Terms of Use — RiskLink Radar

These terms govern use of RiskLink Radar ("Radar"), operated by RiskLink ("we", "us"), by the brokerage granted access ("you") and its authorised users. By accepting an invitation and using Radar, you agree to these terms on behalf of yourself and your brokerage. If you have signed a separate written agreement with us, that agreement prevails where they differ.

1. Definitions

"Monitored organisation" — a commercial client submitted for monitoring. "Owner" — the user who submitted it. "Report" — any report, finding, rating, or analysis Radar provides. "User" — an individual using Radar under your brokerage's access.

2. The service

Radar monitors the external, internet-facing systems of monitored organisations and provides reports and risk ratings through the portal. Monitoring is non-intrusive and limited to information observable from the public internet; nothing is installed on any system and no credentials are used. We may improve, extend, or modify features over time.

3. Accounts and access model

Access is by invitation only. Accounts are personal to the named user; sign-in links must not be shared or forwarded. You are responsible for actions taken under your brokerage's accounts and for keeping user lists current — your administrators can invite, disable, and manage users, and must promptly disable users who leave.

Within Radar, a monitored organisation is visible to its owner and to users the owner explicitly grants access — including, at the owner's choice, users at another brokerage working in partnership. Grants are revocable by the owner at any time. Brokerage administrators do not automatically see colleagues' submissions. RiskLink personnel access records as necessary to provide the service, as described in the Privacy Policy; privileged actions and file access are logged.

4. Your authority and client consent

This section matters most. By submitting a monitored organisation, the submitting user confirms that:

• the organisation has authorised external, non-intrusive scanning of its internet-facing systems by RiskLink; and
• the submitter is authorised by that organisation to give this confirmation on its behalf.

The confirmation's exact wording, time, and author are recorded and retained as the authority for monitoring. You agree to obtain and maintain this authority for as long as monitoring continues, to notify us promptly if it is withdrawn, and to provide evidence of it on reasonable request. You will indemnify us against claims, losses, and costs arising from monitoring performed in reliance on a confirmation given without the organisation's authority.

5. Acceptable use

You will use Radar only to evaluate and serve your own commercial clients and genuine prospects for whom you hold the section 4 authority. You will not: attempt to access records not granted to you; probe, scan, or test the platform's security without our prior written agreement; use another user's session; attempt to discover whether other brokerages monitor any organisation; resell, sublicense, or provide Radar or reports to third parties except as section 9 permits; introduce malicious code; or use the service for any unlawful purpose. We may suspend access immediately where security or unlawful use requires it.

6. Your submissions

You are responsible for the accuracy of information you submit and for having the right to upload the documents you provide. You grant us the licence needed to host, process, and analyse submitted information to provide the service. You retain ownership of your data.

7. Professional responsibility

You are the insurance professional in the relationship with your client. Radar informs your advice; it does not give it. You remain responsible for how reports and ratings are presented to clients, insurers, and markets, for compliance with the rules of your licensing bodies and regulators, and for your own errors-and-omissions arrangements.

8. Reports and ratings are information, not advice

Reports and ratings reflect information observable from the public internet at a point in time, produced with reasonable care but without guarantee of completeness or accuracy. External observation cannot see everything: the absence of a finding is not an assurance that no weakness exists, and a rating is not a prediction that an incident will or will not occur. Reports and ratings are not insurance advice, underwriting advice, legal advice, a security audit, or a penetration test, and must not be represented as any of those. Neither a report nor a rating creates any warranty about a monitored organisation's security. Decisions made in reliance on them are your own and your clients' own.

9. Confidentiality

Reports and portal content concerning a monitored organisation are confidential. You may share them with the organisation concerned, and within the circle of users the owner has granted access, as needed to serve that client — and not otherwise without our written agreement. We treat your book of business — which organisations you have submitted — as your confidential information: we do not disclose it to other brokerages, and Radar is designed not to reveal it to them even indirectly. Both parties will protect the other's confidential information with at least reasonable care, and neither obligation applies to information lawfully known without confidence or independently developed.

10. Intellectual property and feedback

We own Radar, its software, report formats, and rating methodology, including improvements. You have a non-exclusive, non-transferable, revocable right to use the portal and reports for the purposes described here while your access remains active. If you give us feedback or suggestions, we may use them without obligation. Neither party will use the other's name or logo publicly without written consent, except that we may identify your brokerage to your own users within the portal.

11. Fees and availability

Access is currently provided on terms agreed with your brokerage; where fees apply they will be set out in writing before they are charged. We aim for high availability but provide the service without an uptime guarantee; we perform maintenance with notice where practicable, and support is available at support@risklink.io during business hours (Eastern Time).

12. Liability

To the maximum extent permitted by law: Radar is provided "as is" and "as available"; all conditions and warranties implied by statute or otherwise are excluded; we are not liable for indirect, incidental, special, or consequential loss, loss of profit, loss of business, or loss arising from decisions made in reliance on reports or ratings; and our total aggregate liability in any twelve-month period is limited to the fees paid by your brokerage for the service in that period, or CAD $1,000 if none were paid. Nothing excludes liability for fraud, wilful misconduct, or anything that cannot lawfully be excluded.

13. Suspension and termination

Either party may end the relationship on 30 days' written notice; we may suspend or terminate immediately for material breach, security risk, or unlawful use. On termination, access ends for your users; retention, return, and deletion of data are as described in the Privacy Policy. Sections 4, 7–10, 12, and 14–16 survive termination.

14. Force majeure

Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages of third-party infrastructure, provided it takes reasonable steps to mitigate.

15. Notices and changes

Formal notices to us go to support@risklink.io; notices to you go to your brokerage's administrators by email. We may update these terms; material changes will be notified to your administrators at least 14 days before taking effect, and continued use after the effective date is acceptance. The version you accepted, and when, is recorded.

16. General

These terms are governed by the laws of Ontario and the federal laws of Canada applicable there; the courts of Ontario have exclusive jurisdiction. You may not assign these terms without our consent; we may assign to an affiliate or in connection with a sale of the business. Failure to enforce is not waiver; if a provision is unenforceable the remainder stands. These terms plus the Privacy Policy are the entire agreement concerning the portal, unless a signed brokerage agreement provides otherwise.

Contact: support@risklink.io — RiskLink Inc., 3080 Yonge Street, Suite 6060, Toronto, Ontario M4N 3N1, Canada.