Legal

API Terms of Service

Last updated July 6, 2026

These terms govern access to the Ember wildfire-risk API. The parts that matter most for insurance and FCRA-covered uses are in Section 5.

1. Agreement to these terms

These API Terms of Service (the “Terms”) are a binding agreement between Risklytics, Inc. (“Risklytics,” “we,” “us”) and the individual or entity that accesses or uses the Ember API and related services (the “Service”) (“you,” the “Customer”). By creating an account, generating an API key, or calling the Service, you agree to these Terms. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization.

2. The Service

The Service returns statistical model estimates for real property in California, including a wildfire risk score, an expected-annual-loss figure, and suggested mitigations (collectively, the “Scores”), over an HTTP API. The Scores are model outputs derived from public and licensed data. We may add, change, or discontinue features, and we improve and retrain the underlying models over time, so Scores for the same input may change.

3. Accounts and API keys

You must register for an account and obtain an API key to use the Service. You are responsible for keeping your keys confidential and for all activity that occurs under your keys. Notify us promptly at hello@risklytics.ai of any suspected unauthorized use. We may issue, rotate, rate-limit, suspend, or revoke keys to protect the Service.

4. Acceptable use

You will not: (a) resell, sublicense, or redistribute raw Scores except as expressly permitted; (b) reverse engineer, or attempt to derive or reconstruct, the Service’s models or training data; (c) use the Service to build a competing risk-scoring product; (d) exceed applicable rate limits or circumvent access controls; (e) use the Service for any unlawful purpose or in violation of these Terms; or (f) attempt to re-identify any individual from the data. You are responsible for complying with all laws applicable to your use.

5. Nature of the Scores: important limitations

The Scores are decision-support estimates, not guarantees, and are provided for your independent evaluation. You are solely responsible for the decisions you make using them.

About property, not individuals. The Scores describe the wildfire risk of a real-property location and structure using geospatial hazard and building characteristics. They are not derived from, and do not describe, any individual’s credit, claims or loss history, income, or other personal characteristics.

Not a consumer report (FCRA). Because the Scores bear on a property and its location rather than on a consumer’s creditworthiness, character, personal characteristics, or mode of living, they are not “consumer reports,” and Risklytics is not a “consumer reporting agency,” under the federal Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) or analogous state laws. You will not use the Scores, in whole or in part, as a factor in establishing any individual’s eligibility for personal credit, personal-lines insurance, employment, housing, or any other FCRA-covered purpose, except in full compliance with the FCRA and applicable law and only where you have independently determined such use is lawful. If your use of the Scores implicates the FCRA or a state analog, you are solely responsible for the resulting adverse-action, notice, and disclosure obligations.

Not an insurance rating plan. The Scores are not a filed insurance rating plan and have not been approved by any insurance regulator. They are provided for risk selection and underwriting decision-support, not ratemaking. You are solely responsible for compliance with all insurance laws and regulations applicable to your use, including rate-filing and catastrophe-model-review requirements (such as California’s Sustainable Insurance Strategy and Prop 103 process) and mitigation/discount rules (such as California’s “Safer from Wildfires” framework).

Your regulatory obligations as an insurer. If you are an insurer, MGA, or other regulated party, you are responsible for satisfying any policyholder-facing and governance obligations that attach to your use of third-party risk models or scores, including notice, score disclosure, appeal, and mitigation-credit duties (for example, Colorado HB25-1182, effective July 1, 2026), restrictions on unfair discrimination and testing of external data and models (for example, Colorado SB21-169), and AI/model governance expectations (for example, the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, as adopted in your state). To support these obligations, Risklytics makes model documentation available: the published methodology, validation results, an explainable per-property evidence dossier, mitigation guidance, and a disparate-impact analysis. Risklytics does not assume your compliance obligations, and you remain responsible for how the Scores are used in your book.

6. Fees and billing

Paid plans are billed through Stripe: Individual at $20 per month plus $0.02 per API call, and Teams at $150 per seat per month plus $0.01 per API call. Each scored address is one API call. Metered usage is billed in arrears. You authorize us and our payment processor to charge your payment method for all fees.

Fees are exclusive of taxes, which are your responsibility. Except where required by law or expressly stated, fees are non-refundable. We may change pricing on prospective notice. Non-payment may result in suspension or termination. Our usage records are conclusive as to metered usage absent manifest error.

7. Intellectual property; license

As between the parties, we own all right, title, and interest in the Service, the models, and the Scores. Subject to these Terms and your payment of fees, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Scores for your internal business purposes. You grant us a royalty-free license to use any feedback you provide to improve the Service.

8. Your data and privacy

You may submit property addresses and coordinates to the Service, which we process to return Scores and to operate, secure, and improve the Service. You represent that you have the rights necessary to submit that data. We do not sell your submitted inputs. We retain operational logs as needed to run and bill the Service.

9. Warranty disclaimer

THE SERVICE AND THE SCORES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SCORES ARE ERROR-FREE OR THAT THEY PREDICT ACTUAL OUTCOMES FOR ANY PROPERTY.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOST PROFITS OR REVENUES. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY.

11. Indemnification

You will defend, indemnify, and hold harmless Risklytics from and against any claims, damages, and costs arising out of your use of the Service, your decisions based on the Scores, your violation of law or these Terms, or your breach of your representations here.

12. Term, suspension, and termination

These Terms apply while you use the Service. Either party may terminate for convenience on notice; we may suspend or terminate immediately for breach, non-payment, or risk to the Service. On termination, your license and access end. Sections that by their nature should survive (including 5, 7, 9, 10, 11, and 13) survive termination.

13. Governing law; changes; miscellaneous

These Terms are governed by the laws of the State of California, without regard to conflicts rules, and the state and federal courts located in California have exclusive jurisdiction. We may update these Terms; material changes will be posted here with a new date, and your continued use after changes take effect is acceptance. These Terms are the entire agreement on this subject; if any provision is unenforceable, the rest remains in effect; you may not assign these Terms without our consent.

14. Contact

Questions about these Terms: hello@risklytics.ai.

Ember scores support risk selection and portfolio triage. They are not a filed insurance rating plan. See the methodology for how the model is built and validated.