Legal

Data license

How Data Derivatives licenses its HIDTA, HIFCA and geographic risk data files: who can use the data, what the license allows, and what we commit to in return.

Last updated November 12, 2026

Subscriber license

For banks, credit unions, fintechs and other institutions that use the data in their own AML, fraud and compliance monitoring programs.

Vendor license

For technology providers that use the data within the monitoring products and services they provide to their own clients.

This page is a summary. Every license is granted under a signed Geographic Risk Data Subscription Agreement. If anything here differs from your agreement, your agreement governs.

What the license covers

The licensed data is the geographic risk data file set out in your agreement, for example the HIDTA / HIFCA file, GeoAML risk factors or GeoEnrich data, together with the updates we deliver during the term.

HIDTA, HIFCA and Geographic Targeting Order designations are published by U.S. government agencies. The license covers Data Derivatives’ data products built from them: the translation of each designation to zip codes and counties, region names, border distances, risk scores, and the file formats and updates we deliver.

What you can do

  • Use all or part of the licensed data, worldwide, on a non-exclusive basis.
  • Incorporate, copy, display and distribute the data in and through your monitoring programs, including your authorized distribution channels.
  • Keep the value you add. Indexing, organizing, formatting, linking and installing the data on your systems remains your property.

What needs our written consent

  • Redistributing or republishing the data in any medium, in original or modified form, including translations, reformatting, changed metadata or a rearranged version of the data.
  • Assigning, renting, leasing, sublicensing, granting a security interest in, or otherwise transferring rights to the data.
  • Publishing the data, or anything derived from it, on a website or any other internet-connected server.
  • Anything that would interfere with the operation of the Data Derivatives data service.

If you want to build the data into a product for other companies, ask about the vendor license.

Delivery and updates

  • We deliver files by file transfer, email or another method agreed with you, typically within three business days of the agreement’s effective date once a transfer method is set up.
  • When the appropriate U.S. government authority updates a HIDTA or HIFCA designation, we deliver an updated file within three business days of the update.
  • Files are available as full refreshes or delta updates, in CSV, pipe-delimited, Excel, fixed-width or a custom layout.

Support

Email info@dataderivatives.com with any question about the licensed data. We respond within three business days.

Term and renewal

Licenses run for an initial one-year term and renew automatically for further one-year terms unless either party gives written notice before the renewal date, as set out in your agreement. Either party may end the agreement early for an uncured material breach or the other specific circumstances the agreement lists.

Accuracy and liability

We use commercially reasonable efforts to keep the licensed data accurate, current and complete. Beyond the commitments in your agreement, the data is provided without other warranties, and each party’s liability is limited as the agreement describes.

Ownership and confidentiality

Each party keeps its own intellectual property. A license gives you the rights described in your agreement, not ownership of the data. The terms of each agreement are confidential between the parties.

Website content

The maps, examples and sample rows on this website illustrate our data products. They are not licensed data and are not intended for compliance decisions. Please don’t copy, scrape or republish them.

Governing law

Agreements are governed by the laws of the State of New York, with disputes heard in the federal and state courts in New York County.

Questions about licensing?

Tell us how you plan to use the data and we’ll recommend the right license.