BSP MORB Part IX Free Sample

This Evaluation License governs your access to and use of ProfytAI Philippine Regulatory Intelligence, MORB Part IX Obligation Register (Free Sample) (the "Sample"), published by ProfytAI Pte. Ltd. (the "Publisher"). By accessing or querying it, the entity that obtained it (the "Licensee") agrees to these terms. This version was published for release 2026.07 (2026-07-29), and Section 9 states which version applies to a given Licensee.

1. What This Is

The Sample is a free evaluation product. It contains a small subset of the Publisher's complete product, delivered as a Snowflake secure data share. On obtaining the listing, the Licensee receives read access, inside the Licensee's own Snowflake account, to a shared database of secure views and a semantic view (the "Shared Objects"). No files, exports, or documents are delivered. The Sample is an evaluation product, not a compliance inventory, and it is not sufficient to determine the Licensee's regulatory obligations.

Definitions used throughout:

• Structured Content: the Publisher's original work in the Shared Objects, meaning the parsed layers, classifications, semantic enrichment, citations, hierarchy, knowledge graph, and the compilation and arrangement of all of it. It is protected by copyright and by the Publisher's other proprietary rights, and is licensed, not sold. The underlying regulatory text is public and the Publisher claims no ownership of it.
• Authorized Users: the Licensee's employees and individual contractors acting for the Licensee's internal benefit.
• Snowflake Organization: the Snowflake organization, as that term is used by Snowflake Inc., containing the Snowflake account through which the Licensee obtained the Sample.

2. What the Licensee May Do

The Publisher grants the Licensee a free, non-exclusive, non-transferable license for the Licensee and its Authorized Users to query and evaluate the Shared Objects for the Licensee's own internal assessment of the product, including to:

1. run queries and build trial workflows or prototypes inside the Licensee's own Snowflake accounts;
2. evaluate the Sample against the Licensee's own compliance, risk, or AI use cases, including by trialling it as retrieval or reference context for an internal AI, search, or retrieval-augmented generation system;
3. quote individual obligations, with their citation intact, internally when considering whether to license the complete product; and
4. reshare the Sample only to Snowflake accounts belonging to the Licensee and sitting within the Licensee's own Snowflake Organization, and only where the listing's resharing setting permits it. Before doing so the Licensee shall make these terms, including the final Section's source notice, available to each recipient, and each recipient's use is on these terms. The Licensee remains responsible for each recipient's compliance with them.

3. What the Licensee May Not Do

Except as expressly permitted in Section 2, the Licensee shall not, and shall not permit any third party to:

1. redistribute, resell, sublicense, publish, or otherwise make available the Sample, in whole or in any substantial part, to any person other than the Licensee itself, or make it available to any such person as a dataset, feed, API, listing, share, or service. An account inside the Licensee's Snowflake Organization that belongs to a different legal entity is such a person;
2. build a competing or substitute product from the Structured Content, or use it to train or fine-tune any model for the purpose of reproducing, regenerating, or substituting the Structured Content;
3. remove, alter, or obscure any citation, provenance, or attribution, including the LEGAL_CITATION and SOURCE_PDF_URL fields, in any extract or derived object; or
4. use the Sample in production compliance decisions, or represent it as a complete or current statement of the regulator's requirements.

4. No Fee, No Confidentiality Obligation, No Audit

The Sample is provided free of charge and without an order. The Publisher imposes no confidentiality obligation on the Licensee in respect of the Sample, and no right to audit or inspect the Licensee's use of it. The restrictions in Section 3 still apply in full.

5. Ownership

As between the parties, the Publisher retains all right, title, and interest in and to the Structured Content, including all intellectual property rights. No rights are granted except the limited license expressly stated in these terms, and the Publisher reserves all rights not expressly granted.

6. Relationship to Snowflake

The Sample is distributed through Snowflake Marketplace.

These terms are solely between the Publisher and the Licensee, and not Snowflake Inc., except where Snowflake Inc. is itself the Licensee.

The Publisher is solely responsible and liable for the Sample and for the Publisher's obligations under these terms, including any maintenance and support services.

The Licensee's use of the Snowflake platform, and the Licensee's relationship with Snowflake Inc., are governed by the Licensee's own separate agreement with Snowflake Inc. These terms govern only the Licensee's rights in the Sample and do not modify, restate, or replace that separate agreement. Nothing here reduces any right the Licensee has against Snowflake Inc. under that agreement.

7. No Legal Advice; Provided As Is

The Sample is regulatory information, not legal advice.

VERBATIM_TEXT records the wording of the source instrument and, as between the fields of the Sample, it prevails over the Publisher's derived and generated fields. It is not a substitute for the regulator's own publication, which remains the sole authoritative source, as the final Section states. Derived and generated fields are the Publisher's structuring and are provided in good faith. Any compliance decision must be confirmed against the official source and the Licensee's own advisers.

The Sample is provided "as is" and "as available", and the Publisher disclaims all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law. To the fullest extent permitted by law the Publisher shall not be liable for any indirect, incidental, special, consequential, or exemplary damages, or for lost profits, data, or goodwill, and the Publisher's total aggregate liability arising out of or related to the Sample shall not exceed one thousand Singapore dollars. Nothing excludes or limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or for any other liability that cannot lawfully be excluded or limited.

8. Duration

The Publisher may withdraw, change, or discontinue the Sample at any time. On withdrawal, or on the Licensee's breach of Section 3, the license ends and the Licensee shall cease use and delete any derived objects containing a substantial part of the Structured Content. The Licensee may retain copies it must keep to meet a legal, regulatory, or record-retention obligation, for as long as that obligation lasts, and those copies stay subject to Sections 3 and 5.

Sections 1, 3, 5, 6, 7, 9, 10, and the final Section survive, as does Section 2 for the sole purpose of construing Section 3.

9. Which Version Applies

The version of these terms in force between the Publisher and a Licensee is the version published at the time that Licensee obtained the Sample. A reissue of the Sample does not amend these terms. The release named at the top of this document identifies the release it was published for. It is not a limit on the licence. The Publisher retains each published version of these terms and will provide the applicable version to a Licensee on request.

10. Governing Law and General

These terms are governed by the laws of Singapore, without regard to conflict-of-laws rules, and the parties submit to the exclusive jurisdiction of the courts of Singapore. Nothing in this Section affects any condition of the source regulator's own terms referred to in the final Section, which are governed by their own law.

If any provision is held unenforceable, the remainder stays in effect. These terms are the entire agreement on their subject matter. The Licensee may not assign them. A person who is not a party has no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these terms.

11. Source Documents and Regulatory Content

This Sample quotes and cites the Manual of Regulations for Banks (MORB) issued by the Bangko Sentral ng Pilipinas (BSP). The complete official Manual is not included in, or redistributed with, this sample. It is freely available from the BSP, which remains the sole authoritative source, at the pages below (verified 24 July 2026). Consult the BSP website for the authoritative and current version. Nothing in these terms restricts the Licensee's independent right to obtain and use the official documents from the BSP.

The regulatory text reproduced in this sample originates from Bangko Sentral ng Pilipinas publications and can be freely retrieved from the BSP website at no cost. It is reproduced with attribution to the BSP as source, in accordance with the BSP website Terms of Use.

Modifications made by the Publisher. The Publisher has not altered the wording of the regulatory text. The Publisher has changed how that text is presented, and those changes are as follows. The continuous text of the Manual has been divided into discrete obligation records, each carrying a VERBATIM_TEXT span extracted from its surrounding document. Provisions that are not duties have not been carried into the register. Derived and generated fields have been added, including classifications, summaries, interpretation, topics, and graph relationships. Those fields are the Publisher's additions and are not the BSP's words. The Publisher reproduces no BSP logo, seal, or crest.

Passing these notices on. Where the Licensee makes any part of the regulatory text available to another person, including on a reshare permitted by these terms or in a derived object or extract, the Licensee shall make available with it all three of the following: the attribution to the BSP as source, the statement that the text can be freely retrieved from the BSP website at no cost, and the statement that the presentation of the text has been modified as described in the paragraph above.

The BSP has not reviewed, approved, or endorsed this sample, and nothing in it represents approval or endorsement by the BSP.

Questions: profyt.ai/contact.