Terms of Service

Who we are

Lynx Renard (“we”, “us”) is a risk advisory and software firm registered in Delaware, at 1201 N Orange St, Wilmington, DE 19801-1155. These terms govern your use of our software products, Lynx and Renard, and any advisory or research work we perform for you.

What we provide

Lynx is a bank and credit union risk platform built on public regulatory filings. Renard is a country and counterparty risk console built on public and licensed data. We also carry out advisory and research engagements, scoped separately in writing.

Software access is provided as a service. We may change, add to, or withdraw features; where a change materially reduces what you are paying for, we will tell you before it takes effect.

Accounts and access

There is no self-service sign-up. Accounts are created by us, for named individuals, after terms are agreed. Invitation links are single-use and expire.

Credentials are personal. Do not share an account, and tell us promptly if you believe one has been compromised. Access is granted per organisation on an agreed number of seats; we may suspend access that appears to be shared beyond them.

Fees

Fees, term and seat count are set out in the order or engagement letter we agree with you. Invoices are payable as stated on them. We may suspend access on materially overdue payment, after telling you first.

What the data is, and what it is not

Our products are built substantially on public regulatory data: Call Reports, NCUA 5300 filings, FDIC and FFIEC aggregates, and comparable public sources, together with our own models and derived measures.

We take care with that data, but we do not originate it and we do not warrant that it is accurate, complete or current. Source agencies restate, revise and withdraw figures, and filings can be wrong at source. Derived measures, scores, forecasts and stress results are estimates produced by models, and models are wrong in ways their authors do not anticipate.

You are responsible for satisfying yourself that any output is fit for the decision you are using it for.

Not advice

Nothing in our software, research or written material is investment advice, legal advice, accounting advice, a credit rating, or a recommendation to enter into any transaction. We are not a nationally recognised statistical rating organisation, an investment adviser, or a broker-dealer, and nothing we provide should be relied on as though we were.

Advisory engagements produce our professional opinion on the question you asked, on the information available when we answered it. They do not transfer the decision, or its consequences, to us.

Acceptable use

Do not resell, redistribute or republish our outputs as a data feed or product; scrape or bulk-extract from the platform; attempt to circumvent access controls; or use the products to build a competing service. You may use outputs freely inside your own organisation, including in internal committee and board materials, with attribution where they leave your organisation.

Intellectual property

We retain all rights in our software, models, methodologies and written material. You retain all rights in data you upload. Where an engagement produces a deliverable for you, you own that deliverable; we keep the underlying methods used to produce it.

Confidentiality

We treat what you tell us about your institution, your portfolio and your questions as confidential, and we will not disclose it except as you direct or the law requires. We may describe engagements in general terms without identifying you.

Your data

We process personal data only as needed to provide the service and to correspond with you. We do not sell it. Where you upload institutional data, it remains yours and is used only to produce your outputs.

Term, suspension and termination

Either of us may end an agreement at the end of its term by notice. We may suspend or end access immediately for material breach of these terms, including misuse of credentials or of outputs. On termination, access ends; you may keep material already delivered to you.

Liability

To the fullest extent the law allows, we are not liable for indirect or consequential loss, lost profit, or loss arising from a decision taken in reliance on our outputs. Our total liability arising from an agreement is limited to the fees paid under it in the twelve months before the claim.

Nothing here limits liability that cannot lawfully be limited.

Governing law

These terms are governed by the laws of the State of Delaware, and the courts of Delaware have exclusive jurisdiction.

Changes

We may update these terms. The date below is when they last changed. Where a change materially affects an active agreement, we will tell the account holder directly rather than relying on this page.

Contact

Questions about these terms: contact@lynxrenard.com.