Terms of Service

1. Acceptance of Terms

By accessing or using the RiskGuard Pro platform ("Service"), operated by RiskGuard Pro ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Description of Service

RiskGuard Pro is a cloud-based enterprise risk management software-as-a-service (SaaS) platform. The Service provides risk assessment tools, heatmap visualizations, key risk indicator monitoring, control attestation management, and related compliance features.

3. Account Registration

To use the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete registration information
• Maintain and update your information
• Maintain the security of your account credentials
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized use

4. Subscription Plans & Payment

The Service is offered under subscription plans with varying features and limits. By subscribing to a paid plan, you agree to pay the applicable fees. Payment is processed securely via our third-party payment processor (PayPal).

4.1 Free Trial

We offer a 14-day free trial period. You will not be charged during the trial. At the end of the trial, your account will be downgraded unless you subscribe to a paid plan.

4.2 Billing

Paid plans are billed monthly. Fees are non-refundable except as required by applicable law.

4.3 Cancellation

You may cancel your subscription at any time from your Company Settings. Cancellation takes effect at the end of the current billing period.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with the Service's operation or other users' access
• Upload malicious code, viruses, or harmful data
• Reverse engineer, decompile, or disassemble the Service
• Share your account credentials with unauthorized persons

6. Data Ownership & Privacy

You retain all ownership rights to the data you input into the Service ("Customer Data"). We do not access, sell, or share your Customer Data except as necessary to provide the Service or as required by law. See our Privacy Policy for details on how we handle personal information.

7. Service Availability

We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. We may temporarily suspend the Service for maintenance, updates, or circumstances beyond our reasonable control.

8. Limitation of Liability

To the maximum extent permitted by law, RiskGuard Pro shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Service.

Our total aggregate liability for any claim arising out of these Terms shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless RiskGuard Pro from and against any claims, damages, losses, or expenses arising out of your use of the Service or violation of these Terms.

10. Modifications to Terms

We may update these Terms from time to time. Material changes will be communicated via email or in-app notification at least 30 days before taking effect. Continued use after changes constitutes acceptance.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

12. Contact

For questions about these Terms, please contact us.