Legal

Criterica Terms of Service

Effective date: October 2026 · Splitifi, LLC · Criterica Group is a Splitifi company · Version 2026-10-16

1. Who we are and what these Terms cover

These Terms are an agreement between you and Splitifi, LLC, a Florida limited liability company operating as Criterica Group ("Criterica", "we", "us"). Criterica Group, Criterica Intelligence, Criterica Capital and Criterica Atlas are brands and services of Splitifi, LLC.

These Terms apply to every Criterica website, to the Criterica Atlas platform ("Atlas"), and to any report, data product or service we provide (together, the "Services"). If you use the Services for an organization, you accept these Terms for that organization, and "you" means that organization and its authorized users.

Some Services also carry their own terms, which apply in addition to these Terms, and take precedence for that Service if they conflict:

  • the Commercial Schedule (purchases, subscriptions, seats, credits, cancellations and refunds);

  • API terms, for API access;

  • data room confidentiality terms, for transaction data rooms;

  • partner and referral terms, for partner accounts;

  • any financing, capital-provider or referral agreement, for financing;

  • any data processing or business associate agreement, for processing that requires one.

A Service that requires its own terms is not available until those terms are in place.

2. Accounts and authorized users

  • An organization's workspace is created by the person who registers it, who becomes its owner. The owner and admins decide who else may use it.

  • Each user must have their own login. Credentials are personal and may not be shared.

  • You are responsible for activity under your organization's accounts and for keeping the list of users current.

  • You confirm that the information you give at registration is accurate, and that you are authorized to accept these Terms for your organization.

  • Organization accounts. These are for organizations and their authorized users, for professional and institutional use.

  • Individual claimant accounts. We plan to offer accounts to individuals about their own legal claim. Until then, individuals may contact us through our websites under our Privacy Policy. When we offer these accounts, they will be governed by these Terms and the Claimant Terms, which add consumer disclosures and protections for individuals; where the two conflict, the Claimant Terms will govern. Registration will then ask whether you are signing up as an organization or as an individual.

3. Permitted use

You may use the Services only for legitimate professional or institutional purposes, including evaluating legal assets and claims, underwriting analysis, legal outcome research, portfolio monitoring, and managing business relationships. You may not:

  • use the Services to build a competing data product;

  • reverse engineer our models or databases;

  • harvest or scrape content;

  • submit information you have no right to submit;

  • use the Services for any unlawful purpose.

4. Customer Materials

  • Ownership. You keep ownership of the information, documents, files and data you or your users submit ("Customer Materials"). These Terms do not transfer ownership of Customer Materials to us.

  • Your permission to us. You give us permission to host, store, copy, process and display Customer Materials only for service processing, which means:

    • analysing them for the Services you request;

    • preparing, reviewing and delivering your reports and orders;

    • keeping the Services secure;

    • billing and administering your account and transactions;

    • keeping audit records;

    • providing support;

    • meeting our legal obligations and performing these Terms.

    Service processing does not include training generalized models, or any commercial use unrelated to the Services you requested.

  • What we will not do without separate authorization. We will not do any of the following without your separate authorization, given through the specific permission shown in Atlas, or through a written agreement that covers it:

    • use confidential Customer Materials to train or improve generalized predictive or generative models;

    • license Customer Materials to third parties;

    • make Customer Materials available to other customers;

    • share Customer Materials with a capital provider.

    Accepting these Terms does not give any of these permissions.

  • Sharing with capital providers. A capital provider receives Customer Materials only after you authorize that named provider, for that submission, and for the fields and documents shown to you. You may withdraw that authorization at any time, and the provider then loses access in Atlas; what it has already received cannot be recalled. Once a provider has received Customer Materials, its use of them is governed by its own agreement with you, and by any agreement it has with us.

  • Your responsibility. You confirm that you have the rights, notices and consents needed to submit Customer Materials, including information about clients, claimants and other third parties. You agree not to submit information you are not permitted to share.

  • Aggregate information. We may create aggregated, de-identified statistics about use of the Services, such as volumes and processing times, to operate and improve the Services, provided they do not identify you, your clients, or any matter.

5. Sensitive information

Customer Materials may include sensitive information, such as case details about third parties, financial information, or medical information. You agree to submit only the sensitive information needed for the Service you request.

  • Medical information in claim files. You may submit medical information that is part of a claim file you are entitled to share, for example as the claimant's attorney, for the Service you request.

  • Healthcare entities. Do not use the Services to process information on behalf of a HIPAA covered entity or business associate, unless a business associate agreement with us is in place for that Service. Services that would require one stay unavailable until it is signed.

6. Confidentiality

  • Our confidential information. Non-public information we make available through the Services is our confidential information. This includes model performance data, research, pricing and portfolio analytics. You agree to use it only to use the Services or to evaluate a relationship with us, and not to disclose it to anyone else.

  • Your confidential information. We treat Customer Materials as your confidential information. We will protect them with reasonable care and use and disclose them only as these Terms allow. We may disclose them to our service providers who need them to provide the Services and who are bound by confidentiality obligations, or where the law, a court order or a regulator requires it.

  • Duration. These obligations survive the end of these Terms.

7. Intellectual property

All content, data, models, software, marks and infrastructure of the Services are the exclusive property of Splitifi, LLC and its licensors, except Customer Materials. This includes:

  • the Criterica name and Tangent Point mark;

  • our database of filed court records;

  • our models;

  • research, reports and model outputs we publish;

  • the Atlas platform.

Report licence. A report delivered to you is licensed to your organization for its internal business use, for the matter it concerns.

  • You may share it with your professional advisers, and with counterparties evaluating that matter, under a duty of confidence.

  • You may not resell it, publish it or make it generally available.

  • If you buy a report about a claim held by someone else, for example as a broker, the report is licensed to the named claim holder for that claim.

8. Intelligence outputs: not legal, investment or financing advice

  • Outputs are statistical estimates. Reports, scores, bands, estimates and other outputs are statistical estimates derived from historical records and the information provided to us. They are decision-support tools, not legal advice, legal opinions, investment advice, or guarantees of any outcome. Criterica is not a law firm and does not practice law.

  • Not a financing decision. A report, a preliminary eligibility indication, a match with a capital provider, or a review of a submission is not an approval, an offer, a commitment to provide financing, or a representation that financing will be available.

  • Financing is separate. Any financing requires a separate written agreement with the financing counterparty named in it, on that counterparty's terms. Criterica does not provide financing under these Terms.

  • No securities offer. Nothing in the Services is an offer to buy or sell a security or financial instrument, and Criterica does not provide registered investment advice.

  • Labels. We label outputs to show their basis, for example a model output, a preliminary eligibility indication or a provider commitment.

9. Model output and reliance

  • Model outputs are decision-support tools, and every output carries uncertainty that you are responsible for evaluating.

  • You are solely responsible for your own diligence, and for any decision you make relying on an output.

  • Criterica is not liable for any downstream investment, funding, underwriting, settlement or other financial loss arising from that reliance.

10. Purchases, subscriptions and fees

Purchases, subscriptions, seats, credits, cancellations and refunds are governed by the Commercial Schedule, which forms part of these Terms. The price is the one shown at checkout or in your order, quote or order form.

11. Disclaimer of warranties

Except as stated in the Commercial Schedule for defective reports, the Services are provided "as is" and "as available", without warranty of any kind, to the extent the law allows.

12. Limitation of liability

These limits apply to the extent the law allows.

  • Excluded damages. Neither party is liable to the other for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits.

  • Downstream losses. We are not liable for any investment, funding, underwriting, settlement or other financial loss arising from reliance on the Services or their outputs.

  • Mutual cap. Each party's total liability arising from a Service is capped at the fees paid or payable for that Service in the 12 months before the event giving rise to the claim.

  • What the limits do not cover.

    • Fraud or intentional misconduct: neither the exclusions nor the cap apply.

    • Fees you owe us: the cap does not limit them.

    • Breach of section 6 (Confidentiality): the excluded-damages clause does not apply. Liability is capped at three times the mutual cap.

    • Liability that cannot be limited by law.

13. Suspension and termination

  • Your right to close. You may close your organization's account at any time by asking us at hello@criterica.com.

  • Our right to suspend. We may suspend access if we reasonably believe it is needed for security, legal compliance, non-payment, or a breach of these Terms. Where practical, we will give notice first.

  • Our right to terminate. We may terminate these Terms for convenience on 30 days' notice. If we do, we refund prepaid fees for undelivered Services, as the Commercial Schedule provides.

  • What happens on closure. Customer Materials are handled under the retention schedule in the Privacy Policy. Sections that by their nature should survive, survive.

14. Changes to these Terms

  • We may update these Terms. We will post the new version with its effective date.

  • For a material change, we will give registered users at least 14 days' notice by email or in Atlas. Where we require it, users must accept the new version before they continue using Atlas.

  • A change that expands how we may use or share Customer Materials requires your affirmative acceptance. It never takes effect through continued use alone, and never applies to Customer Materials submitted before you accepted it.

15. Electronic acceptance and records

  • You agree to accept these Terms, and the specific permissions shown in Atlas, electronically.

  • For each acceptance, we record the document version, the time, the user, and a hash of the exact text shown. That record is evidence of what was accepted.

16. Governing law and disputes

  • These Terms are governed by the laws of Florida, without regard to its conflict-of-laws rules.

  • Disputes go to the state or federal courts in Palm Beach County, Florida.

  • This applies to customers in the United States and in Canada. Nothing in these Terms removes a protection that the law where you are located does not allow to be waived, including mandatory provincial law in Canada.

  • These Terms are for organizations and professional use. Terms for individual claimants, when offered, are set by the Claimant Terms.

17. General

  • Entire agreement. These Terms, the Commercial Schedule, and any service-specific terms are the entire agreement for the Services. A signed order form or master agreement takes precedence where it says so.

  • Assignment. Neither party may assign these Terms without consent, except to a successor of its business.

  • Notices go to legal@criterica.com and to the email address on your account.

18. Contact

legal@criterica.com · Splitifi, LLC, a Florida limited liability company. Criterica Group is a Splitifi company.