Terms of Use

1. Introduction

These Terms of Use (the “Terms”) govern your access to and use of Riskor’s websites, APIs, software, dashboards, documentation, and related services (collectively, the “Services”) provided by Riskor (“Riskor,” “we,” “us,” or “our”). By using the Services, you agree to these Terms and to our Privacy Policy and Refund Policy. If you accept on behalf of a company or other legal entity, you represent that you have authority to bind that entity.

If you do not agree to these Terms, do not use the Services.

2. Business Use Only

The Services are offered to business users only. You represent and warrant that you are a business entity and will use the Services for business purposes.

3. Services & Changes

Riskor provides AI-powered analysis to flag and explain potential scam, fraud, manipulative, or non-compliant language in customer-provided content. The Services are decision-support tools and are not a substitute for human review, compliance, or legal judgment.

We may improve or modify the Services. If a change materially reduces core functionality of a paid plan, we will provide notice where practicable.

4. Accounts & Security

You are responsible for safeguarding credentials and API keys, for activities under your account, and for promptly notifying us of suspected compromise. We may require additional security controls.

5. Customer Responsibilities

• Use the Services lawfully and in accordance with the documentation and these Terms.
• Submit only content you have the right to process and permit us to process for providing the Services.
• Do not submit special categories of personal data, health information, payment card numbers, or other highly sensitive regulated data unless we have expressly agreed in writing.
• The Services must not be the sole basis for business, financial, legal, or compliance decisions.
• Comply with usage quotas, rate limits, and concurrency limits; we may throttle or suspend excess calls.

6. Acceptable Use

You will not: (a) violate laws or others’ rights; (b) probe, scan, or test systems without authorization; (c) interfere with or disrupt the Services; (d) reverse engineer or attempt to extract models or weights except where permitted by law; (e) use output to create a substantially similar competing service through systematic extraction; (f) submit malware or exploit children; (g) promote violence or unlawful activity.

7. Data, Privacy & Security

7.1 Ownership.

You retain ownership of your content (“Customer Content”). We retain ownership of the Services and Service Data (operational metrics, logs, telemetry).

7.2 Use of Customer Content (No Training by Default).

We process Customer Content solely to provide, maintain, secure, and troubleshoot the Services, and to prevent, detect, and investigate abuse or fraud. We do not use Customer Content to train generalized foundation models or to improve services for other customers unless you have expressly opted in in writing.

7.3 Roles.

For Customer Content, you are the data controller and Riskor acts as your data processor. For Service Data, Riskor is the data controller.

7.4 Data Processing Addendum.

Where required by applicable data protection law, a data processing addendum (DPA) can be executed and will govern our processing of personal data on your behalf.

7.5 Security Incident Notification.

If we become aware of a Security Incident involving unauthorized access to Customer Content, we will notify you without undue delay and in any event within 72 hours and share information reasonably available.

7.6 Retention & Deletion.

Upon termination or your written request, we will delete or return Customer Content within 30 days, except where retention is required by law. Backups are overwritten within 90 days.

8. Third-Party Services & Subprocessors

The Services may interoperate with third-party services (e.g., hosting, payments, email). Your use of third-party services is governed by their terms. We may engage subprocessors to provide the Services and remain responsible for their performance. A current list of material subprocessors is available upon request.

9. Availability & Support (Best Effort)

We target 99.5% monthly service availability on a best-effort basis. Support is provided via email (support@riskorai.com). We do not offer service credits unless expressly stated in a separate service level agreement.

10. Fees, Payment & Taxes

Fees are billed per the plan or order you select. You authorize us or our payment processor to charge all fees and applicable taxes. Except as stated in our Refund Policy or required by law, fees are non-refundable.

11. Intellectual Property & Feedback

We and our licensors own the Services and related IP. If you provide feedback, you grant us a worldwide, perpetual, royalty-free license to use it without restriction.

12. Warranties & Disclaimers

We will provide the Services in a professional manner consistent with applicable documentation. EXCEPT AS EXPRESSLY STATED, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Services will detect all harmful or fraudulent content.

13. Indemnification by Customer

You will defend and indemnify Riskor and its personnel from third-party claims arising out of (a) Customer Content; (b) your use of the Services in violation of these Terms or law; or (c) your products or services.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS OR REVENUE. RISKOR’S AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO RISKOR FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY.

15. Suspension & Termination

We may suspend the Services immediately if necessary for security, legal compliance, material breach, or overdue fees, and will lift suspension when resolved. Either party may terminate on written notice if the other materially breaches and fails to cure within 30 days.

16. Export, Sanctions & Compliance

You and your end users must not be subject to applicable sanctions or on restricted lists. You will not export, re-export, or transfer the Services contrary to law.

17. Changes to These Terms

We may update these Terms. We will post the updated Terms with a new “Last Updated” date and, for material changes, provide reasonable advance notice by email or in-product notice. Continued use after the effective date constitutes acceptance.

18. Governing Law & Venue

These Terms are governed by the laws of Taiwan without regard to conflict-of-law rules. The parties consent to the exclusive jurisdiction and venue of the courts located in Taipei, Taiwan.

19. Notices

Until a registered business address is published on our website, legal notices to Riskor may be sent to legal@riskorai.com. We may provide notices to you via email to your account email, in-product messages, or by posting to our website.

20. Miscellaneous

The parties are independent contractors. No third-party beneficiaries. You may not assign these Terms without our prior written consent; we may assign to an affiliate or in connection with a merger or asset transfer. If any provision is unenforceable, it will be modified to the minimum extent necessary, and the remainder will continue in effect.