Terms & Conditions

VERITAS AML Academy is a trading name of Illicit financial flows, the legal seller ("Illicit financial flows", "we", "us"), publisher of illicitfinancialflows.org. When you create an account, buy a membership or take a seat licence, you contract with Illicit financial flows on these terms.

If you are enrolling on behalf of a tax administration, university or other organisation, you confirm you have authority to bind it. If you are enrolling as an individual, you confirm you are of legal age in your country of residence.

By creating an account or continuing to use the site you agree to these terms. If you do not agree, do not use the service. We may amend these terms; material changes will be reflected in the "last updated" date above and, where the change affects paid access, notified by email.

A four-level training programme on money laundering, illicit financial flows and aggressive tax structuring: lessons, case library, glossary, sources, downloadable course materials, and a games studio of classroom simulations with online play, print kits, asset packs and instructor guides.

The curriculum, case library, glossary, sources and course materials are free. The games studio requires an individual membership or an institutional seat licence.

Keep your credentials confidential; you are responsible for activity under your account. Provide accurate registration information and keep it current. Seats issued under an institutional licence are named and may not be shared between individuals.

You must not:

• use the service unlawfully, or to plan, facilitate or conceal any offence;
• commit fraud, send spam, or impersonate another person or institution;
• infringe intellectual property, including by redistributing, reselling or republishing our materials, print kits or assessment banks;
• interfere with security: probing, scanning, scraping at scale, circumventing access controls, or uploading malware;
• use the offender-side simulations, typologies or structuring exercises as operational guidance for real-world evasion or laundering. They are taught so that investigators can recognise and disrupt them.

We grant you a limited, non-exclusive, non-transferable right to use the service and its materials for your own study, or for classroom teaching within the institution named on your licence. Print kits may be reproduced in the quantities needed to run a session with your own cohort. No reverse engineering, resale, redistribution or circumvention of technical limits.

All curriculum text, illustrations, diagrams, quiz and essay banks, rubrics, game designs, artwork and software remain our property or that of our licensors. Third-party legal instruments, standards and case sources cited in the materials remain the property of their publishers and are used for teaching and commentary.

Essay submissions, quiz answers and cohort data you provide remain yours. You grant us a limited licence to host and process them solely to operate the service, mark and return work, issue certificates and produce aggregate reporting to your institution where you hold an institutional seat.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

Payment, billing frequency, taxes, renewals, cancellations and refunds are governed by the Paddle Buyer Terms. Memberships renew automatically until cancelled. Cancelling stops the next renewal and leaves your access in place until the end of the period you have already paid for. Plan upgrades and downgrades take effect immediately and are prorated. See our refund policy.

We work to keep the service available, but we do not guarantee uninterrupted or error-free performance. Materials are revised twice a year; legal references reflect the law as at the review date stated on each page and are not legal advice.

The programme is educational. Nothing on the site is legal, tax, compliance, financial or investment advice, and it must not be relied on in place of qualified advice or an institution's own procedures.

To the fullest extent permitted by law we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. We exclude liability for indirect, consequential or special loss, including loss of profits, data or goodwill. Our aggregate liability is capped at the fees you paid in the twelve months before the claim. Nothing excludes liability for fraud, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded.

You indemnify us against claims arising from your content, your unlawful use of the service, or your breach of these terms.

We may suspend or terminate access for material breach, non-payment, security or fraud risk, or repeated or serious policy violations. You may close your account at any time. On termination, paid access ends at the end of the paid period unless the termination is for cause, and you may export your submissions and certificates for 30 days before data is deleted or anonymised.

You may not assign these terms without our consent; we may assign them on a merger or transfer of the programme. Neither party is liable for delay caused by events beyond reasonable control. These terms are governed by the law of the Federal Republic of Germany, and the courts of Bochum, Germany have jurisdiction, without prejudice to mandatory consumer protections in your country of residence.

Dr. Collen Lediga, VERITAS AML Academy — write to us through the correspondence address in the footer of this site. Billing and refund queries are handled by Paddle at paddle.net.