Section 1
Interpretation & Definitions
In these Terms and Conditions the following definitions apply unless the context otherwise requires:
- "KILC", "we", "us", "our" — Keane International Legal Consultancy LLP, a limited liability partnership registered in England and Wales (Companies House No. OC454287), whose registered office is at 128 City Road, London EC1V 2NX.
- "XOS" / "Platform" — the cross-border compliance operating system accessible at platform.kilc.co.uk and all associated sub-domains, APIs, white-label deployments and mobile interfaces.
- "User", "you", "your" — any natural person, corporation, partnership or other legal entity that accesses or uses the Platform in any capacity, including as a visitor, subscriber, client or partner.
- "Partner" — a User who has executed a separate XOS Partner Programme Agreement with KILC.
- "Compliance Content" — all triage outputs, risk scores, gap analyses, document templates, regulatory intelligence feeds and AI-generated responses generated by or through the Platform.
- "Personal Data" — has the meaning given in the UK GDPR (as defined below).
- "UK GDPR" — the UK General Data Protection Regulation, being Regulation (EU) 2016/679 as retained in UK law by the European Union (Withdrawal) Act 2018, as supplemented by the Data Protection Act 2018.
- "Subscription" — a paid access plan (Starter, Professional or Institutional) as described in the Platform fee schedule.
- "Business Day" — any day other than a Saturday, Sunday or public holiday in England and Wales.
- "Intellectual Property Rights" — patents, trademarks, registered designs, copyright, database rights, trade secrets, know-how and all other proprietary rights of any nature, whether registered or unregistered, and including all applications and rights to apply for registration.
Headings are for convenience only and do not affect the interpretation of these Terms. References to legislation include any amendment, re-enactment or subordinate legislation made under it. The singular includes the plural and vice versa.
Section 2
Legal Status of KILC
KILC is not a law firm and does not hold a practising certificate issued by the Solicitors Regulation Authority (SRA) or any other legal regulatory body. Nothing on this Platform, and nothing communicated by KILC, constitutes legal advice within the meaning of the Legal Services Act 2007 or any equivalent legislation.
KILC operates as a professional compliance consultancy and technology platform. Our services constitute professional compliance information, regulatory guidance, process facilitation and document automation — not legal advice, not regulated legal services, and not a substitute for the advice of a qualified solicitor or barrister.
Regulated Activities
If your matter involves reserved legal activities as defined in the Legal Services Act 2007 (including the conduct of litigation, the exercise of rights of audience, or the preparation of instruments affecting interests in land), you must instruct a regulated legal professional. KILC will identify and flag where such referral is appropriate but cannot itself provide those services.
Financial Services
KILC is not authorised or regulated by the Financial Conduct Authority (FCA). Nothing on this Platform constitutes investment advice, financial advice or a financial promotion within the meaning of the Financial Services and Markets Act 2000 (FSMA 2000). Users seeking such advice must consult an FCA-authorised firm.
Section 3
Nature and Scope of the Platform
The Platform provides automated, AI-assisted and template-based compliance tools designed to assist professional advisors, businesses and investors navigating the regulatory requirements associated with cross-border investment, principally between China and the United Kingdom. The Platform is not a substitute for professional legal, financial or regulatory advice tailored to the specific facts of any transaction or situation.
Informational Nature of Outputs
All Compliance Content generated by the Platform — including NSI Act triage results, KYC/KYB risk scores, gap analyses, document templates, regulatory intelligence summaries and AI assistant responses — is provided for informational and professional guidance purposes only. Such outputs do not constitute legal advice, do not create a solicitor-client relationship, and should not be relied upon as the sole basis for any commercial, legal or regulatory decision.
Accuracy and Currency
KILC makes reasonable efforts to ensure that the Platform reflects current UK and EU regulatory requirements, including the National Security and Investment Act 2021, the Financial Services and Markets Act 2000, the UK GDPR, and relevant FCA and HMRC guidance. However, regulatory regimes evolve continuously. KILC does not warrant that the Platform is at all times up to date, complete or free from error. Users must independently verify the currency and applicability of any regulatory information before acting upon it.
AI-Generated Content
The XOS AI Assistant uses large language model technology. AI-generated responses may contain inaccuracies, omissions or hallucinations. All AI outputs must be reviewed by a qualified professional before reliance. KILC expressly disclaims liability for any loss arising from uncritical reliance on AI-generated content.
Availability
KILC targets 99.5% platform uptime measured monthly, excluding scheduled maintenance windows. KILC reserves the right to suspend access for maintenance, security patching or force majeure events. Subscribers will be notified of planned maintenance via the email address registered to their account no less than 24 hours in advance where reasonably practicable.
Section 4
Limitation of Liability
Please read this section carefully. It limits KILC's liability to you. If you are a consumer, statutory rights under the Consumer Rights Act 2015 are preserved and nothing in this section excludes or restricts liability that cannot lawfully be excluded.
4.1 — Exclusions
To the fullest extent permitted by law, KILC excludes all liability for: (a) any loss or damage suffered as a result of reliance on Compliance Content without independent verification; (b) decisions made by any person on the basis of Platform outputs without obtaining qualified legal, financial or regulatory advice; (c) any failure or delay caused by circumstances outside KILC's reasonable control, including third-party data source outages, regulatory feed interruptions or telecommunications failures; (d) any indirect, consequential, special or punitive loss, including loss of profits, loss of business, loss of data, or reputational harm.
4.2 — Financial Cap
Subject to clause 4.3, KILC's aggregate liability to any User in respect of any claim or series of related claims arising out of or in connection with the Platform shall not exceed the greater of: (a) the total Subscription fees paid by that User to KILC in the twelve (12) months immediately preceding the event giving rise to the claim; or (b) £1,000 (one thousand pounds sterling).
4.3 — Preserved Liabilities
Nothing in these Terms limits or excludes KILC's liability for: (a) death or personal injury caused by KILC's negligence; (b) fraud or fraudulent misrepresentation; (c) any other liability that cannot lawfully be limited or excluded under applicable law, including under the Consumer Rights Act 2015 where applicable.
4.4 — Third-Party Data
The Platform aggregates regulatory intelligence from third-party sources including official UK government feeds, FCA, ICO and Companies House publications. KILC provides this content in good faith but accepts no liability for errors, omissions or delays originating with those third-party sources.
4.5 — Indemnity
You agree to indemnify and hold harmless KILC, its members, officers, employees and contractors from and against any claims, damages, losses and expenses (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your use of the Platform in a manner not authorised or contemplated by these Terms; (c) any claim by a third party arising from materials or data you submit to the Platform.
Section 5
Intellectual Property Rights
5.1 — KILC Ownership
All Intellectual Property Rights in the Platform, including its software architecture, source code, database schema, compliance algorithms, document templates, user interface design, brand assets, regulatory datasets, and all Compliance Content generated by KILC's systems, are and shall remain the exclusive property of KILC or its licensors. Nothing in these Terms transfers any ownership interest in those rights to any User.
5.2 — Licence to Users
Subject to these Terms and payment of applicable Subscription fees, KILC grants each User a non-exclusive, non-transferable, revocable licence to access and use the Platform solely for the User's internal professional compliance purposes. This licence does not include the right to: (a) reproduce, distribute or commercially exploit any Platform content or outputs beyond the User's own professional practice; (b) create derivative works based on Platform algorithms, templates or data structures; (c) reverse engineer, decompile or disassemble any Platform software; (d) sub-license access to the Platform to any third party except as expressly permitted under a Partner Programme Agreement.
5.3 — User-Submitted Content
Where Users submit data, documents or information to the Platform for processing, Users retain ownership of that content. Users grant KILC a limited, non-exclusive licence to process that content solely for the purpose of providing the Platform services. KILC will not use User-submitted content for training AI models without explicit written consent.
5.4 — Partner White-Label
Partners granted white-label rights under a separate Partner Programme Agreement may display their own branding on the Platform interface presented to their clients. Such rights are strictly limited to those set out in that Agreement. KILC's underlying IP remains KILC's in all white-label deployments. Partners must not represent that the underlying technology is their own proprietary system.
5.5 — Trade Marks
"XOS", "KILC", "Keane International Legal Consultancy", and all associated logos and branding are trade marks or service marks of KILC. Users may not use these marks without KILC's prior written consent except as strictly necessary to describe their use of the Platform.
Section 6
Data Protection & UK GDPR
KILC processes Personal Data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This section summarises our principal obligations and your rights. Our full Privacy Notice — which forms part of these Terms — is available at platform.kilc.co.uk/privacy and sets out complete details of all processing activities.
6.1 — Controller Status
KILC is the Data Controller in respect of Personal Data collected directly from Users through the Platform. Where Partners use the Platform to process their clients' Personal Data, Partners act as independent Data Controllers or as Data Processors on behalf of their clients, as the case may be. A Data Processing Agreement (DPA) is available to all Partners and Institutional Subscribers on request.
6.2 — Lawful Bases
KILC relies on the following lawful bases for processing Personal Data: (a) Contract performance — to provide the Platform services to Subscribers; (b) Legitimate interests — to improve Platform functionality, conduct fraud prevention, and undertake analytics, where such interests are not overridden by Users' rights; (c) Compliance with a legal obligation — where processing is required by applicable law; (d) Consent — for marketing communications, where separately obtained and withdrawable at any time.
6.3 — International Transfers
Where Personal Data is transferred outside the United Kingdom, KILC ensures appropriate safeguards are in place in accordance with UK GDPR Articles 44–46, including the use of the International Data Transfer Agreement (IDTA) approved by the ICO, or transfers to countries benefiting from UK adequacy regulations. Chinese institutional Partners should note their independent obligations under China's Personal Information Protection Law (PIPL) 2021 and the Measures for Certification of Outbound Personal Information Transfer (effective January 2026) when transmitting client data to this UK-hosted platform.
6.4 — Your Rights
Under the UK GDPR, you have the right to: (a) access your Personal Data (Subject Access Request); (b) rectification of inaccurate Personal Data; (c) erasure ("right to be forgotten") where grounds apply; (d) restriction of processing; (e) data portability in a structured, machine-readable format; (f) object to processing based on legitimate interests; (g) not be subject to solely automated decision-making that produces significant legal effects. To exercise any of these rights, contact privacy@kilc.co.uk. We will respond within one calendar month as required by Article 12 UK GDPR.
6.5 — Retention
Personal Data is retained for the duration of the User's account and for a period of seven (7) years thereafter, save where a longer period is required by applicable law or professional regulatory obligation. Compliance records may be retained for a longer period where required by anti-money laundering legislation (currently five years under the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017).
6.6 — ICO
You have the right to lodge a complaint with the Information Commissioner's Office (ICO) at any time. The ICO's contact details are available at ico.org.uk. KILC would appreciate the opportunity to address any concerns before you contact the ICO.
Section 7
Consumer Rights Act 2015
This section applies where you are a consumer — that is, an individual acting wholly or mainly outside your trade, business, craft or profession. Business Users should note that many of the statutory protections in this section do not apply to purely commercial engagements.
7.1 — Digital Content Rights
Under the Consumer Rights Act 2015 (CRA 2015), digital content provided by KILC — including downloaded document templates, compliance reports and AI outputs — must be of satisfactory quality, fit for a particular purpose where that purpose has been made known to KILC, and as described. Where digital content fails to meet these standards, you may be entitled to: (a) repair or replacement of the faulty content; (b) a price reduction or a full or partial refund where repair or replacement is impossible or disproportionate.
7.2 — Services Rights
Where KILC provides services to consumers (including consultancy sessions, onboarding support and professional guidance), those services must be performed with reasonable care and skill, within a reasonable time (if no time has been agreed), and at a reasonable price (if no price has been agreed). Where a service fails to meet the CRA 2015 standard, you may be entitled to require the service to be re-performed, or to a price reduction.
7.3 — Right to Withdraw
Consumer Users who subscribe to the Platform have a 14-day right of withdrawal under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, commencing on the day the subscription is activated. If you request that Platform access begins within the 14-day cancellation period, you acknowledge that you may lose the right to cancel proportionately to the services already provided. The refund therefore equals the Subscription fee paid minus a pro-rata deduction for days of access provided and minus the non-refundable payment-processing fee that the payment provider (Stripe) retained on the original transaction and does not return to KILC on refund (typically 1.5% + £0.20 for UK-issued cards). The exact figures are confirmed by email before the refund is processed; a hardship waiver of the processing-fee deduction is available on written request. The full provision is set out in clause 8.3 of the Founding Member Subscription Agreement at kilc.co.uk/xos/terms. To exercise the right to withdraw, email billing@kilc.co.uk with your account details and notice of withdrawal.
7.4 — Unfair Terms
KILC's contract terms with consumer Users are subject to the fairness test under Part 2 of the CRA 2015. Any term that creates a significant imbalance in the parties' rights and obligations, to the detriment of the consumer, contrary to the requirement of good faith, will be unenforceable. The existence of this clause does not limit the unenforceability of any specific term under applicable law.
Section 8
Platform Transparency
In accordance with best-practice digital services transparency standards — including the principles of the EU Digital Services Act (DSA) Regulation (EU) 2022/2065 and applicable UK online safety framework obligations — KILC publishes the following transparency information.
8.1 — How the Platform Works
XOS operates through a combination of: (a) rule-based compliance logic, which applies current UK regulatory requirements to User-submitted parameters to generate triage outputs and gap analyses; (b) template automation, which populates pre-drafted document templates with User-provided data; (c) large language model AI (the XOS AI Assistant), which generates natural-language compliance guidance in response to User queries; (d) third-party regulatory feed aggregation, which retrieves and displays regulatory updates from official UK government and regulatory body sources. Content is not editorially curated for commercial or promotional purposes.
8.2 — Algorithmic Decision-Making
NSI Act triage scores, AML risk scores and KYC assessments are generated algorithmically based on User-supplied parameters weighted against KILC's proprietary compliance logic. These outputs do not constitute final determinations of any legal obligation. KILC does not use profiling to make decisions that produce significant legal effects for Users in a purely automated way without human review capability. Users may always request a manual review of any algorithmic output by contacting compliance@kilc.co.uk.
8.3 — Content Moderation
The Platform does not host user-generated public content. User-submitted data processed through the Platform is private to the User's account. KILC reserves the right to remove or restrict access to User-submitted content that is unlawful, inaccurate, used for fraudulent purposes, or in breach of these Terms, following prior notice to the User except where immediate action is required for legal, regulatory or security reasons.
8.4 — No Advertising
The Platform does not display third-party advertising, does not accept payment from third parties to rank, promote or feature any content, service or entity in compliance outputs, and does not use User data for targeted advertising purposes. All outputs are generated solely on the basis of KILC's compliance methodology.
8.5 — Regulatory Intelligence Sources
The Live Regulatory Intelligence feed aggregates content from publicly available official sources including: GOV.UK, the Financial Conduct Authority (FCA), the Information Commissioner's Office (ICO), Companies House, His Majesty's Revenue and Customs (HMRC), the Prudential Regulation Authority (PRA), and the UK Parliament. KILC does not modify the substantive content of these feeds. Source attribution is displayed alongside each item. KILC is not responsible for the accuracy of third-party source material.
8.6 — Dispute Resolution for Content
Users who believe that Platform content is inaccurate, misleading or in breach of applicable law may submit a dispute to disputes@kilc.co.uk. KILC will acknowledge within 2 Business Days and provide a substantive response within 14 Business Days. Unresolved disputes may be escalated to the relevant regulatory authority or referred to the courts of England and Wales.
Section 9
Acceptable Use
9.1 — Permitted Use
You may use the Platform only for lawful professional compliance purposes in connection with genuine cross-border investment, business establishment, or regulatory compliance matters. Use of the Platform in connection with any transaction that would itself constitute a criminal offence under the laws of England and Wales or any other applicable jurisdiction is strictly prohibited.
9.2 — Prohibited Conduct
You must not: (a) use the Platform to circumvent UK national security obligations, including mandatory NSI Act notification requirements; (b) submit false, fabricated or misleading data to generate favourable compliance outputs; (c) use the Platform in connection with any transaction subject to UK, UN or EU sanctions; (d) attempt to access accounts, data or systems belonging to other Users; (e) systematically extract, scrape or reproduce Platform content for commercial purposes; (f) use the Platform to develop, test or train competing products or services; (g) share access credentials with unauthorised third parties; (h) introduce malware, viruses or other harmful code to the Platform infrastructure.
9.3 — Anti-Money Laundering
Users who are subject to the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 remain solely responsible for fulfilling their own AML/CTF obligations. XOS compliance tools are designed to assist professional due diligence workflows but do not substitute for the independent judgement of the regulated entity's Money Laundering Reporting Officer (MLRO). KILC reserves the right to suspend Platform access and make a Suspicious Activity Report (SAR) to the National Crime Agency (NCA) where there are reasonable grounds to suspect that Platform services are being used to facilitate money laundering or terrorist financing.
9.4 — Consequences of Breach
Breach of this section entitles KILC to immediately suspend or terminate access without notice, retain any pre-paid Subscription fees, pursue all available legal remedies, and report relevant conduct to competent authorities.
Section 10
Partner Programme Terms
These provisions apply to Users who have executed a Partner Programme Agreement with KILC. In the event of conflict between these Terms and the Partner Programme Agreement, the Partner Programme Agreement shall prevail.
10.1 — Client Attribution
Client attribution is permanent and irrevocable while the Partner Programme Agreement remains in force. Commission is payable on all eligible compliance fees generated through attributed clients, regardless of whether the Partner initiates or is involved in any specific transaction. Attribution survives termination of the Agreement in respect of clients introduced prior to termination, subject to the terms of the Agreement.
10.2 — Non-Solicitation
KILC contractually undertakes not to solicit, recruit or service any client introduced by a Partner on a direct basis, bypassing the Partner relationship, for the duration of the Partner Programme Agreement and for a period of twenty-four (24) months following its termination. This obligation is a material term of the Agreement and its breach entitles the Partner to damages including loss of commission income.
10.3 — Commission
Commission rates are as set out in the Partner Programme Agreement and the confidential Partner Rate Schedule. Commission is calculated on eligible fees received by KILC, paid monthly on the fifth (5th) Business Day of the following calendar month, and subject to a minimum payout threshold of £100. Commission is subject to deduction of applicable withholding taxes where required by law. Partners are responsible for their own tax reporting obligations on commission income received.
10.4 — White-Label Obligations
Partners granted white-label rights must: (a) not represent that the underlying XOS technology is their own; (b) maintain their own professional indemnity insurance appropriate to their regulated activities; (c) ensure their clients receive appropriate notices regarding the use of third-party technology in compliance workflows; (d) comply with all applicable data protection obligations as Data Controller in respect of their clients' Personal Data processed through the Platform.
Section 11
Governing Law & Jurisdiction
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.
11.1 — Jurisdiction
Subject to clause 11.2, each party irrevocably agrees that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, the Platform or any non-contractual obligation arising in connection with them.
11.2 — Consumer Carve-Out
Where you are a consumer, nothing in clause 11.1 affects your right to bring proceedings in the courts of the country in which you are domiciled. Consumers in Northern Ireland, Scotland and Wales retain the right to bring proceedings in the courts of their country of domicile.
11.3 — Alternative Dispute Resolution
KILC is committed to resolving disputes promptly and fairly. Before commencing litigation, parties agree to engage in good-faith negotiation for a period of at least 30 days following written notification of a dispute. KILC is willing to participate in accredited alternative dispute resolution (ADR) schemes where the User is a consumer. Details of applicable ADR schemes are available on request.
11.4 — Applicable Regulatory Frameworks
These Terms are subject to all applicable UK legislation in force from time to time, including but not limited to: the National Security and Investment Act 2021; the Data Protection Act 2018; the UK GDPR; the Consumer Rights Act 2015; the Financial Services and Markets Act 2000; the Proceeds of Crime Act 2002; the Sanctions and Anti-Money Laundering Act 2018; and the Legal Services Act 2007.
Section 12
Variation & Update Notification
12.1 — Right to Vary
KILC reserves the right to amend these Terms from time to time, including to reflect: (a) changes in applicable law or regulatory requirements; (b) changes to the Platform's features, pricing or scope; (c) changes in KILC's business, structure or professional obligations. KILC will not make changes that materially disadvantage Users without prior notice and, where required by law, the opportunity to exit without penalty.
12.2 — Notification Process
KILC will notify Subscribers of material changes to these Terms by: (a) email to the registered account address, sent not less than 30 days before the change takes effect; (b) a prominent in-platform notice displayed on login for not less than 30 days prior to the effective date; (c) publication of the revised Terms at platform.kilc.co.uk/terms, with version number and effective date clearly stated. Non-material changes (including typographical corrections, clarifications that do not alter the substance of obligations, and regulatory cross-references) may be made without prior notice.
12.3 — Acceptance of Variations
Continued use of the Platform after the effective date of any variation constitutes acceptance of the revised Terms. Where a variation materially alters a Subscriber's rights or obligations, Subscribers who do not accept the variation may terminate their Subscription with immediate effect and receive a pro-rata refund of pre-paid Subscription fees covering the period from termination to the end of the paid billing cycle.
12.4 — Regulatory Compliance Updates
In the event that changes to applicable law require immediate amendment to these Terms to maintain compliance, KILC may make such amendments with immediate effect and will notify Users as promptly as reasonably practicable. KILC will endeavour to provide a minimum of 7 days' notice in such circumstances save where immediate amendment is required to comply with a statutory obligation or regulatory direction.
12.5 — Version Archive
KILC maintains a version archive of all previous Terms and Conditions, accessible at platform.kilc.co.uk/terms/archive. Each version is date-stamped and the period of its application is recorded. Users may request a copy of the Terms applicable to any past period by contacting legal@kilc.co.uk.
Section 13
Miscellaneous Provisions
13.1 — Entire Agreement
These Terms, together with KILC's Privacy Notice and (where applicable) the Partner Programme Agreement and Subscription Order, constitute the entire agreement between KILC and the User in relation to the Platform and supersede all prior representations, agreements, negotiations and understandings, whether written or oral. Each party confirms it has not relied on any statement, representation, warranty or understanding not expressly set out in these Terms.
13.2 — Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal or unenforceable in any respect, that provision shall be severed from the remaining Terms which shall continue in full force and effect. The severed provision shall be replaced, to the extent possible, with a valid provision that most closely reflects the commercial intent of the original.
13.3 — Waiver
No failure or delay by KILC in exercising any right or remedy under these Terms shall constitute a waiver of that right or remedy. A waiver of any specific breach shall not constitute a waiver of any subsequent breach of the same or any other provision.
13.4 — Third-Party Rights
These Terms do not confer any rights on any third party under the Contracts (Rights of Third Parties) Act 1999, except that KILC's members, officers and employees may enforce the benefit of limitation and indemnity provisions on KILC's behalf.
13.5 — Force Majeure
KILC shall not be liable for any failure or delay in performance resulting from circumstances outside its reasonable control, including acts of God, pandemic, war, terrorism, civil unrest, government action, regulatory intervention, cyberattack by third parties, or failure of third-party infrastructure including internet service providers or cloud hosting platforms. KILC will notify affected Users promptly and use reasonable endeavours to restore service as soon as practicable.
13.6 — Assignment
KILC may assign its rights and obligations under these Terms to any successor entity following a merger, acquisition or corporate restructuring, provided that the User's rights under these Terms are materially preserved. Users may not assign their rights or obligations under these Terms without KILC's prior written consent.
13.7 — Notices
Notices from KILC to Users will be sent to the email address registered to the User's account. Notices from Users to KILC should be sent to legal@kilc.co.uk or by post to 128 City Road, London EC1V 2NX, marked for the attention of the Legal & Compliance Team. Notices sent by email are deemed received on the next Business Day following transmission.
Section 14
Contact & Complaints
KILC is committed to addressing queries, concerns and complaints promptly. The following contact channels apply:
- General enquiries: hello@kilc.co.uk
- Data protection / UK GDPR queries: privacy@kilc.co.uk
- Billing and subscription: billing@kilc.co.uk
- Compliance matters / platform queries: compliance@kilc.co.uk
- Legal notices: legal@kilc.co.uk
- Platform content disputes: disputes@kilc.co.uk
- Registered address: Keane International Legal Consultancy LLP (Companies House No. OC454287), 128 City Road, London EC1V 2NX
Complaints Procedure
To make a formal complaint: (1) Submit your complaint in writing to legal@kilc.co.uk with the subject line "Formal Complaint"; (2) KILC will acknowledge receipt within 2 Business Days; (3) A substantive response will be provided within 14 Business Days; (4) If the complaint is not resolved to your satisfaction, KILC will provide details of applicable escalation routes, including ADR schemes for consumers; (5) Nothing in this procedure restricts your right to seek legal redress through the courts of England and Wales at any time.
Regulatory Authorities
You may also raise concerns directly with the following regulatory bodies: Information Commissioner's Office (ICO) — ico.org.uk — for data protection matters; Competition and Markets Authority (CMA) — gov.uk/cma — for competition and consumer protection matters; Financial Conduct Authority (FCA) — fca.org.uk — for financial services concerns.
These Terms were last reviewed and updated on 1 May 2026 by the Legal & Compliance Team of Keane International Legal Consultancy LLP. They supersede all prior versions. KILC recommends that Users retain a copy of these Terms for their records. The current version is always available at platform.kilc.co.uk/terms.