CRA Trust & Legal Center

Official Charters, Safe Harbor Notices, AI Enclave Policies & Deliverable Specifications.

CRA TRUST & LEGAL ARCHITECTURE REPOSITORY: Creative Research Associates Ltd is committed to absolute institutional transparency, regulatory integrity, and sovereign data sovereignty. Explore and download our formal charters, safe harbors, model disclaimers, and pre-signed bilateral agreements below.

1. Institutional Charters & Governance

Document Title	Coverage & Regulatory Standard	Official Format
Executive Corporate Profile (10-Page Publication)	Institutional overview of Creative Research Associates Ltd, practice disciplines, founder credentialing, and corporate finance advisory capabilities.	Download PDF
Financial Advisory & Regulatory Safe Harbor Notice	Independent Corporate Finance & Modeling Demarcation. Safe harbors under US Reg D/S, UK FSMA s.21, EU MiFID II, Ghana SEC, and Nigeria ISA.	View / PDF
Deterministic AI & Algorithmic Model Disclaimer	Forward-Looking Statements, FAST/SMART compliance, definition of zero-variance mathematical reconciliation, and non-guarantee of DFI credit approvals.	View / PDF
Website Terms of Use & Digital Privacy Notice	Proprietary IP reservation, strict ban on AI scraping/harvesting, and privacy compliance with Ghana DPA 2012, Nigeria NDPA 2023, and GDPR.	View / PDF
Financial Model Legal & Assumptions Cover Worksheet (Tab 01)	Locked Excel Tab 01 specification, FAST/SMART standard color coding, tampering shield & non-reliance legends.	View / PDF
Institutional Data Processing Addendum (DPA)	Controller-to-Processor covenants, 36-hour breach SLA, TOMs (AES-256/TLS 1.3), Ghana, Nigeria, Sierra Leone, Gambia, Liberia, ECOWAS & UK/EU GDPR compliance.	View / PDF

2. Fast-Track Client Intake & Bilateral Confidentiality

Agreement	Key Covenants	Download Link
Pre-Signed Institutional Mutual Non-Disclosure Agreement (M-NDA)	Bilateral commercial secrecy, Section 3.1 AI Enclave Protection Guarantee, and 24-month non-circumvention. Pre-executed by Joseph A T Demby, MBA, CFA.	Download Pre-Signed M-NDA

3. SOW Deliverable Specification Sheets ($2,500 Fixed Solutions)

Discipline	Specification Document	Turnaround & Scope
01. Macro Diagnostics	SOW 01: Macro & Sovereign Diagnostics Spec	48-Hour SLA · 32 modules · $2,500
02. Financial Modeling	SOW 02: 3-Statement Financial Modeling Spec	5-Day SLA · FAST/SMART · Monte Carlo · $2,500
03. Digital Platforms	SOW 03: Digital Investment Hubs Spec	2–4 Weeks · Sovereign Portals · From $25,000
04. Fundraising Dossiers	SOW 04: Fundraising Dossier & DFI Syndication Spec	5-Day SLA · 35–50 page IM · Teaser · $2,500
05. Due Diligence	SOW 05: Company Report & Due Diligence Spec	5-Day SLA · UBO & PEP · Ground Truth · $2,500

CREATIVE RESEARCH ASSOCIATES LTD

Joseph A T Demby, MBA, CFA

Founder & Managing Director

Headquarters: London, UK

LEGAL & REGULATORY DESK

Corporate Legal Affairs Group

info@creativeresearch.associates

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