Terms of Service

Version 1.4 · Last updated 14 August 2026

These Terms form a binding contract between you and AML Certification Centre OÜ. Read them carefully. By creating an account or using the AML Certification Centre Learning Platform you agree to be bound by them.

1. Who you are contracting with

You are contracting with AML Certification Centre OÜ (referred to here as AML Certification Centre, we, us, our), an Estonian private limited company.

The trading name AML Certification Centre is owned by the company above.

2. Definitions

• Platform — the AML Certification Centre Learning Platform at learn.amlcertification.com and any sub-domain or service we link to it (including the certificate-verification platform at credentials.amlcertification.com).
• Programme — a structured course offered on the Platform, made up of one or more modules, simulators, assessments and webinars.
• Content — all material we make available on the Platform: text, video, audio, images, simulators, assessments, webinars, downloadable resources, certificates and any associated metadata.
• Account — your registered user record on the Platform.
• Consumer — a natural person acting outside of their trade, business, craft or profession. Consumers have additional statutory rights described below.
• Business customer — a legal person, or a natural person acting in the course of their trade, business or profession.
• Public-sector customer — a contracting authority within the meaning of Estonian or EU public-procurement law.

3. Accounts and eligibility

3.1 You must be old enough to contract

You must be at least 18 years old to enter into these Terms on your own behalf. If you are between 16 and 18 you may use the Platform only with your parent's or guardian's consent. The Platform is not directed at children under 16 and you must not create an account on behalf of such a child.

3.2 Your registration

When you create an account you must:

• give us true, accurate and complete information;
• choose a strong password and keep it confidential;
• enable two-factor authentication if you hold an administrator or assessor role;
• update your details when they change;
• not share your login credentials with any other person.

You are responsible for everything that happens on your account until you tell us it has been compromised.

3.3 Corporate-managed accounts

If your account was created by your employer or another organisation (for example through a corporate enrolment), that organisation may have additional contractual rights regarding your account — including the right to receive completion reports and certificates issued to you. Where this is the case, you are still our direct user and the privacy and data-subject rights in our Privacy Policy apply to you personally.

4. The service we provide

4.1 Programmes and certificates

We provide self-paced and instructor-supported training on anti-money-laundering, financial crime and related topics. The catalogue, scope, learning outcomes, estimated duration and price of each Programme are described on the Platform's catalogue page.

Where a Programme is accredited (see our Accreditation page), we will issue an accredited certificate of completion when you have:

• completed every published submodule;
• passed every required assessment and capstone simulator at or above the published pass threshold;
• met any cooldown requirements between retake attempts.

Certificates are issued through credentials.amlcertification.com, our own credential platform, and carry a public verification URL that anyone you share the certificate with can use to confirm its authenticity.

4.2 Programme content, versions and updates

We continuously improve our content. We may add, change, remove or replace material in a Programme. Material changes that meaningfully affect the learning outcomes will be flagged on the Platform; minor improvements will be made silently.

Programmes are published in versions. Each version reflects the law, regulatory guidance and typologies as at the date stated on it. Your purchase entitles you to the version current at your date of purchase (see §4.5). Substantive new versions — new editions, added modules, regulatory refreshes — are a benefit of an active AML Certification Centre membership, or of an organisational licence that includes updates; they are not part of a one-off purchase. Where we choose to make a newer version available to non-members at no charge, that is discretionary and does not create an entitlement to future updates.

If we materially change a Programme after you have enrolled but before you complete it, we will let you know and, where reasonable, allow you to complete the Programme under either the version in force at your enrolment or the new version.

4.3 No guarantee of professional outcome

Our Programmes are educational. We do not guarantee that completing any Programme will lead to a particular job, promotion, regulatory licence or commercial outcome.

4.4 Acceptable use

You agree not to:

• share, sub-licence, resell or redistribute Programme content;
• attempt to record, screen-capture, scrape or systematically download Programme content;
• use the Platform to send spam, malware, infringing content or anything illegal;
• impersonate any person, misrepresent your affiliation, or use another person's account;
• attempt to gain unauthorised access to any part of the Platform, any other user's account, or any sub-processor's systems;
• use any automated tool (bot, scraper, AI agent, etc.) to interact with the Platform other than for accessibility purposes you have a genuine need for;
• attempt to circumvent any pass-threshold, gating, retake-cooldown or anti-cheat measure;
• present an AML Certification Centre-issued certificate as awarded for a Programme other than the one it was actually issued for, or in a way that misrepresents the body that accredited it.

Breach of this section may lead to immediate suspension or termination of your account, revocation of any certificate that was obtained in breach, and (in serious cases) civil or criminal proceedings.

4.5 Access duration — what "lifetime access" means

Where a Programme is offered with "lifetime access" (or with no stated access period), this section defines exactly what you buy:

• Duration. "Lifetime" means the operating lifetime of the Platform, not a natural lifetime: you keep access to the Programme for as long as we operate the Learning Platform, with no recurring fee for that continued access.
• The version as at purchase. Your purchase gives you enduring access to the version of the Programme available on your date of purchase. It does not include future versions, new editions, added modules or regulatory refreshes — those are a membership or licensed-updates benefit (§4.2). The Programme page states each version's content-currency date.
• Corrections are always included. We will correct errors in the version you purchased and provide any updates necessary to keep it in conformity with its description — including security fixes — at no additional charge. Nothing in this section limits your statutory rights, including your rights in respect of digital content under Directive (EU) 2019/770 as implemented in Estonian law.
• Content states the law as at its version date. Compliance training describes the regulatory position as at the version's stated date. That a purchased version continues to state that position, rather than tracking later changes in the law, is how the version model is designed to work and is reflected in the price of a one-off purchase; the version date is always visible so you know the currency of what you are studying.
• Certificates are independent of access. Certificates you have earned remain valid per §6.2 and verifiable per §6.4, regardless of the later availability of the Programme or the Platform.
• Retirement and wind-down. If we retire a Programme or discontinue the Platform, we will give you as much advance notice as reasonably practicable — at least six months, save where a legal, accreditation or licensing requirement forces faster withdrawal — and a reasonable opportunity to complete a Programme you are partway through. Your statutory remedies remain unaffected.

5. Pricing, payment, VAT and refunds

5.1 Pricing

The price of each Programme is shown in EUR on the catalogue page and at checkout. Prices include any applicable VAT charged to Consumers in the EU under the relevant country's rate; Business and Public-sector customers are invoiced under the standard reverse-charge or direct-VAT rules depending on country and tax-residency status. AML Certification Centre is VAT-registered in Estonia under VAT number EE102618918 and invoices VAT country-by-country in accordance with EU VAT rules.

5.2 Payment

Payments are processed by Stripe Payments Europe Limited ("Stripe"). We do not see or store your card details — Stripe returns only an irreversible reference. By paying for a Programme you also agree to Stripe's terms.

5.3 Refunds (Consumers)

If you are a Consumer (acting outside your trade, business or profession), you have a statutory right to withdraw from this contract within 14 days under Estonia's Consumer Protection Act and EU Consumer Rights Directive. The 14 days run from the date your enrolment is confirmed.

In practice, our refund window is:

You can request a full refund within 14 days of purchase, or until you complete your first submodule of the Programme — whichever happens first.

To exercise the right of withdrawal, email [email protected] from the email address on your account with the words "I want to withdraw from this enrolment" and the Programme name. We will refund the price to the original payment method within 14 days of receiving your withdrawal notice.

Loss of the statutory right. Under EU law, the 14-day statutory withdrawal right is lost when (a) you have given express consent to immediate performance of a digital-content contract and (b) you have acknowledged you lose the withdrawal right by doing so. At programme kick-off you may be asked to give this consent if you want to start a programme inside the 14-day window. Completing your first submodule is the point at which that immediate performance has been delivered, so the refund window closes then even if fewer than 14 days have passed. If you have not given that consent, your statutory 14-day right is unaffected — nothing in these Terms shortens a right the law gives you.

5.4 Refunds (Business customers)

If you are a Business customer, you do not have a statutory cooling-off right, and fees for Business purchases are non-refundable — we do not offer a change-of-mind refund window for business purchases. Two things are unaffected: your individual purchase order or framework agreement, which prevails wherever it provides otherwise; and §8.3, which still gives a pro-rata refund if we terminate your account for reasons other than your breach.

5.5 Refunds (Public-sector customers)

Refund terms for Public-sector customers are governed by the underlying procurement contract and override any clause of these Terms inconsistent with that contract.

5.6 Failed payments and unpaid invoices

If a payment fails or an invoice remains unpaid past its due date we may suspend access to the Programme until the invoice is settled. We will give you notice and a reasonable cure period before suspending.

6. Certificates and credentialing

6.1 What a certificate is

An AML Certification Centre certificate confirms that you have, on the issue date, satisfied the published completion criteria for the Programme to which it relates and that the Programme is — at that time — accredited by the body or bodies named on the certificate.

6.2 Validity

Certificates carry an issue date and (where applicable) an expiry date in line with the underlying accreditation. Certificates without an expiry date remain valid indefinitely but reflect knowledge as of the issue date.

6.3 Revocation

We may revoke a certificate if we determine, after a reasonable investigation, that it was obtained through fraud, cheating, impersonation or breach of these Terms. We will notify you in writing before revoking unless doing so would prejudice the integrity of an ongoing investigation. You may appeal a revocation in writing to [email protected]; we will respond within 14 days.

6.4 Verification

Anyone you share a certificate URL with can verify its authenticity via the public verification page on credentials.amlcertification.com. We do not disclose information beyond what appears on the certificate.

6.5 CPD credits — two kinds

We issue continuing professional development (CPD) credit in two clearly separated forms:

• Accredited CPD. Where a Programme is accredited by The CPD Standards Office (CPDSO), we say so on the Programme page and the certificate carries the CPDSO mark. Only awards that carry the accrediting body's mark are third-party-accredited CPD.
• Centre CPD Points. For webinars, events, short courses and other learning activities, AML Certification Centre issues its own CPD points on the basis of one point per hour of structured learning. Centre CPD Points are issued on our own authority and are not accredited by CPDSO or any other external body; the certificate or record for the activity states this clearly.

Whether a professional body, regulator or employer accepts any CPD credit — accredited or Centre-issued — is always at that organisation's discretion. We keep evidence of the completion or attendance behind every CPD credit we issue (see the Privacy Policy) so you can substantiate your CPD record if asked. You must not present Centre CPD Points as accredited CPD.

7. Intellectual property

7.1 Our IP

All Programme content, the Platform code, the AML Certification Centre brand and certificate templates are owned by AML Certification Centre OÜ or licensed to it. Nothing in these Terms transfers ownership to you. You are granted a limited, personal, non-exclusive, non-sublicensable, non-transferable licence to access and use the Content for your own learning purposes, for as long as you have a valid enrolment and an active account in good standing.

7.2 Your input

Anything you submit — assessment answers, simulator decisions, notes, highlights, free-text feedback — remains yours. By submitting it you grant us a non-exclusive, royalty-free licence to store, process and use it for the purposes of providing the Platform to you (grading, certifying, supporting you) and for our internal quality-improvement and research purposes, in aggregated or anonymised form. We will never publish your individual submission with your name attached without your separate consent. For the avoidance of doubt, this licence does not permit us to use your submissions to train artificial-intelligence or large-language models, or to send them to a third-party AI service — see the Privacy Policy, “Use of artificial intelligence (AI)”.

7.3 Open-source components

The Platform incorporates open-source software components, each governed by its own licence. A current list is available on request.

8. Suspension and termination

8.1 Termination by you

You can close your account at any time from the /profile page (look for "Delete my account"). We will action your closure as described in §8 of the Privacy Policy — i.e. anonymisation rather than hard deletion where we are required to keep an attainment record for accreditation or legal reasons.

8.2 Termination by us

We may suspend or terminate your account, with notice where reasonably possible, if:

• you have materially breached these Terms (including the Acceptable Use rules in §4.4);
• you have given us false or misleading information at registration;
• you have not paid an outstanding invoice within 30 days of its due date;
• we are required to do so by law or by court order;
• you have not signed in for more than 24 consecutive months.

8.3 Refund on termination

If we terminate your account for reasons other than your breach of these Terms, and you have unused paid access to a Programme, we will refund a pro-rata amount calculated against the unused portion of the Programme.

If we terminate your account for breach of these Terms, you are not entitled to a refund of any fees paid.

9. Disclaimers

9.1 The Platform is provided "as is" subject to applicable law

To the extent permitted by Estonian and EU law, we provide the Platform on an "as is" and "as available" basis. We do not warrant that the Platform will be uninterrupted, error-free, fit for any particular purpose other than as expressly described in these Terms, or that defects will be corrected immediately.

9.2 Statutory rights of Consumers are unaffected

If you are a Consumer, nothing in this section limits any non-excludable statutory right you have under Estonian or EU consumer law. In particular, your right to a remedy for content of unsatisfactory quality under the Estonian Law of Obligations Act is unaffected.

10. Liability

10.1 What we are responsible for

We accept liability for personal injury or death caused by our negligence, for fraud, and for any other liability that cannot be excluded or limited under Estonian law.

10.2 What we are not responsible for

To the extent permitted by law, we are not liable for:

• loss of profit, loss of revenue, loss of business opportunity, loss of anticipated savings, or loss of goodwill;
• any indirect or consequential loss;
• any loss arising from your decision to act, or not act, on the basis of educational content that you obtained from the Platform.

10.3 Liability cap

To the extent permitted by law, our total aggregate liability to you under or in connection with these Terms is capped at the higher of:

• EUR 500, or
• the fees you have paid us in the 12 months preceding the event giving rise to liability.

10.4 No cap on cap-excluded items

The cap in §10.3 does not apply to liabilities we cannot exclude or limit under Estonian law (e.g. personal injury, fraud, gross negligence, breach of mandatory consumer protections).

11. Indemnity (Business and Public-sector customers only)

If you are a Business customer or a Public-sector customer, you will indemnify and hold us harmless against any third-party claim arising from your breach of §4.4 (Acceptable Use) or §7 (Intellectual Property), including reasonable legal fees. Consumers are not subject to an indemnity obligation.

12. Privacy and security

How we handle your personal data is set out in the Privacy Policy. Cookies are described in the Cookie Policy. We engage service providers to process personal data on our behalf, each under a data-processing agreement meeting GDPR Art. 28 requirements. The categories of provider are set out in the Privacy Policy; we will identify the specific providers, and supply copies of the agreements or Standard Contractual Clauses in place with them, on request to [email protected].

Business and Public-sector customers may ask to be notified by email when we change a provider. You may object to a new provider on reasonable data-protection grounds within 30 days of notification; we will work in good faith to find a mutually acceptable alternative, and if we cannot, you may terminate the affected service on reasonable notice.

By using the Platform you confirm that you have read the Privacy Policy.

13. Force majeure

Neither party is liable for failure to perform under these Terms to the extent caused by events beyond its reasonable control, including acts of war, civil unrest, governmental orders, epidemic, pandemic, internet or power-grid outages, or sustained failure of a critical sub-processor. The affected party must use reasonable efforts to mitigate and resume performance as soon as practicable.

14. Changes to these Terms

We may change these Terms from time to time. Substantive changes will be communicated by:

• updating the version number and last-updated date at the top of this document;
• displaying an in-platform banner on your next sign-in asking you to re-acknowledge the new Terms;
• if you hold marketing-consent on file, also notifying you by email.

Continued use of the Platform after you have been notified of a change constitutes acceptance. If you do not accept a change, you can terminate under §8.1.

15. Governing law and jurisdiction

These Terms are governed by the laws of Estonia (without regard to its conflict-of-laws rules).

Any dispute arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of Harju County Court (Harju Maakohus) in Tallinn, Estonia. Nothing in this clause prevents a Consumer from bringing proceedings in the courts of their EU country of residence as permitted under Regulation (EU) No 1215/2012.

16. Online dispute resolution (Consumers)

The European Commission operates an Online Dispute Resolution platform for cross-border consumer disputes: https://ec.europa.eu/consumers/odr/. You may also refer a dispute to the Estonian Consumer Disputes Committee (Tarbijavaidluste Komisjon): https://komisjon.ee/en.

17. Miscellaneous

• Entire agreement. These Terms (together with the Privacy Policy, Cookie Policy and any procurement contract for Public-sector customers) form the entire agreement between you and AML Certification Centre.
• Severability. If any provision is found unenforceable, the rest remains in force.
• No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights to a successor entity (e.g. on corporate reorganisation) on notice to you.
• Notices. We give notice by posting in-platform or emailing the address on your account. You give notice to [email protected].
• Language. These Terms are provided in English. If we publish a translation, the English version prevails in the event of a conflict, save where a Consumer relies on a translated version we ourselves published in their EU country of residence (in which case the translated version applies as a matter of consumer protection).

18. Contact