Terms of service

These Terms of Service (hereinafter "Terms") define the terms and conditions of use of the YARDA website and the YARDA SaaS platform (hereinafter "the Platform"), published by YARDA AI, a limited liability company (SARL) under Ivorian law, registered with the Trade and Personal Property Credit Registry (RCCM) of Abidjan, with its registered office in Abidjan, Côte d’Ivoire (hereinafter "YARDA AI", "we", "our"). Access to and use of the Platform implies full and unreserved acceptance of these Terms. If you do not accept these terms, you must not use the Platform.

Site publisher: YARDA AI SARL Legal form: Limited Liability Company (SARL) Registered office: Abidjan, Côte d’Ivoire Contact: website form ("Request a demo" section) Publication director: The co-founders of YARDA AI Host: Vercel Inc. 440 N Barranca Ave #4133 Covina, CA 91723, United States https://vercel.com

YARDA AI provides a SaaS (Software as a Service) platform for fraud detection and regulatory compliance for money transfer operators (MTOs) and mobile money operators (MMOs), primarily in West Africa. Services include: • A risk scoring engine based on a progressive AI pipeline (anomaly detection, then supervised classification) • Analysis of the links between parties and of the networks they form, shown in the console • A console to monitor transactions and work through alerts • A REST API for integration with clients’ existing systems • An explanation of every alert, usable for internal controls and audits • Retraining of the AI models on the cases labelled by the client, after validation Access to the SaaS Platform (client console) is reserved for clients with an active subscription and is governed by a separate service agreement.

The YARDA website is freely accessible to any user with Internet access. Internet access and equipment costs are your responsibility. YARDA AI uses all reasonable means to ensure quality access to the site but is not bound by any obligation of result. Access to the site may be interrupted at any time for maintenance, updates, or any other reason, without giving rise to any compensation. We reserve the right to modify, suspend, or discontinue all or part of the site at any time, without notice.

All elements of the site and the YARDA Platform (texts, images, logos, trademarks, software, algorithms, AI models, databases, technical architecture) are protected by Ivorian and international intellectual property laws, including: • Ivorian copyright and related rights law • The revised Bangui Agreement on intellectual property (OAPI) • Applicable international conventions The YARDA trademark, the YARDA AI logo, and all associated distinctive signs are the exclusive property of YARDA AI SARL. Any reproduction, representation, modification, publication, distribution, or exploitation of all or part of these elements, without prior written authorization from YARDA AI, is strictly prohibited and constitutes infringement punishable by law.

The site offers a contact form allowing visitors to request a demonstration or ask questions about our services. By using this form, you agree to: • Provide accurate and up-to-date information • Not transmit unlawful, defamatory, abusive, or public order-violating content • Not use the form for unsolicited commercial prospecting (spam) Data submitted through the contact form is processed in accordance with our Privacy Policy.

a) Limitation of liability: YARDA AI strives to provide accurate and up-to-date information on its website. However, we cannot guarantee the accuracy, completeness, or currency of all information presented. Information provided on the site is for informational purposes only and does not constitute professional advice. b) External links: The site may contain links to third-party websites. YARDA AI exercises no control over these sites and disclaims all responsibility for their content, privacy practices, or availability. c) SaaS Platform: Liability conditions relating to the use of the YARDA SaaS Platform are defined in the service agreement concluded with each client. Under no circumstances shall YARDA AI be held liable for decisions made by operators based on scores and alerts generated by the Platform. Risk scores and automatic decisions constitute decision-support tools and do not replace human judgment. d) Force majeure: YARDA AI shall not be held liable for any failure to fulfill its obligations resulting from force majeure as defined by Ivorian law, including but not limited to: natural disasters, Internet infrastructure failures, acts of war, government decisions.

The collection and processing of personal data carried out in connection with the use of the site and Platform are governed by our Privacy Policy, available from the website footer ("Privacy Policy") This privacy policy forms an integral part of these Terms. In accordance with Law No. 2013-450 of June 19, 2013 on the protection of personal data in Côte d’Ivoire, you have specific rights over your data, detailed in our Privacy Policy.

YARDA AI operates in compliance with applicable regulations regarding: • Anti-money laundering and counter-terrorism financing (AML/CFT), in accordance with BCEAO and UEMOA directives • Personal data protection, in accordance with Law No. 2013-450 of June 19, 2013 • Regulation of digital financial services in Côte d’Ivoire and the UEMOA zone • Financial Action Task Force (FATF) recommendations Our clients remain solely responsible for their own regulatory compliance. YARDA AI provides compliance support tools but does not substitute for the legal and regulatory obligations incumbent on each operator.

YARDA AI reserves the right to modify these Terms at any time. Modifications take effect upon publication on the site. The current version is the one published on this page. It is your responsibility to regularly review the Terms. Continued use of the site after modification of the Terms constitutes acceptance of the new conditions.

These Terms are governed by Ivorian law. In the event of a dispute relating to the interpretation or performance of these Terms, the parties undertake to seek an amicable solution before any legal action. Failing amicable agreement within 30 days, any dispute shall be submitted to the exclusive jurisdiction of the courts of Abidjan, Côte d’Ivoire, unless otherwise provided by law. For disputes involving consumers residing in the UEMOA zone, the territorial jurisdiction rules of OHADA law apply.

For any questions regarding these Terms: YARDA AI SARL Registered office: Abidjan, Côte d’Ivoire Contact: website form ("Request a demo" section)