Version 1.0
Effective Date: the date of acceptance
These Terms of Service ("Terms") govern your firm's access to and use of the Client Cleared platform ("Platform") operated by Daniel O'Donovan, trading as Client Cleared ("Client Cleared", "we", "us", "our"), with a registered business address at 14 Foster Ave, Mount Merrion, Blackrock, Co. Dublin, A94 AW86.
These Terms (v1.5) were accepted on behalf of the Client by an authorised signatory, authorised signatory, on the date of acceptance. By accepting, an authorised signatory warranted that they were duly authorised to bind the Client to this agreement.
Client Cleared provides a software platform for Irish financial advisory and accounting firms to manage client onboarding, AML/CDD compliance, document collection, engagement letter execution, and related administrative workflows (the "Services").
2.1 Client Cleared grants your Firm a non-exclusive, non-transferable right to access the Platform during the term of this agreement, subject to these Terms.
2.2 Access credentials are personal to each invited user. You are responsible for maintaining the confidentiality of all passwords and access credentials issued to your Firm's users.
2.3 You may invite authorised members of your Firm as additional users. You are responsible for all actions taken under your Firm's account, including by any user you have added.
2.4 You must notify Client Cleared promptly if you become aware of any unauthorised use of your account.
3.1 You are the data controller. You are the data controller for all personal data you submit about your clients and their representatives through the Platform. Client Cleared processes that data solely on your instructions as your data processor, under the accompanying Data Processing Agreement ("DPA").
3.2 Warranties. By using the Platform, you warrant that:
- (a) you have all necessary authorisations, legitimate bases, and client consents required to submit personal data to the Platform;
- (b) your use of the Platform complies with all applicable Irish and EU law, including the Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010–2021, the General Data Protection Regulation (EU) 2016/679, and the Data Protection Act 2018;
- (c) the person accepting these Terms has authority to bind the Firm.
3.3 AML compliance responsibility. You remain solely and entirely responsible for your own AML/CDD compliance obligations. The Platform provides tools to assist compliance; it does not constitute legal, compliance, regulatory, or financial advice. Completion of an onboarding workflow on the Platform does not constitute a compliance sign-off by Client Cleared.
3.4 Acceptable use. You must not:
- use the Platform for any unlawful purpose;
- submit data about persons without a lawful basis to do so;
- attempt to reverse-engineer, copy, or re-sell any part of the Platform;
- use the Platform in a way that could harm, overload, or impair it.
3.5 Regulatory status. Client Cleared is not authorised or regulated by the Central Bank of Ireland and is not providing regulated activities. You are responsible for your own regulatory obligations.
4.1 Subscription tiers. Access to the Platform is provided on a subscription basis. The following tiers are available:
| Tier | Monthly | Annual | Active AML clients | Identity verification credits | Company document credits |
|---|---|---|---|---|---|
| Starter | €59/month | €590/year | Up to 50 | 5/month | 5/month |
| Practice | €149/month | €1,490/year | Up to 150 | 20/month | 10/month |
| Growth | €399/month | €3,990/year | Up to 500 | 75/month | 30/month |
| Scale | €849/month | €8,490/year | Unlimited | 200/month | 75/month |
Annual plans are equivalent to 10 months' billing (2 months free). All tiers include unlimited onboardings, AML/CDD workflows, PEP and sanctions screening, ongoing monitoring, engagement letter execution, document collection, and all Platform features. The active AML client limit refers to the total number of clients held in your firm's ongoing AML monitoring dashboard at any one time. New onboardings are unlimited on all tiers; the limit applies to the cumulative active monitored client base.
4.1a Active AML client limit. If your active AML client count exceeds your tier limit, Client Cleared will notify you and invite you to upgrade to the appropriate tier. You may continue to use the Platform for up to 30 days above the limit. If the count has not been reduced or your subscription upgraded within that 30-day period, Client Cleared may restrict the addition of new AML clients to your dashboard until the account is brought within the applicable limit or upgraded.
4.2 Verification and document credits. Each tier includes a monthly allowance of identity verification credits (each covering one full identity verification: document, liveness, facial match, address verification and PEP/sanctions screening) and company document credits (each covering one registry document retrieval and its processing). Allowances reset monthly and unused credits do not roll over. Usage beyond the monthly allowance is charged per additional credit as follows, billed monthly in arrears: identity verification — Starter €2.50, Practice €2.25, Growth €2.00, Scale €1.75; company document — Starter and Practice €5.00, Growth and Scale €4.00. Credits are consumed only on successful completion of the relevant check.
4.3 Billing. Billing is processed via Stripe Payments Europe, Ltd. By providing payment details you authorise Client Cleared to charge the applicable subscription fee and any KYC usage fees as they fall due. You are also subject to Stripe's terms of service.
4.4 VAT. All fees are exclusive of Irish VAT. Where Irish VAT applies, it will be added at the applicable rate.
4.5 Non-refundable. Fees are non-refundable except where required by law or expressly agreed in writing. Unused subscription periods are not refunded on cancellation or termination.
4.6 Fee changes. Client Cleared may update subscription fees or KYC verification rates on 30 days' written notice. Continued use of the Platform after the notice period constitutes acceptance of the updated fees. If you do not accept updated fees, you may terminate under clause 11.2 during the notice period.
4.7 Payment failure. If a payment fails and is not remedied within 14 days of notice, Client Cleared may suspend access to the Platform.
5.1 The Platform, including all software, interfaces, templates, designs, and documentation, is the intellectual property of Client Cleared. These Terms do not transfer any intellectual property rights to you.
5.2 You retain all rights in the data and documents you submit to the Platform. You grant Client Cleared a limited, non-exclusive licence to process that data solely for the purpose of providing the Services to you.
6.1 Each party agrees to keep the other's confidential information — including all client personal data, business information, and Platform credentials — strictly confidential and to use it only for the purposes of this agreement.
6.2 This obligation does not apply to information that: (a) is or becomes publicly known other than through breach; (b) was already known to the receiving party; (c) must be disclosed by law or court order.
7.1 The processing of personal data submitted to the Platform is governed by the Client Cleared Data Processing Agreement ("DPA"), which is incorporated into and forms part of these Terms.
7.2 By accepting these Terms you also accept the DPA. Both documents must be accepted together; you cannot use the Platform while accepting one but not the other.
7.3 Acceptance mechanism. On first login, each Firm's authorised representative will be presented with the current version of these Terms and the DPA in full, and must click "I Accept" before accessing the Platform. This constitutes a valid, legally binding acceptance. Client Cleared records the accepting user's identity, the version of each document accepted, and the date and time of acceptance. That record is the Firm's acceptance of this agreement.
7.4 Version updates. When Client Cleared publishes a new version of these Terms or the DPA under clause 12, the Firm's authorised users will be shown the updated documents on next login and must re-accept before continuing. If no user re-accepts within 30 days of notification, Client Cleared may treat the agreement as terminated on notice under clause 11.2.
8.1 Client Cleared will use reasonable endeavours to maintain Platform availability but does not guarantee uninterrupted or error-free access. The Platform may be unavailable during maintenance, updates, or events outside Client Cleared's reasonable control.
8.2 Support is provided via email to [support@clientcleared.com]. Client Cleared will use reasonable endeavours to respond to support queries within 2 business days.
8.3 Client Cleared may make changes, updates, or modifications to the Platform at any time. Where changes materially affect your use of the Platform, Client Cleared will provide reasonable advance notice.
9.1 Client Cleared warrants that the Platform will perform materially in accordance with its documentation when used in accordance with these Terms under normal conditions.
9.2 Except as stated in clause 9.1, the Platform is provided "as is" and "as available". To the fullest extent permitted by Irish and EU law, Client Cleared disclaims all other warranties, representations, or conditions, whether express, implied, or statutory, including any implied warranty of merchantability or fitness for a particular purpose.
9.3 The Platform does not constitute legal, tax, financial, AML, or regulatory compliance advice. Reliance on any information or outputs from the Platform is at your own risk.
10.1 Uncapped liability. Nothing in these Terms limits or excludes liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot be limited or excluded under applicable Irish or EU law.
10.2 Aggregate cap. Subject to clause 10.1, Client Cleared's total aggregate liability to you arising out of or in connection with these Terms (whether in contract, tort, breach of statutory duty, or otherwise) shall not exceed the total fees paid by your Firm to Client Cleared in the 12 calendar months immediately preceding the event giving rise to the claim.
10.3 Excluded losses. Subject to clause 10.1, Client Cleared shall not be liable for: loss of profits; loss of revenue; loss of business or contracts; loss of anticipated savings; loss of data (beyond the cost of restoring backup data); or any indirect, consequential, special, or punitive loss or damage, even if advised of the possibility of such loss.
10.4 Regulatory fines. Client Cleared shall not be liable for any regulatory fines, penalties, or sanctions imposed on your Firm by any competent authority, including the Data Protection Commission or any AML supervisory body.
11.1 These Terms commence on the date your Firm's account is created and continue until terminated.
11.2 Either party may terminate this agreement on 30 days' written notice to the other.
11.3 Client Cleared may suspend or terminate access immediately, on written notice, if: (a) any payment is overdue by more than 14 days after notice; (b) you commit a material breach of these Terms that is not remedied within 14 days of written notice (or is incapable of remedy); (c) you are insolvent, enter administration, or make an arrangement with creditors; (d) you use the Platform in a way that causes or risks harm to the Platform, Client Cleared, or third parties.
11.4 Data on termination. On termination for any reason, Client Cleared will make available a copy of your Firm's data in a portable format within 30 days of the termination date. Following that 30-day period, Client Cleared will delete your Firm's data from its systems, subject to any data it is required to retain by law. You are solely responsible for retaining any client records required by applicable law (including AML/CDD retention obligations).
11.5 Clauses 5, 6, 9, 10, 11.4, and 13 survive termination.
12.1 Client Cleared may update these Terms on 30 days' written notice (including by email to the contact address on your account).
12.2 Continued use of the Platform after the notice period constitutes acceptance of the updated Terms.
12.3 If you do not accept the updated Terms, you may terminate under clause 11.2 during the notice period.
13.1 Governing law. These Terms are governed by the laws of Ireland. The parties irrevocably submit to the exclusive jurisdiction of the courts of Ireland in relation to any dispute arising under or in connection with these Terms.
13.2 Entire agreement. These Terms (together with the DPA) constitute the entire agreement between the parties in relation to the Platform and supersede all prior agreements, representations, and understandings.
13.3 No waiver. Failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other.
13.4 Severability. If any provision is held by a court to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
13.5 Assignment. You may not assign or transfer your rights or obligations under these Terms without Client Cleared's prior written consent. Client Cleared may assign its rights to a successor in business.
13.6 Force majeure. Neither party shall be liable for delay or failure to perform obligations caused by circumstances beyond their reasonable control.
13.7 Notices. Notices under these Terms may be given by email. Notices to Client Cleared: [legal@clientcleared.com]. Notices to you: the email address registered on your account.
Client Cleared is a trading name of Daniel O'Donovan, Ireland.
[VAT number if applicable]
Contact: [legal@clientcleared.com]