Effective: September 2026

ANTI-FINANCIAL CRIME PROGRAMS

Our Anti-Financial Crime upskilling programs ("AFC Programs") are offered by Client Fabric Tech Ltd and its related companies (together, "Client Fabric"). By registering for or accessing any of these programs, you ("Participant" / "Applicant") agree to the following Terms and Conditions.

Each of our AFC Programs is different — the details for each one, including what's covered, how it works and what's required, are listed on the relevant program page on our website www.cddp.ai. We'd ask that you review this information before registering and keep an eye on any changes we make to the program or its requirements. And if you're still not clear, reach out to us at cddp@clientfabric.com.

What we offer:

Our AFC Programs include, but are not limited to:

• AFC Elements
• Certified Due Diligence Professional Program
• AFC Bootcamp
• Spirit of Sanctions
• AFC Workshop (Transaction Monitoring and CDD)
• Tailored Bootcamps focusing on specific domains
• Additional Value Added Certificate in Anti-Financial Crime Risk Management
• Advanced Diploma in Anti-Financial Crime
• AFC Challenge — Knowledge and skills-based Assessment to measure one's baseline Domain Mastery

We may launch new programs, update existing ones, or retire programs that are no longer relevant. When we do, we'll update this page and the relevant program pages on our website.

1. Conditions of registration

Getting started is simple — register for the program you're interested in, make a payment or get your employer to purchase licenses, and you'll have access to the content straight away. This access is yours, for your own learning and development, and lasts for 180 days from the date you register ("Program Period"), unless we've stated otherwise for a specific program. That should give you plenty of time to work through the material at your own pace.

One thing worth highlighting is that your access is just for you, for your own learning and development. We'd ask that you don't use our content to deliver your own training or for any other commercial purpose.

2. How we will assess your skills

Client Fabric may require participants to complete an assessment, the time and frequency of which will vary for each Program, prior to and as a condition of the certification process. Client Fabric may also limit the number of attempts, including charging participants an additional fee for attempts that exceed a preset limit we deem appropriate. Client Fabric will, where it deems appropriate, make changes to these processes or consider requests from participants for a waiver at its sole discretion.

3. The AFC Challenge (our Domain Mastery Baseline Assessment)

The AFC Challenge is designed to show you where your anti-financial crime due diligence knowledge and skills stand today. Think of it as a starting point, not a finish line. It helps you and us figure out the path that suits you best. Some programs ask you to take it before you join, but you can also take it on its own, just to see where you're at. It's not a qualification, and we won't promise it will lead to a specific job or role. What it does give you is a clear read on your skills and where you can grow.

Your employer, a company thinking of hiring you, or another organisation (we call them the enrolling organisation) can sign you up. You can also sign yourself up. Either way, we'll email you what you need to know — when it opens, how long it takes, and what to expect. The important bit is that taking the Challenge is always your decision. An enrolling organisation can assign it to you, and we'll make it available, but we won't make you take it. What happens if you choose not to is between you and them. If they paid for your place and you haven't taken it, all they'll see is an unused licence or your progress as not started.

One thing we want to be clear about is that, at Client Fabric, we run the assessment. We don't make hiring or employment decisions. Anything about your role, pay, or performance is for the enrolling organisation to decide, and we ask them not to make those decisions based on your score or grade alone.

We score and grade your domain mastery from how you do in the knowledge and skills sections. AI and human moderators work together to arrive at your score, and when it's done, you get a Domain Mastery report on a dashboard — your score and grade, what each of it means, and what makes sense as a next step. You always get your own report. So do we, because we need it to run the Challenge and support you. If an enrolling organisation paid, they get the full report too — and we'll make sure you know that before you start. If you paid yourself, nobody outside Client Fabric sees your report unless you want them to. We may use trusted providers to help us run things, but they only touch your data to do that job for us. We don't sell your results.

The Challenge is a paid assessment; you or an enrolling organisation can pay for it. If a platform problem on our end stops you from finishing, let us know immediately. We'll reschedule it, and if we can't, we'll refund the fee to whoever paid. Sections 7 and 8 cover cancellations and other refunds. There's no retake, so take it when you're ready and can give it your full attention.

We want everyone to have a fair chance to show what they know. If a disability, health condition, language need, or connection problem might affect how you take the Challenge, let us know before you start, and we'll do our best to make reasonable adjustments. If you think your result is wrong, ask us to review it within 7 days of seeing your results. Someone who wasn't involved in the original scoring will take a fresh look, and we'll tell you what we found and why. You can always ask a person to check any part that was scored by AI. Our decision after the review is final, but that doesn't take away any rights you have under the law.

We ask that you do the Challenge on your own, without help from other people or AI tools. Please don't copy, record, share, or publish the content. If we think the rules weren't followed, we may cancel your result — but we'll tell you why and hear your side first.

We use your answers to score you and produce your performance report. We also look at answers across many participants to understand how groups are doing and to build a picture of domain mastery across the community. We use what we learn to make the Challenge better, and nothing we share from this can be traced back to you. We don't use your answers or your profile details to train AI models.

4. Our eligibility criteria

Some of our AFC Programs have eligibility criteria and may require participants to apply to participate. Client Fabric will assess and confirm approval for participation in writing and do so at its sole discretion.

Given the nature of the content i.e., crime, financial crime, we believe participants must be 18 years of age or above and not restricted by any applicable law to participate in our training. In the event Client Fabric is made aware that a participant is not eligible to enter into such transactions, Client Fabric reserves the right to revoke such participant's access, without notice. By accessing and registering for the AFC Program, you represent and warrant that you are of legal age to form a binding contract with Client Fabric and meet all the foregoing eligibility requirements.

5. Our responsibilities as Client Fabric

Client Fabric is committed to doing what is reasonable; we will do so, and that will always remain our north star. That said, below is our legal stance on this subject.

• Client Fabric's endeavour is to ensure that the content we produce remains relevant and always updated and in this regard, Client Fabric also reserves the right to modify, suspend, or discontinue the program at its sole discretion at any time without notice.
• Client Fabric reserves the right to modify/amend these Terms and Conditions at any time, which shall be effective immediately and shall supersede previous Terms and Conditions.
• Client Fabric shall not be under any obligation to notify the Participant of any changes to the Terms and Conditions. The Participant is advised and is responsible for reviewing the Terms and Conditions for any modifications.

6. Your Responsibilities as a Participant

As a participant, you are a financial crime fighter or starting your journey as one, and we know you will do what is reasonable. That said, below are the legal requirements our lawyers said we must include.

• Participants shall uphold academic integrity during the completion of the AFC Program, including assessments, knowledge checks, and related activities.
• Participants shall not be in violation of any applicable laws and regulations restricting their access to the AFC Program.
• Participants shall maintain confidentiality and not distribute, share, disclose, or solicit answers to any of the assessments, knowledge checks, and related activities or use unauthorised resources, including AI tools, to complete assessments.
• Participants shall not do anything illegal or prohibited by the Terms and Conditions or other applicable rules.
• Participants shall not post, copy, record, take photographs, submit, upload, download and/or distribute any content of the Programme as prohibited by the Terms and Conditions.
• Participants shall not transmit or make available any software or other computer files that contain a virus or other harmful component, or otherwise disrupt, tamper with or damage the operations.
• Participants shall not make, transmit, or store electronic copies of Intellectual Property of Client Fabric.
• Participants shall not engage in activity that is fraudulent, false or misleading or libellous or defamatory.
• Participants shall not infringe upon the intellectual property rights, privacy and data protection rights of Client Fabric or any other third party.
• Participants shall not interfere with any other person's use or enjoyment of the Programme.
• Participants shall not make available any content that would violate any law for now.

7. The right to cancel

Whilst we will always abide by the law of the land, in general, once you pay and start participating in a program, you can no longer cancel, and by accepting these terms and conditions, you waive your rights to cancel after accessing the program library.

• By the Participant:
  1. Upon registration, the Participant will have immediate access to the AFC Elements Program, course material, pre-read course material, assessment questions, etc. By doing so, the Participant acknowledges commencement of the program and loses the right to cancel.
  2. Once the Participant accesses any part of the program material, they specifically acknowledge that it would not be reasonable to cancel the registration or request a refund. Therefore, no cancellation or refund requests will be accepted.
• By Client Fabric:

  Under certain unavoidable circumstances, Client Fabric may need to cancel the AFC Program(s) you have registered and paid to participate in. While this decision is never made lightly, Client Fabric reserves the right to cancel the program. The Participant will be notified via email and offered the option to access a revised version of the program or receive a full refund in accordance with the Refund Policy.

8. How we will manage refunds

If it comes to the point of requesting a refund, it means you are unhappy; that is not where we want to be, and this is how we will address that.

• Client Fabric will consider every request for a refund using a test of reasonableness.
• Where we deem the request reasonable, we will offer a full refund.
• Refunds will be initiated and credited to the Participant's source account.
• Although our desire is to process refunds instantaneously, the actual amount of time it will take for the refund will depend on the financial institutions involved and is outside of our control.
• Given the above, we will not be able to offer any compensation in the event of any delays in processing the refund.

9. You should consider everything you have access to as the Intellectual property of Client Fabric

Our AFC Programs are created and curated with a lot of care, require incredible efforts by many people and take hundreds of hours so we take any infringement of our intellectual property very seriously. Most people have a strong moral compass and do the right thing, so here is a non-exhaustive list of things our lawyers listed as things you should watch out for.

• Unless otherwise indicated or anything to the contrary is contained, or any proprietary material owned by a third party and so expressly mentioned, all information, content and materials available on the AFC Program, including, but not limited to text, graphics, software, domain name, code, images, know-how, trademarks, copyright, related rights, logos, tools, utilities, processes, inventions, devices, methodologies, specifications and techniques are the intellectual property of Client Fabric ("Intellectual Property").
• Client Fabric is the exclusive owner of the Intellectual Property under the applicable laws.
• The Participant agrees and acknowledges that the Intellectual Property of Client Fabric and any unauthorised use, reproduction, modification, distribution, transmission, republication, display or performance of the Intellectual Property and any component thereof is strictly prohibited.
• The Participant agrees and acknowledges that they do not acquire any ownership or rights to the Intellectual Property by registering for the AFC Program.
• The Participant undertakes not to utilise any data mining tools, robots, or similar data gathering and extraction tools to extract for re-utilisation of any substantial parts of the AFC Programme.
• Where information made available to the Participant belongs to third parties, Client Fabric has obtained the requisite permission from the relevant third party for its disclosure or has appropriately credited such third parties.
• The Participant or any other person may not:
  • Make copies through manual and automatic processes (whether by printing onto paper, storing on disk, downloading, taking pictures of the screen, sharing over WhatsApp or by any other means), distribute (including distributing copies), download, display, perform, reproduce, republish, upload, transmit, modify, edit, alter, enhance, broadcast, distribute, create derivative works from, transfer, sell or otherwise tamper with or use the Intellectual Property contained in the AFC Programmes. (The only exception to download and save on the device is the post-training guide.)
  • Decompile, reverse engineer, or disassemble the Intellectual Property.
  • Resale or reproduce whole or part of the AFC Programme, or advertise for commercial gain.
  • Modify or incorporate whole or part of the content from the AFC Programme in any other work, publication or website (hard copy or electronic form).
  • Record any portion of the AFC Programme.
  • Remove any copyright, trademark or other intellectual property notices contained in the material provided in the AFC Programme.
  • Replicate the whole or part of the content of the AFC Programme.
  • Use the application in any way that is unlawful or harms Client Fabric or any other person as determined by Client Fabric.
  • Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
  • Impersonate or attempt to impersonate Client Fabric in any manner.
  • Perform any other unauthorised acts as mentioned under these Terms and Conditions.
  • Perform any other activities that violate any law for the time being in force.
• Any breach of this provision shall entitle Client Fabric to seek injunctive or other equitable relief, in addition to other remedies available to it under law.

10. We take data privacy very seriously

You are thinking, what's new? Everyone says that. We are actually betting our whole startup on helping you Own, Earn from and Do good with your data e.g., The Certificate you will get on completion of the program will be a verifiable credential, but more about that on our website.

In the meantime, though, here is what you need to know and how we will manage your data and what we need you to consent to.

• Personal Information: We will only collect what we need and only use what we must. In providing our services, Client Fabric may request to collect and/or display some of the Participant's personal information. 'Personal Information' includes any information that can be used to identify a person, and may include information as listed below, but not limited to it –
  • First name and Last name.
  • Role.
  • Email address.
  • Phone number.
  • Address, State, Province, ZIP/Postal code, City, Country
  • Organisation / Institution you work for or own
  • Number of years of experience in AFC
  • AFC Certifications you hold
• Information Collected Regarding Payment or Other Transactional Information: For any payments made to avail of the courses offered by Client Fabric, Client Fabric has no desire to collect and store any payment-related information (billing address, billing information, credit/debit card information, etc.), but we are not responsible for or in control of what other platforms we use to process payments may store. We have taken care to carefully select these platforms and need you to acknowledge the above.
• Use of Information: Personal Information collected by Client Fabric may be used in a manner that includes the following –
  • To manage course access.
  • To contact the Participants with important updates.
  • To manage any support requests related to the Programme (Cancellation, refund requests, etc.)
  • To issue certifications to the Participants.

  For any other purpose not mentioned above, we shall inform the Participant of such intended use and seek the Participant's prior consent.

  The Participant consents that any personal information collected with the Participant's knowledge and permission may be transferred over the Internet to Client Fabric's cloud service providers or such other technology platforms as needed.

• Disclosure to Third Parties: The Participants understand and consent to Client Fabric sharing any collected Personal Information with contracted Third Parties, only when such disclosure is necessary and appropriate for providing services to the Participant, or for the purposes laid down under this Policy.
• Client Fabric reserves the right to access, read, preserve and/or disclose any Personal Information or other data collected, as we deem reasonably necessary:
  • To comply with legal provisions, processes or at the request of the government.
  • To enforce the Terms and Conditions of the AFC Programs or any related violations of such documents.
  • To detect and/or address any fraud, or any security or technical issues.
  • Making proper responses or addressing any Participant's support issues or requests.
  • Protecting the rights, property, or safety, and that of the Participant and the public. This includes exchanging information with other companies and organisations for fraud protection and spam/malware prevention.
  • If permitted, we will notify the Participant when Client Fabric is required to disclose the Participant's personal Information by law.
• Data Security: We have undertaken all reasonable industry-standard measures for the security of the Participant's personal information stored with us. These measures are meant to prevent any unauthorised access, modification, or disclosure of the user's personal information. However, Client Fabric shall assume no liability for any disclosure of the participant's personal information due to transmission errors, due to any unauthorised third-party access to the same, or due to any causes that are beyond Client Fabric's control.
• Right to access, correct or delete personal information: Participants have the right to request access to, correction of, or deletion of their personal data held by Client Fabric. To exercise these rights, the participant may submit a request in writing to cddp@clientfabric.com. Client Fabric will respond to the request within 30 days and take appropriate actions to comply with your request in accordance with applicable laws and regulations.
• Right to Opt Out of Communications: Client Fabric sends communications to the Participants regarding billing information, any updates in relation to the courses and services provided, or any service requests, through email or SMS. The Participant can opt-out of receiving such non-contracted communications and Client Fabric will remove the Participant from mailings relating to the services at the Participant's request. For the avoidance of doubt, contracted communication is communication calling on participants to meet accepted terms and conditions, e.g., outstanding payments.
• Retention of Participant's Personal Information: Client Fabric will retain the user's personal information only for as long as is necessary for the purposes set out in this document. We will retain and use the participant's personal information to the extent necessary to comply with Client Fabric's legal obligations, resolve disputes, and enforce legal agreements and policies.

11. We have the following limitations to the liability we can accept

Client Fabric shall not be liable for any direct, indirect, special, incidental, exemplary, punitive or consequential damages arising from or related to the Participant's use of, or inability to access or use the AFC Programme, including but not limited to, loss of data or goodwill, service interruption, loss of revenue, loss of profits, even if foreseeable. In no event will the liability of Client Fabric exceed the total amount paid by the Participant for the AFC Programme.

12. The jurisdiction and governing law we accept

These Terms and Conditions shall be governed and construed in accordance with the laws of the United Kingdom. Subject to Clause 14, the courts of the United Kingdom shall have exclusive jurisdiction with respect to all disputes or claims that arise between the Parties. Any failure to enforce any right or provision of the Terms and Conditions by Client Fabric shall not be considered as a waiver of those rights.

13. Clarity on indemnity

The Participant shall defend, indemnify and hold harmless Client Fabric from and against all claims, losses, expenses, demands or liabilities, including attorneys' fees and costs (including the cost of any settlement and legal costs), incurred by Client Fabric in connection with any claim arising out of or in any way related to but not limited to:

• The Participant's illegal and unauthorised use of the AFC Programme.
• The Participant's violation or alleged violation of the Terms and Conditions or any applicable law.
• The Participant's infringement or alleged infringement of Intellectual Property of Client Fabric or any third party's intellectual property rights or the rights of any other person or entity.

14. How we will deal with any grievance you may have

In general, if you have a grievance, that is something we will take incredibly seriously, and we will do everything in our capacity to address that, period. That said, here is the legal context.

Participants are encouraged to report any concern or grievance, including any violation of the code of conduct, the Terms and Conditions, or any other policies in place, to the course administration immediately via email at cddp@clientfabric.com.

If the grievance is of a technical nature, please contact us at support@clientfabric.com.

15. In the event there is a dispute, here is how we will seek to resolve it

We don't like disputes of any kind, especially when it involves our clients, and should one arise, as a core principle, we will do everything in our capacity to resolve them as quickly as possible. That said our legal position is listed below,

• The Parties shall seek to amicably resolve any dispute, controversy or claim arising out of or in connection with these Terms and Conditions.
• If the Parties fail to settle the dispute amicably within 30 (thirty) days from the date on which such dispute arose, the dispute shall first be referred for mediation on such terms as may be mutually agreed upon by the Parties before a mediator who shall be appointed by the Parties with mutual consent. The venue and seat of the mediation shall be the United Kingdom and the language of the mediation shall be English.
• If the Parties are unable to resolve the dispute within 30 (thirty) days from the date of commencement of mediation, which time limit may be extended by mutual agreement of the Parties, the dispute shall be referred to and finally resolved by arbitration in accordance with the Arbitration Rules of the United Kingdom, which rules are deemed to be incorporated by reference in this clause. The seat and venue of arbitration shall be the United Kingdom. The arbitration tribunal shall consist of a sole arbitrator. The language of the arbitration shall be English.
• The award of the arbitrator shall be final and binding on the Parties. The arbitrator shall be entitled to award costs of the arbitration. Subject to the aforesaid, each Party to any arbitration shall bear its own expense in relation thereto, including but not limited to such Party's attorneys' fees and the expenses and fees of the arbitrator shall be borne equally by the parties to the dispute.

16. Severability

If any provision of these Terms and Conditions is held by a court of competent jurisdiction or arbitral tribunal to be unenforceable under applicable law, then such provision will be excluded from these Terms and Conditions and the remainder of these Terms and Conditions will be interpreted as if such provision were so excluded and will be enforceable in accordance with its terms; provided however that, in such event, these Terms and Conditions will be interpreted so as to give effect, to the greatest extent consistent with and permitted by applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction or arbitral tribunal.