Effective Date: 3/25/2026

Welcome to Due Diligence Works, Inc. (“DDW,” “we,” “our,” or “us”). By accessing or using our website, platforms, research, and RegTech solutions (collectively, the “Services”), you agree to the following Terms of Service (“Terms”). If you do not agree, please do not use our Services.

Use of Services

DDW provides product research, due diligence insights, and regulatory technology solutions designed to support financial professionals and institutions.

You agree to use the Services:

-  Only for lawful business purposes

-  In compliance with all applicable laws and regulations

-  In a manner consistent with your firm’s internal policies and supervisory requirements

You are responsible for ensuring that your use of DDW’s Services aligns with your regulatory obligations, including but not limited to best interest standards and documentation requirements.

User Responsibilities
By using our Services, you agree that:
-  You will provide accurate and complete information when required
-  You are responsible for all activity conducted under your account
-  You will maintain the confidentiality of your login credentials
-  You will not misuse, copy, or distribute DDW content beyond permitted use

Data & Privacy

Your use of Services is also governed by our Privacy Policy.

DDW implements reasonable administrative, technical, and physical safeguards to protect information. However, no system can be guaranteed to be completely secure.

Third-Party Content & Integrations

DDW Services may include data, content, or integrations from third-party providers.

-  DDW does not control and is not responsible for third-party content
-  Accuracy, completeness, and timeliness of third-party information are not guaranteed
-  Use of third-party services may be subject to additional terms

Service Availability

We strive to provide reliable access to our Services, but we do not guarantee uninterrupted availability.

DDW reserves the right to:
-  Modify, suspend, or discontinue Services at any time
-  Update features, functionality, or content without prior notice

Limitation of Liability

To the fullest extent permitted by law:
-  DDW shall not be liable for any indirect, incidental, or consequential damages
-  DDW is not responsible for decisions made based on the use of its Services
-  Total liability, if any, shall not exceed the fees paid for the applicable Services

Indemnification
You agree to indemnify and hold harmless DDW, its affiliates, and employees from any claims, damages, or liabilities arising from:
-  Your use of the Services
-  Your violation of these Terms
-  Your failure to comply with applicable laws or regulations

Modifications to Terms

DDW may update these Terms from time to time. Updates will be posted on this page with a revised effective date.

Continued use of the Services after updates constitutes acceptance of the revised Terms.

Governing Law
These Terms shall be governed by and construed in accordance with the laws of New Jersey, without regard to conflict of law principles.

Regulatory Use Disclaimer
DDW’s tools and workflows are designed to support documentation, consistency, and efficiency in regulatory processes. However, they do not replace firm supervision, compliance programs, or regulatory interpretation. Firms remain responsible for ensuring compliance with all applicable rules and standards.

No Investment Advice
DDW’s Services are for informational and decision-support purposes only.
-  DDW does not provide investment, legal, accounting, or tax advice
-  Content and outputs (including research, recommendations, or tools) are not individualized advice or recommendations to buy, sell, or hold any product
-  Final investment decisions remain solely the responsibility of the user and/or their firm