Terms of Service
Effective Date: 2/3/2026
Welcome to PolicyRisk.com, operated by PRIA Technologies, LLC ("PRIA," "we," "us," or "our"), a Delaware limited liability company. These Terms of Service ("Terms") govern your access to and use of our websites, applications, tools, and services operated by PRIA Technologies (collectively, the "Services").
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
Certain optional services made available through the Services may be provided by separate legal entities and are governed by separate agreements presented at the time you choose to enroll in those services.
1. Eligibility
You must be at least 18 years of age and a resident of the United States to use the Services. By using the Services, you represent and warrant that you meet these requirements. If you are using the Services on behalf of an organization, you represent that you have authority to bind that organization.
2. Description of Services
PRIA Technologies provides software tools and informational content designed to help users understand how government policies and public-sector developments may affect household finances.
The Services may include policy monitoring, data-driven analysis, personalized impact assessments based on information you provide, AI-assisted summaries and explanations, scoring frameworks, and educational content.
The Services are provided for informational and educational purposes only. Features and functionality may change at any time.
3. No Professional Advice
PRIA Technologies is not a registered investment adviser, broker-dealer, insurance company, or tax advisor.
The Services do not provide investment advice, financial planning advice, insurance advice, tax advice, or legal advice. Any insights, scores, assessments, or outputs generated through the Services are informational only and should not be relied upon as a substitute for professional advice.
You are solely responsible for any decisions you make based on information obtained through the Services.
4. Account Registration and Security
Certain features require account registration. You agree to provide accurate and complete information, keep your credentials secure, promptly notify us of unauthorized access, and accept responsibility for all activity under your account.
We may suspend or terminate accounts that violate these Terms or compromise platform security.
5. Use of Artificial Intelligence
The Services incorporate artificial intelligence and automated analysis technologies.
You acknowledge and agree that:
- AI-generated outputs may be inaccurate, incomplete, or outdated
- Outputs are provided for informational purposes only
- You are responsible for independently verifying information
- AI capabilities, models, and features may change over time
PRIA makes no guarantees regarding the accuracy or reliability of AI-generated content.
6. User Content and Data
You retain ownership of content and data you submit ("User Content").
By submitting User Content, you grant PRIA a non-exclusive, worldwide, royalty-free license to use, process, store, and analyze such content solely to provide and improve the Services. This license continues until you delete your content or terminate your account, subject to legal retention requirements.
We may use anonymized and aggregated data derived from User Content for research, analytics, and product improvement purposes.
7. Intellectual Property
The Services, including software, methodologies, scoring frameworks, text, graphics, and design elements (excluding User Content), are owned by PRIA or its licensors and are protected by intellectual property laws.
You are granted a limited, non-transferable, revocable license to access and use the Services for personal, non-commercial use. You may not copy, modify, distribute, reverse engineer, or commercially exploit the Services without prior written consent.
8. Prohibited Conduct
You agree not to:
- Use the Services for unlawful purposes
- Attempt unauthorized access to systems or accounts
- Interfere with platform integrity or performance
- Use automated scraping or bots without permission
- Reverse engineer or extract source code
- Transmit malware or harmful content
- Misrepresent identity or affiliation
- Resell or commercially exploit the Services
Violations may result in immediate termination.
9. Third-Party Services
The Services may integrate with or link to third-party services. Your use of those services is governed by their respective terms and policies. PRIA is not responsible for third-party services or content.
10. Beta Features
Beta or preview features are provided "as is," may contain errors, and may be modified or discontinued at any time. Use of beta features is at your own risk.
11. Fees and Payment
Some Services may require payment. Fees, billing terms, and refund policies will be disclosed at the time of purchase. Fees are non-refundable except as required by law or expressly stated.
12. Termination
You may terminate your account at any time. We may suspend or terminate access at our discretion.
Upon termination, your right to use the Services ends. Certain provisions, including disclaimers, limitations of liability, and dispute resolution, survive termination.
13. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. PRIA DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED.
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRIA SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF $100 OR THE FEES PAID TO PRIA TECHNOLOGIES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
15. Indemnification
You agree to indemnify and hold harmless PRIA from claims arising out of your use of the Services, your User Content, or your violation of these Terms.
16. Dispute Resolution and Arbitration
Disputes shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration will occur in Delaware unless otherwise agreed.
YOU WAIVE THE RIGHT TO PARTICIPATE IN CLASS ACTIONS.
You may opt out of arbitration within 30 days of first accepting these Terms by emailing legal@policyrisk.com.
17. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.
18. Geographic Scope
The Services are intended for U.S. users only.
19. Changes to These Terms
We may update these Terms from time to time. Continued use after changes constitutes acceptance.
20. Contact Information
PRIA Technologies, LLC
Email: legal@policyrisk.com