Terms of Service

1. Agreement to these terms

These Terms of Service are an agreement between you and Risklytics, Inc., a Delaware corporation (“Risklytics,” “we,” or “us”). They govern your use of risklytics.ai, the application portal at app.risklytics.ai, and the services described below. You accept these terms by creating an account, and notice of that acceptance appears where the account is created. If you use the service on behalf of a company, you represent that you are authorized to bind that company, and “you” means the company. If you do not agree to these terms, do not use the service.

2. Who we are

Risklytics is a commercial insurance brokerage for companies putting AI to work. Coverage is currently placed through an individually licensed insurance producer, and we are available to place coverage today. Nothing on this site is a quote or an offer of insurance. Any coverage is subject to carrier underwriting, policy terms, and availability.

3. Eligibility

The service is for businesses seeking commercial insurance. You must be at least eighteen years old and able to form a binding contract to create an account. The service is not directed to individuals seeking personal insurance.

4. The service

Risklytics prepares commercial insurance applications and, where applicable, submits them to insurance carriers directly or through wholesale brokers, on behalf of the company that applies. The portal is where you complete your application, upload supporting documents, review the status of your submission, see options a carrier has returned, and find records of coverage placed through us. The portal is a record of that work; it is not itself an insurance product.

5. What the service is not

Nothing on this site or in the portal is a quote, an offer of insurance, a binder, or a guarantee of coverage. A quote appears in the portal only after a carrier issues one, and every quote is subject to that carrier’s underwriting, policy terms, conditions, exclusions, and availability. Coverage decisions belong to the carrier, not to Risklytics. If coverage is placed, the policy issued by the carrier is the complete and controlling statement of that coverage; if anything shown in the portal differs from the policy, the policy governs. We do not provide legal, tax, or accounting advice, and nothing in the service should be read as any of those.

6. Your account

The portal signs you in with time-limited links sent to your email address rather than a password, so anyone with control of that email account can access your Risklytics account. You are responsible for securing that email account, for all activity under your Risklytics account, and for telling us promptly at the address below if you believe your account has been accessed without authorization. You can review and end active sessions from the account page in the portal.

7. Your information

You agree to give us accurate and complete information in your application and to keep it current. Carriers underwrite based on what you tell us; a misstatement or omission can void a quote, reduce or void coverage, or affect a claim, and in many states knowingly presenting false information in an insurance application is a crime. The application flow asks you to acknowledge specific notices, including a fraud warning, before submission, and those acknowledgments are recorded against your account together with the exact text version you acknowledged.

8. Electronic communications and signatures

By creating an account you consent to receive communications about your application, your coverage, and your service requests electronically, at the email address on your account and in the portal, and you agree that those communications satisfy any requirement that they be in writing. Where the application asks you to type your legal name as a signature, you agree that typed signature has the same effect as a handwritten one. You can pause nonessential status notifications from the account page; messages required to sign you in or to service your account still send. To withdraw consent to electronic communications entirely, contact us at the address below; because the service is delivered electronically, withdrawing may mean we cannot continue serving you.

9. Fees and compensation

You pay nothing to use the site or the portal. If coverage is placed through Risklytics, we may be compensated by the carrier or wholesale broker, typically as a commission reflected in the premium the carrier charges. Premiums, taxes, and policy fees for any coverage you purchase are set by the carrier and disclosed in the carrier’s documents.

10. Your content and our property

You own the information and documents you submit. You give us permission to use them to provide the service: to prepare your application, submit it to carriers and wholesale brokers, service your account, and keep the records the law requires us to keep. The site, the portal, and their content, design, and software are owned by Risklytics or its licensors, and no rights in them are transferred to you beyond the ability to use the service under these terms. If you send us suggestions or feedback, we may use them without obligation to you.

11. Acceptable use

You agree not to: use the service for anything unlawful; submit information you know to be false; attempt to access another customer’s account or data; probe, scan, or test the vulnerability of the service except with our prior written permission; interfere with the operation of the service or impose an unreasonable load on it; scrape or harvest data from the service; upload anything containing malicious code; or misrepresent your identity or authority. We may suspend or end access that violates this section.

12. Third parties

Carriers and wholesale brokers are independent of Risklytics. We do not control, and are not responsible for, their underwriting decisions, their policy terms, their claim handling, or their solvency. The service runs on third-party infrastructure providers, which are listed in our Privacy Policy.

13. Disclaimer of warranties

The service is provided as is and as available. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not promise that the service will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that any application will result in a quote or in coverage. No advice or information obtained from us or through the service creates any warranty not stated in these terms.

14. Limitation of liability

To the fullest extent the law allows, Risklytics and its officers, directors, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, or lost data, arising out of or relating to the service, even if we have been advised such damages are possible. To the same extent, our total liability for all claims arising out of or relating to the service or these terms will not exceed one hundred dollars ($100) or the amount you paid us to use the service in the twelve months before the claim arose, whichever is greater. These limits do not apply to liability that cannot be limited by law, and nothing in these terms limits any duty we owe you under applicable insurance producer law.

15. Indemnification

You will defend and indemnify Risklytics against third-party claims, and the reasonable costs of those claims including attorneys’ fees, to the extent they arise from your breach of these terms, your unlawful use of the service, or materially inaccurate information you supplied in an application, except to the extent a claim results from our own negligence or willful misconduct.

16. Term and termination

These terms apply from your first use of the service. You may stop using the service and ask us to close your account at any time by contacting us. We may suspend or end your access if you materially breach these terms, if we are required to by law, or if we discontinue the service. Ending access does not affect coverage already placed with a carrier, and we may retain records after termination as described in the Privacy Policy and as insurance and other law requires. Sections 5, 10, and 13 through 19 survive termination.

17. Changes

We may update the service, and we may update these terms. If we make a material change to these terms, we will post the updated terms here with a new effective date and give notice in the portal or by email before the change takes effect. Using the service after the effective date of an updated version means you accept it. The version you accepted is recorded against your account.

18. Governing law and venue

These terms are governed by the laws of the State of Delaware, without regard to its conflict of laws rules, except where the insurance laws of another state necessarily apply to insurance placed for you. Any dispute arising out of or relating to these terms or the service that is not resolved informally will be brought exclusively in the state or federal courts located in Delaware, and each party consents to personal jurisdiction and venue there.

19. General

If any part of these terms is found unenforceable, the rest remains in effect. Our not enforcing a provision is not a waiver of it. You may not assign these terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. These terms, together with the Privacy Policy and the notices and acknowledgments recorded in your application, are the entire agreement between you and Risklytics about the service. Neither party is liable for delay or failure caused by events beyond its reasonable control. There are no third-party beneficiaries to these terms.

20. Contact

Risklytics, Inc. · Questions about these terms can be sent to hello@risklytics.ai.