Terms and Conditions
These Terms and Conditions constitute a binding legal agreement between you and Aethon Credit Intelligence. By accessing or using the Platform in any manner, you unconditionally accept these Terms. ACI is a quantitative analytics platform. These Terms describe a computation service relationship — not an advisory relationship.
1. Defined terms
2. Acceptance and entire agreement
These Terms, together with the Privacy Policy, Acceptable Use Policy, Disclaimer, Cookie Policy, Conflicts of Interest Policy, and any separately executed Enterprise Services Agreement, constitute the complete legal framework governing the relationship between User and Company.
By accessing the Platform in any manner — including browsing, registering, activating a subscription, consuming the API, or accessing any output — the User unconditionally accepts and agrees to be bound by this framework in its then-current version. Continued use following publication of amended Terms constitutes acceptance of the amended version.
3. Platform classification and scope of services
The Platform provides deterministic, rule-based quantitative risk metrics across 8 scoring modules covering BTC collateral lending, treasury preferred shares, CeFi and DeFi stablecoins, infrastructure, market-neutral strategies, venture, tokenised real-world assets, and volatility. It also provides scenario computation, provider intelligence dashboards, API access, and published methodology documentation.
The Platform does not execute transactions, provide custody, act as a financial intermediary, issue financial instruments, or provide regulated financial services of any kind. ACI is a quantitative analytics and computation platform — structurally and legally distinct from investment advisers, credit rating agencies, and regulated financial intermediaries.
4. Nature of outputs — analytical information
All ACI Risk Indicators are quantitative analytics produced by a deterministic computational framework applied to publicly available data and user-defined inputs. No output constitutes investment advice, a credit rating, a suitability assessment, or any regulated financial service.
No fiduciary duty, advisory duty, or duty of care is created between the Company and any User. ACI outputs are designed to be a defensible quantitative input into institutional decision-making — not a substitute for independent professional judgement.
5. User eligibility
Users must be professional or institutional, have legal capacity to contract, and not be subject to applicable sanctions (OFAC, UN, EU, UK OFSI). Users must provide accurate information at registration and maintain its accuracy throughout.
6. Intellectual property
The ACI Framework, scoring methodology, software, databases, and all Platform content are the intellectual property of the Company. Users receive a limited, non-exclusive, non-transferable licence for internal analytical use. Redistribution or commercial exploitation requires prior written consent or a separately executed Enterprise Services Agreement.
7. Subscription and billing
Subscription fees are invoiced in advance. Annual billing provides a 10% discount. Payment is due NET-30 (NET-45 for Enterprise where agreed). Cancellation takes effect at end of the current billing period.
8. Limitation of liability
The Company's aggregate liability shall not exceed total fees paid in the 12 months preceding the event giving rise to the claim. Indirect, consequential, or incidental losses are excluded to the maximum extent permitted by Applicable Law. Nothing limits liability for death or personal injury caused by negligence, or for fraudulent misrepresentation.
9. Governing law
These Terms are governed by the laws of the Dubai International Financial Centre (DIFC). Disputes are subject to the exclusive jurisdiction of the DIFC Courts. Contact: help@aethoncredit.com
Privacy Policy
This Privacy Policy explains how ACI collects, uses, stores, shares, and protects your personal data, and how you can exercise your data rights. It applies to all data collected through the Platform, website, API, and communications with the Company.
Data we collect
Legal bases
Data is shared only with service providers under strict DPAs, for legal requirements, or in connection with business transfers. ACI does not sell personal data. ACI does not permit third-party advertising tracking on the Platform.
International transfers are conducted under EU SCCs, UK IDTAs, and DIFC mechanisms compliant with DIFC Data Protection Law 2020.
Security measures include TLS 1.2+ encryption in transit, AES-256 at rest, role-based access controls, MFA for internal systems, and regular penetration testing.
Retention
Data rights: access, correction, erasure, objection, restriction, portability, and consent withdrawal. Submit requests to help@aethoncredit.com.
Acceptable Use Policy
This Acceptable Use Policy defines what Users may and may not do with the ACI Platform and its outputs. It forms part of the binding agreement and is incorporated by reference into the Terms and Conditions.
Permitted uses
- Internal institutional analysis: using ACI Risk Indicators within a User's own organisation for portfolio analysis, risk assessment, counterparty review, or investment committee input, provided appropriate analytical framing is maintained.
- API integration: incorporating ACI data into internal workflows and systems under an executed Enterprise Services Agreement.
- Academic or journalistic research: referencing ACI outputs with appropriate attribution, identifying ACI as the source and noting that outputs are quantitative analytics.
- Regulatory and compliance documentation: referencing ACI methodology documentation in internal compliance frameworks, subject to IP restrictions.
- Third-party distribution: distributing ACI Risk Indicators under an executed white-label or redistribution agreement, with compliant framing maintained.
Framing standard
Where ACI Risk Indicators are referenced in any material, the following statement must be included: "ACI Risk Indicator. Quantitative risk analytics output for independent analysis."
Prohibited — regulatory
- Representing ACI Risk Indicators as credit ratings, regulated assessments, or authorised financial opinions.
- Using ACI outputs as the basis for regulated financial promotions or client investment recommendations without independent legal review.
- Accessing the Platform from jurisdictions subject to applicable sanctions.
- Using the Platform to facilitate money laundering, terrorist financing, or any financial crime.
Prohibited — intellectual property
- Scraping, bulk-downloading, or systematically copying ACI data beyond permitted API quotas.
- Reverse-engineering the scoring methodology beyond published documentation.
- Distributing or white-labelling ACI outputs without a separately executed redistribution agreement.
Prohibited — platform integrity
- Sharing login credentials or enabling multi-user access on single-user tiers.
- Interfering with Platform infrastructure, security systems, or data integrity.
- Attempting to gain unauthorised access to other users' accounts or data.
Contact help@aethoncredit.com with any questions about permitted use before proceeding.
Disclaimer
This Disclaimer applies to every ACI Risk Indicator, scenario output, risk band classification, and any other content generated by the ACI Platform.
All ACI outputs are quantitative information produced by a deterministic computational framework applied to publicly available data and user-defined inputs. ACI outputs are analytical information — the quantitative input that institutional decision-making processes rely on, not a substitute for independent professional judgement. The allocation decision belongs entirely to the User.
ACI has no financial interest in any scored entity. ACI does not accept payment from any provider, issuer, or platform in connection with the production of any ACI Risk Indicator. All outputs are computed deterministically from publicly available information only.
ACI Risk Indicators are computed from publicly available information as of the evidence review date displayed on each output. Where publicly available data is incomplete, the ACI Framework applies worst-case proxy values for fields with confidence below 0.70 before the weighted computation. This structural conservatism is a design feature.
Every ACI Risk Indicator carries a permanent reference to the ACI Framework version under which it was computed. Identical inputs produce identical outputs, byte-for-byte, on every computation run. Any methodology change requires formal CRO sign-off and version increment.
Every published ACI Risk Indicator is cryptographically anchored to the Bitcoin blockchain via OpenTimestamps. Any third party can verify the integrity, timestamp, and consistency of a published output without trusting ACI. Verification: aethoncredit.com/verify
Jurisdiction notices
To the maximum extent permitted by Applicable Law, the Company's aggregate liability is capped as set out in the Terms and Conditions. Contact: help@aethoncredit.com
Conflicts of Interest Policy
Structural independence is the foundation of ACI's analytical integrity. This Policy defines how ACI identifies, prevents, and manages conflicts of interest across all scoring, methodology, and commercial activities. This Policy is version-controlled and signed by the Chief Risk Officer.
ACI does not accept payment from, and holds no financial interest in, any provider, issuer, platform, or protocol whose instruments appear in the ACI scoring universe. The integrity of every ACI Risk Indicator depends on the absence of incentives that could influence its computation.
This Policy applies to Aethon Digital DMCC and all entities under common control, all employees, contractors, and advisers with access to pre-publication scoring data, all commercial relationships and data licensing agreements, and all scoring and methodology activities conducted under the ACI Framework.
Structural prohibitions (non-waivable)
- ACI does not accept payment from any provider, issuer, platform, or protocol in connection with the production, modification, or publication of any ACI Risk Indicator.
- ACI does not accept sponsored scoring, paid research, or any form of issuer-funded coverage initiation.
- ACI does not hold financial positions in any entity, instrument, or protocol tracked by the ACI scoring universe.
- ACI employees do not hold financial positions in any entity within the ACI scoring universe, subject to the personal dealing controls below.
- No scoring criterion, weight, threshold, or proxy value may be adjusted in response to an issuer request, client preference, or commercial consideration.
- All methodology changes require formal CRO sign-off, version increment, and publication. No undocumented changes are permitted.
Permitted commercial relationships
Enterprise subscriptions, data licensing agreements, and white-label deployments are permitted. No commercial relationship — regardless of scale — creates any obligation to modify, delay, withhold, or frame any ACI Risk Indicator in a manner that deviates from the published ACI Framework computation.
Personal dealing controls
All ACI personnel with access to pre-publication data must disclose any actual, potential, or perceived conflict to the CRO within 5 business days of arising. Proposed personal investments in entities within the ACI scoring universe require prior written CRO clearance. Trading on pre-publication scoring data is prohibited. Annual conflicts declarations are required from all personnel in scope.
The Chief Risk Officer holds final authority over all conflicts determinations. The CRO's authority is independent of commercial relationships and cannot be overridden in respect of scoring integrity decisions.
This Policy and a summary of the Conflicts Register are reviewed quarterly by the CRO.
Version control
ACI produces risk indicators. Users determine how those indicators are applied.