Terms of Service

"Agency User" means an independent insurance agency or licensed insurance professional that accesses the Service on behalf of its clients.

"AI Output" means any content generated by the Service through artificial intelligence, including but not limited to Business Risk Snapshots, Location Compliance Inspection reports, Compliance Documents, coverage analyses, insurance quote analyses, vendor certificate of insurance (COI) extractions and summaries, coverage gap reports, action items, and responses from Reese, Nora or any other AI agents utilized in delivering the Service.

"Business Risk Snapshot" means the scored risk assessment produced by the Service across various categories including, without limitation, People, Assets, Operations, Compliance, Cyber, and Financial & Market.

"Company" means myriskmanager.ai LLC.

"Compliance Documents" means written compliance programs, plans, assessments, and related documents generated by the Service, including Written Hazard Communication Programs, Emergency Action Plans, PPE Hazard Assessments, and other compliance program outputs as described in the Service documentation.

"Compliance Hub" means the feature of the Service that stores Compliance Documents, tracks their completion status, and provides access to the compliance program library.

"Founders Circle Subscriber" has the meaning given in Section 5.6.

"Founders Circle Rate" has the meaning given in Section 5.6.

"Free Tier" has the meaning given in Section 5.7.

"Insurance Hub" means the feature of the Service that stores and analyzes insurance-related documents and produces insurance-related AI Output, including the Policy Vault, insurance quote analysis, vendor certificate of insurance (COI) management and tracking, and coverage gap reporting.

"Location" means a distinct business address registered under an Organization account, representing a single establishment with its own employees and compliance obligations, as further described in Section 4.3.

"Location Compliance Inspection" means the industry-specific inspection assessment and report generated by the Service.

"Nora" means the AI agent through which the Service delivers risk portfolio intelligence, client management tools, and agency-specific guidance to Agency Users.

"Organization" or "Customer" means the billing entity or individual that holds the account with Company and may register one or more Locations under that account, as further described in Section 4.3.

"Policy Vault" means the feature of the Service that stores and analyzes insurance policy documents.

"Reese" means the AI agent through which the Service delivers assessments, compliance guidance, and risk analysis to SMB Users.

"SMB User" means a small or medium-sized business owner or operator accessing the Service directly on behalf of the Customer, with the authority of the Customer and pursuant to these Terms of Service.

"User Content" has the meaning given in Section 7.1.

myriskmanager.ai LLC provides an AI-assisted risk management service for SMB Users and Agency Users. The Service includes the Business Risk Snapshot, Location Compliance Inspection, Compliance Documents, Compliance Hub, the Insurance Hub (including the Policy Vault, insurance quote analysis, vendor certificate of insurance management, and coverage gap reporting), and related features as further described in the Service documentation.

The Service is designed to help businesses identify and manage risk exposure. It is not a substitute for licensed legal counsel, licensed insurance advice, certified safety professional consultation, or regulatory compliance certification. See Section 6 for important limitations on AI Output.

You must be at least 18 years of age and have the legal authority to enter into binding contracts on behalf of yourself or your business to use the Service and make the representations and warranties set forth herein. By using the Service, you represent and warrant that you meet these requirements.

4.1 Account Creation — To access most features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated.

4.2 Account Security — You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@myriskmanager.ai of any suspected unauthorized use of your account or compromise of your credentials.

4.3 Organizations and Locations — An account represents a single Organization — the business entity responsible for billing and account management. Each Organization may register one or more Locations under its account. A Location is a distinct business address with its own employees and compliance obligations. Multiple buildings or facilities operating under the same business address and employer identification number constitute a single Location for purposes of these Terms and applicable pricing. Each Location is subject to the per-location fees described at myriskmanager.ai/pricing.

Franchise systems or businesses with separately owned Locations (distinct legal entities) require either separate Organization accounts for each ownership entity or a written multi-entity agreement with the Company. Contact support@myriskmanager.ai for multi-entity arrangements.

5.1 Subscription Plans — The Service is offered on a subscription basis. Current pricing and plan details, including per-location pricing for Organizations with multiple Locations, are available at myriskmanager.ai/pricing. We reserve the right to modify pricing with at least 30 days’ advance notice to active subscribers, subject to the rate-lock provisions applicable to Founders Circle Subscribers under Section 5.6.

5.2 Billing — Subscription fees are billed in advance on a monthly or annual basis, depending on the plan selected. Your subscription renews automatically at the end of each monthly or annual term, and the payment method on file will be charged at the then-current rate for your plan, unless you cancel through your account settings before the renewal date. We will send subscribers a renewal reminder at least annually, and before any renewal that follows a free trial or promotional period. Per-location fees for additional Locations are billed in the same billing cycle as the primary Location. All fees are in U.S. dollars.

5.3 Payment Processing — Payments are processed through Stripe, Inc. By providing payment information, you authorize us to charge your payment method for all fees incurred. We do not store credit card numbers or payment card data on our systems.

5.4 Cancellation — You may cancel your subscription at any time through your account settings. No refunds are issued for partial billing periods, except as provided in Sections 18.3 and 19. Upon the end of the billing period in which you cancelled your subscription, you will retain read-only access and the right to export and download previously generated AI Output and documents.

5.5 Failed Payments — If payment fails, we will notify you at the email address associated with your account. You will have five (5) business days from the date of that notice to cure the failed payment before we suspend your access to the Service (the "Cure Period"). If payment is not received within the Cure Period, we may suspend access to your account until all outstanding amounts are paid. Amounts overdue beyond the Cure Period accrue interest at the rate of 1.5% per month (18% per annum), or the maximum rate permitted by applicable law, whichever is lower, calculated from the original due date. Founders Circle Subscribers are subject to the specific lapse and forfeiture provisions in Section 5.6(b) rather than the general Cure Period described in this Section; however, overdue interest accrues under this Section regardless of subscriber tier.

5.6 Founders Circle Pricing — Subscribers who enroll in the Service during the Founders Circle enrollment period designated by the Company at myriskmanager.ai/pricing (the "Founders Circle Enrollment Period") ("Founders Circle Subscribers") are entitled to the Founders Circle subscription rate then in effect ("Founders Circle Rate") for the life of their active subscription, subject to the following conditions:

• The Founders Circle Rate applies only to the subscription plan and Location count active at the time of enrollment;
• The Founders Circle Rate is forfeited if the subscription lapses due to non-payment for more than 10 consecutive days, account termination for cause under Section 18.3, or voluntary cancellation. A forfeited Founders Circle Rate cannot be reinstated;
• Adding Locations after enrollment is subject to the then-current per-location rate for additional Locations, not the Founders Circle Rate;
• The Founders Circle Rate does not apply to future plan upgrades or new features priced separately from the base subscription; and
• The Founders Circle Enrollment Period may be opened, extended, or closed to new enrollment at any time at the Company’s discretion, without affecting existing Founders Circle Subscribers.

The Company reserves the right to discontinue the Founders Circle program in connection with a change of control, merger, or acquisition, provided that existing Founders Circle Subscribers are given at least 90 days’ advance written notice before any such discontinuation takes effect. For clarity, the Founders Circle Rate locks the base subscription fee only; it does not restrict changes to Service features or functionality.

5.7 Free Tier — The Service offers a free tier ("Free Tier") that provides access to the following at no charge: one (1) Business Risk Snapshot and one (1) Policy Vault document upload and AI coverage analysis. Free Tier users retain permanent read-only access to and the right to export and download all AI Output generated during their Free Tier use, subject to the account activity requirements described below.

Free Tier accounts that have no login activity for twelve (12) consecutive months will be hibernated. A hibernated account retains all previously generated AI Output but access to the Service is suspended until the account is reactivated. Each Free Tier account is entitled to one (1) reactivation. Following reactivation, if the account again reaches twelve (12) consecutive months of no login activity, the account is subject to deletion upon thirty (30) days’ written notice to the registered email address. A deleted account and its associated AI Output cannot be restored.

The Company reserves the right to modify or discontinue the Free Tier at any time upon thirty (30) days’ notice; any such change will not affect AI Output already generated or the access and download rights of existing Free Tier users as described herein.

6.1 Nature of AI Output — The Service uses artificial intelligence, including Anthropic’s Claude models, to generate AI Output. Reese and Nora are artificial intelligence systems, not human beings, and are not licensed attorneys, insurance producers or brokers, or certified safety professionals. AI Output is generated based on information you provide and reflects the state of applicable regulations as of the date of generation. AI Output is not reviewed by licensed professionals before delivery.

6.2 Not Professional Advice — No Reliance — AI Output does not constitute legal advice, insurance advice, regulatory compliance certification, or the opinion of a licensed attorney, Certified Safety Professional (CSP), insurance broker, or any other licensed professional. No advisory, fiduciary, or professional-client relationship is created between you and the Company by your use of the Service.

BY USING THE SERVICE, YOU EXPRESSLY ACKNOWLEDGE THAT YOU ARE NOT RELYING ON AI OUTPUT AS A SUBSTITUTE FOR A CSP, ATTORNEY, LICENSED INSURANCE PROFESSIONAL, OR OTHER QUALIFIED PROFESSIONAL, AND THAT YOU WILL NOT REPRESENT AI OUTPUT AS THE WORK PRODUCT OF ANY SUCH PROFESSIONAL.

6.3 Compliance Documents — Template Status; Human Review Required — Compliance Documents generated by the Service are structured templates requiring human review, customization, and professional validation before they are placed in service. You understand that Compliance Documents:

• Are generated based on information you provide and may not reflect all details of your specific operations;
• May not reflect regulatory changes that occurred after the date of generation;
• Must be reviewed by a qualified professional (such as a licensed CSP or attorney) against current federal, state, and local regulations applicable to your specific operations before use; and
• Are not valid compliance programs until reviewed, customized to your actual operations, signed by an authorized representative, and implemented with required training and procedures.

You covenant that you will review any Compliance Document against applicable current law before placing it in service and will not represent a generated document as a complete or certified compliance program without such review.

6.4 No Guarantee of Regulatory Compliance — The Company does not guarantee and hereby expressly disclaims to the full extent permitted by law that any AI Output will satisfy all applicable federal, state, or local regulatory requirements as applied to your specific operations, pass any regulatory inspection, or prevent regulatory citations or penalties.

6.5 Regulatory Currency Covenant — You covenant that you will verify the current applicability of any regulatory citation or requirement referenced in AI Output before relying on it, and that you will consult qualified professionals when current regulatory requirements are material to your operations.

6.6 Your Responsibility — You are solely responsible for decisions made based on AI Output and for ensuring that your business operations comply with all applicable laws and regulations.

6.7 AI Output Review and Contest — You may request that we review and address concerns about any AI Output you believe is inaccurate, incomplete, or does not reflect your actual business conditions by contacting support@myriskmanager.ai with a description of the specific AI Output and the nature of your concern. We will use commercially reasonable efforts to respond to your concern, which may include manual review of the relevant output. You may also provide additional business context that you believe should inform a revised assessment. This Section does not create an obligation to modify any AI Output or to reach any particular conclusion upon review, and all disclaimers set forth herein by Company shall remain in full effect.

6.8 Insurance Hub Limitations — Coverage gap reports, COI summaries, insurance quote analyses, and related AI Output generated through the Insurance Hub are not insurance advice and do not constitute the opinion of a licensed insurance professional. AI Output identifying potential coverage gaps or deficiencies is advisory only and should not be treated as a final determination of coverage sufficiency. Users should consult a licensed insurance broker or attorney for all material coverage questions before making coverage decisions.

6.9 AI Regulatory Compliance — We monitor developments in AI-specific laws, including Colorado’s Automated Decision-Making Technology Act (SB 26-189), which repeals and replaces the Colorado Artificial Intelligence Act (SB 24-205) effective January 1, 2027. If and to the extent any such law applies to the Service, we will provide the notices, plain-language explanations of consequential decisions, and rights to human review and correction of inaccurate personal data that it requires. Section 6.7 describes how you may request review of, contest, or supplement any AI Output, and our Privacy Policy describes your rights regarding personal data used in AI processing.

7.1 Your Content — You retain ownership of all information, documents, and data you submit to the Service ("User Content"), including insurance policy documents, business information, inspection responses, and compliance records.

7.2 License to Us — By submitting User Content, you grant myriskmanager.ai LLC a limited, non-exclusive, royalty-free license to use, process, store, and display back to you within the Service your User Content solely for the purpose of providing the Service to you.

7.3 Accuracy of Your Content — You represent and warrant that User Content you submit is accurate, that you have the right to submit it, and that it does not violate the rights of any third party.

7.4 No Sensitive Personal Data — You agree not to submit to the Service any data that constitutes "sensitive personal information" under applicable law, including Social Security numbers or other government-issued identification numbers, financial account numbers or payment card data, protected health information as defined under HIPAA, biometric data, or consumer financial information as regulated under the Gramm-Leach-Bliley Act or other applicable law.

Certain features of the Insurance Hub permit you to upload documents containing information about third parties, including vendor and contractor certificates of insurance (COIs) that identify the third party, its insurance carrier, policy numbers, and coverage details. You represent and warrant that you have the right to submit any such third-party information to the Service for the purpose of managing your business relationships and risk exposure, and that your submission and the Service’s processing of that information does not violate the rights of the third party or any applicable law. Third-party information submitted to the Service is treated as User Content under these Terms, and you are solely responsible for the accuracy and lawful submission of that information.

7.5 AI Output Ownership and Permitted Use — (a) License Grant. AI Output generated by the Service based on your User Content is licensed to you for your internal business use. You may use AI Output in operating your business, but you do not acquire any ownership interest in the underlying AI models, system prompts, or Service architecture.

(b) SMB Users. SMB Users may share AI Output with their employees and with qualified professional advisors reviewing the output on their behalf.

(c) Agency Users. Agency Users may include AI Output in formal client deliverables provided that: (i) the Agency User clearly discloses that the content is AI-generated using myriskmanager.ai; (ii) the Agency User does not remove or obscure any disclaimer language included in AI Output; and (iii) the Agency User does not represent AI Output as their own licensed professional work product.

(d) Prohibited Uses. You may not resell, sublicense, or distribute AI Output to third parties as a standalone product or service without the prior written consent of Company.

8.1 Privacy Policy — Your use of the Service is also governed by our Privacy Policy, available at myriskmanager.ai/privacy, which is incorporated into these Terms by reference.

8.2 Data Processing — All inputs used to generate AI Output through the Service — including insurance policy documents uploaded to the Policy Vault, insurance quote documents and vendor certificates of insurance (COIs) uploaded to the Insurance Hub, Business Risk Snapshot assessment responses, Location Compliance Inspection answers, and conversations with Reese and Nora — are transmitted to Anthropic’s API for AI processing. As of the Effective Date of these Terms, Anthropic does not use API-submitted data for model training under its standard API usage terms. You acknowledge that Anthropic’s data use policies are subject to change and that we are not responsible for changes to Anthropic’s practices, including those that might impact the Service, after the Effective Date. No User Content is shared with third parties except as described in our Privacy Policy or as required by law.

8.3 Sub-Processors — We rely on the following categories of sub-processors to deliver the Service: AI model provider (Anthropic, PBC), payment processor (Stripe, Inc.), application hosting and infrastructure provider, and email service provider.

8.4 State Privacy Laws — We comply with applicable state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), the Texas Data Privacy and Security Act (TDPSA), and other applicable state privacy and data protection laws, as further described in our Privacy Policy. Our Privacy Policy identifies additional state privacy laws applicable to our operations and describes the rights available to residents of those states.

8.5 Security — We implement commercially reasonable security measures to protect User Content. However, no method of transmission or storage is completely secure. You acknowledge that you assume certain risk in transmitting information over the internet.

8.6 Data Breach Notification — In the event we discover a security breach involving your personal information, we will notify you at the email address associated with your account in the most expedient time possible, consistent with the legitimate needs of law enforcement and as required by applicable law. You must notify us promptly at support@myriskmanager.ai if you discover or suspect any unauthorized access to your account credentials or User Content. Additional breach procedures are described in our Privacy Policy.

9.1 Applicability — This Section 9 applies to Agency Users in addition to all other applicable provisions of these Terms.

9.2 Licensing Representation — Agency Users represent and warrant that they hold all licenses required by applicable state law to engage in insurance agency activities. Agency Users covenant that they will not use the Service to fulfill any function that requires a professional license they do not hold.

9.3 No Representation of AI Output as Licensed Advice; Affirmative Disclosure Obligation — Agency Users expressly agree not to represent AI Output to their clients as the Agency User’s own licensed professional recommendation, as a certified compliance determination, or as a substitute for independent professional judgment. When including AI Output in client deliverables as permitted by Section 7.5(c), Agency Users must clearly disclose to their clients that the content is AI-generated using myriskmanager.ai. This affirmative disclosure obligation is separate from and in addition to the prohibition on misrepresentation.

9.4 Client Data — Agency Responsibility — Agency Users are responsible for obtaining all necessary consents and authorizations from their clients before submitting client information to the Service. Agency Users represent and warrant that they have the legal authority to submit client data on their clients’ behalf and that such submission does not violate any applicable privacy law, professional obligation, or client agreement.

9.5 Data Processing Addendum — Agency Users whose operations involve personal data of EU data subjects must execute a Data Processing Addendum ("DPA") with the Company before submitting such data to the Service. Agency Users may request a DPA at support@myriskmanager.ai.

9.6 Insurance Data Security and GLBA Safeguards — Agency Users subject to state insurance data security laws (including states that have enacted the NAIC Insurance Data Security Model Law) or the GLBA Safeguards Rule (16 CFR Part 314) that impose contractual requirements on service providers may request a written acknowledgment of applicable security standards by contacting support@myriskmanager.ai. The Company maintains security practices designed to be consistent with GLBA Safeguards Rule requirements for service providers handling customer financial information.

9.7 Regulatory Examination Cooperation — In the event a state insurance department or other regulatory authority conducts an examination or investigation of an Agency User’s operations that involves records of their use of the Service, we will reasonably cooperate with such examination upon written request from the Agency User, at the Agency User’s cost and with reasonable advance notice.

9.8 White-Label Use — Any white-label or co-branded use of the Service requires a separate written agreement with the Company. Unauthorized white-label or co-branded use constitutes a material breach of these Terms.

11.1 Our Property — The Service, including its software, design, content, trademarks, AI systems (including Reese and Nora), system prompts, and underlying architecture, is owned by myriskmanager.ai LLC and protected by applicable intellectual property laws.

11.2 Feedback — If you provide suggestions, feedback, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that Feedback for any purpose without compensation or attribution to you.

11.3 Third-Party Technology — The Service is built in part on third-party technology, including Anthropic’s Claude AI models. Use of the Service is subject to Anthropic’s usage policies in addition to these Terms.

Each party agrees to keep confidential any non-public information of the other party disclosed in connection with the Service that is marked confidential or that a reasonable person would understand to be confidential given the nature of the information and circumstances of disclosure. This obligation does not apply to information that is or becomes publicly available through no breach of this Agreement, or that is independently developed without use of confidential information. Breach of this Section may cause irreparable harm for which monetary damages would be inadequate, and either party may seek injunctive relief in addition to other remedies available at law or in equity.

13.1 No Uptime Guarantee — The Service is provided on an "as available" basis. We do not guarantee any specific level of uptime or availability. Scheduled maintenance, infrastructure updates, or third-party service interruptions (including AI provider outages) may cause temporary unavailability for which Company shall not be liable.

13.2 No Service Credits — We do not provide service credits for downtime. Our sole commitment is to restore service availability as promptly as reasonably practicable following an unplanned outage.

Neither party shall be liable for delays or failures in performance resulting from causes beyond their reasonable control, including acts of God, natural disasters, government action or regulation, cyberattacks, third-party service provider outages (including AI model provider outages), pandemic, labor disputes, or failure of third-party infrastructure. The party affected by a force majeure event shall provide prompt written notice to the other party and shall use commercially reasonable efforts to mitigate the impact and resume performance. If a force majeure event continues for more than 30 days, either party may terminate the affected subscription with a prorated refund of prepaid fees for the unused period. This shall be your sole remedy for any such Force Majeure event.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR UNINTERRUPTED ACCESS. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, THAT AI OUTPUT WILL BE ACCURATE, COMPLETE, OR CURRENT, OR THAT COMPLIANCE DOCUMENTS WILL SATISFY APPLICABLE REGULATORY REQUIREMENTS AS APPLIED TO YOUR SPECIFIC OPERATIONS. THE COMPANY INTENDS TO DISCLAIM ANY AND ALL WARRANTIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. TO THE EXTENT ANY WARRANTY CANNOT BE DISCLAIMED UNDER APPLICABLE LAW, THE COMPANY LIMITS THE DURATION OF ANY SUCH IMPLIED WARRANTY TO THE MINIMUM PERIOD PERMITTED BY LAW.

16.1 Exclusion of Consequential Damages — TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PARTY NOR THEIR RESPECTIVE MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, REGULATORY FINES OR PENALTIES, OSHA CITATIONS, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

16.2 Liability Cap — COMPANY’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) FIVE HUNDRED DOLLARS ($500).

16.3 Carve-Outs — The limitations in Sections 16.1 and 16.2 do not apply to: (a) your indemnification obligations under Section 17; (b) either party’s breach of confidentiality obligations under Section 12; (c) either party’s infringement of the other’s intellectual property rights; or (d) liability that cannot be excluded under applicable law but only to the extent such liability cannot be excluded.

16.4 Basis of Bargain — The parties acknowledge that the liability limitations in this Section reflect a reasonable allocation of risk and are an essential element of the basis of the bargain between the parties.

You agree to indemnify, defend, and hold harmless Company and its members, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; (d) your violation of any applicable law or the rights of any third party; or (e) any representation you make to a third party regarding AI Output that exceeds the scope permitted by these Terms.

18.1 Term — These Terms remain in effect for as long as you maintain an account with the Company for the Service.

18.2 Termination by You — You may terminate your account at any time by canceling your subscription and deleting your account through account settings.

18.3 Termination by Us — We reserve the right to suspend or terminate your access to the Service at any time for violation of these Terms or non-payment, with or without prior notice. In the event of termination for cause, no refund will be issued and Company reserves all rights. If we terminate your account without cause, annual subscribers will receive a prorated refund of prepaid fees for the unused portion of their annual term. Monthly subscribers will retain access through the end of their current billing period.

18.4 Effect of Termination; Data Retention — (a) Voluntary Cancellation. Upon cancellation of a paid subscription, your account reverts to Free Tier status as described in Section 5.7. You will retain read-only access and the right to export and download all AI Output and documents previously generated. The Company will retain your data in accessible form for as long as your account (including in Free Tier status) remains in existence, unless you request deletion by contacting support@myriskmanager.ai. Deletion requests will be processed within 30 days, subject to any legal obligation to retain records.

(b) Termination for Cause. Upon termination for cause under Section 18.3, your right to access the Service ceases immediately. Prior to any termination for cause, you may request a copy of your data by contacting support@myriskmanager.ai. Following termination for cause, we will retain your data for 30 days, after which it may be permanently deleted. The Company is not responsible for any loss of data resulting from your failure to request an export prior to the expiration of the retention period. This 30-day retention and deletion provision applies notwithstanding any general statement elsewhere in these Terms that generated content is retained or accessible — termination for cause is an express exception to the general data retention commitment.

We reserve the right to modify these Terms at any time. We will provide at least 14 days’ advance notice of material changes by email to your registered address or by prominent notice within the Service. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the updated Terms. Annual subscribers who disagree with a material modification may cancel within 14 days of the modification notice and receive a prorated refund of prepaid fees for the unused annual period. Monthly subscribers who disagree with a material modification may cancel before their next billing date without penalty. Modifications to these Terms do not affect the Founders Circle Rate lock described in Section 5.6 for existing Founders Circle Subscribers.

20.1 Governing Law — These Terms are governed by the laws of the State of Georgia, without regard to its conflict of law principles.

20.2 Informal Resolution — Before initiating any formal dispute proceeding, the parties agree to attempt to resolve disputes informally by contacting support@myriskmanager.ai. The parties will negotiate in good faith for at least 30 days before initiating arbitration or litigation.

20.3 Small Claims — Either party may bring an individual claim in small claims court for disputes within that court’s jurisdictional limit without pursuing arbitration.

20.4 Arbitration — For claims exceeding the small claims threshold, any dispute arising out of or related to these Terms or the Service that cannot be resolved informally shall be submitted to binding arbitration. The applicable rules shall be:

• For claims by or against incorporated entities and Agency Users: American Arbitration Association Commercial Arbitration Rules
• For claims by or against sole proprietors or individual SMB Users: American Arbitration Association Consumer Arbitration Rules

For Commercial Rule claims, proceedings shall be conducted in Atlanta, Georgia, or by remote means if agreed by the parties. For Consumer Rule claims, any in-person hearing will be held where the AAA Consumer Arbitration Rules require, or the arbitration may be conducted remotely or on written submissions as those Rules permit. For Consumer Rule claims under $5,000, the Company shall pay AAA filing fees. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The arbitrator may award attorneys’ fees to the prevailing party if a claim is determined to be frivolous or brought in bad faith. The arbitrator, and not any court, has exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this arbitration agreement, except that a court will decide any dispute about the enforceability of the class action waiver in Section 20.5. If twenty-five (25) or more similar arbitration demands are filed against the Company by the same or coordinated counsel, the parties agree that the AAA’s rules and fee schedules for multiple case filings will apply. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A TRIAL BY JURY.

Right to Opt Out. You may opt out of this agreement to arbitrate by emailing support@myriskmanager.ai with the subject line "Arbitration Opt-Out" within thirty (30) days after the date you first create an account or first accept these Terms, whichever is earlier. Opting out of arbitration does not affect any other provision of these Terms.

20.5 Class Action Waiver — You and the Company agree that each party may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate the claims of more than one party and may not preside over any form of class, consolidated, or representative proceeding. Nothing in these Terms waives any right to seek public injunctive relief that cannot be waived under applicable law. If a court of competent jurisdiction determines that this waiver cannot be enforced as to a particular claim or request for relief (including a request for public injunctive relief under California law), then that claim or request for relief, and only that claim or request for relief, shall be severed from arbitration and may be pursued in court, and the parties agree to stay any such court proceeding pending completion of individual arbitration of all remaining claims. This Section does not prevent either party from participating in a class-wide settlement.

20.6 Equitable Relief — Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm.

21.1 Entire Agreement — These Terms, together with our Privacy Policy, the Service documentation published at myriskmanager.ai/docs (as updated from time to time), and any additional terms applicable to specific features or executed by the parties in writing (including any Data Processing Addendum), constitute the entire agreement between you and Company regarding the Service and supersede all prior agreements and understandings.

21.2 Severability — If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

21.3 Waiver — Our failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce it in the future.

21.4 Assignment — You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction, including in connection with a merger, acquisition, or sale of substantially all of our assets.

21.5 No Third-Party Beneficiaries — These Terms do not create any third-party beneficiary rights; any such rights are hereby expressly disclaimed.

21.6 Notices — Routine notices and communications to us may be sent to support@myriskmanager.ai. Formal notices involving legal claims, dispute initiation, or account termination must be sent both to support@myriskmanager.ai and by certified mail to the address in Section 21.7 to be effective. Notices to you will be sent to the email address associated with your account and are effective upon sending. Privacy rights requests (including deletion requests) and Data Processing Addendum requests may be submitted by email as described in our Privacy Policy and do not require certified mail.

21.7 Contact — myriskmanager.ai LLC 11175 Cicero Drive Alpharetta, GA 30022 support@myriskmanager.ai

21.8 Survival — Sections 6, 7.5, 11, 12, 15, 16, 17, 18.4, 20, and 21, and any other provision that by its nature should survive, survive any termination or expiration of these Terms.