Terms and Conditions

M.L.I. MARKET LINE INTELLIGENCE PRIVATE SECURITY SERVICES LTD

Date: 22/06/2026

M.L.I. MARKET LINE INTELLIGENCE PRIVATE SECURITY SERVICES LTD, is a Company based in Nicosia - Cyprus, and is the owner and exclusively manages the website www.marketline.com.cy.

For the purposes of these terms and conditions, the following words (whether in the singular or the plural) refer to:

• "client" = the individual and/or Company and/or other legal entity that contracts with M.L.I. MARKET LINE INTELLIGENCE PRIVATE SECURITY SERVICES LTD by creating an account (profile) in order to purchase its services through the website of M.L.I. MARKET LINE INTELLIGENCE PRIVATE SECURITY SERVICES LTD.
• "Company" = M.L.I. MARKET LINE INTELLIGENCE PRIVATE SECURITY SERVICES LTD
• "contact address" = [email protected]
• "terms" = terms and conditions
• "user" = the individual and/or Company and/or other legal person who creates a profile for any reason and/or uses the website for any reason
• "website" and/or "site" = www.marketline.com.cy.
• “children” = The Services are not directed to children under 18 and we do not knowingly collect personal information from children under 18.

The following terms and conditions are the rules we follow to ensure that our website is functional and available to be used by you, and we recommend that you read them carefully.

These terms and conditions are absolutely binding on all visitors to our website to the extent that they can apply to each one of them individually.

It becomes clear to you that any use of our website by you constitutes unconditional acceptance of the terms and the Personal Data Protection Policy of our Company.

We strongly suggest that, if you do not agree with any term or terms as they are listed below, you stop using and/or browsing our website. Actions by you using our website constitute consent and acceptance of our terms and conditions, as well as of our Privacy Policy.

Terms

Use, Registration and Account Creation

• The website must be used by people aged 18 years or older.
• Each user may create his own profile, which he will handle exclusively, and only he will be responsible for protecting his personal passwords.
• Each user becomes fully responsible for the activity carried out through his account (profile) and no act or act of his through it shall burden the Company.
• Each user is obliged to inform the Company of any unauthorized use of his account (profile) or any violation thereof.

Legislation and legal framework

• Users must comply with the current legislation of the Republic of Cyprus and the principles imposed by good faith, fair dealing, and commercial ethics.
• The Company does not bear any responsibility in relation to non-compliance with the Laws by any third party.

Information/Data provided by users

• Each user is solely responsible for the information and data they provide and/or publish through the website.
• Each user agrees and undertakes that such information is not false, inaccurate, misleading, offensive, threatening, abusive, malicious, defamatory, and/or otherwise.
• Each user undertakes that the information he provides does not contain pornographic, defamatory, misleading, or, in general, material that infringes the rights of the consumer as provided by law.
• Each User must, and is required to, ensure that the information provided does not infringe any intellectual property, trademark, trade secret, or other right of publicity, privacy, or property, and that it does not violate any law or regulation and is not fraudulent. In addition, each user is required to make sure that he does not create any form of legal liability for the Company.
• Each user confirms that the information he provides does not contain any hijackers, macros, trojans, worms, or anything else that can disrupt the normal functions of the computer, and that the smooth operation of the website will not be affected.
• Each user acknowledges that the Company may remove any information provided/published by him if and when deemed necessary. In addition, he acknowledges that all the information he provides/publishes through the website may be processed in accordance with the Personal Data Processing (Protection of Persons) Law 138 (I)/2001 under conditions of complete confidentiality.

Our Services

M.L.I. MARKET LINE INTELLIGENCE PRIVATE SECURITY SERVICES LTD provides digital protection, privacy, risk intelligence, and business information for individuals and companies, research, screening, compliance, and risk assessment, online AML, credit reports, and individual- related products and services (“Services”). The Services are described on the individual pages for each service, which can be accessed at http://www.marketline.com.cy. We may, at our discretion, periodically change the description or content of our services in order to reflect changes to the service offerings and features, including, without limitation, to reflect enhanced capabilities, changes in the Service Terms, changes in regulatory requirements, and/or any other modification intended to improve the efficacy of the services or better address a perceived need among our customers.

Customer/User Warranties

All customers/users represent and warrant that, while using the Services, they are providing accurate and truthful information, to the best of their knowledge, and that they will not use or provide any fraudulent, misleading, or inaccurate information. The customers/users are also warranting that they are not impersonating any person and do not falsely state or otherwise misrepresent their affiliation with any person.

If the customer/user is providing any information that is, or we suspect is, not true, inaccurate, or incomplete, the Company has the right to suspend or terminate the use of the Services and refuse any and all current or future use of the Services.

Customers/Users also agree to provide all required information, documentation, and GDPR requirements referred to in our PRIVACY POLICY.

Refund Policy - When Allowed

• No refunds for information purchased are usually allowed: Due to the nature of our products (corporate data and information), all sales are final. Once a purchase has been made, we do not offer refunds. This includes any individual reports, subscriptions, or packages of corporate data.
• Exceptions: Refunds are only approved in the cases outlined below.
• In certain circumstances, such as a technical error that prevents the delivery of purchased information or delivery of incorrect data that cannot be corrected (e.g., outdated or incomplete), we may offer a partial or full refund, depending on the nature of the issue. Refunds will be reviewed on a case-by-case basis and are subject to approval.
• Duplicate Transaction/Billing Error: Fully refundable.
• Unauthorized/ Fraudulent Transaction: If your card was used without authorisation. In such a case please contact your issuer and we will be very happy to resolve this for you.
• Subscription Services: If you are subscribing to a recurring service, you may cancel your subscription at any time before the next billing cycle to avoid being charged for the next period. However, refunds will not be provided for previously charged periods.

Refunds When not Allowed

Refunds and chargebacks will be declined when:

• Digital reports have already been delivered or accessed
• Credits have already been redeemed for reports
• Change of mind after reports are generated or credits activated
• Partially used credits: only unused portion refundable if request is within 14 days in EU or within a reasonable time in U.S. and no usage occurred.
• Friendly fraud (Chargeback filed after legitimate delivery or credit use).

Prepaid Credits – Specific Conditions

• Credits = digital Content once posted to your account.
• Unused credits: refundable within 14 days (EU law) or a reasonable timeframe (U.S.), provided no credits are redeemed.
• Used credits: no refund/chargeback, Refunds are governed by applicable consumer laws, possible once credits are applied to a report request.
• Expiration: no refund applies if credits expire unused (as disclosed at purchase).

EU/EEA Consumers – Statutory Rights

• Under Directive 2011/83/EU, consumers have a 14-day right of withdrawal for online purchases.
• Exception: Digital Content (reports/credits) delivered electronically is not refundable once performance begins, provided you consent and acknowledge the waiver.
• Consent is obtained at each checkout.

Chargebacks & Compelling Evidence (Visa/Mastercard/Amex)

If a chargeback is filed after valid delivery of reports or credits, we may submit Compelling Evidence (CE) under Visa CE 3.0, Mastercard, and Amex standards:

• Check out records with express consent to waive withdrawal rights.
• Immutable logs: timestamp, IP, device/browser, order ID, version of terms accepted.
• Account statement logs: when credits were applied, redeemed, or when reports were generated/downloaded.
• Delivery/access evidence: download links opened, portal accessed, emails delivered.
• History of prior undisputed purchases.

This evidence demonstrates that the transaction was legitimate, digital Content was consumed, and the Chargeback is invalid.

Authorisation to recover amounts due

If a Card is overdrawn (i.e. the total amount of any transactions posted to a Card is greater than the original Card value), or the charge to fund a successfully used Card fails to process, you authorize the Company and our Financial Institution Partners to take any of the following actions to recover the remaining amounts from you:

• Debit the credit/debit card or bank account linked to your paid subscription.
• Debit any of your other Masked Cards with a remaining balance.
• Suspend your paid subscription and require your immediate payment; or
• Engage in collection efforts;

Cancellation Policy

• Subscription Cancellations: You may cancel your subscription for alert and monitoring services at any time by contacting our customer support team at [email protected] . Cancellations will be processed within 10 business days. Upon cancellation, you will retain access to the service until the end of the current billing cycle. No further charges will occur after the next billing date.
• Data Purchase Cancellations: Since purchases of corporate data and information are final and non-refundable, cancellation requests for individual data transactions are not accepted once a purchase is confirmed and the information has been delivered.
• Account Termination by the Company: We reserve the right to suspend or terminate any account, without a refund, if we detect fraudulent activity, unauthorized use, or a violation of our terms and conditions. In such cases, access to purchased data or services will be revoked immediately.

How to Request a Refund or Cancellation:

To request a cancellation or discuss a potential refund, please contact our customer service team at [email protected]. Please include your order details, including the purchase date and transaction ID, to help us process your request efficiently.

Changes to the Refund and Cancellation Policy:

We reserve the right to modify or update this Refund and Cancellation Policy at any time. Any changes will be communicated to customers via email or through our website. The updated policy will be effective as of the date specified at the top of this page.

Warranties and Limitation of Liability

The Company shall not be, under any circumstances, liable for negligence for any special or consequential damage resulting from the use of, or the inability to use, the materials on its site, even if the Company or its representative(s) has been advised of the possibility of such damages. In no event shall the Company have any liability to any third party for damages, losses, and causes of action – whether in contract, tort (including, but not limited to, negligence), or otherwise – for accessing its site.

Disclaimer

All information and materials that are provided on the Company’s site are derived from OSINT (Open-Source Intelligence) research and internet- based sources.

All information and materials on the Company’s site are provided without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, the Company disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. The Company does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. The Company does not warrant or make any representations regarding the use or the results of the use of the materials on its site in terms of their correctness, accuracy, reliability, or otherwise. The cost of all necessary service, repair, or correction is assumed by the user(s). Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to some users.

General Provisions

• The Company has the right to change the terms and conditions of the website, as well as its Privacy Policy.
• The Company may modify, suspend, or interrupt part or all of its services without warning, as well as partially or completely, temporarily or permanently interrupt its website.
• The Company has the right to communicate with customers during or after the completion of the work/service and to capture their opinion in relation to the work/services provided.
• The Company reserves the right to remove/delete any review that contains abusive, inappropriate, or defamatory language.
• The Company retains all its copyrights in relation to its website and the information published/provided through it. All copyrights posted by users can be used by the Company for the purpose of undertaking and processing the work/services.
• In case of invalidity of one or more of these terms and conditions, the validity of the rest is not affected.
• Each user acknowledges and accepts that if the Company does not exercise its legal rights or any remedy included in these terms and conditions, this is not considered a waiver of its rights.
• Nothing in these terms and conditions shall be construed as establishing any partnership, joint venture, brokerage, agency, supply, or agency relationship between the parties.

Any clarification or communication may be made via e-mail at [email protected]

These terms and conditions are governed by Cypriot legislation, and in the event of a dispute and a failure to find an out-of-court solution, the competent courts are the courts of the Republic of Cyprus.