Terms of Use
Last updated July 20, 2026
These terms govern use of the risklytics.ai website. In short: the Site is informational, and the premium figures on it are benchmarks, not quotes. Coverage only exists once a carrier issues a policy.
1. About these terms
These Terms of Use (the “Terms”) govern your use of the risklytics.ai website (the “Site”), operated by Risklytics, Inc. (“Risklytics,” “we,” “us”). By using the Site, you agree to these Terms. If you do not agree, do not use the Site.
2. Who we are
Risklytics is an AI-native commercial insurance brokerage. We are in the process of obtaining insurance producer licensure and are not yet transacting insurance business. When licensed, we arrange commercial insurance coverage for businesses through third-party insurance carriers, with a focus on hard-to-place and excess & surplus (E&S) lines.
3. The Site is informational, not an offer of coverage
The content on this Site is provided for general information. Descriptions of industries, risks, and coverages are summaries, not a statement of what any policy will cover. Nothing on this Site is a quote, a binder, an offer to insure, or advice about your specific situation. No coverage exists unless and until a carrier issues a policy and that policy takes effect.
4. Premium figures are benchmarks
Premium figures shown on this Site are national benchmarks drawn from third-party published cost guides, each cited where it appears. They are averages and ranges, not quotes. Your actual premium depends on your business, location, coverage limits, loss history, and carrier underwriting, and it will differ from any figure shown here.
5. Brokerage services
Any placement, advisory, or other brokerage services Risklytics provides are governed by a separate written engagement between you and Risklytics, and by the terms of the policies that carriers issue. Using the Site or submitting a request through it does not, by itself, create a brokerage relationship or obligate Risklytics to place coverage.
6. Information you submit
When you contact us, you may submit information about your business. We use that information to respond to you and to work on arranging coverage on your behalf. You represent that you have the right to share it. We do not sell the information you submit through the Site.
7. Intellectual property
As between the parties, we own the Site and its content, including text, layout, and marks. We grant you a limited, revocable license to view the Site for your own informational and business use. You will not copy, scrape, redistribute, or build a competing service from the Site’s content without our written permission.
8. Third-party content and links
The Site cites third-party sources and may reference carriers and other third parties. We do not control those parties or their content and are not responsible for it. Citations do not imply endorsement by those sources of Risklytics.
9. No warranties
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE BENCHMARK FIGURES OR OTHER CONTENT ARE ACCURATE, COMPLETE, OR CURRENT.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, RISKLYTICS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOST PROFITS OR REVENUES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE.
11. Changes
We may update these Terms. Material changes will be posted here with a new date, and your continued use of the Site after changes take effect is acceptance of the updated Terms.
12. Governing law
These Terms are governed by the laws of the State of California, without regard to its conflicts rules, and the state and federal courts located in California have exclusive jurisdiction over any dispute relating to the Site.
13. Contact
Questions about these Terms: hello@risklytics.ai.