1. These terms
By creating an account or joining an organisation on FIClynx, you accept these terms for yourself and, if you act for an organisation, on its behalf. You confirm that you have the authority to do so. “Nuvio” and “we” mean Nuvio (Pty) Ltd.
2. The service
FIClynx lets your organisation verify clients through identity, bank, biometric, company, address and screening checks, and keeps a record of the results. It uses Home Affairs records and licensed data sources, and may retry a check on a backup source if the primary source cannot answer.
3. Your compliance stays yours
FIClynx gives you evidence for customer due diligence. It does not make you compliant on its own. Your organisation remains responsible for its duties under the Financial Intelligence Centre Act, including its Risk Management and Compliance Programme, for choosing which checks each client needs, and for every decision it records.
4. Sandbox and Live
New organisations start in Sandbox, which uses simulated data and is not billed. Sandbox results are not real and must not be relied on. To use real checks, an Owner asks to go Live and gives the organisation’s details. We may approve or decline a request after checking them.
5. Your account
- Give accurate details and keep them up to date.
- Keep passwords, sign-in codes and API keys safe. Actions taken with them are recorded against the person they belong to.
- Give people only the role they need, and remove access when they leave.
6. Acceptable use
Use FIClynx only for lawful verification of people and entities for which your organisation has a valid purpose. Do not run checks without the required legal basis or consent, submit false information, try to get around security or usage limits, or try to access another organisation’s data.
7. Personal information
For the people you verify, your organisation is the responsible party and Nuvio is its operator under the Protection of Personal Information Act. We process that information only on your instructions and for the service, keep it secure, and tell you if we believe it has been accessed without authority. You are responsible for your lawful basis and for what you tell your clients. Our privacy notice has the details.
8. Prices and credit
- FIClynx is prepaid. Your organisation buys credit in rand, and each check deducts its price from that credit.
- Prices on the pricing page exclude VAT, and a written quote or agreement with us takes precedence over them.
- A check is charged once per result, including when the backup source answers. If a check does not produce a result, its price is released.
- We send a tax invoice for each paid top-up. We may change prices, and new prices apply to checks run after the change.
9. Results and availability
Results come from third-party records, which can be incomplete, out of date or wrong, so you should review them before relying on them. We work to keep FIClynx available and secure, but we do not promise uninterrupted service unless we have agreed a service level with you in writing.
10. Intellectual property
Nuvio keeps all rights in FIClynx. Your organisation keeps its rights in its data, and gives us the permission we need to process that data to provide the service.
11. Liability
To the extent the law allows, Nuvio is not liable for indirect or consequential loss, or for errors in third-party records. Our total liability for a claim is limited to the amounts your organisation paid for the service in the 12 months before the claim arose. Nothing in these terms limits liability that the law does not allow us to limit.
12. Suspension and ending
You may stop using FIClynx at any time. We may suspend or end access if these terms are broken, if the law requires it, or to protect the service or other people. Records are kept after an account ends for as long as the law requires.
13. Changes and law
We may update these terms and will publish each new version on this page with a new version number. South African law applies to these terms, and South African courts have jurisdiction.
14. Contact
Questions about these terms: hello@ficlynx.co.za. Company details are in our PAIA manual.