Terms of use

1. Who we are

AML Benchmark is a trading name of Net Werth Ltd, a company registered in England and Wales with company number 12718042. Our registered office is International House, 64 Nile Street, London, N1 7SR. In these terms, “we”, “us” and “our” mean Net Werth Ltd, and “the service” means the AML Benchmark website and the assessments provided through it.

You can reach us at hello@amlbenchmark.com.

2. These terms

By using the service you accept these terms. If you are accepting them for a firm, you confirm you are authorised to do so, and “you” means that firm. If you do not accept them, do not use the service.

3. What the service is, and is not

The service presents simulated financial crime casework, records the decisions a participant makes, and scores them against a published method. It is a diagnostic instrument.

It is not any of the following:

• a regulated activity, or the provision of legal, regulatory or compliance advice;
• a professional qualification, and it confers no regulatory standing;
• accredited continuing professional development. Certificates record assessed learning time in CPD hours, which a holder may self-certify where their own scheme permits, and are not issued under any accreditation scheme;
• a substitute for a firm’s own training, systems and controls obligations.

The customers, transactions and documents in each case are fictional. The methods they are based on are taken from published sources, which are cited on the site.

4. Accounts

The first case needs no account. Beyond that you will be asked to create one. Give accurate details, keep your password to yourself, and tell us promptly if you think someone else has access to your account. An account is personal to one individual and must not be shared.

We may suspend or close an account that is being used in breach of clause 7.

5. Free and paid access

Some of the service is free. Paid plans give the access described at the point of purchase. Prices are in pounds sterling. Net Werth Ltd is not currently registered for VAT, so no VAT is charged and none is shown on invoices.

Individual access is a single payment for the term stated at purchase. It does not renew, no payment details are stored, and there is nothing to cancel — access ends when the term does. Firm licences run for their agreed term and renew only by agreement. We do not refund part-used terms except where the law requires it.

If you are buying as a consumer rather than for a business, you have a statutory right to cancel within 14 days. Where you ask us to begin immediately and we do, that right ends once the service has been fully performed.

6. Firm licences

A firm licence lets an administrator invite people to sit assessments and see results for their firm. If you administer a firm:

• you choose the disclosure mode for each cohort, which determines whether you see individual marks, completion only, or neither;
• you are responsible for telling the people you invite what you will see, and for having a lawful basis for asking them to take part;
• seats are named and must not be shared between people, though they may be reassigned when someone leaves;
• you must not use results as the sole basis for a decision about a person’s employment. See clause 10.

Whatever disclosure mode you choose is stated to each participant before they begin.

7. Acceptable use

You must not:

• copy, publish, resell or otherwise share the content of any case, including its alerts, documents, findings or scoring — the value of an assessment depends on participants not having seen it;
• access the service by automated means, scrape it, or attempt to extract case content or answers in bulk;
• attempt to circumvent access limits, entitlements or scoring, or to reverse engineer any part of the service;
• use the service to build or train a competing product, including training a model on its content;
• upload anything unlawful, or anything containing real customer data. The cases are fictional and free-text answers should be too.

8. Intellectual property

The service, the cases, the typology register and everything else on the site belong to us or our licensors. You get a non-exclusive, non-transferable right to use them for your own or your firm’s internal purposes for as long as your access lasts, and no other rights.

Certificates are yours. You may share, print and submit them, and we keep a public verification page for each one so a third party can confirm it.

9. Availability and change

We aim to keep the service available but do not guarantee uninterrupted access. Cases rotate: we add, retire and replace them, and an assessment you sat may not be available later. Results already recorded are not affected by a case being retired.

10. Liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law.

Results are a diagnostic and must not be used as the sole basis for any regulatory decision, any decision about a person’s employment, or any judgement about whether a firm meets its legal obligations. They measure performance on a simulated case at a point in time, and nothing more.

Subject to that, we are not liable for indirect or consequential loss, loss of profit, loss of business or reputational loss; and our total liability arising out of or in connection with the service is limited to the fees you paid us in the twelve months before the claim arose, or £100 where you have paid us nothing.

11. Ending your access

You may stop using the service at any time and close your account by asking us. We may end or suspend access if you breach these terms. Your results and certificates are deleted when your account is deleted, save where we must keep records for legal reasons — see the privacy policy.

12. Changes to these terms

We may change these terms. If a change materially affects you and you have a paid plan, we will tell you by email before it takes effect, and you may cancel if you do not accept it. The date at the top shows when they were last changed.

13. Law and jurisdiction

These terms are governed by the law of England and Wales, and the courts of England and Wales have exclusive jurisdiction. If you are a consumer resident elsewhere in the UK, you may also bring proceedings in your own courts.