These Terms and Conditions (“T&Cs”) outline the terms of the Seamfix’s $1M Quadruple Protection Guarantee (“Guarantee”), including eligibility criteria, coverage, and claim procedures. By participating in this Guarantee, customers agree to be bound by these terms and conditions.  

1. Definitions

• • Consent Spoofing: A fraudulent act where an attacker mimics a legitimate user’s biometric data to gain unauthorized access, despite the user not providing explicit consent.
  • Unauthorized Access: Any verified access to a customer’s system by an unauthorized entity using compromised biometric data, confirmed by Seamfix’s Security Response Team.
  • Scheduled Maintenance Windows:Pre-notified periods with at least 72 hours’ notice for planned maintenance, upgrades, or repairs by Seamfix.
  • Force Majeure: an unforeseen event beyond Seamfix’s control, including but not limited to acts of God, war, civil riot, governmental conduct or regulation, infrastructure interruptions, failure of third-party service providers, or other sudden affairs beyond the control of Seamfix.
  • Active Paid Subscription: A paid subscription that is continuously active and covers the period from the incident or issue occurrence to the date the claim is made. 

  2. Scope of Guarantee

  The guarantee provided herein applies ONLY to customers who have: 
  1. deployed contact-based fingerprint authentication through our Identity and Access Management (IAM) solution; and
  2. received  a Biometric Guarantee Sign-Off from us upon successful deployment 
  The guarantee consists of the following:  

  2.1. Biometric Accuracy – Up to US$1,000,000 Coverage

  • Seamfix provides 99.8% biometric MFA accuracy.
  • In the event of verified fraud resulting from consent spoofing that leads to unauthorized access, and where the identity compromise is directly and solely attributable to a proven failure of our contact-based fingerprint biometric system, Seamfix agrees to cover actual, documented losses incurred by the customer, up to a maximum of USD $1,000,000.
  Criteria:
  • The customer must have deployed our contact-based fingerprint biometric authentication via the Seamfix IAM solution which should be compatible with Customer’s systems.
  • The customer’s deployment must be tested and signed-off by Seamfix engineers before go-live.
  • The customer must have an active paid subscription and be in good financial standing with Seamfix.
  • Fraud must be as a direct result of identity spoofing or transaction approval based on positive biometric consent granted by our platform
  • The customer must not have materially modified the biometric authentication configuration without prior written approval from Seamfix.
  • The customer must provide all incident data as reasonably requested for verification of claims. 

  2.2. Fraud Detection – Free Upgrade to Enterprise Tier

  • Seamfix IAM platform provides real-time fraud detection.
  In the event of multiple verified unauthorized access events not flagged by our system, the customer is eligible for a 12-month free upgrade to our Enterprise Premium Protection Tier.
  Criteria:
  • The customer must have an active paid subscription and be in good financial standing with Seamfix.
  • The customer’s deployment must be tested and signed-off by Seamfix engineers before go-live.
  • A minimum of three (3) verified unauthorized access events must have occurred within a rolling thirty (30) day period preceding the claim.
  • Claims are subject to verification and must be supported by digital forensic evidence and third-party security reports.
  • Multiple unauthorized access incidents must not result from customer-side misconfigurations, negligence (e.g., use of default passwords), or failure to implement recommended security configurations provided by Seamfix.
  • The customer must provide all incident data as reasonably requested for verification of claims. 

  2.3. Uptime Commitment – 99.99%

  • Seamfix provides 99.99% uptime of our IAM platform excluding scheduled maintenance windows.
  • If unplanned downtime exceeds this threshold in any calendar month, the customer shall be eligible for 3 months of platform usage free of charge.
  • Exclusions include outages caused by force majeure, third-party service providers (e.g., cloud infrastructure), scheduled maintenance and customer-side configurations.
  Criteria:
  • The customer must have an active paid subscription and be in good financial standing with Seamfix.
  • The customer’s deployment must be tested and signed-off by Seamfix engineers before go-live.
  • If actual uptime falls below 99.99% due to unplanned platform outages, which  is confirmed to be attributable solely to Seamfix infrastructure.
  • Seamfix Engineers must confirm that the outage was unplanned and not caused by any excluded events.
  • Claims are subject to verification and must be supported by digital forensic evidence and third-party security reports. 

  2.4. Compliance Alignment Commitment

  • Seamfix commits to aligning with industry-specific audit requirements.
  • In the event that an internal or external audit identifies compliance gaps that are not addressed by the Seamfix IAM solution, Seamfix will work collaboratively with the customer to generate or customize relevant logs and reports at no additional cost.
  • This one-off commitment applies solely to logging and reporting capabilities that are natively available within the Seamfix IAM platform at the time of the audit.
  Criteria:
  • The customer must have an active paid subscription and be in good financial standing with Seamfix.
  • The customer’s deployment must be tested and signed-off by Seamfix engineers before go-live.
  • A documented finding or request must be issued by a certified internal or external auditor referencing a specific compliance requirement or audit gap.
  • The compliance gap must not result from the customer’s failure to configure available features, suppress logs, or ignore previously recommended best practices during deployment.
  • Claims are subject to verification and must be supported by digital forensic evidence and third-party security reports. 

  3. Limitations and Exclusions

  • Guarantees do not apply to :
  deployments using facial recognition, iris scans, voice biometrics, or contactless fingerprint sensors;

  third party claims;

  death of or any bodily or mental injury or disease suffered or alleged to be suffered; claims brought in courts in the United States of America and Canada.

  • Seamfix shall not be liable for:
    • Indirect, incidental, or consequential damages;
    • Data losses not attributable to Seamfix systems;
    • Damages resulting from customer-side negligence or lack of adherence to recommended security practices.
  • Seamfix shall not be held responsible for access events arising from zero-day vulnerabilities, force majeure events, or attacks outside the reasonable control of the platform.
  • Compromise due to vulnerabilities or errors in third-party systems, devices, or integrations not managed by Seamfix.
  • The 99.99% service uptime commitment excludes any service interruptions resulting from:
  • Scheduled or emergency maintenance notified in advance;
  • Events of force majeure ;
  • Failures or outages attributable to third-party service providers (including cloud infrastructure providers);
  • Issues arising from customer-side systems, configurations, or network connectivity.

  4. Claim Process

  • All claims must be submitted within 14 days of the event.
  • Claim submission must include:
    • Detailed incident report,
    • Relevant logs or alerts,
    • Proof of loss/damage where applicable.
  • Seamfix reserves the right to request further evidence or conduct forensic analysis prior to determining eligibility.
  • All decisions by Seamfix regarding the validity and resolution of claims shall be final. 

  5.  Other Terms

  Where a customer claims loss of fund as a result of an alleged fraud, the customer must provide clear and satisfactory proof of such loss to support the claim;

  No more than 2 (two) claims can be made in a calendar year by one customer, and only one claim can be made by such customer per time;

  Seamfix reserves the right to update or terminate this Guarantee at any time provided that at least 30 days’ prior written notice is given to customers through a clear posting on Seamfix’s website. No changes will apply retroactively to already filed or approved claims.

  This Guarantee shall be governed by and construed in accordance with the laws of England and Wales. Any dispute arising out of or in connection with this Guarantee not resolved amicably within thirty (30) days after submission of the claim, shall be referred to and finally resolved exclusively by arbitration, in accordance with the Rules of the London Court of International Arbitration.

  6. Contact

  For questions regarding this Guarantee, please contact: Email: support@seamfix.com