Terms of Service

Last updated: February 18, 2026  |  Effective Date: February 18, 2026

These Terms of Service ("Terms") govern your access to and use of the Regulational website at www.regulational.com (the "Site") and any services, content, or materials made available through the Site. Please read these Terms carefully before using the Site.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site.

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Regulational ("Company," "we," "us," or "our"). Your use of the Site constitutes your acceptance of these Terms. We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Site after changes constitutes acceptance of the revised Terms.

2. Use of the Site

Permitted Use

You may use the Site for lawful purposes only and in accordance with these Terms. The Site is intended for business professionals evaluating or using regulatory compliance services.

Prohibited Conduct

You agree not to:

• Use the Site in any way that violates applicable federal, state, local, or international law
• Transmit any unsolicited or unauthorized advertising or promotional material (spam)
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use the Site to transmit any harmful, offensive, or disruptive content
• Scrape, crawl, or systematically extract data from the Site without our written consent
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the integrity or performance of the Site
• Attempt to probe, scan, or test the vulnerability of the Site

3. Intellectual Property

The Site and all of its content — including but not limited to text, graphics, logos, images, software, and the overall design — are the exclusive property of Regulational and are protected by United States and international intellectual property laws, including copyright and trademark law.

You may view and print individual pages of the Site for your personal, non-commercial use, provided you keep intact all copyright, trademark, and other proprietary notices. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from the Site without our prior written permission.

The name "Regulational" and our logo are trademarks of the Company. You may not use our trademarks without prior written consent.

4. No Professional Advice

You should consult qualified legal counsel, compliance professionals, or other appropriate advisors before making any decisions based on information presented on this Site. Do not act or refrain from acting based solely on information found on this Site.

5. Regulatory Disclaimer

References to "examiner-grade," "examiner perspective," or "OCC examiners" reflect the professional background and experience of our founders and team members. These references do not imply any official relationship with, certification by, or endorsement from any regulatory agency.

Use of our products and services does not guarantee any specific outcome in any regulatory examination, enforcement action, supervisory review, or other regulatory proceeding. Past regulatory examination experience of our team members does not guarantee future examination outcomes for our clients.

6. Forward-Looking Statements

This Site may contain forward-looking statements, including statements about our planned products, features, timelines, and capabilities. These statements are based on our current plans and expectations and are subject to risks and uncertainties. Actual results, features, and timelines may differ materially from those described. We undertake no obligation to update forward-looking statements to reflect changed circumstances.

Product roadmap items described as "Coming Soon" represent current plans only and do not constitute commitments to deliver specific features at specific times.

7. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, REGULATIONAL DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES THAT DEFECTS WILL BE CORRECTED
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION ON THE SITE

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REGULATIONAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS, INCLUDING BUT NOT LIMITED TO:

• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES
• REGULATORY FINDINGS, PENALTIES, OR ENFORCEMENT ACTIONS
• RELIANCE ON INFORMATION PRESENTED ON THE SITE

EVEN IF REGULATIONAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OF CERTAIN DAMAGES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

9. Indemnification

You agree to indemnify, defend, and hold harmless Regulational and its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your violation of any applicable law.

10. Third-Party Links

The Site may contain links to third-party websites or services. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party sites. You access third-party sites at your own risk and subject to their own terms and privacy policies.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to our collection and use of information as described in the Privacy Policy.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the applicable courts. You waive any objection to such jurisdiction or venue.

Before initiating any formal legal proceeding, the parties agree to attempt to resolve any dispute informally by contacting Regulational at info@regulational.com. We will use good-faith efforts to resolve the dispute within 30 days.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Regulational regarding your use of the Site and supersede all prior agreements, representations, and understandings.

15. Contact Us

If you have questions about these Terms of Service, please contact us: