Terms of Service

By accessing or using the NexetRisk platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms.

NexetRisk is an enterprise-grade risk management and analytics platform that provides:

• Fraud detection and prevention analytics • User risk scoring and tiering • Business risk assessment • Operational risk monitoring • Model performance tracking and drift detection • Data upload and processing capabilities • Customizable dashboards and reporting

The Service is provided on an "as is" and "as available" basis. We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time without notice.

3.1 Account Creation When you create an account with us, you must provide accurate, complete, and current information. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.

3.2 Account Security You are responsible for safeguarding the password used to access the Service and for any activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

3.3 Account Types • Administrator Accounts: Full access to organization settings and user management • Analyst Accounts: Access to dashboards, reports, and data analysis • Viewer Accounts: Read-only access to dashboards and reports

3.4 Account Termination We may terminate or suspend your account immediately, without prior notice or liability, for any breach of these Terms.

4.1 Data Ownership You retain all ownership rights to your data that you upload to the Service. By uploading data, you grant us a license to process, analyze, and store your data solely for the purpose of providing the Service to you.

4.2 Data Processing We process your data in accordance with our Privacy Policy and applicable data protection laws. We implement industry-standard security measures to protect your data.

4.3 Data Retention Your data is retained according to your subscription plan and applicable legal requirements. You may request export or deletion of your data at any time.

4.4 Prohibited Data You agree not to upload: • Content that infringes any third-party intellectual property rights • Data that violates any applicable laws or regulations • Malware, viruses, or harmful code • False or misleading information

5.1 Subscription Plans The Service is offered through various subscription plans. Pricing, features, and limitations are as described on our pricing page.

5.2 Billing Cycle Subscriptions are billed monthly or annually in advance. All fees are non-refundable unless otherwise stated.

5.3 Price Changes We reserve the right to modify pricing at any time. Price changes will take effect at the next billing cycle with 30 days advance notice.

5.4 Payment Methods We accept payment via: • Credit/Debit Cards (3.5% processing fee) • Stripe (no additional fee) • PayPal (2.9% + $0.30 processing fee) • Zelle (no additional fee)

5.5 Late Payments Late payments may result in suspension of Service. Overdue balances will accrue interest at 1.5% per month or the maximum rate permitted by law.

6.1 Our Intellectual Property The Service and its original content, features, and functionality are and will remain the exclusive property of NexetRisk and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries.

6.2 License Grant Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service as permitted by your subscription plan.

6.3 Restrictions You may not: • Copy, modify, or create derivative works of the Service • Reverse engineer or attempt to extract source code • Remove any proprietary notices or labels • Use the Service for purposes that compete with us

7.1 Disclaimer THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

7.2 Limitation of Damages IN NO EVENT SHALL RISKGUARD, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES.

7.3 Cap on Liability OUR TOTAL LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

7.4 Essential Terms THE LIMITATIONS IN THIS SECTION ARE A FUNDAMENTAL PART OF THE AGREEMENT AND FORM THE BASIS OF OUR PRICING.

You agree to defend, indemnify, and hold harmless NexetRisk and its licensees and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your use of and access to the Service • Your violation of these Terms • Your violation of any third-party right, including without limitation any copyright, property, or privacy right • Any claim that your data caused damage to a third party

9.1 Termination by You You may terminate your account at any time by contacting our support team or through your account settings.

9.2 Termination by Us We may terminate or suspend your account for any reason, including but not limited to breach of these Terms, without notice or liability.

9.3 Effect of Termination Upon termination: • Your right to access the Service will immediately cease • Your subscription will be cancelled without refund • We may delete your data in accordance with our data retention policy • Provisions of these Terms that by their nature should survive termination will survive

10.1 Applicable Law These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

10.2 Dispute Resolution Any dispute arising out of or relating to these Terms shall be resolved through binding arbitration conducted in San Francisco, California.

10.3 Class Action Waiver You agree to waive any right to participate in a class action lawsuit or class-wide arbitration against NexetRisk.

10.4 Jurisdiction You agree that the courts of California shall have exclusive jurisdiction over any dispute related to these Terms.

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

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

NexetRisk, Inc. Legal Department 100 Market Street, Suite 500 San Francisco, CA 94105 United States

Email: legal@riskguard.com Phone: +1 (415) 555-0123

For general support inquiries, please visit our Help Center or contact support@riskguard.com