Terms of Service

1. Agreement

These terms form an agreement between Kybex and the organisation whose account is used to access the platform at kybex.io. By creating an account or opening a share, you accept them on behalf of that organisation and confirm you are authorised to do so.

2. The service

Kybex lets a business store company documents and structured data in a vault, and share selected parts of that vault with institutions. Institutions receive shares in an inbox and may integrate them through our widget or API.

We may change, add or remove features as the product develops. We will not materially reduce core vault or sharing functionality without notice to account holders.

3. Accounts

Access is by email sign-in. You are responsible for the security of the mailbox you use and for the activity of anyone you allow to use your account. Tell us promptly at security@kybex.io if you believe an account has been compromised.

An institution's account may be created automatically the first time it opens a share addressed to it. Continued use of that inbox constitutes acceptance of these terms.

4. Your content and your responsibility

You keep all rights in the documents and data you upload. You grant Kybex a limited licence to store, process, hash, version, display and transmit that content strictly to provide the service, including sending it to the institutions you select.

You are responsible for the accuracy, completeness and lawfulness of what you upload, and for having the right to share information about individuals named in your records.

5. No verification

Kybex does not verify, certify or attest that any data or document is true, valid, current or sufficient for any purpose, and does not carry out registry checks, KYB or KYC. Institutions remain fully responsible for their own review, due diligence and regulatory obligations.

What Kybex does attest to is provenance: that a specific file was supplied by a specific business account and has not been altered since a recorded date, and that a given share contained a given set of items at a given time.

6. Acceptable use

Do not upload malware, content you have no right to, or material that is unlawful. Do not attempt to access another organisation's vault, probe or disrupt the platform, or misuse share links or API credentials. We may suspend an account that puts the platform or other users at risk.

7. Institution obligations

An institution receiving a share may use the shared content only for the assessment or relationship it was shared for, must keep it secure, and must retain or delete it in line with its own legal obligations. Onward disclosure to unrelated third parties is not permitted.

8. Fees

Business accounts include a free tier with a monthly share allowance; paid tiers add unlimited shares and further features as described on the pricing page at the time of purchase. Features marked there as coming are not yet available and are not charged for. Early institution pilots may be free or discounted. Fees, where they apply, are those presented at the time of purchase and are exclusive of taxes.

9. Availability

We aim for high availability but the service is provided without an uptime commitment during this early phase. We may carry out maintenance that briefly interrupts access.

10. Disclaimers and liability

The service is provided on an as-is basis, without warranties of any kind to the fullest extent permitted by law. Kybex is not liable for any decision an institution makes, or declines to make, on the basis of shared information.

To the maximum extent permitted by law, neither party is liable for indirect, incidental or consequential loss, and Kybex's total liability arising from the service is limited to the greater of the fees you paid in the twelve months before the claim, or one hundred United States dollars.

11. Suspension and termination

You may stop using Kybex and ask us to close your account at any time. We may suspend or terminate access for breach of these terms, for non-payment, or where required by law. On closure we will make your vault contents available for export for a reasonable period, after which they may be deleted; chain-of-custody records are retained as described in the Privacy Policy.

12. Changes, governing law and contact

We may update these terms; material changes will be posted here and notified to account holders. Continued use after a change means acceptance. These terms are governed by the laws of the jurisdiction in which Kybex is established, and disputes will be handled by its competent courts. Questions: legal@kybex.io.