Terms and Conditions

1. Acceptance of Terms

Welcome to PolicyRiskCenter.com. These Terms and Conditions ("Terms") govern your access to and use of the PolicyRiskCenter.com website (the "Site") and all related services, including the Compliance Risk Assessment Wizard, educational content, and premium features (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access or use our Services.

These Terms apply to all visitors, users, and others who access or use the Services, whether as a guest user, registered user, or premium subscriber.

2. Description of Services

PolicyRiskCenter.com provides educational content and tools related to compliance and risk management. Our Services include:

2.1 Informational Content

• Educational articles, guides, and resources on compliance and risk management
• Information about regulatory frameworks and industry standards
• Links to government agencies and professional organizations

2.2 Compliance Risk Assessment Wizard

• Interactive tool to identify and evaluate organizational compliance risks
• Risk scoring and prioritization features
• Report generation capabilities

2.3 Premium Features

• Enhanced reporting with detailed recommendations
• Branded report generation with custom logos
• Assessment history and saved reports
• Additional risk categories and evaluation criteria

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the Services under applicable laws
• If representing an organization, have the authority to bind that organization to these Terms

By using our Services, you represent and warrant that you meet all eligibility requirements.

4. User Accounts

4.1 Account Creation

Certain features of our Services require you to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breaches

4.2 Account Security

You are responsible for safeguarding your account credentials. We recommend using a strong, unique password and enabling any available security features. We will not be liable for any losses caused by unauthorized use of your account.

4.3 Account Termination

You may terminate your account at any time by contacting us. We reserve the right to suspend or terminate accounts that violate these Terms or for any other reason at our discretion.

5. Free Services

We offer certain Services at no cost, including:

• Access to educational content and articles
• Basic use of the Compliance Risk Assessment Wizard
• Generation of standard assessment reports

Free Services are provided "as is" and may be subject to limitations, including:

• Maximum number of risks that can be evaluated
• Limited custom risk entries
• Basic reporting format without detailed recommendations

We reserve the right to modify, limit, or discontinue free Services at any time without notice.

6. Premium Services & Payments

6.1 Premium Features

Premium Services provide enhanced capabilities beyond our free offerings. Premium features are clearly identified on our Site and may include expanded risk libraries, detailed recommendations, branded reports, and saved assessment history.

6.2 Pricing

Current pricing for Premium Services is displayed on our Site. Prices are in US Dollars and exclude any applicable taxes unless otherwise stated. We reserve the right to change pricing at any time, but changes will not affect existing purchases.

6.3 Payment Processing

Payments are processed through Stripe, a third-party payment processor. By making a purchase, you agree to Stripe's Terms of Service. We do not store your complete payment information on our servers.

6.4 Refund Policy

Due to the digital nature of our Services:

• All sales of Premium Services are final
• Refunds may be granted at our sole discretion for technical issues that prevent access to purchased features
• Refund requests must be submitted within 14 days of purchase
• To request a refund, contact us at support@policyriskcenter.com

6.5 Taxes

You are responsible for any applicable taxes associated with your purchase. We may collect sales tax where required by law.

7. User Conduct

When using our Services, you agree NOT to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Services for any unlawful or fraudulent purpose
• Attempt to gain unauthorized access to any part of the Services
• Interfere with or disrupt the Services or servers
• Upload viruses, malware, or other malicious code
• Collect or harvest user data without authorization
• Use automated systems (bots, scrapers) to access the Services
• Reverse engineer, decompile, or disassemble any part of the Services
• Resell, redistribute, or commercially exploit the Services without permission
• Impersonate any person or entity
• Submit false or misleading information
• Circumvent any access controls or usage limits

8. Intellectual Property

8.1 Our Intellectual Property

All content, features, and functionality of the Services, including but not limited to text, graphics, logos, icons, images, audio, video, software, and the compilation thereof, are the exclusive property of PolicyRiskCenter.com or our licensors and are protected by copyright, trademark, and other intellectual property laws.

8.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your personal or internal business purposes, subject to these Terms. This license does not include:

• Any resale or commercial use of the Services or content
• Reproduction, duplication, copying, or exploitation of the Services
• Any derivative use of the Services or content
• Downloading or copying account information for another party
• Any use of data mining, robots, or similar data gathering tools

8.3 Trademarks

"PolicyRiskCenter.com," "Compliance Risk Assessment Wizard," and associated logos are trademarks of PolicyRiskCenter.com. You may not use these marks without our prior written permission.

9. User Content

9.1 Your Content

You retain ownership of any content you submit through our Services, including assessment responses, organizational information, and custom risk entries ("User Content"). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, store, and process such content solely to provide our Services to you.

9.2 Responsibility for Content

You are solely responsible for your User Content and represent that:

• You have the right to submit such content
• The content does not violate any third-party rights
• The content does not contain confidential information you are not authorized to share

9.3 Content Removal

We reserve the right to remove any User Content that violates these Terms or that we deem inappropriate, without notice.

10. Disclaimers

10.1 No Professional Advice

PolicyRiskCenter.com is not a law firm, accounting firm, or professional consulting service. The content and tools we provide:

• Are for general informational purposes only
• Do not create any attorney-client, accountant-client, or professional relationship
• Should not be relied upon as a substitute for professional advice
• May not reflect the most current legal or regulatory developments

You should consult qualified professionals for advice specific to your situation.

10.2 No Guarantees

We make no representations or warranties that:

• The Services will meet your specific requirements
• The Services will be uninterrupted, timely, secure, or error-free
• The results obtained from using the Services will be accurate or reliable
• Any errors in the Services will be corrected

10.3 "As Is" Basis

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

10.4 Third-Party Content

Our Services may contain links to third-party websites and resources. We do not endorse and are not responsible for the content, accuracy, or practices of any third-party sites.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• POLICYRISKCENTER.COM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.
• OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.
• THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless PolicyRiskCenter.com and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any third-party rights
• Your User Content
• Any claim that your use of the Services caused damage to a third party

13. Termination

13.1 Termination by You

You may stop using our Services at any time. If you have a registered account, you may request account deletion by contacting us.

13.2 Termination by Us

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms.

13.3 Effect of Termination

Upon termination:

• Your right to use the Services will immediately cease
• We may delete your account and associated data
• All provisions of these Terms that should survive termination shall survive, including intellectual property provisions, disclaimers, limitations of liability, and indemnification

14. Governing Law

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

Any legal action or proceeding arising out of or related to these Terms or the Services shall be brought exclusively in the federal or state courts located in Fulton County, Georgia, and you consent to the personal jurisdiction of such courts.

15. Dispute Resolution

15.1 Informal Resolution

Before filing any claim, you agree to try to resolve the dispute informally by contacting us at legal@policyriskcenter.com. We will attempt to resolve the dispute informally within 60 days.

15.2 Arbitration Agreement

If informal resolution is unsuccessful, any dispute arising from these Terms shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Atlanta, Georgia, unless the parties agree otherwise.

15.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

15.4 Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property rights.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. We will notify you of material changes by:

• Posting the updated Terms with a new "Last Updated" date
• Displaying a prominent notice on our Site
• Sending an email to registered users (for significant changes)

Your continued use of the Services after changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Services.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PolicyRiskCenter.com regarding the Services and supersede all prior agreements and understandings.

17.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

17.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, government actions, or internet service failures.

17.6 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

18. Contact Information

If you have any questions about these Terms, please contact us:

By using PolicyRiskCenter.com, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.