Terms and Conditions

Last updated: 15 August 2026

These terms govern your use of the My Compliance Library website and everything you buy from it. My Compliance Library is operated by MorPhoe Tech Inc, a California corporation, whose address is 3644 Wyndham Dr, Fremont, CA 94536, USA. In these terms, "we" and "us" mean MorPhoe Tech Inc, and "you" means the person or organisation using the site or buying from it.

They are written in plain language, and they are meant to be read. Two other documents sit alongside them and form part of the same agreement: our refund and returns policy, which governs money, and our privacy policy, which governs the information we hold about you. Where the refund policy and these terms say different things about a refund, the refund policy wins.

By using this site, buying from it, or downloading anything from it, you accept these terms. If you are accepting on behalf of an organisation, you are confirming that you are authorised to do so, and the agreement is with that organisation.

1. Our documents are not legal advice

This is the most important section here, so it comes first.

We sell compliance programs, policies, procedures and templates. They are general documents, written to be a practical starting point for an organisation that needs one. They are not legal advice, they are not regulatory advice, and they are not tax or accounting advice.

We are not a law firm and we are not your lawyer. Buying a program, reading this site, using our assistant or speaking to one of our consultants does not create a solicitor-client or attorney-client relationship, and nothing you send us is protected by legal privilege.
No document here is written for your organisation. Off-the-shelf programs are written for a category of business, not for yours. What the law requires of you depends on where you operate, what you do, how big you are, who your customers are and what data you hold, and it changes over time.
You must review and adapt what you buy. Before you rely on any document, have it reviewed by qualified counsel or a compliance professional who knows your situation, and change it so it describes what your organisation actually does. A policy that says something your organisation does not do is worse than no policy.
Nothing here is a guarantee of compliance. Buying, downloading or adopting our documents does not make you compliant with any law, standard or framework, and does not guarantee that you will pass an audit, an inspection, a certification, a customer's due diligence or a regulator's review. No regulator, certification body or standards body has approved, endorsed or reviewed these documents, and we do not claim otherwise.
Compliance stays yours. You remain solely responsible for meeting your own legal and regulatory obligations, and for the decisions you make on the basis of anything you get from us.

The same applies to our consulting and fractional compliance officer work. Those services are compliance consulting. They are not the practice of law, and the person you speak to is not acting as your lawyer.

2. What you are buying

You are buying a licence to use a document, not the document itself. We keep ownership of the documents themselves, including the copyright in them and in this website.

The programs and policy documents in our shop are digital files, delivered as soon as your payment succeeds. There is no physical product, no subscription and no recurring charge. Custom-built programs and consulting are arranged separately, on a scope agreed with you in writing before work starts.

3. Your licence

When you buy a program or policy document and your payment is complete, we grant you a worldwide, non-exclusive, non-transferable licence, for as long as the order stands, to do the following within your own organisation:

use, copy, print and store the documents for your own internal use;
edit and adapt them, including putting your own name and branding on them, so they fit your organisation;
issue them to your own staff and contractors as the organisation's own policies and procedures;
show them, in the form you have adopted them, to your auditors, certification bodies, regulators, insurers and customers as evidence of your compliance program.

One purchase covers one organisation. If a group of companies needs to use a program across several separate legal entities, ask us first.

What the licence does not allow, at any price:

reselling, renting, sublicensing, publishing or otherwise distributing the documents outside your organisation, whether or not you charge for it, and whether or not you edited them first;
sharing them with another organisation as a template, including a client, a group company or an affiliate, unless we have agreed that in writing;
using them to build, populate or improve a competing library, template collection, consultancy product or software product;
using them to train, fine-tune or ground a machine learning model, other than a tool used only inside your own organisation and only on your own adopted copies;
removing our copyright notices from a copy you are keeping in its original form.

The licence ends if the order is refunded, or if a chargeback on the order is decided against us. When that happens you must stop using the documents and delete the copies you hold. It also ends if you breach the restrictions above and do not put it right within 14 days of us asking you to.

4. Orders, prices and payment

Prices are shown on each product page in US dollars, and the price charged is always the one held in our own catalogue, never a price submitted by your browser.
Payment is processed by Stripe. Card details are entered directly with Stripe and never reach our servers.
Your order is accepted when payment succeeds and we confirm it by email. Until then, we may decline an order, for example where a price was displayed in error, where we cannot deliver, or where we believe the order is fraudulent.
Promotion codes can be applied in the payment form. They may be limited in time or number, and we may withdraw one at any time before it is used.
Prices exclude any tax that may be due where you are. If you are required to account for import, sales or value added tax on a digital purchase, that is yours to handle.

Refunds, cancellations, disputes and chargebacks are covered by the refund and returns policy, including what a refund does to your access.

5. Delivery and access

Your files are kept in private storage and are never left at a public address. After you pay, we email you a link to your own order page, and each download button on that page creates a fresh signed link that works for 15 minutes. Requesting a new one costs nothing and you can do it as often as you like, for as long as the order stands.

Please treat your order page link as confidential. Anyone who has it can download the files on that order, so do not post it or forward it outside your organisation. Tell us if you think it has been seen by someone who should not have it and we will help.

We do not promise that the site or the download service will be available without interruption, and we may take either offline for maintenance. If we ever cannot deliver files you have paid for, the refund policy applies.

6. Updates to the programs

We improve our programs over time. A purchase buys the version of the documents that existed when you bought them. We do not promise updates, and there is no automatic redelivery when a program changes. Regulations change, so treat what you bought as a document you now own and maintain, not as a subscription that keeps itself current.

7. Accounts

You do not need an account to buy or to download. If you create one:

give us accurate details, and keep your email address current, because that is where receipts and download links go;
choose a password of at least 10 characters and keep it to yourself. You are responsible for what happens under your account;
you will be asked to verify your email address before your account will show any order history, because order history is matched on email address;
tell us promptly if you think someone else has access to your account. Changing your password signs out every other session;
we may suspend or close an account that is being used to breach these terms.

This site sells to organisations and is not intended for children. Do not create an account or buy from us if you are under 16.

8. Acceptable use

When you use this site, you agree not to:

try to reach files, orders or accounts that are not yours, including by guessing, altering or replaying download links;
interfere with the site, probe it for weaknesses, or try to get around any security or access control;
scrape, copy or systematically download the site's content, or use automated tools against it beyond ordinary browsing;
impersonate anyone, or misrepresent your relationship with an organisation;
use the site or anything bought from it for an unlawful purpose.

If you find a security problem, please tell us at support@mycompliancelibrary.com rather than demonstrating it on live orders. We would rather hear about it.

9. Our assistant and other AI tools

We offer an AI compliance assistant, and we build custom assistants for organisations. These are hosted by a third party under that provider's own terms, and we do not control their model.

AI output can be wrong, out of date or incomplete, and it can be confidently wrong. It is a drafting and research aid, not a source of truth, and everything in section 1 applies to it in full. Check anything it produces before you rely on it. Do not enter confidential, personal or regulated data into a third-party assistant unless your own policies allow it.

10. Third-party services and links

We use third parties to run this business, including a payment processor, an email provider, a scheduling tool and file storage. Our privacy policy explains what they receive. This site also links to other websites. We do not control them, we are not responsible for their content, and a link is not an endorsement.

11. Our intellectual property

The website, its design, its text, its images, its blog posts, the My Compliance Library name and logo, and all compliance programs, documents and templates we sell, are owned by MorPhoe Tech Inc or by our licensors. Section 3 sets out everything you may do with the documents you buy. Nothing else on this site may be copied, republished or used commercially without our written permission.

12. No warranty

We put real care into these documents and we stand behind the refund policy. Beyond that, and to the fullest extent the law allows, everything on this site and everything bought from it is provided "as is" and "as available", and we make no warranties of any kind, express or implied. That includes any implied warranty of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, completeness, non-infringement, or that any document will satisfy a particular law, standard, auditor or regulator.

If you are a consumer, this section does not take away rights you have under consumer protection law, and it does not apply to anything that cannot lawfully be excluded.

13. Limitation of liability

To the fullest extent the law allows:

we are not liable for indirect, incidental, special or consequential loss, or for loss of profit, revenue, business, goodwill, anticipated savings or data, however it arises;
we are not liable for fines, penalties, sanctions, enforcement action, failed audits, lost certifications or claims by third parties arising from your compliance obligations, whether or not you used our documents;
our total liability to you, for all claims arising out of or connected with this agreement, is limited to the amount you paid us in the 12 months before the claim arose.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded or limited. If you are a consumer, your statutory rights are unaffected, and we are not liable for loss you suffer in the course of a business or trade.

14. Indemnity

If you are buying as a business, you agree to cover us against claims, losses and reasonable costs arising from your use of the documents outside the licence in section 3, from your breach of these terms, or from your own unlawful use of anything you bought.

15. Suspension and ending the agreement

You can stop using the site at any time. We may suspend or withdraw access, and end the licence in section 3, if you materially breach these terms, in particular by redistributing or reselling our documents. Sections 1, 11, 12, 13, 14 and 16 survive the end of this agreement.

16. Governing law and disputes

These terms, and any dispute arising out of them or out of anything you buy from us, are governed by the law of the United States and of the State of California, without regard to conflict of law rules, and the courts of that state have jurisdiction.

If you are a consumer resident in the United Kingdom or the European Union, this does not deprive you of the protection of the mandatory consumer law of the country you live in, or of your right to bring proceedings in your local courts where that law gives you one.

Before starting any formal proceedings, please email us. Most things are quicker to fix that way.

17. Changes to these terms

We may change these terms. The current version is always on this page with the date it was last updated, and it applies to your use of the site from the day it is posted. A purchase is governed by the terms published on the day you bought it, so a later change does not alter a purchase you have already made.

18. General

These terms, the refund policy and the privacy policy are the whole agreement between us about the site and what you buy from it.
If any part of them is found to be unenforceable, the rest continues to apply.
If we do not enforce something straight away, we do not lose the right to enforce it later.
You may not transfer your rights under this agreement without our written permission. We may transfer ours if our business is transferred, provided your rights are not reduced.
No one other than you and us has any right to enforce these terms.

19. Contact

MorPhoe Tech Inc, a California corporation, operating My Compliance Library.
3644 Wyndham Dr, Fremont, CA 94536, USA.
Email: support@mycompliancelibrary.com
Business hours: Monday to Friday, 9:00 AM to 5:00 PM.