Last Updated: 3 July 2026
1. Introduction
Welcome to Confrmo.
These Terms and Conditions (“Terms”) govern your access to and use of the Confrmo mobile application, website, APIs, SDKs and associated services (collectively referred to as the Service).
The Service is operated by:
Confrmo Ltd
England and Wales
Company Number: 17203914
By creating an account or using the Service, you agree to these Terms.
If you do not agree, you must not use the Service.
2. What Confrmo Is
Confrmo is a digital identity and authentication platform designed to help individuals prove they are the legitimate person behind an account, document, transaction or approval.
Depending on the services being used, Confrmo may provide:
- identity verification
- biometric authentication
- secure sign in
- transaction approvals
- secure document presentation
- document validation
- account linking
- fraud prevention
- anti-impersonation services
- identity confirmation APIs
- enterprise authentication services
Confrmo confirms identity but does not guarantee that every transaction, document or third party is genuine.
3. Eligibility
You must:
- be at least 18 years old; or
- have permission from a parent or legal guardian where permitted by law.
You must have legal capacity to enter into this agreement.
Certain features may require additional age verification.
4. Your Account
You agree to:
- provide accurate information
- keep your information updated
- maintain control of your device
- protect your authentication methods
- notify Confrmo immediately if your account may have been compromised.
You remain responsible for activity carried out using your account unless caused by Confrmo’s negligence.
5. Identity Verification
Confrmo may request information including:
- passport
- driving licence
- national identity card
- biometric information
- proof of address
- bank statement
- selfie verification
- video verification
- additional documentation
Verification requirements may change depending on risk, jurisdiction or the relying organisation.
Confrmo may decline or suspend verification where fraud, inconsistency or regulatory obligations require it.
Verification does not constitute legal identification unless expressly stated by the requesting organisation.
6. Biometrics
Where enabled, Confrmo may process biometric information including:
- facial recognition
- facial geometry
- liveness detection
- device authentication
- behavioural verification
Biometric information is processed solely for identity verification and security purposes.
Where required by law, your explicit consent will be obtained before biometric processing begins.
7. Secure Document Presentation
Some organisations may request that you present documents through Confrmo.
Unless explicitly stated otherwise:
- documents are presented for viewing only
- screenshots may be restricted
- downloads may be disabled
- organisations may not retain copies where prohibited
- access may expire automatically
The organisation remains responsible for how it uses information lawfully obtained.
8. Your Responsibilities
You agree not to:
- impersonate another person
- submit false documents
- bypass identity checks
- reverse engineer the Service
- interfere with security mechanisms
- attempt unauthorised access
- use the Service for unlawful activity
- create multiple accounts to circumvent restrictions
- assist fraud or money laundering
- misuse another person’s identity
Violation may result in immediate suspension.
9. Linked Accounts
Confrmo may allow you to connect third-party accounts.
Examples include:
- Apple
- Microsoft
- banking providers
- enterprise identity providers
- employer systems
You remain subject to the terms of those providers.
Confrmo is not responsible for third-party services.
10. Transactions
Certain services may require your approval before:
- signing in
- authorising payments
- approving transactions
- sharing identity information
- sharing documents
You remain responsible for reviewing requests before approving them.
Once approved, actions may become irreversible.
11. Privacy
Your use of Confrmo is also governed by our Privacy Policy.
Our Privacy Policy explains:
- what data we collect
- why we collect it
- how long it is retained
- your rights
- how to contact us
Where applicable, processing is carried out under UK GDPR and the Data Protection Act 2018.
12. Security
Confrmo uses commercially reasonable security measures including:
- encryption
- secure communications
- device binding
- fraud detection
- access controls
- monitoring
No online service can guarantee absolute security.
You acknowledge that internet communications always carry some risk.
13. Availability
We aim to keep Confrmo available continuously.
However, we do not guarantee uninterrupted availability.
Maintenance, upgrades, security events or third-party failures may temporarily affect the Service.
14. Fees
Basic services may be free.
Certain premium services, subscriptions or enterprise services may require payment.
Prices will be displayed before purchase.
Applicable taxes may apply.
Subscriptions automatically renew unless cancelled before renewal.
15. Refunds
Unless required by law:
- subscriptions are non-refundable
- partial months are not refunded
- enterprise agreements are governed by separate contracts
Consumer rights remain unaffected.
16. Intellectual Property
All intellectual property relating to Confrmo remains the property of Confrmo Ltd or its licensors.
This includes:
- software
- trademarks
- logos
- SDKs
- APIs
- source code
- documentation
- graphics
- branding
- algorithms
No rights are transferred except those expressly granted.
17. User Content
You retain ownership of documents and information you upload.
You grant Confrmo a limited licence to process such information solely for providing the Service.
You confirm you have permission to upload all submitted materials.
18. Suspension and Termination
Confrmo may suspend or terminate accounts where:
- fraud is suspected
- abuse occurs
- unlawful activity is identified
- regulatory obligations require action
- these Terms are breached
Where appropriate, we may retain records to comply with legal obligations.
19. Third-Party Organisations
Organisations relying on Confrmo remain responsible for:
- their own compliance
- identity decisions
- onboarding decisions
- regulatory obligations
- record keeping
Confrmo provides identity confirmation technology only.
20. Disclaimer
The Service is provided on an “as available” basis.
To the fullest extent permitted by law, Confrmo excludes implied warranties except those which cannot legally be excluded.
Identity verification reduces risk but cannot eliminate all fraud.
21. Limitation of Liability
Nothing in these Terms excludes liability for:
- death or personal injury caused by negligence
- fraud
- fraudulent misrepresentation
- any liability that cannot legally be excluded.
Subject to the above, Confrmo shall not be liable for:
- indirect loss
- consequential loss
- loss of profits
- loss of goodwill
- business interruption
- loss of opportunity
- data loss beyond our reasonable control
Where permitted by law, Confrmo’s total liability arising from your use of the Service shall not exceed the greater of:
- £100; or
- the amount paid by you to Confrmo during the preceding twelve months.
22. Indemnity
You agree to indemnify Confrmo against losses arising from:
- your unlawful use of the Service
- your breach of these Terms
- infringement of third-party rights
- fraudulent activity conducted through your account.
23. Changes to the Service
We may:
- improve features
- remove functionality
- introduce new services
- modify authentication methods
- update supported devices
Material changes to these Terms will be communicated through the Service where appropriate.
24. Governing Law
These Terms are governed by the laws of England and Wales.
The courts of England and Wales shall have exclusive jurisdiction except where consumer protection legislation provides otherwise.
25. Contact
Confrmo Ltd
Email:
Website:
26. Entire Agreement
These Terms, together with our Privacy Policy and any applicable enterprise agreements, constitute the entire agreement between you and Confrmo regarding your use of the Service.
© 2026 Confrmo Ltd. All rights reserved.