1. Acceptance of Terms

By accessing or using RiskLex (the "Platform"), you agree to be bound by these Terms & Conditions ("Terms"). If you are using the Platform on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms. If you do not agree, you must not use the Platform.

2. Description of Service

RiskLex is an AI-powered financial crime intelligence platform designed to assist fraud and anti-money-laundering (AML) professionals. The Platform provides analytical tools, a signal library, vendor profiling, coverage gap analysis, and automated intelligence briefings. All outputs are intended to support, not replace, the professional judgement of qualified compliance and investigations personnel.

3. Eligibility

You must be at least 18 years old and legally permitted to use financial intelligence tools in your jurisdiction. The Platform is intended for use by financial institutions, regulated businesses, and compliance professionals. Personal or consumer use is not permitted.

4. Account Registration

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorised use. We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe pose a security risk.

5. Subscription and Billing

Access to paid features requires an active subscription. Subscription fees are charged in advance on a monthly or annual basis, as selected at checkout. All fees are non-refundable except as required by applicable law. We reserve the right to change pricing with 30 days' written notice. Continued use after a price change constitutes acceptance of the new pricing.

6. Acceptable Use

You agree not to:

Use the Platform for any unlawful purpose or in violation of applicable financial crime regulations.
Attempt to reverse-engineer, decompile, or extract the underlying models or data.
Resell, sublicense, or redistribute Platform outputs or data without prior written consent.
Introduce malicious code, conduct penetration testing, or attempt to circumvent access controls.
Upload content that infringes intellectual property rights or contains personally identifiable information beyond what is necessary for legitimate compliance work.

7. Intellectual Property

All Platform content, software, signal libraries, models, and design elements are the exclusive property of RiskLex or its licensors. These Terms do not transfer any intellectual property rights to you. You are granted a limited, non-exclusive, non-transferable licence to use the Platform solely for your internal compliance and fraud-prevention purposes during your subscription term.

8. Data You Submit

You retain ownership of any data, case narratives, or institutional information you submit to the Platform ("Customer Data"). By submitting Customer Data you grant RiskLex a limited licence to process that data solely to deliver the Platform services. We do not sell or share Customer Data with third parties except as set out in our Privacy Policy or as required by law.

9. AI-Generated Outputs

Platform outputs are generated by AI models and are provided for informational and decision-support purposes only. They do not constitute legal, regulatory, or compliance advice. You are solely responsible for validating outputs and for any decisions made on their basis. RiskLex makes no warranty that outputs are accurate, complete, or suitable for any specific regulatory requirement.

10. Disclaimers

The Platform is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not warrant uninterrupted or error-free operation of the Platform.

11. Limitation of Liability

To the maximum extent permitted by applicable law, RiskLex and its affiliates, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Platform. Our total aggregate liability for any claim shall not exceed the fees paid by you in the three months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify and hold RiskLex harmless from any claims, losses, or expenses (including reasonable legal fees) arising from your use of the Platform, your Customer Data, or your violation of these Terms.

13. Termination

Either party may terminate the subscription at any time. Upon termination, your access to paid features will cease at the end of the current billing period. We may terminate or suspend your access immediately if you breach these Terms or if required by law.

14. Modifications

We reserve the right to update these Terms at any time. Material changes will be communicated via email or an in-platform notice at least 14 days before they take effect. Continued use after the effective date constitutes acceptance of the revised Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of Canada and the United States. Any disputes shall be subject to the exclusive jurisdiction of the applicable courts of Canada and the United States.

16. Contact

For questions about these Terms, please contact us at legal@risklexicon.com.