RiskLink Terms and Conditions

Last Updated: October 22, 2025

1. Introduction and Acceptance

Welcome to RiskLink. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you," "your," "user") and RiskLink ("we," "our," "us") governing your access to and use of the website risk-link.co.uk and all related AI-supported risk management and travel security services (collectively, the "Service").

Our Details:

- Business Name: RiskLink

- Address: 4 Waldeck Road, London, SW14 7HF, United Kingdom

- Contact Email: support@risk-link.co.uk

- Company Registration: [To be completed upon registration]

BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.

2. Definitions

- "Account" means the registered user account created to access the Service

- "AI Content" means reports, analyses, and recommendations generated by artificial intelligence systems

- "Content" means all text, data, graphics, reports, and materials available through the Service

- "Subscription" means the paid access plan selected by the user

- "User Data" means information provided by you to generate reports and use the Service

3. Eligibility

3.1 Age Requirement

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this requirement.

3.2 Authority

If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

3.3 Prohibited Users

You may not use the Service if you have been previously suspended or banned from the Service, or if you are prohibited by law from accessing the Service.

4. Account Registration and Security

4.1 Account Creation

To access certain features of the Service, you must create an account by providing accurate, current, and complete information, including:

• Full name
• Valid email address
• Secure password
• Any additional information required for service provision

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

4.3 Account Information

You agree to:

• Provide accurate and truthful information
• Update your information promptly when it changes
• Not impersonate any person or entity
• Not create multiple accounts without authorization

4.4 Account Termination by User

You may terminate your account at any time by contacting support@risk-link.co.uk or using the account deletion feature in your account settings.

5. Subscription Plans and Free Trial

5.1 Subscription Plans

RiskLink offers various subscription plans with different features, usage limits, and pricing. Current subscription options and pricing are available on our website.

5.2 Free Trial Period

New users may be eligible for a one-month free trial of the Service. The free trial:

• Is available once per user/organization
• Provides access to specified features as detailed on our website
• Automatically converts to a paid subscription unless cancelled before the trial ends
• May be modified or discontinued at our discretion
• Is subject to eligibility verification and may be revoked for abuse or violation of these Terms

5.3 Trial Cancellation

You may cancel your free trial at any time during the trial period without charge by managing your subscription through your account settings or contacting support@risk-link.co.uk.

5.4 Subscription Activation

If you do not cancel before the end of your free trial, you will automatically be charged for the subscription plan you selected, and your subscription will continue on a recurring basis.

6. Fees, Payment, and Billing

6.1 Subscription Fees

By subscribing to the Service, you agree to pay all applicable fees for your selected subscription plan. All fees are:

• Stated in British Pounds (GBP) or other currencies as displayed
• Exclusive of applicable taxes unless otherwise stated
• Subject to change with 30 days' notice

6.2 Payment Processing

Payments are processed through our third-party payment provider, Stripe. By providing payment information, you:

• Authorize us to charge your payment method for all fees
• Represent that you have the legal right to use the payment method
• Agree to Stripe's terms and conditions and privacy policy

6.3 Recurring Billing

Subscriptions automatically renew at the end of each billing period (monthly or annual, as selected) until cancelled. You will be charged:

• Automatically on each renewal date
• At the then-current subscription rate (subject to notice of changes)
• Using the payment method on file

6.4 Failed Payments

If a payment fails:

• We will attempt to process payment using updated payment information if provided
• Your access to the Service may be suspended until payment is received
• We may terminate your subscription after repeated failed payment attempts
• You remain liable for all unpaid fees

6.5 Taxes

You are responsible for all applicable taxes, duties, and governmental charges (including VAT) except those based on our net income. If we are required to collect or pay taxes, they will be charged to you.

7. Cancellation and Refunds

7.1 Subscription Cancellation

You may cancel your subscription at any time by:

• Managing your subscription through your account settings
• Contacting support@risk-link.co.uk
• Following the cancellation process provided in our communications

7.2 Effect of Cancellation

Upon cancellation:

• Your subscription will remain active until the end of the current billing period
• You will retain access to the Service until the end of the paid period
• Automatic renewal will be disabled
• No further charges will be made

7.3 No Refunds

All subscription fees are non-refundable. If you cancel your subscription, you will not receive a refund for:

• The current billing period
• Any partial period of non-use
• Any unused features or services
• Early cancellation of an annual subscription

7.4 Refund Exceptions

Refunds may be provided at our sole discretion in exceptional circumstances, including:

• Service outages or technical failures that prevent access for extended periods
• Billing errors or duplicate charges
• Legal requirements under applicable consumer protection laws

7.5 EU/UK Consumer Rights

If you are a consumer located in the EU or UK, you may have additional cancellation rights under consumer protection laws, including a 14-day cooling-off period. Contact us for more information.

8. Use of the Service

8.1 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes.

8.2 Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Service for illegal activities or to promote illegal activities
• Interfere with or disrupt the Service or servers/networks connected to the Service
• Attempt to gain unauthorized access to any part of the Service
• Use automated systems (bots, scrapers, etc.) to access the Service without permission
• Reverse engineer, decompile, or disassemble any aspect of the Service
• Copy, modify, distribute, or create derivative works from the Service
• Remove or alter any proprietary notices or labels
• Use the Service to transmit viruses, malware, or harmful code
• Impersonate others or misrepresent your affiliation with any person or entity
• Harass, abuse, or harm others through the Service
• Collect or harvest information about other users without consent
• Use the Service to send spam or unsolicited communications
• Resell, lease, or sublicense access to the Service without authorization
• Use the Service in any manner that could damage our reputation or business

8.3 Usage Limits

Your subscription plan may include usage limits (e.g., number of reports, API calls, storage). Exceeding these limits may result in:

• Temporary suspension of access
• Additional fees
• Requirement to upgrade to a higher-tier plan

9. AI-Generated Content and Disclaimers

9.1 Nature of AI Content

The Service uses artificial intelligence technology, including large language models, to generate risk management and travel security reports. You acknowledge and understand that:

- AI Content is Generated by Algorithms: Reports are created by AI systems, not human experts

- Potential for Errors: AI may produce inaccurate, incomplete, outdated, or misleading information

- No Human Review: AI-generated content may not be reviewed by human experts before delivery

- Not a Substitute for Professional Advice: AI Content should not replace professional risk management, security consultation, or expert advice

9.2 Information Accuracy

IMPORTANT DISCLAIMER:

While we strive to provide accurate and useful information, we make no representations or warranties regarding:

• The accuracy, completeness, or reliability of AI Content
• The suitability of AI Content for any particular purpose
• The timeliness or currency of information provided
• The absence of errors, omissions, or defects in AI Content

Risk situations can change rapidly. Information that was accurate when generated may become outdated quickly.

9.3 User Responsibility

YOU ARE SOLELY RESPONSIBLE FOR:

• Verifying all AI-generated information independently before relying on it
• Evaluating the suitability of AI Content for your specific circumstances
• Making your own risk assessments and security decisions
• Consulting with qualified professionals when necessary
• Taking appropriate precautions for your safety and security
• Any decisions or actions taken based on AI Content

9.4 No Guarantee of Safety

USE OF OUR SERVICE DOES NOT GUARANTEE:

• Your safety or security in any situation
• Accurate prediction of risks or threats
• Prevention of harm, loss, or damage
• Complete or comprehensive risk coverage

Travel and business activities inherently involve risks that cannot be fully predicted or prevented.

10. Intellectual Property Rights

10.1 Our Intellectual Property

The Service, including all software, content, designs, logos, trademarks, and technology, is owned by or licensed to RiskLink and is protected by intellectual property laws. All rights not expressly granted in these Terms are reserved.

10.2 Your Data

You retain all rights to the User Data you provide to the Service. By using the Service, you grant us a worldwide, non-exclusive, royalty-free license to:

• Use, process, and store your User Data to provide the Service
• Create AI-generated reports based on your User Data
• Analyze usage patterns and improve the Service (using anonymized or aggregated data)

10.3 AI-Generated Reports

Reports generated by the Service based on your User Data are provided for your use. However:

• The underlying AI technology and algorithms remain our property
• We retain the right to use anonymized, aggregated insights to improve the Service
• You may not redistribute or resell AI-generated reports without our permission

10.4 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us the right to use, modify, and incorporate such feedback without compensation or attribution.

11. User Data and Privacy

11.1 Data Collection and Use

Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our data practices as described in the Privacy Policy.

11.2 Data Accuracy

You are responsible for ensuring that all User Data you provide is accurate, current, and complete. We are not liable for issues arising from inaccurate or outdated User Data.

11.3 Data Security

While we implement reasonable security measures, you acknowledge that:

• No system is completely secure
• We cannot guarantee absolute security of your data
• You use the Service at your own risk regarding data security

11.4 Data Sharing

We may share your data with third parties as described in our Privacy Policy, including:

• Service providers who assist in operating the Service
• Business partners who provide complementary services
• Legal authorities when required by law
• Potential acquirers in the event of a business transfer

12. Third-Party Services and Links

12.1 Third-Party Integration

The Service integrates with third-party services, including payment processors and AI providers. Your use of these services is subject to their respective terms and policies.

12.2 Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for:

• The content, accuracy, or practices of third-party sites
• Any loss or damage resulting from your use of third-party services
• The availability or performance of third-party services

12.3 No Endorsement

Inclusion of third-party links does not constitute endorsement of those services or their content.

13. Disclaimers and Limitations of Liability

13.1 Service Provided "As Is"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties regarding accuracy, reliability, or completeness of content
• Warranties of uninterrupted or error-free service
• Warranties regarding security or absence of viruses or harmful components

13.2 No Professional Advice

THE SERVICE DOES NOT PROVIDE:

• Professional risk management advice
• Security consultation services
• Emergency response services
• Travel insurance or protection
• Legal, medical, or financial advice

You should consult qualified professionals for expert advice tailored to your specific circumstances.

13.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RISKLINK SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury, death, or property damage arising from use of the Service
• Any damages arising from reliance on AI-generated content
• Damages resulting from unauthorized access to your account or data
• Damages caused by third-party services or integrations
• Damages from service interruptions, errors, or technical failures

WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.4 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF:

• The amount you paid us in the 12 months preceding the claim, OR
• £100 (One Hundred British Pounds)

13.5 Essential Purpose

You acknowledge that these limitations of liability are essential elements of the agreement between you and RiskLink, and that we would not provide the Service without these limitations.

13.6 Exceptions

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless RiskLink, its affiliates, officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from or related to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any laws, regulations, or third-party rights
• Your User Data or any content you submit
• Any decisions or actions you take based on AI-generated content
• Your negligence or willful misconduct

This indemnification obligation survives termination of these Terms and your use of the Service.

15. Service Availability and Modifications

15.1 Service Availability

We strive to maintain the Service's availability but do not guarantee uninterrupted access. The Service may be unavailable due to:

• Scheduled maintenance
• Technical difficulties
• Circumstances beyond our control
• Security incidents or attacks
• Third-party service disruptions

15.2 Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any aspect of the Service at any time
• Change features, functionality, or availability
• Update pricing with 30 days' notice
• Impose new limitations on features or usage

15.3 No Liability for Changes

We are not liable for any modification, suspension, or discontinuation of the Service.

16. Termination

16.1 Termination by You

You may terminate your account as described in Section 7 (Cancellation and Refunds).

16.2 Termination by Us

We may suspend or terminate your account and access to the Service immediately, without prior notice, if:

• You violate these Terms or our policies
• Your payment fails or your account is past due
• We suspect fraudulent, abusive, or illegal activity
• We are required to do so by law
• We discontinue the Service
• We determine, at our sole discretion, that termination is necessary

16.3 Effect of Termination

Upon termination:

• Your right to access and use the Service immediately ceases
• You remain liable for all fees and charges incurred before termination
• We may delete your User Data and account information (subject to legal retention requirements)
• Sections of these Terms that by their nature should survive will continue to apply

16.4 No Refunds Upon Termination

Termination does not entitle you to any refunds unless otherwise required by law.

17. Dispute Resolution and Governing Law

17.1 Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

17.2 Jurisdiction

Subject to Section 17.3 below, you agree that any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

17.3 Informal Resolution

Before initiating formal proceedings, you agree to:

• Contact us at support@risk-link.co.uk to describe the issue
• Attempt to resolve the dispute informally through good-faith negotiations
• Allow 30 days for informal resolution attempts

17.4 Consumer Rights

If you are a consumer, nothing in these Terms affects your statutory rights under applicable consumer protection laws.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any additional terms referenced herein, constitute the entire agreement between you and RiskLink regarding the Service.

18.2 Amendments

We may modify these Terms at any time by:

• Posting the revised Terms on our website with a new "Last Updated" date
• Notifying you via email or through the Service
• Providing 30 days' notice for material changes affecting your rights

Your continued use of the Service after changes take effect constitutes acceptance of the modified Terms.

18.3 Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to reflect the parties' intention to the maximum extent permitted by law.

18.4 Waiver

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

18.5 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign or transfer these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.

18.6 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, pandemics, labor disputes, or internet/telecommunications failures.

18.7 Notices

Notices to you may be sent to the email address associated with your account. Notices to us should be sent to support@risk-link.co.uk.

18.8 Relationship

These Terms do not create any partnership, joint venture, employment, or agency relationship between you and RiskLink.

18.9 Third-Party Beneficiaries

These Terms do not confer any third-party beneficiary rights.

18.10 Electronic Communications

You consent to receive electronic communications from us, including agreements, notices, and disclosures. Electronic communications satisfy any legal requirement that such communications be in writing.

19. Specific Warnings and Disclaimers

19.1 Travel Risks

Travel involves inherent risks. Our Service:

• Cannot eliminate or guarantee protection from all travel risks
• Should not be your sole source of travel safety information
• May not reflect real-time conditions or emerging threats
• Should be supplemented with official travel advisories from government sources

19.2 Security Situations

Security situations can change rapidly and unpredictably. You should:

• Monitor multiple sources of information
• Register with your embassy or consulate when traveling
• Follow instructions from local authorities
• Maintain emergency contacts and contingency plans

19.3 Medical and Health Information

The Service does not provide medical advice. For health-related travel concerns:

• Consult healthcare professionals
• Check official health advisories
• Ensure appropriate vaccinations and medications
• Obtain adequate travel health insurance

19.4 Legal and Regulatory Compliance

You are responsible for:

• Understanding and complying with laws in your destination
• Obtaining necessary visas, permits, and documentation
• Understanding local customs and regulations
• Ensuring your activities are lawful

20. Contact Information

For questions, concerns, or notices regarding these Terms or the Service, please contact us:

Email: support@risk-link.co.uk

Address: 4 Waldeck Road, London, SW14 7HF, United Kingdom

We aim to respond to all inquiries within 5 business days.

BY USING RISKLINK, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

LAST UPDATED: October 22, 2025