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Legal · D-001 disclaimer

Non-interpretive notice

Disclaimer version D-001.v1.2026 · Constitution C-2026.05.c

D-001 · Verbatim

EMJ.life provides an evidence layer. Data shown here does not constitute an ESG rating, credit grade, assurance opinion, or investment advice. Downstream disclosure remains the issuer's responsibility under applicable frameworks (IFRS S1/S2, ESRS, GRI, SASB).

This page renders the canonical D-001 text and the constitutional articles that extend it. The same wording is served on every API response envelope under meta.disclaimer_text_en and is enforced in CI by scripts/lint-d001.sh.

What EMJ.life does

  • Captures observed behaviour as append-only evidence records (D-021)
  • Anchors evidence cryptographically (V-Layer Merkle + OpenTimestamps → Bitcoin)
  • Emits artefacts in IFRS S2 / ESRS / GRI / SASB / CBAM-compatible formats — format only (D-024)
  • Publishes DOI-anchored disclosure landings via Crossref
  • Carries this disclaimer on every API response envelope and every public page

What EMJ.life does not emit

  • ESG ratings or risk scores
  • Credit grades or counterparty-risk decisions
  • Audit / assurance opinions (we are not an assurance provider — D-037)
  • Investment advice or recommendations
  • Composite governance scores or compliance maturity scores
  • Performance signals derived from participation structure (D-023)

Constitutional articles

The D-001 boundary is extended and operationalised by 21 articles. All are immutable; corrections are by compensating append.

  • D-001

    Non-interpretive

    Nothing emitted by EMJ.life constitutes an ESG rating, credit grade, assurance opinion, or investment advice.

  • D-020

    Identity uniqueness

    Every legal subject is identified by the triple (legalIdType, legalIdValue, jurisdictionCode); duplicates are rejected at ingest.

  • D-021

    Append-only evidence

    No UPDATE or DELETE is permitted on b1a, padv, aeu, vlayer, ntcc, doi, or audit_log. Correction is by compensating append.

  • D-022

    Quality gate only

    Validation may reject a record on quality grounds but never disqualifies the participant. The subject remains in good standing.

  • D-023

    Non-Optimization

    Internal value reflects participation structure, not performance. This principle is absolute.

  • D-024

    Format conformance is not endorsement

    Emitting an IFRS S2, ESRS, GRI, or SASB-shaped artefact attests format conformance only and confers no endorsement of the underlying claims.

  • D-025

    Operator neutrality (from 2026-01-01)

    Per S8/D2.19, the operator is structurally neutral: no operator-side interest in any subject's evidence outcome from 2026-01-01.

  • D-026

    Multi-framework interoperability

    Evidence is emitted in shapes compatible with multiple frameworks; no single-framework lock-in is permitted.

  • D-027

    Cross-system reconciliation

    Every record carries an external_ids manifest so that downstream systems can reconcile without re-keying.

  • D-028

    Timestamp monotonicity

    evidence_event_seq is strictly monotonic per subject; anti-rewind guards reject any out-of-order ingest.

  • D-029

    Subject access rights

    Subjects may exercise access via the PET request flow; GDPR erasure is honoured after a documented cooling-off period.

  • D-030

    Operator-recused mutations

    Any back-office change requires a governance_decisions entry; operator self-service mutation is prohibited.

  • D-031

    ICTF-tier neutrality

    EMJ must not expose a public N-tier credibility ladder mapped to NTCC thresholds. Any internal eligibility heuristic remains opaque-to-bank and is not appended to DOI metadata (AUDIT_R5 §2; ICTF v2 §1.2/§2.2/§3).

  • D-032

    V-Layer-not-clearing

    V-Layer publishes evidence records; it does not clear, settle, route, or translate transactions between sovereign systems. SWIFT/VISA-of-ESG framing is prohibited in all papers and marketing (AUDIT_R5 §2; PADV-V-LAYER §1.4/§2.7).

  • D-033

    Account-freeze prohibition

    No EMJ subsystem may auto-freeze, auto-disqualify, or zero an account based on integrity-derived signals. Suspension is INC manual-only with an appeal channel; this extends D-013 / D-022 (AUDIT_R5 §2; STRC v3 §3.2, ICTF v2 l.1534).

  • D-034

    SFA non-coinage

    EMJ does not coin, define, or operate a 'Sustainable Finance Assurance' protocol. Any finance-facing read remains pull-only DOI metadata via Crossref (AUDIT_R5 §2; Op-WP v2 §7.3.4).

  • D-035

    Tier-6 prohibition

    No AI-verified governance tier above L5 may be advertised, schematized, or emitted. The `tier_level` enum is forbidden in code, schema, and public surface (AUDIT_R5 §2; extends R4 retraction list).

  • D-036

    Op-WP v2 redaction mandate

    Prior to PoC (2026-05-30), Op-WP v2 must be re-published as v2.1 with §7.3.4, Basel, and SFA clauses redacted, and its DOI re-minted (AUDIT_R5 §2; Op-WP v2.0). Retracted-DOI pointers MUST be persisted in doi_retractions with status='SUPERSEDED', retracted_at, superseded_by, and a non-interpretive retraction_reason. The retracted DOIs scheduled by R26ζ are: Op-WP v2.0 (10.5281/zenodo.emj-op-wp-v2) → superseded by Op-WP v2.1 (2026-05-20); STRC v3 §3.2 (10.5281/zenodo.emj-strc-v3) → superseded by STRC v3.1 (2026-05-22); ICTF v2 public ladder (10.5281/zenodo.emj-ictf-v2) → superseded by ICTF v2.1 (2026-05-24); PADV-V-LAYER v1 (10.5281/zenodo.emj-padv-v-layer-v1) → superseded by PADV-V-LAYER v1.1 (2026-05-26).

  • D-037

    Assurance Compatibility

    EMJ.life is assurance-compatible, not an assurance provider. Records produced by the evidence layer MUST be consumable by ISAE 3000 / ISAE 3410 / IFRS ISSB assurance procedures without requiring re-keying, but EMJ never substitutes for the assurance opinion. The platform appends evidence; assurance providers append opinions. The two boundaries are non-fungible and never collapsed in code, schema, or public copy.

  • D-038

    Evidence Integrity Compound

    Evidence value compounds across three layers — Participation (C2B), Operational (B2C), and Industrial (B2B). The platform MUST preserve continuity across these layers via external_ids manifest and DOI provenance chain. No layer may be aggregated, averaged, imputed, or otherwise interpolated; doing so would convert evidence into estimate and violate D-001 + D-023.

  • D-039

    Three-Layer Moat

    EMJ's institutional position rests on three non-technical moats: (1) evidence accumulated in real high-entropy scenarios; (2) the knowledge system sealed in DOI whitepapers defining institutional language; (3) institutional authorization tracks (e.g. active engagement with IFRS Foundation / SASB on Level III commercial licence). No product, API, or copy decision may weaken any of these three layers in exchange for short-term feature velocity (see docs/POSITIONING_moat.md).

Retracted DOIs

Whitepapers superseded by a republication. Each row carries a non-interpretive retraction reason and points to the successor DOI.

DOIWhitepaperRetractedSuccessor
10.5281/zenodo.emj-op-wp-v2Op-WP v2.02026-05-2010.5281/zenodo.emj-op-wp-v2-1
10.5281/zenodo.emj-strc-v3STRC v3 §3.22026-05-2210.5281/zenodo.emj-strc-v3-1
10.5281/zenodo.emj-ictf-v2ICTF v2 (public L1-L5 ladder)2026-05-2410.5281/zenodo.emj-ictf-v2-1
10.5281/zenodo.emj-padv-v-layer-v1PADV-V-LAYER v1 §1.4/2.7/6.22026-05-2610.5281/zenodo.emj-padv-v-layer-v1-1

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