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Terms of Service

Effective: 6 July 2026

These Terms govern your use of concura.ioand any paid engagement with Concura (“we”, “us”, “our” — Patrick Pangan, sole trader, trading as Concura, Ireland). By accessing the site, requesting a free Article 50 gap review, or checking the “I agree” box at checkout, you confirm that you have read and agreed to these Terms.

1. Acceptance

By accessing or using the service you confirm that you have read, understood, and agreed to these Terms. If you do not agree, do not use the service.

2. Service description

Concura provides fixed-scope, fixed-price technical compliance engineering under the EU AI Act — disclosure deliverables, logging specifications, oversight UI kits, and the like. We do not provide legal advice, regulator correspondence, or any reserved-practice legal services. Deliverables are technical and operational artefacts based on publicly available regulatory text and Concura’s professional interpretation.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a contract under the laws of your jurisdiction. If you accept these Terms on behalf of an organisation, you confirm that you have authority to bind that organisation.

4. Engagement scope

Each paid engagement is governed by a separate Letter of Engagement signed by both parties. In case of conflict between these Terms and a signed engagement letter, the engagement letter prevails for matters specific to that engagement.

5. Payment

Engagement fees are split 50% on signature of the engagement letter and 50% on delivery of the Master Document. Invoices are payable within 14 days unless otherwise agreed. Late payment accrues interest at the European Central Bank main refinancing rate plus 8 percentage points, in line with EU Directive 2011/7/EU.

6. Refunds

You may cancel a paid engagement within 14 days of payment for a full refund, no questions asked. Email [email protected] with your engagement reference to request a refund. After the 14-day window, fees are non-refundable except where we materially fail to deliver the agreed scope (see §9).

7. Intellectual property

Your pre-existing intellectual property remains yours. On full payment of fees, we grant you a non-exclusive, perpetual, royalty-free licence to use the deliverables for your internal compliance and product-disclosure purposes. Concura retains ownership of its underlying frameworks, templates, scoring rubrics, and methodologies, which it may continue to use for other clients.

8. Confidentiality

A mutual Non-Disclosure Agreement of even date governs the exchange of confidential information between the parties and is incorporated into these Terms by reference. In case of conflict on confidentiality matters, the NDA prevails.

9. Disclaimers — no warranty

THE SERVICE AND ALL DELIVERABLES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Concura does not warrant that the deliverables, alone or with implementation, will result in any particular regulatory outcome, accreditation, or absence of regulatory action by any competent authority. You remain responsible for obtaining independent legal advice before relying on the deliverables in regulatory correspondence.

10. Limitation of liability

To the maximum extent permitted by applicable law:

  • In no event shall Concura be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, business opportunity, or goodwill — whether in contract, tort (including negligence), or otherwise — arising out of or in connection with the service.
  • The total aggregate liability of Concura under or in connection with these Terms or any engagement shall not exceed the total fees paid by you under the relevant engagement in the twelve (12) months preceding the event giving rise to the claim.
  • Nothing in these Terms limits liability that cannot be excluded by law, including (i) fraud or fraudulent misrepresentation, (ii) death or personal injury caused by negligence, and (iii) any liability that cannot lawfully be limited.

11. Indemnification

You agree to indemnify and hold harmless Concura from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your use of the deliverables in a manner inconsistent with the agreed scope, or (c) your regulatory non-compliance not caused by Concura’s negligence.

12. Suspension and termination

We may suspend or terminate your access to concura.io at any time if you materially breach these Terms and fail to cure within 14 days of written notice. Paid engagements terminate in accordance with the termination provisions of the engagement letter.

13. Force majeure

Neither party shall be liable for any delay or failure to perform an obligation (other than payment obligations) due to causes beyond its reasonable control, including acts of God, war, terrorism, pandemic, government action, internet or telecommunications failure, or natural disaster.

14. Governing law and jurisdiction

These Terms are governed by the laws of Ireland. The parties submit to the exclusive jurisdiction of the courts of Ireland for any dispute arising out of or in connection with these Terms.

15. Modifications

We may update these Terms from time to time. Material changes will be announced on concura.io with at least 14 days’ notice. Continued use of the service after the effective date of the changes constitutes acceptance of the updated Terms.

16. General

  • Entire agreement. These Terms (together with any signed engagement letter and NDA) constitute the entire agreement between you and Concura on the subject matter and supersede all prior discussions.
  • Severability. If any provision is held invalid or unenforceable, the remainder remains in full force and effect.
  • No waiver. Failure or delay in exercising any right is not a waiver of that right.
  • Assignment. You may not assign your rights under these Terms without our prior written consent, except to a successor in a bona fide reorganisation or sale of substantially all assets.
  • Third-party rights. A person who is not a party to these Terms has no right to enforce any term under the Contracts (Rights of Third Parties) Act 1999 (Ireland).

17. Contact

Questions about these Terms? Email [email protected].

Working draft, not individually reviewed by counsel. Patrick to obtain counsel review before treating as binding in any specific dispute (€200–400 budgeted). Recommended reviewers: Ronan Daly Jermyn (Cork/Dublin) or Bird & Bird Dublin AI practice.