1. Agreement Acceptance and Binding Nature
By accessing, using, or registering for RNFAI's AI-powered risk management platform and related services ("Services"), you ("User," "Client," or "you") acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service ("Terms") and all applicable laws and regulations.
These Terms constitute a legally binding agreement between you and RNFAI Inc. ("RNFAI," "we," "us," or "our"), a corporation incorporated under the laws of the United States. If you do not agree with any provision of these Terms, you must immediately discontinue use of our Services.
Your continued use of the Services following any modifications to these Terms constitutes acceptance of such changes. We reserve the right to modify these Terms at any time, with notice provided through our platform or via email to registered users.
These Terms apply to all users of our Services, including but not limited to executives, administrators, employees, consultants, and any other authorized personnel who access our platform on behalf of an organization.
2. Comprehensive Service Description
RNFAI provides sophisticated AI-powered risk management solutions designed specifically for executive decision-making and strategic planning. Our Services include:
Core Platform Features
- Risk Intelligence Engine: Advanced AI algorithms that analyze internal organizational metrics and external market signals to identify, quantify, and prioritize risk factors
- Threat Probability Quantification: Statistical modeling that transforms complex risk data into clear, actionable probability metrics for strategic decision-making
- Scenario Impact Analysis: Comprehensive modeling of potential outcomes across multiple scenarios, including best-case, worst-case, and most-likely scenarios
- Strategic Option Framing: AI-assisted presentation of strategic alternatives with associated risk profiles and potential outcomes
- Compliance-Ready Dashboards: Executive-level reporting tools designed to meet regulatory requirements and audit standards
- Real-Time Monitoring: Continuous surveillance of risk factors with automated alerts and notifications
- Data Integration Services: Seamless connection with existing enterprise systems, databases, and external data sources
Professional Services
- Strategic Risk Consulting: Expert advisory services for complex risk management challenges
- Implementation Support: Technical assistance for platform deployment and integration
- Training and Education: Comprehensive training programs for platform users and administrators
- Custom Development: Tailored solutions for specific organizational requirements
Important Disclaimers
No Financial Advice (NFA): RNFAI explicitly refrains from providing direct financial advice, investment recommendations, or specific trading guidance. Our Services are designed to provide risk intelligence and strategic insights to support informed decision-making, not to replace professional financial advisory services.
Decision Support Tool: Our platform serves as a decision support tool that presents data, analysis, and strategic options. All final decisions remain the sole responsibility of the User and their organization.
3. User Obligations and Responsibilities
As a User of RNFAI Services, you agree to comply with the following obligations and responsibilities:
Account Management
- Accurate Information: Provide complete, accurate, and current information during registration and maintain the accuracy of your account information
- Credential Security: Maintain the confidentiality and security of your login credentials, including passwords, API keys, and multi-factor authentication devices
- Authorized Access: Ensure that only authorized personnel access your account and that all users comply with these Terms
- Account Monitoring: Regularly monitor your account for unauthorized access or suspicious activity and report any security concerns immediately
Acceptable Use
- Lawful Purposes: Use the Services only for lawful business purposes and in accordance with all applicable laws, regulations, and industry standards
- Professional Conduct: Maintain professional standards in all interactions with our platform, staff, and other users
- Data Integrity: Provide accurate, complete, and relevant data for analysis and ensure data quality standards are maintained
- System Integrity: Refrain from attempting to circumvent security measures, reverse engineer our software, or interfere with platform operations
Prohibited Activities
- Unauthorized access to systems, data, or accounts belonging to other users or organizations
- Distribution of malware, viruses, or other harmful code through our platform
- Harassment, abuse, or inappropriate conduct toward other users or RNFAI personnel
- Violation of intellectual property rights, including unauthorized copying or distribution of our software or content
- Use of the platform for illegal activities, fraud, or deceptive practices
- Excessive or abusive use that may impact platform performance or availability for other users
4. Data Handling and Privacy Protections
Your use of RNFAI Services involves the processing of various types of data. Our data handling practices are governed by our Privacy Policy and the following principles:
Data Ownership and Control
- Client Data Ownership: You retain full ownership of all business data, risk information, and other content you provide to our platform
- Processing Authorization: By using our Services, you authorize RNFAI to process your data solely for the purpose of providing our Services
- Data Portability: You have the right to export your data in standard formats upon request
- Deletion Rights: You may request deletion of your data, subject to legal retention requirements and ongoing service needs
Security Measures
- Encryption: All data is encrypted in transit and at rest using industry-standard encryption protocols
- Access Controls: Strict access controls ensure that only authorized personnel can access your data
- Audit Trails: Comprehensive logging and monitoring of all data access and processing activities
- Regular Security Assessments: Ongoing security testing, vulnerability assessments, and compliance audits
Compliance Framework
- Adherence to applicable data protection regulations (GDPR, CCPA, PIPEDA)
- Industry-specific compliance standards (SOC 2, ISO 27001)
- Regular compliance audits and certifications
- Incident response procedures for data breaches or security events
5. Intellectual Property Rights and Protections
RNFAI and its licensors retain all rights, title, and interest in and to the Services and related intellectual property:
RNFAI Intellectual Property
- Software and Algorithms: All software code, AI models, machine learning algorithms, and analytical frameworks
- Platform Technology: User interfaces, system architecture, database structures, and integration technologies
- Content and Documentation: Training materials, user guides, technical documentation, and educational content
- Trademarks and Branding: RNFAI name, logos, trademarks, and other brand elements
- Methodologies: Risk assessment methodologies, analytical frameworks, and proprietary processes
License Grant to Users
- Limited License: We grant you a limited, non-exclusive, non-transferable license to use our Services during the term of your agreement
- Scope of Use: License is limited to your internal business operations and authorized personnel
- Restrictions: You may not copy, modify, distribute, sell, or create derivative works based on our intellectual property
- Termination: License terminates automatically upon termination of your service agreement
User Content Rights
- You retain ownership of all content, data, and information you provide to our platform
- You grant us a limited license to process your content solely for the purpose of providing our Services
- We do not claim ownership of your business data, strategies, or proprietary information
- Confidentiality protections apply to all proprietary information shared through our platform
6. Service Availability and Performance Standards
RNFAI strives to provide reliable, high-performance services while acknowledging the inherent challenges of complex technology platforms:
Service Level Commitments
- Uptime Target: We target 99.5% platform availability, measured monthly and excluding scheduled maintenance
- Scheduled Maintenance: Regular maintenance windows will be announced at least 48 hours in advance
- Performance Monitoring: Continuous monitoring of system performance, response times, and user experience metrics
- Incident Response: Rapid response to service disruptions with regular status updates
Service Modifications
- Feature Updates: Regular platform enhancements and new feature releases
- Advance Notice: Material changes to Services will be communicated with reasonable advance notice
- Backward Compatibility: Efforts to maintain compatibility with existing integrations and workflows
- Migration Support: Assistance with transitions when significant changes are implemented
Service Limitations
- Services may be temporarily unavailable due to maintenance, updates, or technical issues
- Performance may vary based on data volume, complexity of analysis, and system load
- Third-party integrations may affect service availability and performance
- Force majeure events may impact service delivery beyond our control
7. Financial Terms and Payment Obligations
Use of RNFAI Services is subject to the following financial terms and payment obligations:
Fees and Billing
- Service Fees: Fees are based on your selected service plan and usage levels as specified in your service agreement
- Billing Cycle: Fees are typically billed monthly or annually in advance, as specified in your agreement
- Payment Terms: Payment is due within 30 days of invoice date unless otherwise specified
- Late Payments: Late payments may result in service suspension and additional fees
- Currency: All fees are quoted and payable in US Dollars unless otherwise specified
Fee Changes
- Notice Period: Fee changes will be communicated at least 60 days in advance
- Grandfathering: Existing clients may be grandfathered at current rates for a specified period
- Usage-Based Adjustments: Fees may be adjusted based on actual usage levels and service consumption
Refund Policy
- Pro-Rated Refunds: Refunds for unused services may be provided on a pro-rated basis in certain circumstances
- Service Credits: Service credits may be provided for significant service disruptions
- Dispute Resolution: Billing disputes must be raised within 60 days of the invoice date
8. Limitation of Liability and Risk Allocation
RNFAI provides risk intelligence and strategic insights but does not guarantee specific outcomes or assume responsibility for business decisions:
Service Limitations
- Decision Support Only: Our Services provide information and analysis to support decision-making but do not make decisions for you
- No Outcome Guarantees: We do not guarantee specific business outcomes, risk mitigation results, or financial performance
- Data Dependency: The quality and accuracy of our analysis depends on the quality and completeness of input data
- External Factors: Many risk factors are beyond our control and may not be fully captured in our analysis
Liability Limitations
- Maximum Liability: Our total liability for any claims arising from or related to these Terms or our Services shall not exceed the total fees paid by you in the 12 months preceding the claim
- Excluded Damages: We are not liable for indirect, consequential, punitive, special, or incidental damages, including lost profits, business interruption, or loss of data
- Business Decision Responsibility: You acknowledge that all business decisions based on our Services are made at your own risk and discretion
- Third-Party Claims: We are not liable for claims arising from your use of third-party services or integrations
Risk Acknowledgment
- You acknowledge that risk management involves inherent uncertainties and that no system can predict all possible outcomes
- You agree to maintain appropriate insurance coverage and risk management practices independent of our Services
- You understand that our Services supplement but do not replace professional judgment and expertise
9. Regulatory Compliance and Industry Standards
RNFAI operates in compliance with applicable regulations and maintains appropriate certifications for serving enterprise clients:
Compliance Framework
- Data Protection: Compliance with GDPR, CCPA, PIPEDA, and other applicable data protection regulations
- Financial Services: Adherence to relevant financial services regulations where applicable
- Industry Standards: Compliance with SOC 2, ISO 27001, and other relevant industry standards
- Export Controls: Compliance with export control laws and regulations
Client Compliance Responsibilities
- Regulatory Requirements: You are responsible for ensuring that your use of our Services complies with all applicable regulations in your jurisdiction
- Industry-Specific Rules: Compliance with industry-specific regulations and standards applicable to your business
- Professional Consultation: Consultation with qualified legal and compliance professionals as needed
- Audit Cooperation: Cooperation with regulatory audits and examinations as required
No Financial Advice Disclaimer
- RNFAI is not a registered investment advisor, broker-dealer, or financial services provider
- Our Services do not constitute financial advice, investment recommendations, or trading signals
- Users should consult with qualified financial professionals for investment and financial planning decisions
- All investment and financial decisions remain the sole responsibility of the User
10. Termination Procedures and Effects
Either party may terminate this agreement under the following circumstances and procedures:
Termination by User
- Voluntary Termination: You may terminate your service agreement at any time with 30 days written notice
- End of Term: Services will terminate automatically at the end of your subscription period unless renewed
- Downgrade Options: You may downgrade your service level with appropriate notice
Termination by RNFAI
- Breach of Terms: We may terminate immediately for material breach of these Terms
- Non-Payment: Termination for non-payment after appropriate notice and cure period
- Service Discontinuation: Termination with 90 days notice if we discontinue Services
- Legal Requirements: Immediate termination if required by law or regulation
Effects of Termination
- Service Access: Immediate cessation of access to our platform and Services
- Data Retention: Data will be retained according to our Privacy Policy and applicable legal requirements
- Data Export: You may request export of your data within 30 days of termination
- Outstanding Obligations: All outstanding fees and obligations remain due and payable
- Survival Clauses: Confidentiality, intellectual property, and limitation of liability provisions survive termination
11. Dispute Resolution and Governing Law
Any disputes arising from or related to these Terms or our Services shall be resolved according to the following procedures:
Governing Law
- Jurisdiction: These Terms are governed by the laws of the State of New York, United States
- Federal Laws: Federal laws of the United States apply where relevant
- Conflict of Laws: Conflict of laws principles do not apply
Dispute Resolution Process
- Direct Negotiation: Parties will first attempt to resolve disputes through good faith negotiation
- Mediation: If negotiation fails, disputes will be submitted to mediation before a mutually agreed mediator
- Arbitration: Unresolved disputes will be settled by binding arbitration under the rules of the American Arbitration Association
- Court Jurisdiction: The courts of New York, United States have exclusive jurisdiction for any matters not subject to arbitration
Limitations
- Time Limit: Claims must be brought within one year of the date the claim arose
- Individual Claims: No class action or representative proceedings are permitted
- Injunctive Relief: Either party may seek injunctive relief for intellectual property violations
12. Contact Information and Legal Notices
For questions about these Terms of Service, legal notices, or other matters, please contact us:
All legal notices must be sent in writing to the address above or via email to our Legal Department. Electronic notices are deemed received when sent to the specified email address.