< Back

Terms of Use

Effective Date: March 19, 2026

IMPORTANT NOTICE: THESE TERMS INCLUDE A BINDING ARBITRATION PROVISION, A CLASS ACTION WAIVER, AND A JURY TRIAL WAIVER, SUBJECT TO APPLICABLE LAW. PLEASE READ THEM CAREFULLY.

1. Agreement to These Terms

These Terms of Use (the “Terms”) govern your access to and use of the public-facing websites, pages, content, and related online materials made available by Protego Holdings Corporation, National Digital Trust Company (In Organization), and Quintessentially Technology Services Corporation (collectively, “Protego Group,” “we,” “us,” or “our”) that link to or display these Terms (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Notice and applicable privacy addenda, each incorporated herein by reference solely to the extent applicable to the Site. If you do not agree, you must not access or use the Site.

These Terms apply only to the public Site. They do not govern any password-protected portals, diligence rooms, APIs, applications, beta environments, or any separate product or service that may be offered under separate terms, disclosures, or agreements.

If you access or use the Site on behalf of an entity, you represent and warrant that you are authorized to bind that entity to these Terms, and in that case “you” and “your” refer to both you and that entity.

2. Nature of the Site; No Financial Services

The Site is offered solely for general informational, educational, and corporate communications purposes.

No banking services, fiduciary services, trust services, custody services, brokerage services, trading services, lending services, money transmission services, investment advisory services, legal services, tax services, or other financial or professional services are provided through the Site.

No account may be opened through the Site, no transaction may be initiated or executed through the Site, and no customer, fiduciary, advisory, or other regulated relationship is created merely by visiting or using the Site.

Any discussion of products, capabilities, infrastructure, strategy, regulatory matters, or future offerings is provided for background purposes only and does not constitute an offer, solicitation, commitment, or promise that any product or service is currently available or will be made available on any particular terms.

3. Eligibility

You may use the Site only if you are at least 18 years old and capable of forming a binding contract under applicable law. By using the Site, you represent and warrant that you meet these requirements.

4. No Reliance; No Advice

The Site content is not intended to be, and must not be construed as, legal, tax, accounting, investment, regulatory, fiduciary, or other professional advice.

You agree that you will not rely on the Site as a substitute for independent diligence or professional advice tailored to your circumstances. Any reliance on the Site or its content is at your own risk.

5. Changes to the Site and the Terms

We may, at any time and without liability, add to, remove, modify, suspend, or discontinue any aspect of the Site, including content, features, availability, or functionality.

We may also revise these Terms from time to time. Unless otherwise required by law, revised Terms will become effective when posted to the Site, and your continued use of the Site after the effective date of updated Terms constitutes acceptance of the revised Terms.

Any changes to the arbitration provisions below will apply only as stated in Section 17.

6. Ownership; Limited License

The Site and all text, graphics, logos, icons, videos, audio, software, compilations, layouts, designs, data, and other materials made available through it (collectively, “Content”) are owned by Protego Group or its licensors and are protected by intellectual property and other applicable laws.

Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal or internal business informational use only.

You may not, except as expressly permitted in writing by us:

  • copy, reproduce, republish, upload, post, transmit, distribute, or publicly display Content;
  • modify, adapt, translate, reverse engineer, decompile, or create derivative works from the Site or Content;
  • use any trademark, logo, trade dress, or branding of Protego Group without prior written consent; or
  • use Content for commercial exploitation, competitive benchmarking, or training datasets except to the extent such restriction is prohibited by applicable law.

7. User Conduct

You agree to use the Site only in compliance with applicable law and these Terms. Without limiting the foregoing, you agree not to:

  • upload, transmit, or introduce any malware, malicious code, or harmful material;
  • interfere with or disrupt the integrity, performance, or availability of the Site;
  • attempt to gain unauthorized access to the Site, related systems, accounts, or networks;
  • impersonate any person or entity or misrepresent your affiliation;
  • use the Site in a way that violates or infringes the rights of others;
  • scrape, crawl, spider, harvest, or extract data from the Site using any robot, bot, script, or automated means, except as authorized by us in writing;
  • bypass or defeat access controls, rate limits, headers, exclusion protocols, or security features;
  • mirror, frame, or otherwise re-present the Site or Content without permission; or
  • submit false, misleading, or incomplete information through the Site.

8. Information You Submit

If you submit information to us through the Site, you represent and warrant that the information is accurate, current, and not misleading, and that you have all rights necessary to provide it.

You must not submit through the Site any confidential, proprietary, export-controlled, regulated, or highly sensitive information unless we have expressly requested it through an authorized channel.

We may use information you submit in accordance with our Privacy Notice and to the extent necessary to operate the Site, respond to inquiries, administer communications, and protect our rights.

9. Communications

If you provide contact information to us, you consent to receive communications from us relating to your inquiry, our Site, corporate updates, events, thought leadership, or other communications consistent with your preferences and applicable law.

You may opt out of marketing emails using the unsubscribe mechanism included in those communications. Opting out of marketing messages will not prevent us from sending non-marketing communications relating to your requests or our ongoing interactions with you.

10. Third-Party Links and Materials

The Site may include links to third-party websites, content, tools, or services. Those third parties are not under our control, and we do not endorse or assume responsibility for their content, security, availability, accuracy, or privacy practices.

Your use of third-party sites and services is at your own risk and is governed by the terms and policies of those third parties, not these Terms.

11. Forward-Looking Statements and Informational Materials

Certain materials on the Site may contain statements regarding future plans, expected capabilities, strategic priorities, market opportunities, regulatory developments, or other forward-looking matters. Such statements are inherently uncertain and are not guarantees of future performance or availability.

We undertake no obligation to update such statements except as required by law.

12. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND WITH ALL FAULTS.

To the fullest extent permitted by law, PROTEGO GROUP, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND REPRESENTATIVES DISCLAIM ALL WARRANTIES, CONDITIONS, AND REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, OR FREEDOM FROM ERRORS, VIRUSES, OR HARMFUL COMPONENTS.

Without limiting the foregoing, we do not warrant that:

  • the Site will be uninterrupted, timely, secure, or error-free;
  • defects will be corrected;
  • the Site or the servers that make it available will be free of viruses or other harmful components; or
  • the Content is current, complete, or suitable for any particular purpose.

13. Limitation of Liability

To the fullest extent permitted by law, PROTEGO GROUP, ITS AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages, or for any loss of profits, revenues, goodwill, business opportunities, data, or use, arising out of or related to the Site, Content, or these Terms, whether based in contract, tort, negligence, strict liability, or otherwise, even if advised of the possibility of such damages.

To the fullest extent permitted by law, the aggregate liability of Protego Group and its affiliates arising out of or relating to the Site or these Terms shall not exceed the greater of (i) one hundred U.S. dollars (US $100) or (ii) the amount, if any, you paid directly to us solely for access to the Site in the 12 months preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable law.

14. Indemnification

You agree to defend, indemnify, and hold harmless Protego Group and its affiliates, and each of their respective officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, demands, actions, proceedings, damages, judgments, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • your use of the Site;
  • your breach of these Terms;
  • your violation of applicable law; or
  • your infringement or misappropriation of any third-party rights.

15. Suspension and Termination

We may suspend or terminate your access to the Site, in whole or in part, at any time, with or without notice, if we believe you have violated these Terms, created risk for us or others, or where suspension or termination is otherwise appropriate in our discretion.

Sections that by their nature should survive termination will survive, including Sections 4, 6, 10–19.

16. Governing Law

These Terms, and any dispute or claim arising out of or relating to them or the Site, are governed by the laws of the State of Washington, without regard to conflict-of-law principles, except to the extent federal law, including the Federal Arbitration Act, governs.

17. Dispute Resolution; Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

A. Informal Resolution First

Before initiating arbitration or litigation, you and Protego Group agree to attempt to resolve any dispute informally. To start this process, you must send written notice describing the dispute and the relief sought to:

Legal Department

Protego Holdings Corporation / Protego Group

legal@nationaldigital.com

If the parties do not resolve the dispute within 30 days after receipt of the notice, either party may proceed as permitted below.

B. Agreement to Arbitrate

Except for disputes that qualify for small claims court and disputes seeking injunctive or other equitable relief for actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality rights, any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the relationship between you and Protego Group shall be resolved exclusively by final and binding arbitration on an individual basis.

This arbitration agreement is governed by the Federal Arbitration Act (“FAA”).

C. Arbitration Rules and Forum

The arbitration shall be administered by JAMS under its then-current Streamlined Arbitration Rules and Procedures or Comprehensive Arbitration Rules and Procedures, as applicable, except as modified by these Terms. Unless otherwise required by applicable law:

  • if you reside in the United States, the arbitration will take place in the county of your residence or remotely, at either party’s election, to the extent permitted by the applicable rules; and
  • if you reside outside the United States, the arbitration will take place in King County, Washington, or remotely, to the extent permitted by the applicable rules.

D. Individual Proceedings Only; Class Action Waiver

YOU AND PROTEGO GROUP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OR PROCEEDING.

Unless both parties expressly agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative, class, coordinated, or mass proceeding.

E. Jury Trial Waiver

TO THE EXTENT ANY DISPUTE PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND PROTEGO GROUP EACH WAIVE ANY RIGHT TO A JURY TRIAL, TO THE FULLEST EXTENT PERMITTED BY LAW.

F. Arbitration Costs

Payment of filing, administration, and arbitrator fees will be governed by the applicable JAMS rules, except that if the arbitrator determines that a claim is non-frivolous and applicable law requires us to bear a greater share of fees in order for this arbitration provision to be enforceable, we will do so.

Each party will bear its own attorneys’ fees except as otherwise provided by applicable law or arbitral rule.

G. Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@nationaldigital.com with the subject line “Arbitration Opt-Out” within 30 days of the earlier of (i) your first use of the Site after these Terms become effective or (ii) the date these Terms are first presented to you.

Your opt-out notice must include your name, contact information, and a clear statement that you wish to opt out of arbitration. If you validly opt out, neither you nor Protego Group will be bound by this Section 17 with respect to you.

H. Changes to This Section

If we materially change this Section 17, such changes will apply only to claims arising after the effective date of the revised version, unless applicable law permits broader application.

18. Assignment

You may not assign, delegate, or transfer these Terms or any rights or obligations under them without our prior written consent. Any attempted assignment in violation of this Section is void.

We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of assets.

19. Miscellaneous

These Terms constitute the entire agreement between you and Protego Group with respect to the Site and supersede all prior or contemporaneous understandings relating to the Site.

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be enforced to the maximum extent permitted by law.

No waiver of any provision or breach will be effective unless in writing and signed by an authorized representative of Protego Group. A failure to enforce any provision is not a waiver.

Nothing in these Terms creates any joint venture, partnership, fiduciary, employment, agency, or similar relationship between you and Protego Group.

20. Contact Information

If you have questions about these Terms, please contact:

Legal Department

Protego Holdings Corporation / National Digital Trust Company (In Organization) / Quintessentially Technology Services Corporation

Email: legal@nationaldigital.com