Terms and Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your access to and use of Integra's services, software, and platforms (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use our Services.

2. Acceptance of Terms

By registering for, accessing, or using Integra's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

These Terms constitute a legally binding agreement between you and Integra. If you are using our Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Service Description

Integra provides the following services:

• Digital solutions and software platforms for the TELCO sector
• KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance solutions
• CRM and BPM (Business Process Management) systems
• Real-time event monitoring and management
• Cloud-native application development and consulting services

4. User Obligations

4.1 Account Responsibilities

• You are responsible for maintaining the confidentiality of your account credentials
• You must provide accurate, current, and complete information during registration
• You must promptly update your information if it changes
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use of your account

4.2 Acceptable Use

You agree not to:

• Use the Services for any illegal or unauthorized purpose
• Violate any applicable laws, regulations, or third-party rights
• Interfere with or disrupt the Services or servers
• Attempt to gain unauthorized access to any part of the Services
• Transmit any viruses, malware, or harmful code
• Reverse engineer, decompile, or disassemble any part of the Services

5. Know Your Customer (KYC) Requirements

Integra is committed to compliance with international KYC regulations. By using our Services, you agree to comply with the following KYC requirements:

5.1 Customer Identification

You must provide accurate identification information, including:

• Full legal name and aliases
• Date of birth and nationality
• Government-issued identification documents
• Proof of address
• Business registration documents (for corporate accounts)
• Beneficial ownership information (when applicable)

5.2 Ongoing Monitoring

We conduct ongoing monitoring of customer accounts and transactions to detect and prevent suspicious activities. This includes:

• Regular review of customer information
• Transaction monitoring and analysis
• Risk-based assessment and categorization
• Enhanced due diligence for high-risk customers

5.3 International KYC Standards

We comply with international KYC standards, including:

• FATF Recommendations: Financial Action Task Force guidelines on customer due diligence
• Basel Committee Standards: Core principles for effective banking supervision
• Wolfsberg Principles: Global anti-money laundering guidelines for private banking
• EU AML Directives: European Union Anti-Money Laundering directives
• US BSA/AML Regulations: Bank Secrecy Act and Anti-Money Laundering requirements

6. Anti-Money Laundering (AML) Compliance

Integra maintains a comprehensive AML program in accordance with international standards and regulations.

6.1 AML Program Components

Our AML program includes:

• Customer Due Diligence (CDD): Identification and verification of customer identity
• Enhanced Due Diligence (EDD): Additional scrutiny for high-risk customers
• Transaction Monitoring: Automated systems to detect suspicious activities
• Suspicious Activity Reporting: Timely reporting to relevant authorities
• Sanctions Screening: Screening against international sanctions lists
• PEP Screening: Identification of Politically Exposed Persons
• Training and Awareness: Regular staff training on AML requirements

6.2 International AML Regulations

We comply with the following AML regulations:

• FATF Recommendations: International standards for combating money laundering and terrorist financing
• Panama Law 23 of 2015: Panama's Anti-Money Laundering Law
• US PATRIOT Act: Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act
• EU 4th and 5th AML Directives: European Union anti-money laundering directives
• UK Money Laundering Regulations: United Kingdom AML regulatory framework
• Basel AML Index: International standards for AML compliance

6.3 Suspicious Activity Reporting

We are required by law to report suspicious activities to relevant authorities. You agree that:

• We may report any suspicious transactions or activities without prior notice
• We are not liable for any losses resulting from such reporting
• We may suspend or terminate accounts involved in suspicious activities
• We cooperate fully with law enforcement and regulatory investigations

7. International Regulations and Compliance

Integra operates in compliance with various international regulations and standards:

7.1 Financial Regulations

• Basel III: International banking regulations for capital adequacy and risk management
• MiFID II: Markets in Financial Instruments Directive (EU)
• Dodd-Frank Act: US financial regulatory reform legislation
• GDPR: General Data Protection Regulation (EU)
• CCPA: California Consumer Privacy Act (US)

7.2 Sanctions and Embargoes

We comply with international sanctions and embargoes, including those imposed by:

• United Nations Security Council
• Office of Foreign Assets Control (OFAC) - United States
• European Union
• United Kingdom
• Other relevant international bodies

We screen all customers and transactions against applicable sanctions lists and will not provide services to sanctioned individuals, entities, or countries.

7.3 Export Control Regulations

Our services and technology may be subject to export control laws and regulations. You agree to comply with all applicable export control laws, including:

• US Export Administration Regulations (EAR)
• International Traffic in Arms Regulations (ITAR)
• EU Dual-Use Regulation
• Other applicable export control laws

8. Global Policies

8.1 Code of Conduct

All users of our Services must adhere to our Code of Conduct, which includes:

• Acting with integrity and honesty
• Respecting the rights of others
• Complying with all applicable laws and regulations
• Maintaining confidentiality of sensitive information
• Reporting violations and concerns

8.2 Data Protection and Privacy

We are committed to protecting your privacy and personal data in accordance with:

• Panama Law No. 81 of 2019 - Personal Data Protection Law
• General Data Protection Regulation (GDPR) - EU
• California Consumer Privacy Act (CCPA) - US
• Other applicable data protection laws

For more information, please review our Privacy Policy.

8.3 Intellectual Property

All content, features, and functionality of our Services are owned by Integra and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.

8.4 Security Policies

We implement comprehensive security measures to protect our Services and your data, including:

• Encryption of data in transit and at rest
• Regular security audits and assessments
• Access controls and authentication mechanisms
• Incident response and breach notification procedures
• Compliance with ISO 27001 and other security standards

9. Service Availability and Modifications

We reserve the right to modify, suspend, or discontinue any part of our Services at any time, with or without notice. We do not guarantee that our Services will be available at all times or that they will be error-free.

We may perform scheduled maintenance that may temporarily interrupt access to our Services. We will make reasonable efforts to provide advance notice of scheduled maintenance.

10. Limitation of Liability

To the maximum extent permitted by law, Integra shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

Our total liability for any claims arising from or related to these Terms or our Services shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless Integra and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with:

• Your access to or use of our Services
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of any applicable laws or regulations

12. Termination

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

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

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

Any disputes arising from or relating to these Terms or our Services shall be subject to the exclusive jurisdiction of the courts of Panama.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last Updated" date.

Your continued use of our Services after any changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using our Services.

15. Contact Information

If you have any questions about these Terms, please contact us:

16. Regulatory References

The following regulations and standards are referenced in these Terms:

• FATF Recommendations on Anti-Money Laundering and Counter-Terrorist Financing
• Basel Committee on Banking Supervision - Core Principles
• Wolfsberg Principles for Private Banking
• Panama Law 23 of 2015 - Anti-Money Laundering Law
• Panama Law 81 of 2019 - Personal Data Protection Law
• EU 4th and 5th Anti-Money Laundering Directives
• US Bank Secrecy Act (BSA) and PATRIOT Act
• General Data Protection Regulation (GDPR)
• ISO 27001 - Information Security Management