RiskTools.AI is an online platform with tools for managing industrial and commercial property risks. The tools enable data analysis and facilitate communication between field staff, corporate risk management, insurance brokers, underwriters, and loss prevention professionals.
These Terms govern your use of the RiskTools.AI service and websites that link to these Terms. In these terms, the word "Service" refers to the websites and the service provided by Dosatsu AI Risk Tools Inc. (the "Provider"). You automatically agree to these Terms and to our Privacy Statement simply by using or logging into the Sites. Your user account to the Service may be provided under a paid agreement between us and a company such as your employer, an insurance broker, an insurance underwriter, another third party, in which case our contract with that entity (the "Sponsor") may modify or replace these Terms.
You may be required to create an account in order to use the Service. To create an account, you must be at least 18 years old and you must provide truthful and accurate information about yourself. Your employer or another third party may create an account for you. Additionally, your employer or the third party who created your account may be able to access or disable your account at their sole discretion.
You may only use your own account, or an account that has been created for you. Do not use accounts that you are not authorized to use. You agree to notify us immediately of any unauthorized use of your account or any other breach of security involving your account. We are not liable for any loss or damage arising from unauthorized use of your account.
We reserve the right to modify the Service at any time, with or without notice to you. For example, we may add or remove functionality or features, and we may suspend or stop a particular feature altogether. We also reserve the right to charge a fee for any of our features at any time.
As part of the Service, you may contribute content, including but not limited to text, images, and data (the "Content"). You can only contribute content to which you own all the rights to use. You do not transfer ownership of the Content by contributing it to the Service, however by posting, submitting, uploading, or otherwise contributing Content to the Service, you grant us, our agents, licensees, and assigns an irrevocable, perpetual, non-exclusive right and permission to reproduce, encode, store, copy, transmit, publish, post, broadcast, display, publicly perform, adapt, modify, create derivative works of, exhibit, and otherwise use the Content. These rights are neccessary for the provision of the Service. The license continues even if you stop using the Service or remove your user account. The license also continues beyond the termination of our contract with the Sponsor of your account.
You agree to indemnify, release, and hold us harmless from any and all liability, claims, actions, loss, harm, damage, injury, cost or expense arising out of any Content you contribute.
In using the Service, we may provide you with Content contributed by another person. We are not responsible for Content provided by any other person, and make no representation as to it's accuracy, reliability, completeness, or basis in fact. Accordingly, we may not be held liable, directly or indirectly, for any loss or damage caused to you in connection with any Content provided by another user, including loss or damage caused by your reliance on such Content.
If you believe any Content on the Service infringes your copyrights, you may request that we remove the Content from the Service by submitting a notice in writing to support@risktools.ai.
The Provider provides the Service using a commercially reasonable level of care. However, the Provider does not make any specific promises about the Service. For example, we do not make any commitments about the content, the specific functionality, the availability, or the reliability of the Service, or it's ability to meet your needs. Our Warranties about the Service are limited to those that are expressly stated in a contract between the Provider and a Sponsor.
The Provider is not liable for any loss, injury, claim, liability, or damage of any kind arising from your use of the Service, or any third party's use of the Service. These exclusions include, without limitation, damages for lost profits, lost data, computer failure, or the violation of your rights by any third party. Additionally, these exclusions include damages arising from any failure to provide the Service, including the Provider's failure to notify a third party or disclose to them any information regarding your insured risks or a change to your risks.
In the event that the Provider is in breach of contractual obligations regarding your use of the Service, the Provider's liability is limited to the amount of fees paid by the Sponsor for the Service during the twelve (12) months preceding the event giving rise to the liability. The Provider is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of the Service.
We may modify these Terms at any time. By continuing to use or log in to the Service after these Terms have changed, you indicate your agreement to the revised Terms. If you do not agree to the changes, you should stop using or logging in to the Service.
The Service may contain links to third-party websites that we do not control or endorse. We are not responsible for any content, products, services, or information provided on third-party websites.
The failure of either party to enforce any provision of these Terms of Service shall not constitute or be construed as a waiver of such provision or of the right to enforce it at a later time.
These Terms are governed exclusively by and construed in accordance with the laws of British Columbia, Canada. Your agreement to these Terms shall be considered to have been made and accepted in British Columbia, Canada, without regard to its conflict of law provisions. You expressly agree that the exclusive jurisdiction for any claim or dispute under these Terms and your use of the Service resides in the courts located in Vancouver, BC, and you further expressly agree to submit to the personal jurisdiction of such courts for the purpose of litigating any such claim or action.
If it turns out that a particular provision in these Terms is not enforceable, that will not affect any other provision.
Last Updated: May 8, 2025