Terms of Use

1. Description of Service

MSB Status is a compliance intelligence platform providing machine-generated information about US, Canadian, UK, and EU fintech and cryptocurrency licensing, bank-as-a-service (BaaS) relationships, money transmitter licenses, and related regulatory data. The Service is published as a professional research resource and is intended for use by compliance professionals, legal counsel, investors, and entrepreneurs.

2. Not Legal Advice

The information provided by the Service is not legal advice. It does not substitute for advice from a qualified attorney. Use of the Service does not create an attorney-client relationship between you and Adam Atlas Attorneys at Law or any of its attorneys. All information should be independently verified with relevant regulatory authorities before any reliance for compliance, legal, or business purposes.

3. Accuracy of Information

All data on the Service is machine-generated from publicly available sources, including company Terms of Use, cardholder agreements, regulatory registries, and other public documents. We make no representations or warranties — express, implied, or statutory — as to the accuracy, completeness, currency, or fitness for any particular purpose of any information on the Service.

Information may be outdated, incomplete, or incorrect. Regulatory status, licensing relationships, and company structures change frequently. Always verify directly with the relevant regulatory authority or company before making any compliance, legal, or business decision.

4. Permitted Use

You may access and use the Service for your own lawful internal research and compliance reference purposes. You must not:

• Use the Service for any unlawful purpose or in violation of applicable laws or regulations
• Reproduce, distribute, or commercially exploit any content from the Service without our prior written consent
• Scrape, crawl, or systematically extract data from the Service using automated means without our prior written consent
• Use the Service to provide a competing data or intelligence product or service
• Attempt to circumvent any access controls, authentication measures, or rate limits on the Service
• Upload or transmit any malicious code, viruses, or disruptive content
• Impersonate any person or entity or misrepresent your affiliation
• Use the Service in any manner that could damage, disable, overburden, or impair it

5. Accounts and Access

Some features of the Service require registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts at our discretion.

6. Intellectual Property

The Service and its original content, features, and functionality — including but not limited to the platform design, compilation of data, and software — are owned by Adam Atlas Attorneys at Law and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Service in accordance with these Terms.

Information sourced from public regulatory registries, company documents, or third-party sources remains subject to any applicable terms or intellectual property rights of those sources.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ADAM ATLAS ATTORNEYS AT LAW SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO ACCESS THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS (USD $100).

9. Indemnification

You agree to indemnify, defend, and hold harmless Adam Atlas Attorneys at Law and its attorneys, officers, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

10. Third-Party Links

The Service may contain links to third-party websites, including regulatory registries and company websites. These links are provided for convenience only. We have no control over such sites and are not responsible for their content, accuracy, or availability. Linking to a third-party site does not constitute an endorsement by us.

11. Privacy and Cookies

Your use of the Service is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.

12. Modifications

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Service with a new effective date. Your continued use of the Service after any such changes constitutes acceptance of the revised Terms.

13. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to violation of these Terms. Upon termination, all licenses granted to you will cease immediately.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Quebec, Canada, and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the courts located in Montreal, Quebec for any disputes arising out of or relating to these Terms or the Service.

15. Contact