CRAC Solutions / Waterfall Innovations Limited
Last updated: 25 June 2026
1. Introduction
These Terms and Conditions govern your use of the website https://crac.solutions/ and any services, content, information or materials provided by Waterfall Innovations Limited, operating as or through CRAC Solutions.
By using this website, contacting us, booking a consultation or engaging our services, you agree to these Terms and Conditions.
If you do not agree to these Terms, you should not use this website.
2. Who we are
Company name: Waterfall Innovations Limited
Company number: 16416548
Registered office: 2 Valley View, Pudsey, England, LS28 9PB
Email: contact@crac.solutions
Waterfall Innovations Limited is a private limited company registered in England and Wales. Companies House lists the company as active and incorporated on 29 April 2025.
3. Our services
CRAC Solutions provides consultancy, advisory and business support services relating to areas such as:
- payment service providers;
- banking and payment operations;
- fintech infrastructure;
- regulatory compliance;
- KYC, KYB, AML, CTF, sanctions and fraud prevention;
- payment provider onboarding;
- payment strategy and optimisation;
- business risk and operational controls;
- policies, procedures and internal controls;
- introductions to relevant providers or partners.
The website describes Waterfall Innovations as providing expert guidance in fintech and payments, including payment service provider selection, regulatory compliance, security, infrastructure and tailored solutions.
4. Website information is general only
The information on this website is provided for general informational purposes only.
Unless we enter into a separate written agreement with you, website content does not constitute:
- legal advice;
- financial advice;
- tax advice;
- investment advice;
- regulated financial advice;
- regulatory approval advice;
- a guarantee of onboarding approval by any payment provider, bank or regulator;
- a guarantee that any provider, bank or partner will accept your business.
You should obtain independent legal, financial, tax or regulatory advice where appropriate.
5. No regulated financial services
Unless expressly agreed in writing, Waterfall Innovations Limited does not provide regulated financial services, payment services, banking services, investment services, legal services or accountancy services.
We may provide commercial consultancy and advisory support, but we do not act as your authorised financial institution, bank, payment institution, e-money institution, law firm, accountant or regulatory authority.
6. Free consultations
We may offer a free consultation or introductory call.
A free consultation is for initial discussion only. It does not create a client relationship unless we agree in writing to provide services to you.
We reserve the right to decline to provide services following any consultation.
7. Engagement terms
Any paid or formal engagement will be subject to separate written terms, which may include:
- scope of work;
- fees;
- payment terms;
- deliverables;
- timelines;
- responsibilities;
- confidentiality;
- liability limits;
- termination rights.
If there is a conflict between these website Terms and a signed written agreement between us, the signed written agreement will prevail.
8. Your responsibilities
You agree that:
- information you provide to us will be accurate, complete and not misleading;
- you have the right to share any information or documents you provide;
- you will not send us unlawful, confidential or third-party personal data unless you are authorised to do so;
- you will use our website and services lawfully;
- you will not misuse the website, attempt unauthorised access, introduce malware or interfere with website operation;
- you remain responsible for your own business decisions.
9. Provider introductions
Where we introduce you to a payment service provider, bank, compliance vendor, technology provider or other partner:
- the provider is an independent third party;
- we do not control the provider’s onboarding, underwriting, pricing, risk appetite, approval process or service delivery;
- any agreement with that provider will be between you and the provider unless otherwise agreed;
- you are responsible for reviewing the provider’s terms, pricing, legal status, regulatory position and suitability;
- we do not guarantee acceptance, approval, pricing, settlement terms, reserve terms or continued service.
We may receive referral fees, commissions or commercial benefits from certain introductions where permitted by law and contract.
10. No guarantee of outcomes
We aim to provide professional, practical and commercially informed support. However, we do not guarantee:
- approval by banks, PSPs, acquirers, EMIs, regulators or other providers;
- specific pricing, reserve levels or settlement terms;
- reduction in chargebacks, fraud, compliance issues or operational risk;
- commercial success;
- regulatory approval;
- uninterrupted access to any third-party service.
You acknowledge that onboarding, underwriting, compliance, banking and payment decisions are made by third parties and may depend on factors outside our control.
11. Intellectual property
All website content, including text, graphics, branding, layout, documents, templates and materials, belongs to Waterfall Innovations Limited or its licensors unless otherwise stated.
You may view and use the website for your own internal business purposes.
You must not copy, reproduce, distribute, sell, publish, modify or commercially exploit our content without prior written permission.
12. Confidentiality
Where you provide confidential business information to us, we will take reasonable steps to keep it confidential.
However, confidentiality does not apply to information that:
- is already public;
- was known to us before disclosure;
- is independently developed by us;
- must be disclosed by law, regulation, court order or authority;
- is shared with your consent or as necessary to provide services.
A separate non-disclosure agreement may be entered into where appropriate.
13. Data protection
We process personal data in accordance with our Privacy Policy.
By using the website or contacting us, you acknowledge that your personal data may be processed as described in the Privacy Policy.
14. Website availability
We aim to keep the website available, accurate and secure. However, we do not guarantee that:
- the website will always be available;
- the website will be uninterrupted or error-free;
- the website will be free from viruses or harmful content;
- all information will always be complete, current or accurate.
We may suspend, withdraw, update or change the website at any time.
15. Third-party links
The website may include links to third-party websites or services.
These links are provided for convenience only. We do not control and are not responsible for third-party websites, services, content, policies or practices.
16. Limitation of liability
To the fullest extent permitted by law, Waterfall Innovations Limited will not be liable for:
- indirect, consequential or special losses;
- loss of profits;
- loss of revenue;
- loss of business opportunity;
- loss of goodwill;
- loss of data;
- losses arising from reliance on general website information;
- decisions made by banks, PSPs, acquirers, regulators or third-party providers;
- third-party service failures.
Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any liability that cannot legally be excluded.
17. Indemnity
You agree to indemnify and hold harmless Waterfall Innovations Limited, its directors, employees, consultants and affiliates from losses, claims, damages, liabilities, costs and expenses arising from:
- your misuse of the website;
- inaccurate or misleading information you provide;
- your breach of these Terms;
- your breach of law or regulation;
- your unauthorised disclosure of third-party confidential information or personal data.
18. Professional advice disclaimer
Our consultancy support may involve review of business, compliance, payment, risk or operational matters. However, unless expressly agreed in writing, our work does not replace legal advice, regulatory advice, tax advice, accounting advice or advice from an authorised financial adviser.
You remain responsible for obtaining specialist advice where required.
19. Termination or suspension of access
We may suspend or restrict your access to the website or decline to provide services if:
- you breach these Terms;
- you misuse the website;
- you provide false, misleading or unlawful information;
- we consider that providing services may expose us to legal, regulatory, reputational or commercial risk;
- we are required to do so by law or regulation.
20. Changes to these Terms
We may update these Terms from time to time. The updated version will be published on this website with a revised “Last updated” date.
Your continued use of the website after changes are published means you accept the updated Terms.
21. Governing law and jurisdiction
These Terms and any dispute or claim arising out of or in connection with them, the website or our services shall be governed by and construed in accordance with the laws of England and Wales.
The courts of England and Wales shall have exclusive jurisdiction, except where applicable consumer protection law requires otherwise.
22. Contact us
For questions about these Terms, contact:
Waterfall Innovations Limited
2 Valley View, Pudsey, England, LS28 9PB
Email: contact@crac.solutions