1.1 These Terms of Use (the “Terms”) govern access to and use of the C8 Model Assurance library and form a legally binding agreement between C8 Index Technologies (EU) Limited, trading as C8 Technologies (“C8”, “we”, “us”, “our”), and the person or organisation that uses the Service (the “Subscriber”, “you”, “your”).
1.2 The agreement is formed electronically when you actively accept these Terms and access the Service. If you use the Service on behalf of a company, partnership, fund, institution or other organisation, you confirm that you have authority to bind that organisation to these Terms.
1.3 If you are a consumer (an individual acting wholly or mainly outside your trade, business, craft or profession), the provisions in these Terms marked for Consumers apply to you. If you are acting for business purposes, you are a “Business Subscriber”. Nothing in these Terms limits any right or remedy that cannot lawfully be excluded or restricted.
2.1 “Assurance Content” means the assessments, verdicts, readings of index rules, tie-outs, calibration grades, parameter grids, rebuilt index series, reports, statistics, portfolio comparisons and other information or materials produced by C8 and made available through the Service, excluding content that is demonstrably public through no breach of these Terms.
2.2 “C8 Rebuild” means C8’s own calculation of an index from its published rulebook on independent data. A C8 Rebuild is not the index and is not calculated, published or endorsed by the index sponsor or administrator.
2.3 “Index Data” means index levels, rulebooks, guidelines, methodology documents, names, codes and identifiers published by an index sponsor or administrator, and public ETF prices, that C8 uses in or shows through the Service. Index Data and the related names and trade marks belong to their owners.
2.4 “Service” means the C8 Model Assurance library, including C8’s proprietary software, interfaces, approved AI connections, APIs and other delivery mechanisms through which Subscribers may obtain Assurance Content.
2.5 “Permitted User” means the individual Subscriber and, where the applicable plan expressly allows multiple users, any user authorised by the Subscriber and C8 under that plan. Credentials and access rights are personal to the Permitted User and may not be shared.
2.6 “Third-Party AI Platform” means a third-party application or service through which C8 may make the Service available, including Claude (Anthropic), ChatGPT (OpenAI) and any other platform C8 may support from time to time.
3.1 From 12 October 2026 to 8 January 2027 (the “Pilot”), the Service is made available without a separate fee to Subscribers who hold an active C8 Allocator Agent subscription. Fees, billing, renewal and cancellation of that subscription are governed by the Allocator Agent Terms of Use.
3.2 C8 may extend or end the Pilot, and may offer the Service as a separate subscription afterwards. Any fee for the Service will be shown, and accepted by you, before it is charged; the Service will not be billed during the Pilot.
3.3 If your Allocator Agent subscription ends, your access to the Service ends with it, unless C8 has agreed otherwise in writing.
4.1 C8 may make the Service available through one or more approved connection methods, including connections to Third-Party AI Platforms. Human users connect through C8’s authentication and authorisation flow rather than by receiving or copying a long-lived API key.
4.2 For Third-Party AI Platforms, C8 may use OAuth or another secure authorisation mechanism so that the platform receives a limited credential without exposing a C8 API key to the Subscriber. You must complete any required C8 sign-in and must not attempt to bypass the authentication, entitlement or rate-limiting controls.
4.3 You are responsible for keeping your account, login, devices and any credentials secure and for activity performed through your account, except to the extent caused by C8’s breach of applicable law or its own security obligations. You must promptly notify C8 of suspected unauthorised access.
4.4 C8 may impose reasonable usage limits, rate limits or technical controls to protect the Service and other users. You must not access the Service in a manner reasonably likely to overload, disrupt or impair it.
5.1 Subject to these Terms, C8 grants the Subscriber a limited, revocable, non-exclusive, non-transferable, non-assignable and non-sublicensable right, during the term of access, for Permitted Users to access and use the Service and Assurance Content solely for the Subscriber’s own personal use or internal business purposes (as applicable).
5.2 The licence does not transfer ownership of any C8 intellectual property, data, methodologies, software or Assurance Content, and grants no right in Index Data beyond viewing it within the Service.
5.3 A Business Subscriber may use Assurance Content internally to inform its own research, due diligence, product review and portfolio work. A Business Subscriber that advises or manages portfolios for its own clients may share with a client the conclusions of its own analysis, including limited extracts of Assurance Content attributed to C8, as part of its service to that client. The Service may not be used to provide Assurance Content as a service, data feed or product to another person, and extracts may not be shared systematically or in bulk.
6.1 You must not, and must not permit any other person to:
6.2 You may not rely on a Third-Party AI Platform’s technical ability to copy, export, share or automate content as permission to do so. Your use of Assurance Content remains subject to these Terms regardless of the interface through which it is accessed.
6.3 If you become aware of unauthorised redistribution, credential sharing, scraping or other misuse of Assurance Content, you must take reasonable steps to stop it and promptly notify C8.
7.1 All intellectual property rights in or relating to the Service and Assurance Content, including C8 Rebuilds, assessments, grading methods, software, database rights, know-how, documentation and trade marks, are and remain owned by C8 or its licensors.
7.2 Index names, codes, RICs, rulebooks and published levels belong to the relevant index sponsors, administrators and data owners. C8 is independent of them. Their appearance in the Service does not mean that any of them has reviewed, approved or endorsed the Service or any Assurance Content, and C8 makes no claim to their rights.
7.3 C8 reserves all rights not expressly granted by these Terms, including the right to provide the Service and Assurance Content through present or future technologies and interfaces.
7.4 Any feedback you voluntarily provide about the Service may be used by C8 to improve its products and services without payment to you, provided C8 does not thereby obtain ownership of your confidential information or personal data.
8.1 Access through a Third-Party AI Platform may require a separate account or licence with that provider. Your use of that platform is also governed by the provider’s own terms, privacy notice and technical policies.
8.2 C8 does not control a Third-Party AI Platform and is not responsible for its availability, user interface, model behaviour, account rules or independent processing of information. C8 may change, suspend or withdraw an integration if the provider changes its platform or if C8 considers the integration insecure, non-compliant or operationally impractical.
8.3 Responses displayed by a Third-Party AI Platform may include natural-language generation, summarisation or formatting performed by that platform around C8-provided data or tools. You should distinguish Assurance Content from explanatory text generated by the platform or from any other data not sourced from the Service.
8.4 You are responsible for deciding what information you submit through the Service or a Third-Party AI Platform. Do not provide client names or other confidential, personal, regulated or sensitive information unless you are authorised to do so and have satisfied yourself that the relevant platform and C8 connection are appropriate for that information.
9.1 C8 is not acting through the Service as your or your clients’ investment adviser, portfolio manager, fiduciary, broker, dealer, tax adviser or legal adviser, and does not make investment decisions for you or your clients.
9.2 Assurance Content is C8’s reading and reconstruction of public documents and published data. A C8 Rebuild may differ from the official index, and C8’s reading of a rulebook may differ from the sponsor’s or administrator’s. The official index levels and the documents published by the index sponsor or administrator prevail.
9.3 Published index levels before an index’s live date are typically the sponsor’s hypothetical backtest. Backtested and simulated performance has inherent limitations, and past or modelled performance does not guarantee future results.
9.4 Any product linked to an index, such as a structured note or an annuity, has its own terms, costs, credit risk and features that the Service does not assess. If you are a regulated professional, you remain solely responsible for the suitability and appropriateness of any product or recommendation for a client and for your regulatory obligations. You should obtain independent professional advice appropriate to your circumstances before acting on information obtained from the Service.
10.1 C8 will provide the Service with reasonable care and skill and in accordance with any mandatory statutory standard that applies to the Subscriber.
10.2 Because the Service depends on software, networks, data sources and third-party systems, C8 does not promise uninterrupted or error-free availability. C8 may perform maintenance, respond to security incidents, change infrastructure or temporarily restrict access where reasonably necessary.
10.3 C8 may update the Service, the indices it covers, its methods, interfaces, supported AI platforms and documentation over time, and may add, revise or remove an index or an assessment, for example when a sponsor changes a rulebook or revises published levels. Every answer states the library’s as-of date.
10.4 Index Data is obtained from public sources C8 considers reliable but may contain errors, delays, omissions or later revisions. C8 does not guarantee that Index Data is complete or current, and does not verify it independently unless C8 expressly states otherwise.
11.1 You must use the Service lawfully and in accordance with these Terms, applicable financial-services, marketing, sanctions and anti-bribery laws, and any reasonable technical instructions notified by C8.
11.2 You are responsible for the accuracy of information you provide to C8, including account and user information.
11.3 You must maintain appropriate security measures for your use of the Service and must not introduce malware, malicious code or other material intended to damage, disrupt or gain unauthorised access to C8 or another person’s systems.
11.4 If you are a Business Subscriber, you are responsible for ensuring that your Permitted Users comply with these Terms.
11.5 The questions you ask the Service, such as the index, a date window or a weight, are used only to produce the answer and are not stored, as described in the Privacy Notice.
12.1 Non-public Assurance Content, technical information and credentials are C8 confidential information. You must protect them using reasonable care and may use them only as permitted by these Terms.
12.2 C8 will handle personal data in accordance with applicable data protection law and the Model Assurance Privacy Notice, which explains how C8 acts as controller for account, support, security and service-administration data.
12.3 Nothing in this Clause prevents a party from disclosing information where required by law, regulation, court order or competent authority, provided that the disclosing party complies with any lawful confidentiality obligations that continue to apply.
13.1 C8 may suspend or terminate access if: (a) your Allocator Agent subscription or other entitlement is no longer active; (b) you materially breach these Terms; (c) C8 reasonably suspects unauthorised redistribution, credential compromise, security abuse or intellectual-property infringement; (d) continued provision would be unlawful; (e) an index owner requires C8 to stop showing its Index Data; or (f) suspension is reasonably necessary to protect the Service or other users.
13.2 C8 may terminate immediately for deliberate or material redistribution, resale, sublicensing, systematic extraction, presentation of a C8 Rebuild as the official index, use of Assurance Content outside the licensed scope, or use intended to create a competing product.
13.3 Where a breach is capable of remedy and immediate suspension is not reasonably necessary, C8 will normally give a Business Subscriber a reasonable opportunity to remedy the breach. This does not limit C8’s right to act immediately where delay could cause material harm.
13.4 On termination or expiry, your right to access and use the Service ends. You must stop using Assurance Content and, to the extent reasonably practicable, delete locally stored copies that you are not legally required to retain. Any lawful archival copy remains subject to the confidentiality, intellectual-property and no-redistribution restrictions in these Terms.
13.5 Clauses intended by their nature to survive termination, including Clauses 6, 7, 9, 12, 15, 17 and 18, continue to apply.
14.1 If you are a Consumer, these Terms do not exclude or restrict statutory rights relating to digital content, digital services, services, unfair terms, cancellation, refunds or remedies where those rights cannot lawfully be excluded or restricted.
14.2 If the Service does not conform to the contract or C8 fails to provide it with the standard required by applicable consumer law, you may be entitled to repair, repeat performance, price reduction, cancellation, refund or other statutory remedies depending on the circumstances.
14.3 Nothing in these Terms requires a Consumer to submit a dispute to private arbitration or prevents a Consumer from using any court, complaint body or statutory remedy available under applicable law.
15.1 Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or liability that cannot be excluded under applicable consumer law.
15.2 If you are a Consumer, C8 is responsible for loss or damage that is a foreseeable result of C8’s breach of these Terms or failure to use reasonable care and skill, but is not responsible for loss or damage that is not foreseeable or that arises from use of the Service for business purposes.
15.3 C8 is not responsible for investment or trading losses merely because a Consumer chose to act or not act on information from the Service, except to the extent such liability cannot lawfully be excluded in the circumstances.
15.4 For Business Subscribers, the Service and Assurance Content are provided on an “as is” and “as available” basis to the maximum extent permitted by law. Except as expressly stated, C8 excludes implied warranties, conditions and representations, including as to merchantability, fitness for a particular purpose and non-infringement, to the extent such terms may lawfully be excluded.
15.5 C8 is not liable to a Business Subscriber for indirect, special or consequential loss, or for loss of profit, revenue, business, opportunity, goodwill, anticipated savings, investment performance or trading results, or for claims made by the Business Subscriber’s clients, arising out of or in connection with the Service, whether in contract, tort (including negligence), breach of statutory duty or otherwise, except where such exclusion is prohibited by law.
15.6 Subject to Clause 15.7, C8’s total aggregate liability to a Business Subscriber arising out of or in connection with the Service and these Terms will not exceed the greater of the fees paid or payable for the Service during the 12 months immediately preceding the event giving rise to the claim and EUR 100.
15.7 Nothing in Clauses 15.4 to 15.6 excludes or limits liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot lawfully be excluded or limited.
16.1 C8 may amend these Terms to reflect changes in law, regulation, security requirements, technology, supported platforms, the indices covered or the Service, including at the end of the Pilot. C8 will make the current version available at this address and identify its effective date.
16.2 For material changes that adversely affect an existing Subscriber, C8 will give reasonable advance notice where practicable and, where required by law, obtain fresh acceptance before the change takes effect.
17.1 C8 is not liable for delay or failure caused by events outside its reasonable control, provided this does not excuse obligations that applicable law does not permit C8 to exclude.
17.2 You may not assign, transfer or sublicense your rights under these Terms without C8’s prior written consent. C8 may assign these Terms to an affiliate or to a successor in connection with a merger, reorganisation, sale of business or transfer of substantially all relevant assets, subject to applicable law.
17.3 If any provision is invalid or unenforceable, it will be treated as modified to the minimum extent necessary or severed, and the remaining provisions will continue in force.
17.4 A delay or failure to enforce a right is not a waiver of that right.
17.5 These Terms and any documents expressly incorporated by reference form the entire agreement relating to the Service and supersede prior discussions or agreements about the same self-service access. This does not exclude liability for fraudulent misrepresentation and does not override mandatory consumer information forming part of the contract by law.
17.6 C8 may send operational or legal notices by email to the address associated with the Subscriber’s account, through the Service, or by another durable electronic method reasonably appropriate to the notice. You must keep your contact details current.
18.1 These Terms are governed by the laws of England and Wales, except that a Consumer retains the protection of any mandatory law that applies in the country in which the Consumer habitually resides and that cannot lawfully be displaced by this choice of law.
18.2 If you are a Business Subscriber, the courts of England and Wales have exclusive jurisdiction over disputes arising out of or in connection with these Terms, unless C8 and the Business Subscriber agree otherwise in writing.
18.3 If you are a Consumer, you may bring proceedings in any court available to you under applicable consumer law. Nothing in these Terms requires you to use arbitration or deprives you of a mandatory consumer remedy.
18.4 Before commencing formal proceedings, the parties should where reasonable first try to resolve the issue through C8 support at support@c8-technologies.com.
C8 Index Technologies (EU) Limited
Penrose Wharf, Penrose Quay, Cork, T23 XN53, Ireland
Irish company number: 660194
Email: support@c8-technologies.com