Terms of Use
Website: http://www.risk-wire.com
Last updated: May 2026
Version: 1.0
1. About These Terms
These Terms of Use govern your access to and use of http://www.risk-wire.com (the “Website”), including all content, articles, commentary, and materials published on it.
The Website is operated by an individual based in the United Kingdom (“we”, “us”, or “our”). By accessing or using this Website, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Website.
We may update these Terms of Use from time to time. Any changes will be published on this page with a revised “Last updated” date. Your continued use of the Website after changes are posted constitutes your acceptance of the revised terms.
2. Nature of the Website
Riskwire is an independent practitioner-led blog providing commentary, analysis, and reference material on topics including:
- Sanctions regimes and compliance
- Anti-money laundering (AML) and financial crime compliance
- Geopolitical and regulatory risk
- Related legal, regulatory, and professional developments
The Website is intended for informational and educational purposes only. It is aimed primarily at compliance professionals, legal practitioners, researchers, financial services professionals, and others with a legitimate interest in these subject areas.
3. Not Professional or Legal Advice
The content published on this Website does not constitute legal advice, compliance advice, regulatory advice, financial advice, or any other form of professional advice.
All articles, posts, analyses, and commentary are provided as general information only, reflecting the personal views and understanding of the author at the time of writing. They do not represent the views of any employer, regulator, professional body, or other organisation.
Nothing on this Website should be relied upon as a substitute for independent legal, compliance, or professional advice tailored to your specific circumstances. You should always consult a suitably qualified professional before taking or refraining from any action based on content published here.
Sanctions, AML, and financial crime law and regulation are complex, jurisdiction-specific, and subject to frequent change. While we endeavour to ensure that content is accurate and up to date at the time of publication, we cannot guarantee that any information remains current, complete, or applicable to your jurisdiction or situation.
We expressly disclaim all liability for any action taken or not taken in reliance on the content of this Website.
4. Accuracy and Currency of Information
We make reasonable efforts to ensure that content published on the Website is accurate, well-researched, and based on publicly available information. However:
- Content reflects the author’s understanding at the time of writing and may not reflect subsequent legal, regulatory, or factual developments.
- Sanctions regimes, AML regulations, and geopolitical situations change rapidly. Content that was accurate at the time of publication may become outdated.
- We do not represent or warrant that any content on this Website is accurate, complete, current, or free from error.
- References to regulatory guidance, legislation, enforcement actions, or designations should always be verified against primary sources, including official government and regulatory publications.
We are under no obligation to update or correct content after publication, though we may do so at our discretion.
5. Intellectual Property
5.1 Our Content
All original content published on this Website — including articles, analyses, commentary, graphics, and other materials created by us — is protected by copyright. The author retains all intellectual property rights in original content unless otherwise stated.
You may not reproduce, republish, distribute, sell, sublicense, or otherwise exploit our content for commercial purposes without our prior written consent.
5.2 Permitted Personal Use
You are permitted to:
- Read and access content on the Website for your own personal, non-commercial use
- Share links to individual articles or pages of the Website on social media, in emails, or in other communications
- Quote brief excerpts from articles for the purposes of commentary, criticism, or educational use, provided you clearly attribute the excerpt to Riskwire (www.risk-wire.com) and include a link to the original article
You must not reproduce substantial portions of any article or pass off our content as your own.
5.3 Third-Party Content
5.3 Third-Party Images and Visual Content
Some images used on this Website are sourced from third parties. Where the copyright holder or original source is known, we credit them alongside the image. Where the source is unclear despite reasonable effort to identify it, we note this where possible.
We endeavour to use only images that are either in the public domain, published under a Creative Commons or equivalent open licence, or otherwise believed to be available for use. If you are the copyright holder of any image appearing on this Website and believe it has been used without authorisation, please contact us at riskwire@outlook.com and we will respond promptly — either by crediting you appropriately, obtaining the necessary licence, or removing the image.
6. User-Generated Content (Comments)
Where comment functionality is enabled on the Website, you may submit comments on articles subject to the following terms:
6.1 Acceptable Use
By submitting a comment, you confirm that your submission:
- Is your own original content or content you have the right to post
- Is accurate to the best of your knowledge
- Does not infringe the intellectual property rights of any third party
- Does not constitute or contain defamatory, offensive, discriminatory, harassing, threatening, or unlawful content
- Does not contain personal data of third parties without their consent
- Does not contain spam, promotional material, or unsolicited advertising
- Does not contain malicious code, links to harmful content, or any material intended to compromise the Website or its users
6.2 Moderation
We reserve the right, at our sole discretion, to approve, reject, edit, or remove any comment at any time and without notice, including comments that we consider to be inappropriate, off-topic, misleading, or in breach of these Terms.
Moderation does not imply endorsement of any comment we approve.
6.3 Responsibility for Comments
You are solely responsible for the content of any comment you submit. We do not endorse or verify the accuracy of user-submitted comments, and published comments do not represent our views.
6.4 Licence to Publish
By submitting a comment, you grant us a non-exclusive, royalty-free, perpetual licence to publish, display, and moderate that comment on the Website. You retain ownership of your comment content.
7. External Links
The Website contains links to third-party websites, including regulatory bodies, government publications, news outlets, research institutions, and other online resources. These links are provided for convenience and informational purposes only.
We do not control, endorse, or take responsibility for the content, accuracy, or availability of any third-party website. Accessing any linked website is entirely at your own risk, and you should review the terms of use and privacy policies of any external site you visit.
A link to a third-party website does not imply any affiliation, sponsorship, or endorsement.
8. Prohibited Uses
You agree not to use this Website:
- For any unlawful purpose or in any way that breaches applicable local, national, or international law or regulation
- To transmit unsolicited or unauthorised advertising or promotional material (spam)
- To attempt to gain unauthorised access to any part of the Website, its server, or any associated systems
- To introduce or transmit any virus, malware, or other harmful or disruptive code
- To scrape, crawl, or harvest data from the Website in a manner that places unreasonable load on our servers or circumvents technical measures
- To impersonate any person or entity or misrepresent your affiliation with any person or entity
- In any way that could damage, disable, overburden, or impair the Website or interfere with other users’ access to it
- To reproduce or exploit our content in breach of Section 5 of these Terms
9. Disclaimer of Warranties
To the fullest extent permitted by law, this Website and all of its content are provided on an “as is” and “as available” basis, without any representation or warranty of any kind, whether express, implied, or statutory.
We make no warranties or representations that:
- The Website will be available, uninterrupted, or error-free
- The content is accurate, complete, current, or free from inaccuracies or omissions
- The Website is free from viruses or other harmful components
- Defects will be corrected
Nothing in these Terms shall exclude or limit any warranty implied by law that it would be unlawful to exclude or limit.
10. Limitation of Liability
To the fullest extent permitted by law, we shall not be liable to you for any:
- Loss of profits, revenue, contracts, anticipated savings, or business
- Loss of data or corruption of data
- Loss of goodwill or reputational damage
- Indirect, special, incidental, or consequential loss or damage of any kind
arising out of or in connection with your use of, or inability to use, this Website or its content, whether based in contract, tort (including negligence), statutory duty, or otherwise, even if we were advised of the possibility of such loss.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under English law.
11. Indemnity
You agree to indemnify, defend, and hold us harmless from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
- Your use of the Website in breach of these Terms
- Any content you submit (including comments) that infringes the rights of a third party or is otherwise unlawful
- Any violation of applicable law or regulation by you
12. Website Availability
We do not guarantee that the Website will always be available or that access will be uninterrupted. We may suspend, withdraw, or restrict access to all or part of the Website at any time, with or without notice, for operational, security, or other reasons. We will not be liable to you if, for any reason, the Website is unavailable at any time.
13. No Affiliation or Endorsement
Unless expressly stated otherwise:
- This Website is entirely independent. It has no affiliation with any regulatory authority, government body, law enforcement agency, professional body, employer, or commercial organisation.
- References to regulators (such as OFSI, OFAC, the FCA, MAS, HKMA, FinCEN, or others), enforcement agencies, or professional bodies are purely informational and do not imply any association or endorsement.
- Any views expressed are those of the author in a personal capacity and do not represent the views of any employer or professional body.
14. Privacy
Your use of this Website is also governed by our Privacy Policy, available at: http://www.risk-wire.com/privacy-policy. The Privacy Policy is incorporated into these Terms by reference.
By using the Website, you consent to the processing of your data as described in the Privacy Policy.
15. Governing Law and Jurisdiction
These Terms of Use, and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims), shall be governed by and construed in accordance with the law of England and Wales.
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 or their subject matter.
If you are accessing this Website from outside England and Wales, you do so at your own initiative and are responsible for compliance with any applicable local laws.
16. Severability
If any provision of these Terms is found by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that the remainder of the Terms continues in full force and effect.
17. Entire Agreement
These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and us in relation to your use of this Website, and supersede any prior representations, arrangements, or understandings between us relating to the same subject matter.
18. Contact
If you have any questions about these Terms of Use, please contact us at:
Email: riskwire@outlook.com
Website: http://www.risk-wire.com
These Terms of Use are governed by the laws of England and Wales. They were last reviewed in May 2026.