Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Global Treasury Diagnostic website, platform, and advisory services (collectively, the "Service") operated by Global Treasury Diagnostic ("GTD", "we", "us", or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you are using the Service on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

GTD is registered in the Netherlands under KvK number 99939053, operating under two trading names: Global Treasury Engine and Global Treasury Diagnostic. GTD operates as an independent outside business activity with no commercial relationships with banks, technology vendors, or implementation partners that could influence its diagnostic outputs.

2. Service Description

Global Treasury Diagnostic provides independent treasury assessment and diagnostic services for corporate clients, including:

• Online treasury diagnostic questionnaires
• Benchmarked treasury performance reports
• Strategic recommendations for treasury optimisation

GTD operates as an independent advisory service. GTD has no commercial relationships with banks, technology vendors, or implementation partners that could influence its diagnostic outputs. GTD's principal operates this service as an independent outside business activity.

3. Eligibility

The Service is intended for business users only. By using the Service, you confirm that:

• You are acting in a professional or commercial capacity
• You are authorised to provide company information on behalf of your organisation
• You are at least 18 years of age

4. Client Responsibilities

You agree to:

• Provide accurate, complete, and current information in all questionnaires and communications
• Maintain the confidentiality of any account credentials
• Use the Service only for lawful business purposes
• Not attempt to reverse-engineer, copy, or redistribute our methodology, reports, or benchmarking data

The quality and relevance of our diagnostic output depends on the accuracy of information you provide. GTD is not responsible for recommendations based on incomplete or inaccurate client data.

5. Intellectual Property

All content, methodologies, frameworks, report templates, benchmarking data, and software comprising the Service are the exclusive property of Global Treasury Diagnostic and are protected by intellectual property laws.

You may:

• Use reports delivered to you for internal business purposes
• Share reports with your professional advisors under confidentiality

You may not:

• Reproduce, redistribute, or resell any GTD reports or content
• Use GTD materials to develop competing services
• Remove or alter any proprietary notices or branding

6. Fees and Payment

Fees for diagnostic services are as quoted at the time of engagement. Unless otherwise agreed in writing:

• Payment is due upon invoice
• All fees are quoted in Euros (€) and exclusive of VAT where applicable
• Late payments may incur interest at 3% above the European Central Bank base rate

For EU business clients, the reverse charge mechanism applies in accordance with EU VAT Directive 2006/112/EC. GTD will issue VAT invoices accordingly. For non-EU clients, local tax rules of the client's jurisdiction may apply.

We reserve the right to withhold delivery of reports until payment is received in full.

7. Delivery and Revisions

Diagnostic reports are typically delivered within five business days of receipt of completed questionnaire responses, unless otherwise agreed in writing at the time of engagement.

Minor clarifications or corrections to reports will be provided at no additional charge within 14 days of delivery. Material revisions or additional analysis may incur additional fees.

7.3 Data Following Delivery. Questionnaire responses and assessment data are processed solely for the purpose of generating the diagnostic report. Client data is not retained in identifiable form beyond 12 months after report delivery, after which it is securely deleted or anonymised unless you request earlier deletion. Full retention periods for all data categories are set out in Section 9 of our Privacy Policy.

8. Cancellation and Refunds

8.1 GTD's diagnostic services involve significant professional preparation and methodology application. Fees are non-refundable once the assessment questionnaire has been processed and report generation has commenced.

8.2 If GTD is unable to deliver the agreed diagnostic report due to circumstances within our control, a full refund will be issued.

8.3 Requests for cancellation prior to questionnaire processing should be made in writing to matt@gtd-treasury.com.

9. Important Disclaimers

9.1 Not Financial Advice

GTD provides treasury diagnostic and benchmarking services for informational and educational purposes only. Our reports and recommendations:

• Do not constitute financial, investment, legal, tax, or accounting advice
• Are not a substitute for professional advice from qualified advisors
• Should not be relied upon as the sole basis for treasury decisions

You should consult appropriately qualified professionals before implementing any changes to your treasury operations, banking arrangements, hedging strategies, or financial structures.

9.2 No Guarantees

We do not guarantee that:

• Following our recommendations will result in specific financial outcomes
• Benchmark data reflects the precise circumstances of your organisation
• Our assessments are free from error or omission

9.3 Third-Party Data

Our benchmarks incorporate data from third-party sources including industry research and published studies. While we endeavour to use reliable sources, we do not warrant the accuracy of third-party data.

10. Limitation of Liability

To the maximum extent permitted by applicable law:

10.1 GTD's total liability arising from or related to the Service shall not exceed the fees paid by you for the specific engagement giving rise to the claim.

10.2 GTD shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunity, even if advised of the possibility of such damages.

10.3 GTD shall not be liable for any losses arising from:

• Decisions made based on our reports or recommendations
• Inaccurate or incomplete information provided by you
• Actions or omissions of third parties, including banks or advisors
• Circumstances beyond our reasonable control

10.4 Nothing in these Terms excludes or limits liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded under applicable law.

10.5 Force Majeure. GTD shall not be liable for any failure or delay in delivering the Service caused by circumstances beyond our reasonable control, including but not limited to AI service interruptions, hosting infrastructure outages, internet disruptions, or other technical failures outside GTD's direct control. In such circumstances GTD will notify the client promptly and use reasonable endeavours to resume delivery as soon as practicable.

11. Confidentiality

11.1 Your Information

We treat all client information as confidential. We will not disclose your company data, questionnaire responses, or diagnostic results to third parties except:

• With your express consent
• To our service providers who assist in delivering the Service (under confidentiality obligations). Our key service providers include Anthropic (Claude API for report generation), DocRaptor (PDF creation), Supabase (database infrastructure), Vercel (application hosting), IONOS (email infrastructure), and Stripe (payment processing). A full list of processors is available in our Privacy Policy.
• As required by law or regulatory authority

See our Privacy Policy for full details on data handling.

11.2 Our Materials

You agree to treat our proprietary methodologies, unpublished benchmark data, and report formats as confidential and not disclose them to third parties other than your professional advisors.

12. Data Protection

We process personal data in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR). By using the Service, you acknowledge that you have read and understood our Privacy Policy.

13. Term and Termination

13.1 These Terms apply from your first use of the Service and continue until terminated.

13.2 You may stop using the Service at any time. Fees for completed engagements remain payable.

13.3 We may suspend or terminate your access to the Service if:

• You breach these Terms
• Payment is overdue by more than 30 days
• We reasonably believe your use poses a legal or security risk

13.4 Upon termination, provisions relating to intellectual property, confidentiality, limitation of liability, and governing law shall survive.

14. Modifications

We may update these Terms from time to time. Material changes will be notified via the Service or by email. Continued use of the Service after changes constitutes acceptance of the revised Terms.

15. Data Processing Agreements

Enterprise clients with specific data protection requirements may request a formal Data Processing Agreement (DPA) governing GTD's processing of personal data on their behalf. DPA requests should be directed to matt@gtd-treasury.com.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Netherlands.

Any disputes arising from or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of The Hague, the Netherlands.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any engagement-specific terms, constitute the entire agreement between you and GTD regarding the Service.

17.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17.3 Waiver

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision.

17.4 Assignment

You may not assign your rights under these Terms without our written consent. We may assign our rights to a successor or affiliate.

18. Contact

For questions about these Terms, please contact:

Global Treasury Diagnostic
Email: matt@gtd-treasury.com