Terms of Service | TrustPath Legal Agreement & Policies

Last updated: January 22, 2026

1. Agreement to Terms

1.1 Scope of Application

These Terms of Service ("Terms") apply exclusively to business customers (B2B). TrustPath does not offer services to individual consumers. By "business customer," we mean any legal entity, partnership, or sole proprietorship acting in the course of their commercial or professional activity.

1.2 Acceptance of Terms

By accessing and using TrustPath's website and services, you represent that you are acting on behalf of a business entity and agree to be bound by these Terms. If you disagree with any part of these terms, you may not access our services.

2. Service License and Permitted Use

2.1 License Grant

Subject to your compliance with these Terms and payment of applicable fees, TrustPath grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes in accordance with the scope of your subscription plan.

2.2 Restrictions

You may not, and may not permit others to:

Modify, copy, or create derivative works of the Services or any part thereof
Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying algorithms of the Services
Rent, lease, sell, sublicense, distribute, or otherwise transfer the Services to any third party
Use the Services to provide service bureau, time-sharing, or similar services to third parties
Remove, alter, or obscure any proprietary notices (including copyright and trademark notices) on the Services
Use the Services in any manner that violates applicable laws or regulations
Attempt to gain unauthorized access to the Services or related systems or networks
Use the Services to transmit any viruses, malware, or other malicious code
Interfere with or disrupt the integrity or performance of the Services

3. Service Description

TrustPath provides fraud prevention and risk assessment services using data-driven detection measures. Our services include real-time risk analysis, fraud scoring, and related security tools designed to help businesses detect and prevent fraudulent activities.

We reserve the right to withdraw or amend our service and any service or material we provide at any time with reasonable notice to affected customers, except in cases of emergency maintenance or security threats.

4. Service Level Agreement (SLA)

4.1 Service Availability

TrustPath commits to the following service availability targets:

Uptime Guarantee: 99.5% monthly uptime for the API and core fraud prevention services
Planned Maintenance: Scheduled maintenance will be announced at least 48 hours in advance via email and status page
Emergency Maintenance: May be performed without prior notice if required for security or critical operational reasons

4.2 Uptime Calculation

Monthly uptime is calculated as:

(Total minutes in month - Downtime minutes) / Total minutes in month × 100%

Excluded from downtime calculations:

Scheduled maintenance windows (maximum 4 hours per month)
Downtime caused by factors outside TrustPath's reasonable control (force majeure, internet service provider failures, DDoS attacks)
Issues caused by customer's misuse of the Services or violation of these Terms
Customer's internet connectivity or hardware/software issues

4.3 Support Response Times

Priority Level	Description	Target Response Time
Critical	Service completely unavailable or major functionality broken affecting all users	2 hours (24/7)
High	Significant functionality impaired affecting multiple users	4 business hours
Medium	Minor functionality issues or questions affecting individual users	1 business day
Low	General questions, feature requests, cosmetic issues	2 business days

Business Hours: Monday to Friday, 9:00 AM to 6:00 PM CET/CEST, excluding German public holidays.

4.4 Service Credits

If we fail to meet the 99.5% monthly uptime commitment, eligible customers may request service credits:

Monthly Uptime Percentage	Service Credit
99.0% - 99.49%	5% of monthly fee
98.0% - 98.99%	10% of monthly fee
95.0% - 97.99%	25% of monthly fee
Below 95.0%	50% of monthly fee

Credit Request Process:

Credits must be requested within 30 days of the incident
Requests must include dates, times, and description of the downtime
Credits are issued as account credits for future service, not cash refunds
Credits are the exclusive remedy for service availability issues

4.5 Performance Metrics

API Response Time: TrustPath will make commercially reasonable efforts to maintain optimal API response times. Actual response times may vary based on the complexity of the requested analysis, external data sources, and network conditions beyond our control.
Status Page: Real-time service status available at status: https://trustpath.instatus.com

4.6 Limitations

This SLA does not apply to:

Beta or preview features explicitly labeled as such
Free trial periods
Services provided at no charge
Customers with outstanding payment obligations

5. User Obligations

You agree to:

Provide accurate and complete information
Maintain the security of your account credentials
Promptly notify us of any unauthorized use of your account
Use the services in compliance with all applicable laws and regulations

6. Warranties and Disclaimers

6.1 Service Performance

TrustPath commits to providing the Services with reasonable skill and care in accordance with industry standards. However, fraud detection and prevention services are inherently probabilistic in nature and cannot guarantee absolute accuracy or prevention of all fraudulent activities.

6.2 Fraud Detection Disclaimers

IMPORTANT - PLEASE READ CAREFULLY:

The fraud prevention and risk assessment services provided by TrustPath are tools to assist in detecting potentially fraudulent activities. Customer acknowledges and agrees that:

No Guarantee of Fraud Prevention: TrustPath does not and cannot guarantee that:
- All fraudulent activities will be detected or prevented
- Risk scores and assessments will be 100% accurate
- The use of our Services will eliminate fraud entirely
- False positives or false negatives will not occur
Risk Scores and Assessments: Risk scores, fraud alerts, and assessments provided by TrustPath are based on rule engines, deterministic behavior analysis, and pattern detection. These are indicators of potential risk, not definitive determinations of fraud. Customer maintains sole responsibility for making final decisions based on these indicators.
Customer Decision-Making: TrustPath provides information and risk assessments, but the Customer retains full and exclusive responsibility for:
- Deciding whether to accept, reject, or further investigate any transaction or user
- Implementing appropriate fraud prevention measures beyond TrustPath's Services
- Verifying the accuracy of risk assessments in the context of Customer's specific business
- Any losses, damages, or liabilities resulting from fraudulent activities, whether detected or undetected
Evolving Fraud Patterns: Fraudsters continuously develop new techniques and patterns. While TrustPath continuously improves its detection capabilities, there will always be new or previously unknown fraud patterns that may not be detected immediately.
Data Quality Dependency: The accuracy of TrustPath's assessments depends significantly on:
- The quality, completeness, and accuracy of data provided by the Customer
- The timeliness of data transmission
- Proper integration and implementation of the API
- Customer compliance with documentation and best practices
No Liability for Fraud Losses: TrustPath shall not be liable for any losses, damages, chargebacks, financial losses, or other consequences resulting from:
- Fraudulent activities that were not detected
- False positives that resulted in rejection of legitimate users or transactions
- False negatives that resulted in acceptance of fraudulent users or transactions
- Customer's reliance on or interpretation of risk scores and assessments
- Delays in fraud detection or risk scoring

6.3 Service "As Is" Components

Certain features or components of the Services may be provided "as is" including:

Beta or preview features explicitly labeled as such
Third-party data integrations
Experimental machine learning models marked as experimental
API endpoints marked as deprecated or preview

For such components, TrustPath makes no warranties regarding functionality, availability, or fitness for particular purposes beyond what is expressly stated.

6.4 Third-Party Data

TrustPath may utilize data from third-party sources to enhance fraud detection capabilities. TrustPath does not warrant the accuracy, completeness, or reliability of third-party data and shall not be liable for errors or omissions in such data.

6.5 Customer Warranties

Customer warrants that:

All data provided to TrustPath is accurate and lawfully obtained
Customer has all necessary rights, permissions, and legal bases to process and transmit data to TrustPath
Customer's use of the Services complies with all applicable laws, including data protection and anti-fraud regulations
Customer will not use the Services for any unlawful or prohibited purposes

6.6 Limitation of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY GERMAN LAW: TrustPath provides the Services on an "as available" basis. Except as expressly stated in these Terms or required by mandatory German law, TrustPath makes no warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

This limitation does not affect any statutory rights that cannot be excluded under German law, including warranties related to intentional misconduct or gross negligence.

7. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by TrustPath UG (haftungsbeschränkt) and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Limitation of Liability

8.1 Unlimited Liability

TrustPath's liability is unlimited in cases of:

Intentional misconduct (Vorsatz)
Gross negligence (grobe Fahrlässigkeit)
Injury to life, body, or health
Claims under the German Product Liability Act (Produkthaftungsgesetz)
Fraudulent concealment of defects
Breach of guarantees explicitly given in writing

8.2 Limited Liability

For simple negligence (einfache Fahrlässigkeit), TrustPath is only liable if:

An essential contractual obligation (wesentliche Vertragspflicht) has been breached, the fulfillment of which is essential for the proper execution of the contract and on whose observance you may regularly rely

In such cases, liability is limited to foreseeable, typically occurring damages.

8.3 Exclusion of Liability

Subject to the provisions in Sections 8.1 and 8.2 above, TrustPath shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the service.

9. Termination

We may terminate or suspend your access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be notified to users at least 30 days in advance via email. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Germany, without regard to its conflict of law provisions.

12. EU Online Dispute Resolution

The European Commission provides a platform for online dispute resolution (OS), which can be accessed at: https://ec.europa.eu/consumers/odr/

We are neither willing nor obligated to participate in dispute resolution proceedings before a consumer arbitration board. However, we are committed to resolving disputes with our business customers in good faith.

13. Contact Information

If you have questions about these Terms, please contact us.