Terms of Use

1. About us

This website is operated by Cool Software Ltd, a company registered in Malta under company number C 117046 (“Cool Software”, “we”, “us” or “our”).

Our registered office is Regus Tower Business Centre, Level 2, Triq it-Torri, Swatar, Birkirkara BKR 4013, Malta.

You can contact us at contact@coolsoftware.ai.

2. About these terms

These Terms of Use govern your access to and use of our website. Please read them before using it. By using the website, you agree to these terms. If you do not agree, please stop using the website.

If you use the website on behalf of a business or other organisation, you confirm that you are authorised to act on its behalf.

These terms apply to the website only. Any software licence, demonstration, trial, integration, development work or other commercial service we provide is subject to a separate agreement. These terms do not change any agreement you have with us for those services.

3. Website information

Our website describes our work in digital identity, digital wallets and related software infrastructure. Its content is provided for general information and business enquiries.

Descriptions of our research, development work and capabilities do not constitute an offer to supply a particular product or service, or a commitment to deliver particular features, functionality or results. Product specifications, availability, delivery times and commercial terms must be agreed separately in writing.

References to identity verification, KYC, source of funds, source of wealth, monitoring or other compliance processes describe areas in which our software may be used. They do not guarantee that using our software will satisfy every legal or regulatory requirement. Responsibilities, performance requirements and any agreed assurances will be set out in the relevant commercial agreement.

The website does not provide legal, regulatory, investment, financial or tax advice. You should obtain appropriate professional advice before relying on its content for those purposes.

The website itself does not enable you to open a financial account, hold or transfer assets, or carry out financial transactions. References to banks, brokerages, wallets, government services or regulated firms do not, by themselves, imply a partnership, endorsement or regulatory authorisation.

4. Permitted use

You may access the website and view, download or print reasonable extracts for your own reference or your organisation’s internal evaluation of our business, provided you retain any copyright and ownership notices and do not misrepresent the content.

You must not:

• Use the website for unlawful, fraudulent or misleading purposes.
• Attempt to gain unauthorised access to the website, its hosting infrastructure or connected systems.
• Introduce malicious code, interfere with security controls or disrupt the website’s operation.
• Use automated tools in a way that causes excessive load, bypasses access restrictions or disrupts access for other users.
• Copy, republish, sell or commercially exploit website content except as permitted by these terms, applicable law or our prior written consent.
• Impersonate another person or falsely represent your relationship with us.
• Use the website or our contact channels to send unlawful, abusive or unsolicited bulk communications.

5. Intellectual property

Unless stated otherwise, intellectual property rights in the website and its content, including text, graphics, designs, logos and other materials, belong to us or our licensors.

Except for the limited permission in section 4 and any rights you have under applicable law, these terms do not grant you rights in our content, trademarks, software, source code, research or technology.

Third-party names and trademarks remain the property of their respective owners.

6. Enquiries and recruitment

When contacting us, please provide accurate information and ensure you have permission to share any information belonging to another person or organisation.

Please do not send passwords, private keys, seed phrases, copies of identity documents or other sensitive verification materials through general website enquiries or email unless we have specifically requested them and agreed an appropriate secure method of transfer.

An unsolicited enquiry does not, by itself, create a confidential relationship or a duty to enter into a non-disclosure agreement. If your enquiry concerns confidential business information, please contact us first to agree how it should be shared. This does not affect our duties under applicable law or any existing confidentiality agreement.

You retain ownership of materials you submit. We may use those materials to review and respond to your enquiry or application, subject to applicable law and any agreement between us.

References to recruitment or opportunities on the website do not guarantee that a particular vacancy is available. Submitting an application does not create an employment relationship or an entitlement to an interview or offer.

7. Privacy

We process personal data in accordance with applicable data protection law. Information about how we handle website enquiries, recruitment information and other personal data is set out in our Privacy Notice.

These terms do not constitute consent to marketing communications.

8. Third-party links

The website may contain links to third-party websites or resources. These links are provided for convenience. We do not control those websites and are not responsible for their content, availability or practices.

A link does not imply our endorsement of a third party. Your use of a third-party website is subject to its own terms and privacy information.

9. Website availability and accuracy

We take reasonable care in preparing website content, but it may contain errors or become outdated. To the extent permitted by law, we do not warrant that the website or its content will always be accurate, complete, up to date, uninterrupted or free from technical faults or harmful code.

We may update, change, suspend or withdraw all or part of the website for maintenance, security, operational or other reasonable business reasons. We will provide notice where reasonably practicable.

You are responsible for using appropriate security measures on your devices and systems when accessing the website.

10. Liability

Nothing in these terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.

Subject to the paragraph above, and to the extent permitted by applicable law, if you use the website for business purposes, we will not be liable for loss of profit, revenue, business opportunities, anticipated savings or goodwill, or for indirect or consequential loss arising from your use of, or inability to use, the website.

If you use the website as a consumer, nothing in these terms affects your mandatory statutory rights.

Liability relating to software or commercial services supplied under a separate agreement is governed by that agreement, subject to applicable law.

11. Breach of these terms

Where reasonably necessary to address a breach of these terms, protect the website or comply with law, we may restrict or suspend your access and take other lawful steps appropriate to the circumstances.

12. Changes to these terms

We may revise these terms to reflect changes to the website, our business or applicable legal requirements. The version currently published on the website applies to your future use from its stated update date.

Changes do not apply retrospectively to disputes that arose before they took effect and do not amend a separate commercial agreement. Please check this page periodically.

13. Governing law and disputes

These terms are governed by the laws of Malta.

If you use the website for business purposes, the courts of Malta will have exclusive jurisdiction over disputes arising out of or relating to these terms or your use of the website.

If you use the website as a consumer, this clause does not deprive you of any mandatory protections under the law that would otherwise apply to you, or any right you may have under applicable law to bring proceedings in another competent court.

14. General provisions

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

A delay or failure to enforce a provision does not waive our right to enforce it later.

15. Contact

For questions about these terms or the website, contact: