Terms of Service

1Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.

2Changes to Terms

We may modify these Terms at any time. If we make changes, we will provide notice by updating the date at the top of these Terms and, in some cases, providing additional notice (such as adding a statement to our website or sending you a notification). Your continued use of the Service after the changes have been made will constitute your acceptance of the changes.

3Privacy

Please refer to our Privacy Policy for information about how we collect, use, and disclose information about you.

4Account Registration and Security

To use certain features of the Service, you may need to register for an account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

5Subscription and Billing

Some aspects of the Service may be available on a subscription basis. By subscribing to the Service, you agree to pay the subscription fees as described at the time of purchase. Subscription fees are billed in advance and are non-refundable except as required by law or as explicitly stated in these Terms.

6Intellectual Property Rights

The Service and its content, features, and functionality are owned by Risk Rater and are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service, except as permitted by these Terms.

7User Content

You retain ownership of any content you submit to the Service ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in connection with providing and promoting the Service.

8Prohibited Conduct

9Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

10Disclaimer of Warranties

11Limitation of Liability

12Governing Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of New Zealand, without giving effect to any principles of conflicts of law.

13Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the New Zealand Arbitration Association.

14Entire Agreement

These Terms constitute the entire agreement between you and Risk Rater regarding the Service and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning the Service.