Last updated: 2026-09-30
Terms of Service
These Terms of Service govern your access to and use of the OilFlow Network platform and your purchase of its products. By accessing or using the platform, or by ordering a product, you agree to be bound by these terms. If you do not agree, do not use the platform.
The opening paragraph and Sections 1 to 5, 8 to 12 and 14 to 16 were rewritten on 2026-09-30 to describe the two products sold today. An order placed on or after that date, including by an existing account holder, is governed by these terms as of the order date. For existing account holders the rewritten sections otherwise take effect on 2026-11-15, at least thirty days after notice under Section 17. This text was drafted with AI assistance and is marked DRAFT for review by independent legal counsel.
1. What OilFlow Is
OilFlow Network sells counterparty screening and sanctions-compliance software. Today that is two products, each run on one named counterparty: the Counterparty Screen, a machine run with no human read, and the Counterparty File, the same run with a named human's written judgement and signature. The prices, what each product includes, and what neither includes are published at /pricing.
OilFlow Network does not introduce counterparties to one another and does not act as a broker, agent, dealer, counterparty, or intermediary in any transaction. OilFlow Network does not negotiate, execute, guarantee, or participate in any transaction between its customers and third parties.
2. No Advice Disclaimer
Screening results, verdicts, regulatory guidance, and other content provided through the platform or in a deliverable are decision support for general informational purposes only. They are not legal advice, investment advice, a regulatory KYC determination, or a recommendation to enter into or refrain from any transaction. Every AI-drafted section of a deliverable is marked DRAFT for review by independent legal counsel. Users are solely responsible for their own onboarding and commercial decisions.
3. No Guarantee
OilFlow Network does not guarantee that any screening result is complete or free of error, that a counterparty reported clear is in fact legitimate, or any particular commercial outcome. A Screen or File reports what its sources returned on the day it ran, with each step marked found, clear, pending, or not measured. PEP screening and an adverse-media sweep are not included in either product, and every deliverable and invoice says so.
4. Fees, Ordering, Delivery and Refunds
Both products are one-off purchases, paid before delivery. There is no subscription. A marketplace listing, where one is offered, sells the product named on that listing and is paid there. An order is placed by emailing the counterparty name to hello@oilflow.us with the product in the subject; an invoice comes back by reply. Where /pricing offers it, the Counterparty Screen can instead be paid by card on a hosted checkout run by a third-party payment platform, which asks for the counterparty name. That platform’s terms govern the card payment, and its receipt stands in for the invoice. A card payment on that checkout is an order with OilFlow Network under these terms, not a marketplace order. The price is the one published at /pricing on the day of the order; a price not in that table is not quoted. Fees cover the product delivered and are not brokerage commissions, finder’s fees, or transaction-contingent charges. Any tax a buyer owes under its local law on the purchase is the buyer’s to account for.
Delivery. The Counterparty Screen is delivered within the hour of payment landing. The Counterparty File is delivered by the end of the third business day after payment lands.
Refunds. If the Counterparty File is not in your inbox by the end of the third business day after payment lands, the fee is refunded in full. The Counterparty Screen is machine output delivered within the hour and carries no money-back term for late delivery or for its content; a Screen that cannot be delivered at all is refunded in full. Refunds are returned by the rail the payment arrived on. Orders placed through a marketplace listing follow that marketplace’s own refund process. The full policy is at /refund. These are billing terms only; they do not warrant the accuracy of any screening result or verdict, which remain decision support and not a regulatory determination, as described in Sections 2, 3, and 10.
Everything else. API access, bank and insurer rollouts, and any other engagement are scoped on a call and priced in writing before work starts. They are not sold under these standard terms without a signed agreement, and a signed agreement prevails over these terms where the two conflict.
5. Independent Parties
Users acknowledge that they are independent commercial entities acting on their own behalf. No agency, partnership, joint venture, or employment relationship is created between OilFlow Network and any user by the purchase of a product or the use of the platform.
6. Limitation of Liability
To the maximum extent permitted by applicable law, OilFlow Network's total liability for any claim arising out of or relating to these terms shall not exceed the total fees paid by the claimant to OilFlow Network in the twelve (12) months preceding the claim. OilFlow Network shall not be liable for any indirect, incidental, special, consequential, or punitive damages.
7. User Obligations
As a condition of using the platform, each user agrees to:
- Provide accurate, current, and complete information during registration and throughout the use of the platform, and promptly update any information that changes.
- Comply with all applicable laws, regulations, and sanctions regimes, including but not limited to OFAC, UN, EU, and UK sanctions lists.
- Not use the platform for any illegal, fraudulent, or unauthorized purpose, including any activity that would violate anti-money laundering or counter-terrorism financing regulations.
- Maintain the confidentiality of account credentials and accept responsibility for all activity under the user's account.
8. Sanctions Compliance Warranty
Each user represents and warrants that:
- Neither the user, nor any of its directors, officers, beneficial owners, or affiliates is designated on the OFAC Specially Designated Nationals (SDN) list, OFAC Sectoral Sanctions Identifications (SSI) list, UN Security Council Consolidated List, EU Consolidated Financial Sanctions List, UK HM Treasury Sanctions List, Canadian SEMA list, Australian DFAT list, Swiss SECO list, or any other applicable sanctions list.
- The user is not acting directly or indirectly on behalf of, or for the benefit of, any sanctioned person, entity, or jurisdiction.
- The user will immediately notify OilFlow Network if their sanctions status changes or if they become aware of any potential sanctions exposure related to any counterparty screened through the platform.
Breach of this warranty constitutes grounds for immediate termination without notice and referral to the relevant authorities. OilFlow Network reserves the right to decline orders and applications from sanctioned jurisdictions.
9. Prohibited Uses
Users shall not use the platform, directly or indirectly, for:
- Sanctions evasion, circumvention, or facilitation of transactions involving sanctioned persons, entities, or jurisdictions.
- Money laundering, trade-based money laundering, or the concealment of the proceeds of crime, including through mispricing, over- or under-invoicing, or fictitious trade documentation.
- Terrorism financing, proliferation financing, or any activity prohibited under applicable counter-terrorism laws.
- Tax evasion, fraudulent misrepresentation of trade documentation, or any other illegal purpose.
OilFlow Network monitors usage patterns and reserves the right to report suspicious activity to relevant authorities, suspend accounts, and cooperate with law enforcement investigations.
10. Verification & Compliance
OilFlow Network screens the counterparties named in an order, and may screen its own customers, against sanctions lists and its fraud-cluster records as part of delivering the product and protecting the platform. These procedures are designed to support platform integrity and regulatory compliance.
However, the completion of verification does not constitute a guarantee, representation, or warranty regarding any party's reliability, creditworthiness, financial standing, legal status, or fitness as a counterparty.
Users must not rely on OilFlow Network's verification as a substitute for their own due diligence. Each user is solely responsible for independently assessing the suitability, risk, and legitimacy of any counterparty or transaction. OilFlow Network accepts no liability for losses arising from reliance on platform verification.
11. Data Accuracy Disclaimer
Sanctions list data, regulatory guidance, company registry records, digital-footprint findings, and all other data displayed on the platform or in a deliverable are sourced from third-party providers and publicly available information. This data may be delayed, inaccurate, incomplete, or subject to revision without notice. OilFlow Network does not warrant the accuracy, completeness, timeliness, or reliability of any data provided. Users should independently verify all data before making commercial decisions.
12. Indemnification
Each user agrees to indemnify, defend, and hold harmless OilFlow Network, its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) the user's use of the platform; (b) any transaction between the user and any counterparty the user screened through the platform; (c) the user's breach of these Terms of Service; (d) the user's violation of any applicable law, regulation, or sanctions regime; or (e) any dispute between the user and a counterparty. This indemnification survives termination of the user's account.
13. Force Majeure
OilFlow Network shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to: changes to sanctions lists or regulations, government actions, embargoes, trade restrictions, acts of war or terrorism, natural disasters, pandemics, internet or telecommunications failures, third-party API outages, cyberattacks, or disruptions to banking, payment, or financial systems. During any force majeure event, OilFlow Network's obligations shall be suspended for the duration of the event.
14. Intellectual Property
All content, features, and functionality of the platform ( including but not limited to screening reports, verdict logic, data analytics, software, text, graphics, logos, and design) are the exclusive property of OilFlow Network or its licensors and are protected by applicable intellectual property laws. Users may not reproduce, distribute, modify, create derivative works of, or otherwise exploit any platform content without prior written consent.
15. Termination
Either party may end the customer relationship at any time by providing written notice. Upon termination, the user's access to any account is revoked. Orders already paid for are delivered or refunded under Section 4, except where sanctions law prohibits delivery or refund, in which case the fee is held or blocked as that law requires.
OilFlow Network reserves the right to suspend or terminate a user's account immediately, without prior notice, if the user violates these Terms of Service, fails to pass ongoing compliance checks, engages in conduct that is harmful to other users or the platform, or if continued access would expose the platform to legal or regulatory risk.
16. Governing Law & Dispute Resolution
These terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.
Any dispute, controversy, or claim arising out of or relating to these Terms of Service, or the breach, termination, or invalidity thereof, shall be finally settled by arbitration under the rules of the London Court of International Arbitration (LCIA). The number of arbitrators shall be one. The seat of arbitration shall be London, England. The language of arbitration shall be English.
Class Action Waiver: All disputes must be brought in an individual capacity and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. Users waive any right to participate in class actions or class-wide arbitration.
17. Modifications
OilFlow Network reserves the right to update or modify these Terms of Service at any time. Users will be notified of material changes via email or platform notification at least thirty (30) days prior to the changes taking effect. Continued use of the platform after the effective date of any modification constitutes acceptance of the revised terms.
18. Data Rights for Compliance-Tech Surfaces
The tier clauses in 5A below describe products retired on 2026-09-14; no subscription is sold today (Section 4). They apply only to an account that held such a subscription before that date. Clause numbering is preserved because deliverables and the API reference cite it.
Effective 2026-07-08 · Applies to SKU #3 Cluster Intelligence Feed, SKU #5 Pre-Deal Copilot, and SKU #6 Defense Ledger surfaces.
§ 3A. Customer-Contributed Cluster Intelligence (SKU #3)
(a) Submission grant. If you submit any information through the OilFlow cluster contribution interface (including but not limited to POST /api/v1/clusters/submit, the public form at /clusters/submit, the operator-supported trust@oilflow.us mailbox, or any successor interface) regarding a counterparty pitch, broker network, intermediary, document, communication, or pattern of conduct you believe may constitute fraud, impersonation, sanctions evasion, or related misconduct (collectively, "Submitted Cluster Intelligence"), you grant OilFlow Network a perpetual, irrevocable, worldwide, royalty-free, exclusive license to investigate, verify, supplement, publish, sell, and otherwise exploit such Submitted Cluster Intelligence in any form OilFlow elects, including as part of the Scam Cluster Intelligence Feed and any downstream OilFlow products.
(b) Provenance attribution. OilFlow's named investigators are the only persons publicly attributed to verified cluster records. Submitters are not publicly named in any cluster record. This attribution model protects submitters from retaliation and ensures chain-of-custody belongs to a person who can defend the record under audit or in court.
(c) No counter-license. You agree not to license the same Submitted Cluster Intelligence to any third party competing with OilFlow's Scam Cluster Intelligence Feed. This restriction does not prevent you from making lawful disclosures to regulators, law enforcement, internal compliance teams, courts, or your own legal counsel, nor from sharing the underlying facts with affected counterparties as part of your ordinary risk-management workflow.
(d) Good-faith standard. You represent that the Submitted Cluster Intelligence is, to the best of your knowledge after reasonable due diligence, accurate and submitted in good faith. Knowingly false submissions are a material breach and may result in termination of your subscription and recovery of OilFlow's investigation costs.
§ 5A. Outcome Telemetry License (SKU #5)
(a) Solo + Desk tiers. If you are subscribed to the Pre-Deal Copilot Solo or Desk tier, you grant OilFlow a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use the structured outcome telemetry produced by your Pre-Deal verdicts (verdict tier, clearance probability, blockers, restructure suggestions, daemon-back-filled outcome markers, and the anonymized features of the underlying deal payload) in aggregated form for: (i) calibrating the Pre-Deal Copilot verdict engine, (ii) producing the OilFlow Corpus Metrics Report (SKU #7), and (iii) generating cross-customer counterparty pulse briefs.
(b) Bank Enterprise tier. If you are subscribed to the Pre-Deal Copilot Bank Enterprise tier, your Pre-Deal verdicts are written to the OilFlow decision ledger with data_class='private' by default. Your rows are visible only to your account for personal-history and defense-pack generation, and are excluded from the cross-customer aggregations described in § 5A(a). You may opt in to aggregable tiering on a per-deal basis by setting the X-OilFlow-Data-Class: aggregable request header.
(c) Per-deal override. Any customer may mark an individual deal as private by setting the X-OilFlow-Data-Class: private request header. Private deals are excluded from cross-customer aggregations regardless of subscription tier.
(d) No raw resale. OilFlow will not resell, distribute, or otherwise share the raw, un-aggregated form of any customer's deal payload to any third party except (i) as required by applicable law, regulation, subpoena, or court order; or (ii) with the customer's prior written consent.
§ 6A. MLRO Defense-Pack Attestation Binding (SKU #6)
By signing a Defense Pack via POST /api/v1/defense/[request_id]/sign, you (the named MLRO or Compliance Officer) attest under the regulatory regime applicable to your role (including, where applicable, the FCA Senior Managers and Certification Regime and the Monetary Authority of Singapore individual-accountability regime) that you have reviewed the evidence pack and the narrative and that the decision basis is supported by the underlying primitive checks. Your attestation is timestamped, bound to a SHA-256 cryptographic hash over the canonical signoff payload, and immutable. Subsequent modifications to the evidence pack, narrative, decision basis, or attestation will break the cryptographic binding and are independently verifiable via GET /api/v1/defense/[request_id]/verify. The published canonicalization algorithm is documented at /products/defense-ledger/verification. Rescissions are tracked separately and do not alter the original cryptographic binding.
Contact
Questions about these Terms of Service may be directed to legal@oilflow.us.