Terms of Service

Effective date: March 16, 2026

1. Acceptance of Terms

By accessing or using MarisRisk ("the Service"), operated at marisrisk.ai, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Description of Service

MarisRisk is an underwriting decision-support tool that consolidates publicly available employer safety data (OSHA enforcement, SIR, ITA, FMCSA, and related sources) into searchable employer profiles, risk scores, and analytical reports.

3. Accounts & Access

  • You must register for an account to use the Service.
  • You are responsible for maintaining the confidentiality of your credentials.
  • You must promptly notify us of any unauthorized use of your account.
  • We may suspend or terminate accounts that violate these Terms or applicable law.

4. Acceptable Use

You agree not to:
  • Use the Service for any unlawful purpose.
  • Attempt to gain unauthorized access to systems or data.
  • Scrape, crawl, or bulk-download data except through provided export features.
  • Redistribute data obtained from the Service as a competing product.
  • Interfere with or disrupt the Service or its infrastructure.

5. Data Accuracy & Disclaimer

The Service compiles data from public government sources. While we strive for accuracy:
  • Data may be incomplete, delayed, or contain errors from upstream sources.
  • Risk scores and ML predictions are informational and do not constitute professional advice.
  • You must independently verify data with official sources before making underwriting or business decisions.

6. Intellectual Property

The Service, its design, code, branding, and proprietary analytics are owned by MarisRisk. Underlying public-domain government data remains in the public domain. Your account grants you a limited, non-exclusive, non-transferable license to use the Service for your internal business purposes.

7. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

8. Limitation of Liability

To the maximum extent permitted by law:
  • The Service is provided "as is" and "as available" without warranties of any kind, express or implied.
  • We are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
  • Our total aggregate liability shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless MarisRisk and its officers, employees, and agents from any claims, damages, or expenses arising out of your use of the Service or violation of these Terms.

10. Modifications

We may modify these Terms at any time. Material changes will be communicated via the Service or email at least 30 days before taking effect. Continued use after changes constitutes acceptance.

11. Termination

Either party may terminate this agreement at any time. Upon termination, your right to access the Service ceases immediately. Sections that by their nature should survive (liability, indemnification, IP) will remain in effect.

12. Governing Law

These Terms are governed by the laws of the jurisdiction in which MarisRisk operates, without regard to conflict-of-law principles.

13. Contact

Questions about these Terms? Contact us at support@marisrisk.ai.