Terms of Service

Last updated: November 3, 2025

1. Acceptance of Terms

By accessing or using IntelliRiskIQ's platform and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our services.

2. Service Description

IntelliRiskIQ provides an actuarial-grade cyber risk quantification platform including:

  • External Telemetry Risk Engine (ETRE) for non-intrusive risk scoring
  • Frequency and severity modeling for cyber risk quantification
  • Dynamic Systemic Risk Engine (DSRE) for portfolio analysis
  • Regulatory reporting capabilities
  • Quantum-secured blockchain audit trails

3. User Accounts

3.1 Account Creation

You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Security

You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized access or security breaches.

4. Acceptable Use

You agree not to:

  • Use the service for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the service
  • Reverse engineer or decompile any part of the platform
  • Share your account credentials with third parties
  • Use the service to harm others or violate their rights

5. Intellectual Property

All content, features, and functionality of the IntelliRiskIQ platform are owned by us and protected by copyright, trademark, and other intellectual property laws.

License: We grant you a limited, non-exclusive, non-transferable license to access and use the platform for your internal business purposes.

6. Data and Privacy

Your use of the service is also governed by our Privacy Policy. We process your data in accordance with applicable data protection laws including GDPR.

7. Payment Terms

7.1 Fees

You agree to pay all fees associated with your subscription plan. Fees are billed in advance on a monthly or annual basis.

7.2 Refunds

Refunds are provided at our discretion. Contact our support team for refund requests.

8. Service Level Agreement

We strive to maintain 99.9% uptime for our platform. Specific SLA terms are detailed in your subscription agreement.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INTELLIRISKIQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

11. Termination

We may terminate or suspend your account at any time for violation of these terms. You may cancel your subscription at any time through your account settings.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of material changes via email or through the platform.

13. Governing Law

These terms are governed by and construed in accordance with applicable laws. Any disputes shall be resolved through binding arbitration.

14. Contact Information

For questions about these Terms of Service, contact us at:

Email: legal@intelliriskiq.com
Address: IntelliRiskIQ Legal Team