Ardcarne Life Assurance

Ardcarne Life Assurance signed an Enterprise order form, MSA and DPA on 4 Sep 2026 at £125k per year, running 1 Oct 2026 to 30 Sep 2027. A draft MSA's twenty-four-hour incident notice does not appear in the executed documents.

Executed: The signed order form of 4 Sep 2026 sets the Enterprise tier at £125k per year, billed annually in advance, with 30-day payment terms, from 1 Oct 2026 to 30 Sep 2027. The signed MSA of the same date adds a £30k one-off implementation fee and states a total contract value of £155k, which is not an annual price.

Service levels: Both executed documents set availability at 99.9%, P1 first response of 30 minutes (0.5 hours on the order form), nightly refresh by 07:00 and credits for availability and data freshness. The credit is 10% of one month's fee for each month with a breach.

Open items: Two draft MSAs, of 24 Jul 2026 and 20 Aug 2026, are superseded by the signed MSA. Their version numbers run against their dates: v2 is the earlier file, and only v1 carries the DORA addendum.

Contradictions: The 20 Aug 2026 draft MSA promised incident notice within twenty-four hours and two post-incident actions by the end of the calendar year. The executed DPA says only "without undue delay", and the executed reads show neither commitment.

The 27 Feb 2026 security questionnaire promised dated incident notification timings in writing before signature. The executed documents do not show that dated commitment. The customer may rely on either earlier document.

The 4 Oct 2026 onboarding plan describes the refresh as complete by the start of the business day, Dublin time, rather than by 07:00. It also labels the £125k as annual recurring revenue. The plan defers to the order form.

Commitments: Implementation runs twelve weeks for up to twelve connectors. Individual connector dates are to be confirmed in writing in the implementation plan, and that plan sets no dates yet.

The DPA keeps data in Ardcarne's own Snowflake account and chosen region. It requires written notice before any change of sub-processor.

Gaps: Renewal is by agreement of both parties, with no notice period stated. The order form names Ronan Tierney as Ardcarne's signatory, while the MSA and DPA reads name only an authorised signatory.

All 11 documents were read. No invoice is among them, so the evidence does not show whether the first invoice has been raised.

AI · claude-opus-5-5 · as at Fri 9 Oct 2026