Terms & Conditions

Legal information governing access to SDRB.io, website materials, privacy and the use of digital services.

Terms of Use Privacy Policy Cookie Policy

Terms of Use

Last updated: 13 September 2026

These Terms of Use govern access to and use of the SDRB website, publications, materials and other digital resources made available by SDRB LTD (“SDRB”).

SDRB is developing institutional reserve governance infrastructure around the Open Reserve Standard (ORS) and the Governance Response Module (GRM). This website provides information about SDRB, ReserveFi, ORS, GRM, institutional collaboration and the development of SDRB’s reserve-governance infrastructure.

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, you should not use the website.

Platform Access and Eligibility

Access to SDRB materials and digital resources is subject to applicable laws and regulations. Users are responsible for ensuring that their access to and use of SDRB materials is lawful within their jurisdiction.

SDRB may restrict, suspend or discontinue access to certain materials, resources or services where required for legal, regulatory, security, operational or business reasons.

Nature of SDRB

SDRB is developing infrastructure and governance frameworks for institutional reserve environments.

Unless expressly stated otherwise:

  • SDRB does not provide retail banking services.
  • SDRB does not accept deposits from the public.
  • SDRB does not provide investment, legal, tax or financial advice.
  • SDRB does not provide brokerage, custody or asset-management services through this website.
  • Information published on SDRB.io does not constitute an offer, solicitation or recommendation to buy, sell or invest in any financial instrument, digital asset or other product.
  • No information published on this website guarantees any financial, commercial, operational or regulatory outcome.

Institutional Authority

SDRB’s current product direction is evidence-first and institutionally controlled.

ORS defines reserve-governance and evidence requirements, while GRM is being developed to support monitoring, exception identification and the preservation of independently reviewable governance evidence.

Institutions retain decision-making authority at all times.

Unless expressly stated otherwise in a future product or contractual arrangement, SDRB technology does not independently exercise institutional authority, initiate financial transactions, move assets, rebalance reserves or autonomously enforce reserve decisions.

Permitted Use

Users may access SDRB.io and publicly available SDRB materials for legitimate informational, research, evaluation and business purposes.

Any use of non-public materials, Design Partner materials, confidential documentation, technical information or other restricted SDRB resources may be subject to separate confidentiality obligations, contractual terms or access conditions.

Restricted Activities

Users may not:

  • Misuse or attempt to disrupt SDRB websites, systems or digital services.
  • Attempt to gain unauthorised access to restricted systems, information, materials or accounts.
  • Circumvent security, authentication or access-control measures.
  • Copy, reproduce, distribute or commercially exploit protected SDRB materials without authorisation.
  • Reverse engineer protected software, systems or proprietary technology except where expressly permitted by applicable law.
  • Use SDRB materials in a misleading, unlawful, fraudulent or deceptive manner.
  • Misrepresent any relationship, approval, certification, partnership, Design Partner status or endorsement involving SDRB, ORS or GRM.
  • Use SDRB branding, trademarks or materials in a manner that may imply an unauthorised association with SDRB.

Intellectual Property

Unless otherwise stated, the content, branding, graphics, software, documentation and other materials published by SDRB are owned by, licensed to or otherwise lawfully used by SDRB.

The Open Reserve Standard is intended to support an open institutional standardisation framework. Specific ORS materials may therefore be made available under separate publication, contribution or licensing terms.

Nothing in these Terms grants any right to use SDRB trademarks, branding, proprietary software, GRM technology, confidential information or other protected materials without prior written authorisation.

Forward-Looking Information

Certain information published by SDRB may describe planned capabilities, development objectives, anticipated integrations, future infrastructure, product direction or strategic objectives.

Such information reflects current intentions and may change as a result of institutional validation, Design Partner feedback, technical development, commercial considerations, regulatory requirements or other factors.

Future functionality, timelines, integrations, commercial objectives and product capabilities should not be interpreted as guaranteed commitments unless confirmed in a binding written agreement.

Third-Party Services and Links

SDRB.io may contain links to third-party websites, platforms, publications, services or other external resources.

SDRB does not control and is not responsible for the availability, accuracy, security, content or operation of third-party services.

Access to and use of third-party services is subject to the terms and policies applicable to those services.

Disclaimer

SDRB seeks to provide accurate, relevant and up-to-date information. However, SDRB does not warrant that all website content will always be complete, current, error-free, uninterrupted or suitable for a particular purpose.

Publicly available materials on SDRB.io are provided for general informational purposes only.

They should not be relied upon as a substitute for independent professional, legal, regulatory, technical, financial or investment advice.

Users remain responsible for conducting their own assessment before making decisions based on information published on SDRB.io.

Limitation of Liability

To the fullest extent permitted by applicable law, SDRB shall not be liable for losses arising from reliance on publicly available website information, temporary website unavailability, third-party services, unauthorised use of SDRB materials or circumstances outside SDRB’s reasonable control.

SDRB does not accept responsibility for decisions made solely on the basis of information published on SDRB.io.

Nothing in these Terms excludes or limits liability where such exclusion or limitation would be prohibited by applicable law.

Changes to the Website

SDRB may modify, update, suspend, withdraw or discontinue any part of SDRB.io, its public materials or associated digital resources at any time.

SDRB does not guarantee that any particular content, functionality, publication or resource will remain available indefinitely.

Changes to These Terms

SDRB may update these Terms of Use from time to time to reflect changes to SDRB.io, SDRB activities, applicable law, regulatory requirements or business operations.

The latest published version will apply from the date it is made available on SDRB.io.

Users are encouraged to review these Terms periodically.

Governing Law

These Terms of Use are governed by the laws of England and Wales, unless mandatory applicable law requires otherwise.

Any dispute relating to these Terms or the use of SDRB.io shall be subject to the jurisdiction of the courts of England and Wales, except where applicable law provides otherwise.

Contact

Questions regarding these Terms of Use may be directed to:

SDRB LTD

contact@sdrb.io

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Privacy Policy

Last updated: 13 September 2026

SDRB LTD (“SDRB”, “we”, “us” or “our”) respects the privacy of individuals who visit SDRB.io, contact SDRB, submit enquiries or otherwise interact with our website and digital services.

This Privacy Policy explains what personal information we may collect, how we use it, the legal bases on which we process it, how long we retain it, who we may share it with and the rights available to individuals under applicable data protection law.

For the purposes of applicable UK data protection law, SDRB LTD is responsible for the personal information described in this Privacy Policy.

Information We May Collect

Depending on how you interact with SDRB, we may collect the following categories of personal information:

  • Identity information, such as your name.
  • Professional information, such as your organisation, job title, role or institutional affiliation.
  • Contact information, such as your business email address and telephone number where voluntarily provided.
  • Enquiry and correspondence information, including information submitted through SDRB contact forms, Institutional Enquiry forms or direct communications with us.
  • Relationship information, including records relating to institutional discussions, Design Partner engagement, strategic collaboration or other business interactions.
  • Technical information, such as IP address, browser type, device information, operating system and technical logs generated when accessing SDRB.io.
  • Website usage information, including information about how visitors interact with SDRB.io where analytics or similar technologies are used in accordance with applicable requirements.

We ask users not to provide personal information that is unnecessary for the purpose of their enquiry.

How We Collect Personal Information

We may collect personal information:

  • Directly from you when you submit a form, contact SDRB or communicate with us.
  • Through professional or institutional interactions with SDRB.
  • Automatically through website infrastructure, security systems and permitted analytics technologies.
  • From publicly available professional or corporate sources where appropriate for legitimate institutional or business engagement.
  • From third parties who introduce or refer you to SDRB, where lawful and appropriate.

Where personal information is obtained from a source other than the individual concerned, SDRB will handle that information in accordance with applicable data protection requirements.

How We Use Personal Information

We may use personal information to:

  • Respond to enquiries and communications.
  • Manage institutional, commercial and strategic relationships.
  • Evaluate and manage potential Design Partner, institutional or business engagements.
  • Arrange meetings, workshops and other professional interactions.
  • Provide information relating to SDRB, ORS, GRM and ReserveFi.
  • Operate, maintain and secure SDRB.io and associated digital services.
  • Detect, investigate and prevent misuse, security incidents or unauthorised activity.
  • Improve website performance, functionality and user experience.
  • Maintain appropriate business and communication records.
  • Meet legal, regulatory, compliance and governance obligations.
  • Establish, exercise or defend legal rights where necessary.

We will not use personal information for purposes that are incompatible with those for which it was collected unless permitted or required by law.

Legal Bases for Processing

SDRB processes personal information only where there is an appropriate legal basis.

Depending on the circumstances, we may rely on:

Legitimate Interests

We may process personal information where necessary for our legitimate business interests, including:

  • Responding to business and institutional enquiries.
  • Developing and maintaining professional relationships.
  • Evaluating potential partnerships and institutional engagement.
  • Operating and protecting SDRB.io.
  • Maintaining appropriate business records.
  • Protecting SDRB, its systems, information and legal interests.

Where we rely on legitimate interests, we consider whether those interests are balanced against the rights and interests of the individuals concerned.

Contractual Necessity

We may process personal information where necessary to take steps at your request before entering into an agreement or to perform obligations under an existing agreement.

Legal Obligation

We may process personal information where necessary to comply with applicable legal, regulatory, accounting or other obligations.

Consent

Where required, we may rely on consent for specific processing activities.

Where processing is based on consent, you may withdraw your consent at any time. Withdrawal does not affect the lawfulness of processing carried out before consent was withdrawn.

Institutional and Business Enquiries

Information submitted through SDRB’s Contact SDRB or Institutional Enquiry forms may be used to assess the nature of an enquiry, identify the appropriate SDRB contact and determine whether further institutional, commercial or strategic discussion is appropriate.

Submitting an enquiry does not create a contractual relationship, Design Partner relationship, partnership, client relationship or other formal engagement with SDRB.

Sharing of Personal Information

SDRB does not sell personal information.

We may share personal information where reasonably necessary with selected third parties, including:

  • Website hosting and infrastructure providers.
  • Email, communications and collaboration providers.
  • IT, cybersecurity and technical service providers.
  • Analytics providers where applicable.
  • Professional advisers, including legal, accounting, regulatory or corporate advisers.
  • Contractors or service providers supporting legitimate SDRB business operations.
  • Government authorities, regulators, courts or law-enforcement bodies where disclosure is required or permitted by law.
  • Parties involved in a corporate transaction, restructuring, financing, merger, acquisition or similar transaction where appropriate safeguards apply.

Third parties processing personal information on behalf of SDRB are expected to handle such information only for authorised purposes and subject to appropriate confidentiality, security and data protection requirements.

International Data Transfers

Some service providers used by SDRB may process personal information outside the United Kingdom.

Where personal information is transferred internationally, SDRB will take appropriate steps to ensure that the transfer is made in accordance with applicable data protection law.

Where required, this may include relying on recognised adequacy arrangements or implementing appropriate contractual or other safeguards recognised under UK data protection law.

You may contact SDRB if you require further information regarding safeguards applicable to international transfers of your personal information.

Data Retention

SDRB retains personal information only for as long as reasonably necessary for the purposes for which it was collected and to meet applicable legal, regulatory, contractual, security and business requirements.

Retention periods may vary depending on the nature of the information and the relationship involved.

In determining appropriate retention periods, SDRB may consider:

  • The duration and nature of the relevant business or institutional relationship.
  • Whether an enquiry remains active or requires follow-up.
  • Applicable contractual obligations.
  • Legal, regulatory and record-keeping requirements.
  • The need to establish, exercise or defend legal rights.
  • Security, fraud-prevention and operational requirements.

Personal information that is no longer required will be deleted, anonymised or otherwise securely disposed of where appropriate.

Data Security

SDRB applies appropriate technical and organisational measures designed to protect personal information against unauthorised access, loss, misuse, alteration, disclosure or destruction.

Access to personal information is limited to individuals and service providers who require access for legitimate business purposes.

No method of electronic transmission or storage can be guaranteed to be completely secure. SDRB therefore cannot guarantee absolute security of information transmitted through the internet.

Your Data Protection Rights

Depending on the circumstances and applicable law, you may have the right to:

  • Request access to personal information held about you.
  • Request correction of inaccurate or incomplete personal information.
  • Request deletion of your personal information.
  • Request restriction of processing.
  • Object to certain processing based on legitimate interests.
  • Request transfer of certain personal information where the right to data portability applies.
  • Withdraw consent where processing is based on consent.
  • Lodge a complaint with the relevant data protection supervisory authority.

These rights are subject to applicable legal conditions and exemptions.

SDRB may need to verify your identity before responding to certain requests.

Right to Object

Where SDRB processes your personal information on the basis of legitimate interests, you have the right to object to that processing in certain circumstances.

If you object, SDRB will review whether there are compelling legitimate grounds for continuing the processing or whether processing is required for the establishment, exercise or defence of legal claims.

Automated Decision-Making

SDRB does not currently use personal information collected through SDRB.io to make solely automated decisions that produce legal effects or similarly significant effects on individuals.

If this changes, this Privacy Policy will be updated as required.

Children’s Privacy

SDRB.io is intended for professional, institutional and business audiences and is not directed at children.

SDRB does not knowingly seek to collect personal information from children through its website.

Third-Party Websites

SDRB.io may contain links to websites, platforms or services operated by third parties.

SDRB is not responsible for the privacy practices, security or content of third-party services. Individuals should review the privacy policies applicable to those services before providing personal information.

Cookies and Similar Technologies

SDRB.io may use cookies and similar technologies for essential website functionality, security, preferences and, where applicable, analytics.

Further information regarding the use of cookies and available choices is provided in SDRB’s separate Cookie Policy.

Changes to This Privacy Policy

SDRB may update this Privacy Policy from time to time to reflect changes in our activities, website, technologies, service providers or applicable legal and regulatory requirements.

The latest version will be published on SDRB.io together with the date of the most recent update.

Contact

Questions regarding this Privacy Policy, the processing of personal information or requests relating to data protection rights may be directed to:

SDRB LTD

contact@sdrb.io

Individuals may also have the right to lodge a complaint with the Information Commissioner’s Office (ICO), the United Kingdom’s data protection supervisory authority.

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Cookie Policy

Last updated: 13 September 2026

This Cookie Policy explains how SDRB LTD (“SDRB”, “we”, “us” or “our”) uses cookies and similar technologies when you visit SDRB.io.

Cookies and similar technologies may be used to operate the website, maintain security, remember user preferences, understand website performance and, where applicable, support analytics.

This Cookie Policy should be read together with SDRB’s Privacy Policy.

What Are Cookies?

Cookies are small files or pieces of information stored on or accessed from a user’s device when visiting a website.

They can support essential website functionality, remember certain preferences and provide information about how a website is used.

Similar technologies may include local storage, pixels, scripts, tags or other technologies capable of storing or accessing information on a user’s device.

How SDRB Uses Cookies

SDRB may use cookies and similar technologies for the following purposes:

  • To enable essential website functionality.
  • To maintain website security and protect against misuse.
  • To remember user preferences and cookie choices.
  • To understand website performance and technical operation.
  • To understand, where permitted, how visitors interact with SDRB.io.
  • To improve the functionality, usability and performance of the website.

SDRB does not use cookies to provide banking, investment or financial services.

Strictly Necessary Cookies

Strictly necessary cookies and similar technologies are required for the operation, security or functionality of SDRB.io.

These technologies may be used to:

  • Enable core website functionality.
  • Maintain website and session security.
  • Prevent fraudulent, abusive or malicious activity.
  • Support network management and technical delivery.
  • Remember privacy or cookie preferences where necessary.

Where applicable law permits, these technologies may operate without prior consent because they are necessary to provide the website or functionality requested by the user.

Disabling strictly necessary technologies through browser settings may affect the operation of SDRB.io.

Analytics and Performance Technologies

Where enabled, SDRB may use analytics or performance technologies to understand how visitors interact with SDRB.io.

These technologies may provide information such as:

  • Pages visited.
  • Approximate visit duration.
  • Referral source.
  • Browser and device type.
  • General interaction with website content.
  • Website performance and technical errors.

Where consent is required by applicable law, analytics and performance technologies will not be activated until the user has provided the required consent.

Users may withdraw or change their consent through the available cookie preference controls.

Functional Technologies

SDRB may use functional technologies to remember choices made by visitors and provide enhanced website functionality.

These may include preferences relating to website settings, interface choices or other features requested by the user.

Where applicable law requires consent for such technologies, they will only be used after the appropriate consent has been provided.

Third-Party Technologies

Certain functionality available through SDRB.io may be provided by third-party service providers.

Such providers may use cookies or similar technologies when their services are enabled.

Depending on the website configuration, these may include providers supporting:

  • Website hosting and infrastructure.
  • Website analytics.
  • Security and performance.
  • Embedded content.
  • Forms and communications.
  • Other technical website functionality.

Where third-party technologies require consent, they will only be activated after the appropriate user choice has been made.

Third-party providers may process information in accordance with their own privacy and cookie policies. SDRB encourages users to review the relevant policies of those providers where appropriate.

Consent and Cookie Preferences

Where consent is legally required, SDRB will request consent before using non-essential cookies or similar technologies.

Users may be provided with options to accept, reject or manage categories of non-essential technologies.

Choosing not to accept non-essential cookies should not prevent access to the general content of SDRB.io, although certain optional functionality may be affected.

Consent is not inferred merely because a user continues browsing the website.

Changing or Withdrawing Consent

Users may change or withdraw their consent to non-essential cookies at any time through the cookie preference controls made available on SDRB.io, where such controls are provided.

Withdrawal of consent does not affect the lawfulness of processing that occurred before consent was withdrawn.

Users may also control cookies through their browser settings.

Most browsers allow users to:

  • View stored cookies.
  • Delete existing cookies.
  • Block some or all cookies.
  • Restrict third-party cookies.
  • Configure how websites store information on their device.

Browser settings may differ depending on the browser and device being used.

Blocking certain cookies may affect the operation or functionality of some parts of SDRB.io.

Duration of Cookies

Cookies may remain on a user’s device for different periods depending on their purpose.

Session cookies generally remain active only for the duration of a browser session and are removed when the browser is closed.

Persistent cookies may remain on the device for a defined period or until they are deleted by the user.

The duration of individual cookies may depend on the technology and service provider involved.

SDRB aims to retain cookies and similar technologies only for periods appropriate to their intended purpose.

Personal Information and Cookies

Some cookies and similar technologies may involve the processing of information that constitutes personal data under applicable data protection law.

Where this occurs, the processing of personal information is also subject to SDRB’s Privacy Policy.

The Privacy Policy provides further information regarding how SDRB processes personal information, applicable legal bases, data retention, international transfers and individual data protection rights.

International Processing

Some third-party technology providers may process information outside the United Kingdom.

Where information constitutes personal data and is transferred internationally, SDRB will take appropriate steps to ensure that the transfer is handled in accordance with applicable data protection requirements.

Further information is available in SDRB’s Privacy Policy.

Updates to This Cookie Policy

SDRB may update this Cookie Policy from time to time to reflect changes in:

  • The technologies used on SDRB.io.
  • Website functionality.
  • Service providers.
  • Applicable legal or regulatory requirements.
  • SDRB’s operational practices.

The latest version will be published on SDRB.io together with the date of the most recent update.

Contact

Questions regarding this Cookie Policy may be directed to:

SDRB LTD

contact@sdrb.io

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