Terms of service
Last updated: 28 August 2026
These terms govern your use of mnd8t, operated by Glencorse Ltd, a company registered in England and Wales (company number 10222791, registered office 20-22 Wenlock Road, London, England, N1 7GU). By creating an account or calling the API you agree to them.
1. What mnd8t is, and what it is not
mnd8t evaluates whether a proposed financial action falls within authority you have defined, returns a decision, and records signed evidence of that decision.
mnd8t does not move money. It holds no customer funds, no payment credentials and no private keys. It does not accept, route or price orders, and it does not select venues or counterparties. You, or a provider you choose, execute every action using credentials that never enter our systems.
Glencorse Ltd is not authorised or regulated by the Financial Conduct Authority. mnd8t is not a payment service, an e-money issuer, a custodian, a bank, a broker or an investment firm, and nothing it produces is financial, legal, tax or investment advice.
mnd8t performs no compliance screening. It does not carry out KYC, AML, sanctions or fraud checks. A decision to approve means the action fits the rules you wrote — nothing more.
The published documentation, including the known-limitations page, forms part of your understanding of the service and you should read it before relying on mnd8t.
2. Service status
mnd8t is offered during an early-access period. It is provided as is and as available, with no service level agreement, no uptime commitment and no guarantee of backwards compatibility, unless we have agreed otherwise with you in a separate written contract. We may change, suspend or withdraw features.
Live-money operation is disabled at the platform level during this period.
3. Your account
You must give accurate registration details and keep your credentials and API keys secret. You are responsible for everything done under your account and your keys. Tell us promptly at security@mnd8t.com if you believe either has been compromised.
You must be at least 18 and, where you act for an organisation, authorised to bind it.
4. Your responsibilities
Because mnd8t decides and you execute, the following are yours:
- The mandate is your instruction. Its limits, counterparties, budgets and windows express your intent. We evaluate what you wrote, faithfully; we do not judge whether it is wise.
- Delegator attestations are your assertion. When you attest that someone holds authority to delegate, we record that claim as evidence. We do not verify it, and recording it does not make it true.
- Valuations are yours. We evaluate the policy amount you supply. We do not convert currencies or price assets.
- Execution is yours. Verifying an authorisation artifact, protecting the credentials that act on it, and reporting outcomes back accurately are your responsibility, as is everything your executor does.
- Compliance is yours. Screening, licensing, reporting and record-keeping obligations remain with you.
5. Acceptable use
You must not use mnd8t to facilitate unlawful activity; attempt to gain unauthorised access to the service or other customers' data; probe, scan or load-test the production service without our written consent (see responsible disclosure); circumvent rate limits or quotas; resell the service without agreement; or misrepresent a mnd8t decision, including presenting an approval as a compliance, creditworthiness or legality determination.
6. Fees
Early-access use may be provided without charge. Where fees apply they will be set out in a separate order form or written agreement, which prevails over this section.
7. Intellectual property
We retain all rights in mnd8t, its software, documentation and brand. You retain all rights in the data you submit. You grant us the licence needed to host and process that data in order to provide the service, and to retain evidence records as described in the privacy policy.
8. Confidentiality
Each of us will protect the other's non-public information with at least reasonable care and use it only to perform under these terms.
9. Warranties and liability
To the fullest extent permitted by law we exclude all implied warranties, including merchantability, fitness for a particular purpose and non-infringement.
We are not liable for: any financial action you or your executor perform, or fail to perform; losses arising from a mandate you wrote; losses arising from credentials or keys you hold; the acts of any payment provider, wallet, custodian or network; or indirect, consequential, special or punitive loss, loss of profit, revenue, goodwill, data or anticipated savings.
Where fees are payable, our total aggregate liability in any twelve-month period is limited to the greater of the fees you paid in that period and [LIABILITY CAP]. Where the service is provided without charge, our total aggregate liability is limited to [FREE TIER LIABILITY CAP].
Nothing here limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.
10. Indemnity
You will indemnify us against claims arising from your use of the service in breach of these terms, from actions you executed, or from mandates or attestations you created.
11. Term and termination
Either of us may terminate at any time on written notice. We may suspend or terminate immediately for a material breach, for unlawful use, or where continued operation poses a security or legal risk. On termination your access ends; the privacy policy governs what happens to your data, including the constraint on deleting individual evidence receipts.
12. Changes
We may amend these terms. Material changes will be posted here and, where significant, notified to account holders before they take effect. Continuing to use the service after that constitutes acceptance.
13. Governing law
These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.
14. Contact
Glencorse Ltd, 20-22 Wenlock Road, London, England, N1 7GU — legal@mnd8t.com