Terms of Use

Last Updated: August 5, 2025

Thank you for choosing Riskli, an AI-assisted mobile application provided by Civil Security AI (“Company,” “we,” or “us”) . These Terms of Use (“Terms”) govern your access to and use of the Riskli mobile app and related services (collectively, the “Service” ). By downloading, installing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service. Please also review our Privacy Policy, which describes how we collect and use your information (the Privacy Policy does not modify these Terms but is an important related document).

Eligibility

Minimum Age: You must be at least 13 years old (or the minimum age of digital consent in your country) to use the Service. If you are under 18 (or under the age of majority in your jurisdiction), you may only use Riskli under the supervision and with the consent of a parent or legal guardian. The Service is not intended for children under 13, and we do not knowingly provide access to such users.
Business Use: Riskli is intended for entrepreneurs and small business owners. If you use the Service on behalf of a company or other organization, you represent that you have the authority to bind that organization to these Terms, and in that case "you" shall refer to the organization.
Geographic Restrictions: The Service is offered globally, but we do not guarantee it is appropriate or available in all locations. You are responsible for complying with local laws when accessing the Service.

License Grant

Subject to your compliance with these Terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to download, install, and use the Riskli mobile application on a compatible mobile device that you own or control. This license is provided solely for your individual, personal or internal business use in connection with the Service and in accordance with these Terms.

License Scope: This is a license grant, not a sale – we and our licensors retain all rights, title, and interest in the app and Service. All rights not expressly granted to you are reserved by the Company. You may not use the Riskli name, logos, or trademarks except as permitted by us in writing (or as allowed by applicable law).
App Stores: If you downloaded the app from the Apple App Store or Google Play (each an "App Store"), you acknowledge that these Terms are an agreement between you and the Company, not with Apple or Google. Your use of the app must comply with the App Store's terms of service. Apple and Google have no obligation to provide any support or maintenance for the app, and to the maximum extent permitted by law, they provide no warranty for the app. In the event of any failure of the app to conform to a warranty, you may notify Apple or Google for a possible refund of any purchase price (if applicable); however, Apple and Google have no other warranty obligation with respect to the app. Apple and Google are not responsible for any claims or losses relating to the app or your use of it, including product liability claims, failure to meet legal or regulatory requirements, or consumer protection claims. You agree that Apple, Google, and their subsidiaries are third-party beneficiaries of these Terms as they relate to the mobile app license, and that upon your acceptance of these Terms, each of Apple and Google will have the right to enforce these Terms against you as a third-party beneficiary.

User Responsibilities

By using Riskli, you agree to the following responsibilities:

Compliance with Laws and Policies: You will use the Service in compliance with all applicable laws and regulations, as well as these Terms and any other guidelines or policies we provide. You are solely responsible for your conduct and any data, text, or other content that you input into the Service ("Input") or that is generated by the Service for you ("Output"). Ensure that your Input and use of any Output do not violate any law or infringe anyone's rights.
Account Information: If you are required to create an account or provide information to use the Service (for example, for a subscription), you agree to provide true, current, and complete information about yourself or your business. You are responsible for maintaining the confidentiality of any login credentials, and you must not share your account or password with others. You are responsible for all activities that occur under your account. If you believe your account has been compromised, you must notify us immediately.
Input Content Rights: You represent and warrant that you have all necessary rights and permissions to provide the Input you submit to the Service. Only enter content that you have the right to use – you should not input any confidential or proprietary information that you do not own or have permission to use. (For example, do not input third-party data or personal information about others without authorization.) You are responsible for the legality and appropriateness of your Input.
Evaluation of Output: You understand that any Output provided by our AI is for informational purposes to assist you, and you are responsible for evaluating and vetting the Output's accuracy and suitability for your needs. You must use your own judgment before relying on or implementing any suggestions or analysis from the Service. If you choose to act on Output (such as making a business decision), you do so at your own risk.

Restrictions

When using Riskli, you agree NOT to engage in any of the following prohibited activities:

Illegal or Harmful Use: Do not use the Service for any unlawful, harmful, fraudulent, or malicious activities. This includes generating or transmitting any content that is illegal, promotes illegal activities, or violates the rights of others. For example, you must not use Riskli to create or share content that exploits children, facilitates terrorism or violent extremism, involves non-consensual intimate imagery, encourages self-harm or suicide, or violates any intellectual property, privacy, or proprietary rights of others.
Hate or Harassment: Do not use the Service to generate content that is harassing, defamatory, obscene, or hateful toward any individual or group. You may not engage in threats, bullying, hate speech, or any content that incites violence or discrimination against others. We want Riskli to be used for constructive business purposes – any abusive or harmful content is strictly forbidden.
Misleading or Deceptive Use: You must not use the Service to conduct fraud or deception. This includes not impersonating any person or entity, not claiming false expertise, and not using AI Output to spread misinformation or misrepresent it as human-generated in order to deceive others. For instance, you should not present Riskli's Output as professional advice from a human expert or attempt to defraud someone using information generated by the AI.
Security Abuse: Do not interfere with, disrupt, or compromise the integrity or security of the Service or other users' data. You may not attempt to transmit malware, viruses, or any harmful code via the app, nor engage in phishing or spamming through the Service. Additionally, you must not attempt to bypass or disable any security or technical measures we have in place, nor strain the Service with automated scripts or scraping of data or Output.
Unauthorized Access and Reverse Engineering: You may not attempt to gain unauthorized access to any part of the Service or its related systems or networks. Also, you may not reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, algorithms, or underlying components of the Service or our AI models, except to the limited extent that applicable law expressly permits despite this restriction. Similarly, you must not copy, rent, lease, sell, sublicense, or distribute the app or any portion of the Service to any third party without our prior written consent.
No Platform Abuse: You may not use the Service in a way that imposes an unreasonable burden on our infrastructure or that of our providers. We reserve the right to implement rate limits or other controls and you may not circumvent these measures. Any attempt to interfere with the proper working of the Service or to use the Service to violate any network's security is prohibited.

Subscriptions and Billing

Riskli is offered in both a free version and a paid subscription tier. The following terms apply to pricing and payments:

Free Version: The free version of Riskli provides basic features at no cost. However, we may impose certain limitations (such as reduced functionality, usage caps, or advertising) on free accounts. These limitations are subject to change as we improve the Service. We reserve the right to modify or discontinue the free offering at any time, though we will endeavor to provide notice if any free features are significantly changed or removed.
Paid Subscription: Additional features, expanded usage, or premium services are available through a paid subscription. Details of the current subscription plans, features, and pricing are provided in the app or on our website. By signing up for a subscription, you agree to pay the applicable subscription fees and any taxes on a recurring basis (e.g., monthly or annually, as specified). Billing for subscriptions will be handled through the platform you subscribed on (e.g., Apple App Store or Google Play), and you must provide a valid payment method. Fees are charged in advance of each subscription period.
Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle (e.g., each month or year) by charging the same payment method you provided, unless you cancel beforehand. We (or the applicable App Store) will bill you on a recurring basis without further authorization from you, until you cancel or change your subscription.
Cancellation: You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing period, meaning you will retain Premium access until that period expires. Payments are non-refundable except where required by law, so if you cancel in the middle of a period, you will not receive a pro-rated refund for the remaining time. (For example, if you pay for a month and cancel halfway, you can continue using Premium until the month ends, but will not be refunded the unused half-month unless applicable law mandates a refund.) Instructions for cancellation are provided in the app settings or through the App Store's subscription management. These Terms do not override any rights you may have under local law to receive a refund or cancelation benefits; any mandatory local cancellation rights will be honored.
Changes to Fees: Our subscription prices may change over time. If we increase the price of your subscription, we will give you at least 30 days' advance notice by email or via the app. The new rate will apply to the next billing cycle after the notice period. If you do not agree to the price change, you must cancel your subscription before the new price takes effect; continuing to use the Premium service after the increase constitutes acceptance of the new price.
Taxes: Subscription fees are exclusive of any taxes or duties, unless stated otherwise. You are responsible for any applicable taxes (e.g., VAT, sales tax) required by your locality, and such taxes may be charged in addition to the advertised price when billing occurs.
Billing Issues: You must provide accurate billing information and keep it up-to-date. If a charge is not successfully processed (for example, due to expiration or insufficient funds), and you do not update your payment method or cancel your account, we may suspend or downgrade your access to the Premium features until billing is resolved. You agree to pay all reasonable costs and expenses (including attorneys' fees) we incur in collecting late payments.
Third-Party Payment Processors: Purchases of subscriptions through an App Store will be subject to that platform's payment terms. For example, Apple or Google may handle billing, refunds, and cancellation through their own systems. We are not responsible for any errors or delays by the App Store in processing payments. If you have payment disputes, you may need to contact the App Store support in addition to notifying us.

AI Content Use and Limitations

Riskli uses artificial intelligence to analyze user-provided Input and generate Output (collectively, "Content"). This section explains how Content is handled and important limitations on its use:

Your Input and Output: You retain ownership of your Input and generated Output. We do not claim ownership of your Content. To the extent any rights vest in Output, we assign them to you (where permitted by law). Note that Output is probabilistic; similar inputs by different users may yield similar results.
License to Use Input: By submitting Input, you grant us a license to use, process, and reproduce it solely to provide and improve the Service, enforce policies, and troubleshoot. We will not share your business-sensitive Content with others.
No Public Posting: Riskli is a private advisory tool, not a publishing platform. You cannot post or distribute Content publicly through the app. You may share results externally at your own discretion.
Prohibited Content: Do not input content that violates these Terms (see Restrictions). We reserve the right to refuse or delete Input that violates our policies or law.
Data and Privacy: We minimize personal data collection. Any sensitive information you provide is protected per our Privacy Policy, but avoid submitting highly sensitive details (e.g., health or financial account data).
Accuracy and AI Limitations: AI Output may be inaccurate, incomplete, or outdated. You must critically evaluate all results and verify important conclusions independently. Riskli supplements—not replaces—human judgment.
No Guaranteed Outcomes: Riskli identifies risks and opportunities but does not guarantee any business outcome or financial gain. You remain responsible for all decisions.
Feedback: Any feedback you provide may be used without restriction or compensation to improve Riskli.

Disclaimers of Warranties

Use at Your Own Risk: The Riskli app and Service are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties and representations, express, implied, or statutory, regarding the Service, including (without limitation) any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not guarantee that the Service will meet your requirements, be uninterrupted, error-free, or secure, or that any defects will be corrected.

AI Output Disclaimers: The information and analysis provided by the AI are for general informational purposes only. No advice or information, whether oral or written, obtained from the Service, shall create any warranty not expressly stated in these Terms. In particular, we do not guarantee the accuracy or completeness of any AI-generated Output and we do not warrant or promise any specific results from using the Service (for example, we make no guarantee that using Riskli will lead to a successful business or prevent losses). Any reliance you place on the Output is at your own discretion and risk.

Not Professional Advice: Riskli’s content is not professional advice. The Service is not a substitute for professional consultation with a licensed expert. We are not providing legal, financial, investment, or other professional services or advice through the app. For example, any financial projections or risk evaluations from the AI are not endorsed by a certified financial planner, and any legal-related analysis is not a replacement for advice from a qualified attorney. Do not rely on the Service as medical, legal, financial, or other professional advice for critical decisions. Always consider seeking professional guidance appropriate to your situation.

No Warranty of Success: The Company makes no promises or guarantees that your business ventures will achieve any particular outcome by using Riskli. Any case studies, testimonials, or examples (such as those on our website or in marketing materials) are illustrative only and not a guarantee that you will have similar results. Entrepreneurship inherently involves risk, and while Riskli aims to help identify and manage some of those risks, it cannot eliminate them. You assume all responsibility for decisions made based on information from the Service.

Third-Party Services: Riskli may integrate or use third-party services or data (for example, market data sources or platform services like the App Stores). We make no guarantees regarding any third-party content or services. Those are provided by others “as is,” and your use of them may be subject to their own terms. We are not responsible for the acts or omissions of third-party providers.

Jurisdictional Exceptions: Some jurisdictions do not allow the exclusion of certain warranties. If any law applies to you that prohibits the exclusions in this Disclaimers section, then to the extent required by that law, those specific exclusions may not apply to you. In that case, our warranties are limited to the minimum extent permitted by applicable law.

Limitation of Liability

No Indirect Damages: To the maximum extent permitted by law, in no event will the Company (Civil Security AI), its affiliates, suppliers, or licensors, or our respective officers, employees, or agents, be liable to you for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Service. This limitation applies even if we have been advised of the possibility of such damages, and even if a remedy fails of its essential purpose.

Liability Cap: To the extent we are found liable notwithstanding the above disclaimer, our total aggregate liability to you for any and all claims arising from or related to the Service or these Terms will not exceed the greater of: (a) the total amount (if any) you have paid us for the Service in the 12 months immediately preceding the event giving rise to the claim, or (b) USD $10 (or equivalent in local currency). If you have paid nothing (for example, if you only use the free version), our liability to you shall not exceed $10. This limitation is cumulative and not per-incident.

Exceptions: Nothing in these Terms is intended to exclude or limit liability that cannot be excluded under law – for example, certain jurisdictions do not allow the exclusion of liability for personal injury or death caused by negligence, or for gross negligence or willful misconduct. In such cases, our liability will be limited to the smallest amount permitted by law. Additionally, because some countries/states do not allow the exclusion or limitation of incidental or consequential damages, the above limitations may not apply to you to that extent. Your statutory rights (if any) are not affected.

Release: You release us and our affiliates from any and all liability, claims, or damages arising from or related to any dispute between you and any third party (such as other users or service providers) in connection with the Service.

Indemnification: (If you are using Riskli for a business or commercial purpose) You agree to indemnify and hold harmless the Company and its officers, directors, employees, and agents from any claims, losses, and expenses (including attorneys’ fees) arising out of or relating to your use of the Service, your Input or Output, or your violation of these Terms or applicable law. This means you will defend us against any claim that you caused by breaching the Terms or misusing the Service, and pay any damages or costs (including reasonable legal fees) that are awarded or agreed to in a settlement. We will notify you of any such claim and cooperate with you, at your expense, in defending it.

Termination

By You: You are free to stop using Riskli at any time. You may uninstall the app and, if applicable, cancel any subscription as described above if you wish to terminate your use of the Service.

By the Company: We reserve the right to suspend or terminate your access to the Service (or delete your account, if accounts exist) at our discretion, with or without notice, under the following circumstances:

If we reasonably determine that you have violated these Terms or any policies incorporated herein. (For example, if you misuse the Service in a prohibited manner or infringe on someone's rights, your access may be revoked.)
If we are required to do so to comply with law or a legal order. (For example, if a court or regulator directs us to terminate certain services or users, we will comply.)
If your use of the Service is determined by us to pose a risk of harm to us, other users, or the public. This could include behavior that is fraudulent, abusive, or could subject us to liability or security risks.

In any such case, we may terminate or suspend your use immediately. For less serious violations, we may provide you with a warning or an opportunity to rectify the issue (at our discretion), but we are not obligated to do so.

Effect of Termination: Upon termination of your access or account for any reason, your rights to use the Service will cease immediately. You must delete or uninstall any copies of the app in your possession. Any provisions of these Terms that by their nature should survive termination (such as ownership of content, disclaimers, and limitations of liability) will survive. If your account is terminated, you may lose access to any data associated with your account. We are not obligated to maintain or return your Content after termination, except as required by law.

Discontinuation of Service: We reserve the right to discontinue the Riskli Service (in whole or in part) at any time. If we decide to permanently shut down the app or cease operations, we will make reasonable efforts to provide you with advance notice (e.g., via an in-app message or email). If you have a paid subscription at the time of discontinuation, and we terminate the Service without cause, we will refund you any pre-paid fees for services not provided (for example, the unused portion of your current subscription period).

No Liability for Termination: To the fullest extent allowed by law, we will not be liable to you for compensation, reimbursement, or damages due to loss of access, profits, goodwill, or data as a result of terminating your access in accordance with these Terms. Termination is a remedy we may need to exercise to protect the Service or other users, and you agree that you will have no claims against us for a proper termination.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, USA, excluding its conflict of laws principles. If you reside in a country with consumer protection or data protection laws that require other laws to apply, those laws may supersede this choice of California law to the extent required by law.

Unless prohibited by law, all disputes arising out of or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the state or federal courts located in San Francisco, California, USA. You and the Company consent to the personal jurisdiction of such courts. We reserve the right to seek injunctive or equitable relief in any jurisdiction if necessary to protect our interests.

International Use: We recognize that the Service may be accessed globally. If you use the Service from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. Note that your information may be transferred to and processed in the United States or other jurisdictions. By using the Service, you consent to the transfer of your data as described in our Privacy Policy.

Local Rights: Nothing in this Governing Law section shall limit your rights as a consumer under the mandatory laws of your country of residence. If you are entitled by law to bring an action in your local courts or under local law, this section does not prevent you from doing so to the extent permitted.

Contact Information

If you have any questions, concerns, or feedback about these Terms or the Service, or need to contact us for any reason, please reach out to us:

Civil Security AI (Riskli Support)
Email: Falroumi@riskli.com

We will do our best to respond to inquiries in a timely manner. Communications regarding legal issues (such as alleged copyright infringement or breach of these Terms) should be sent with the subject line “Attn: Legal Department” and include sufficient detail about your concern.

By using the Riskli app, you acknowledge that you have read, understood, and agree to these Terms of Use.

Thank you for using Riskli to assist with your business risk analysis. We wish you success in your entrepreneurial endeavors, and we’re here to help you know your risk before starting!