a law firm and does not provide legal advice. Use of the Online Services, submission of information, receipt of deliverables, or communication with AMLCSI personnel does not create an attorney-client relationship. You should consult with a licensed attorney for any legal matter.
AMLCSI does not provide legal, tax, accounting, audit, investment, or financial advisory services. Clients should consult qualified and licensed professionals for those matters.
AMLCSI does not guarantee any specific regulatory outcome, including but not limited to the approval of registrations, licenses, or any regulatory filings. Regulatory compliance is the sole responsibility of the client. AMLCSI provides tools, analyses, and guidance to assist clients in their compliance efforts, but does not assume or substitute for the client's own regulatory obligations.
The Online Services are intended for businesses and professionals. By using the Online Services, you represent that you are at least 18 years of age and have the legal capacity to enter into binding agreements.
Certain areas of the Online Services may require access credentials, tokens, or invitations. You are responsible for maintaining the confidentiality of your access credentials and for all activities that occur under your account or token. You must notify us immediately of any unauthorized use.
AMLCSI reserves the right to deny, suspend, or revoke access to any user or prospect, at any time, in its sole discretion, with or without cause and with or without notice.
By using the Online Services, you agree to:
You acknowledge and agree that AMLCSI relies on the information you provide. All AMLCSI deliverables, analyses, and recommendations are based solely on the information you supply. AMLCSI has no obligation to independently verify the accuracy or completeness of your information, and you assume all responsibility for any consequences arising from incorrect, incomplete, or outdated information.
AMLCSI provides analysis, recommendations, and professional guidance. However, all final business, regulatory, and operational decisions are yours alone. You are responsible for reviewing all deliverables before implementation and for determining their suitability for your specific operations and circumstances.
All Online Services, including their design, source code, functionality, content, training materials, templates, methodologies, regulatory frameworks, assessments, compliance programs, tools, trade names, trademarks, and logos, are and shall remain the exclusive property of AMLCSI or its licensors. These Terms do not transfer any intellectual property rights to you.
Subject to full payment and compliance with these Terms and any applicable Service Agreement, AMLCSI grants the client a non-exclusive, non-transferable license to use final Deliverables solely for the client's internal business and compliance purposes. AMLCSI may revoke or suspend this license upon breach, nonpayment, misuse, or unauthorized distribution.
You may not:
AMLCSI retains all rights, title, and interest in and to its pre-existing materials, templates, methodologies, frameworks, forms, tools, structure, formatting, regulatory analysis methods, and original content, including derivative works based on such materials. Client retains ownership of its own factual information, business records, data, and original content supplied to AMLCSI. No rights are granted except the limited internal-use license expressly stated in these Terms or a Service Agreement.
Violation of this section constitutes a material breach of these Terms and may result in immediate termination of access and legal action.
Each party shall maintain in strict confidence the confidential information of the other party. "Confidential information" includes all business, financial, regulatory, technical, or operational information that is not generally public knowledge. Confidentiality obligations do not apply to information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was legitimately known to the receiving party prior to disclosure; or (c) must be disclosed by operation of law.
AMLCSI may disclose client confidential information to AMLCSI personnel to the extent necessary to perform contracted services, and such individuals shall be bound by equivalent confidentiality obligations.
AMLCSI employs commercially reasonable security measures to protect User Data, including encrypted storage, restricted personnel access, and secure data transmission. However, AMLCSI does not guarantee the absolute security of any data transmission over the Internet or any electronic storage system.
You are responsible for:
AMLCSI may use third-party hosting, email, payment, document, software, and other service providers to operate the Online Services. AMLCSI selects providers that maintain reasonable security practices but is not responsible for the actions or omissions of such third-party providers.
You consent to receive communications from AMLCSI electronically, including emails, portal notifications, SMS messages, and electronic documents. You agree that electronic signatures, checkbox acceptances, portal submissions, emailed confirmations, and digital signatures through third-party services (such as PandaDoc or online notarization platforms) have the same legal effect as handwritten signatures and records.
Electronic communications from AMLCSI are considered received when sent to the email address you provided, regardless of whether you read them. It is your responsibility to keep your contact information current.
Certain Online Services may use automated tools, including intelligent questionnaires, document generation, automated workflows, AI-assisted assessments, or other technologies. Results, documents, or analyses produced by such tools are aids and preliminary drafts, not final products.
All automatically generated content is subject to AMLCSI's professional review, oversight, and validation before being delivered as a final Deliverable. AMLCSI does not warrant the accuracy, completeness, or suitability of content generated by automated tools without such professional review. You should not rely on drafts, partial documents, or preliminary outputs without express confirmation from AMLCSI.
THE ONLINE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." AMLCSI MAKES NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, CONTINUOUS AVAILABILITY, OR ACCURACY.
Without limiting the foregoing, AMLCSI does not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AMLCSI, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, PROFITS, DATA, BUSINESS OPPORTUNITIES, GOODWILL, OR DAMAGES ARISING FROM REGULATORY ACTIONS, SANCTIONS, FINES, OR EXAMINATION FINDINGS IMPOSED BY ANY GOVERNMENTAL AGENCY.
IN NO EVENT SHALL AMLCSI'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS RELATED TO THESE TERMS OR THE ONLINE SERVICES EXCEED THE GREATER OF: (A) THE FEES PAID BY YOU TO AMLCSI DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS (US $100.00).
The foregoing limitations apply regardless of the legal theory under which liability is sought (contract, tort, negligence, strict liability, or otherwise), even if AMLCSI has been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless AMLCSI, its directors, officers, employees, agents, and affiliates from and against all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Online Services; (b) your breach of these Terms; (c) inaccurate, incomplete, or misleading information provided by you; (d) financial transactions conducted by your business; (e) any violation of applicable laws or regulations by you or your business; or (f) third-party claims arising from your business operations.
This indemnification obligation survives termination of these Terms and any Service Agreement.
Specific payment terms for consulting services are set forth in your Service Agreement. Invoices are payable upon receipt unless otherwise agreed in writing. Late payments shall accrue interest at the rate of one and one-half percent (1.5%) per month, or the maximum rate permitted by law, whichever is less.
Unless otherwise stated in a Service Agreement or written proposal, fees paid to AMLCSI are non-refundable once work has begun, access to the Online Services has been provided, or digital materials have been delivered.
AMLCSI reserves the right to suspend or terminate services and access to the Online Services for overdue invoices. Client shall be responsible for all collection costs, including reasonable attorneys' fees. Any and all taxes, except income taxes of AMLCSI, imposed or assessed by reason of these Terms or the services, shall be paid by the client.
AMLCSI may suspend or terminate your access to the Online Services at any time, with or without cause, and with or without notice. Without limiting the foregoing, AMLCSI may terminate access immediately if: (a) you breach any provision of these Terms; (b) you provide false or misleading information; (c) AMLCSI determines, in its sole discretion, that continuing the relationship presents a legal, regulatory, or reputational risk; or (d) you have outstanding unpaid invoices.
Upon termination, you must cease all use of the Online Services immediately. The sections regarding intellectual property, confidentiality, disclaimer of warranties, limitation of liability, indemnification, governing law, and dispute resolution survive termination.
During the term of any Service Agreement and for a period of twelve (12) months following its termination, neither party shall solicit or offer employment to the other party's employees or staff engaged in the delivery of services, except with the prior written consent of the other party.
You represent and warrant that neither you nor your business is subject to sanctions administered by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury, or by any other applicable sanctioning authority, or otherwise prohibited from using the Online Services.
You may not use the Online Services to facilitate unlawful transactions, evasion of sanctions, fraud, money laundering, terrorist financing, or any other illegal activity. Violation of this section shall result in immediate termination and may be reported to the appropriate authorities.
If you provide AMLCSI with ideas, comments, feature suggestions or improvements, bug reports, or other feedback relating to the Online Services ("Feedback"), you grant AMLCSI a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, modify, incorporate, publish, and exploit such Feedback without restriction or obligation of compensation to you.
AMLCSI reserves the right to modify these Terms at any time. Changes become effective when posted to the Online Services with an updated effective date. Material changes will be communicated via email or portal notification. Your continued use of the Online Services after the effective date of changes constitutes acceptance of the modified Terms.
These Terms are governed by the laws of the State of Florida, United States, without giving effect to conflict of laws principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Online Services shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida. You irrevocably consent to the personal jurisdiction and exclusive venue of such courts and waive any objection based on inconvenient forum.
THE PREVAILING PARTY IN ANY LEGAL ACTION OR PROCEEDING ARISING OUT OF THESE TERMS SHALL BE ENTITLED TO RECOVER ITS REASONABLE ATTORNEYS' FEES AND COSTS FROM THE NON-PREVAILING PARTY.
CLASS ACTION WAIVER: YOU AGREE THAT ANY CLAIM OR DISPUTE MUST BE BROUGHT ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION AGAINST AMLCSI.
Notwithstanding the foregoing, AMLCSI may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, or other proprietary rights.
AMLCSI shall not be liable for any delay or failure to perform its obligations caused by events beyond its reasonable control, including but not limited to natural disasters, pandemics, governmental actions, labor disputes, third-party service disruptions, telecommunications failures, or cyberattacks.
If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any applicable Service Agreement, constitute the entire agreement between you and AMLCSI with respect to the Online Services. No oral or written statement, representation, or agreement not expressly set forth in these documents shall bind the parties.
For questions regarding these Terms:
AML Consulting Solutions, Inc.
2000 Ponce de Leon Blvd, Suite 600
Coral Gables, FL 33134
info@amlcsi.com