Terms of Service

Last updated: January 1, 2025

Welcome to Revenue Risk Pilot. These Terms of Service ("Terms") govern your use of our platform and services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

Service Description and Acceptance

Revenue Risk Pilot provides income risk management tools and analytics for freelancers and sole traders. Our platform offers risk scoring, scenario modeling, and financial planning recommendations. By creating an account or using our services, you acknowledge that you have read, understood, and agree to these Terms.

Account Registration and Eligibility

To use our services, you must:

  • Be at least 18 years of age
  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access
  • Be legally capable of entering into binding agreements

You are responsible for all activities that occur under your account.

Subscription Plans and Payment Terms

Our services are offered through various subscription tiers with different features and pricing. Payment terms include:

  • Monthly or annual billing cycles as selected
  • Automatic renewal unless cancelled
  • Pro-rated charges for plan upgrades
  • No refunds for partial billing periods
  • Price changes with 30-day advance notice

Acceptable Use and Prohibited Activities

You agree to use our services only for lawful purposes and in accordance with these Terms. Prohibited activities include:

  • Violating any applicable laws or regulations
  • Attempting to gain unauthorized access to our systems
  • Interfering with or disrupting our services
  • Uploading malicious code or harmful content
  • Sharing account credentials with unauthorized parties
  • Using our services for competitive intelligence gathering

Data Accuracy and Financial Disclaimers

While we strive to provide accurate analysis and recommendations, you acknowledge that:

  • Our services provide estimates and projections, not guarantees
  • Financial decisions remain your sole responsibility
  • You should consult qualified professionals for specific advice
  • Market conditions and business circumstances can change rapidly
  • Past performance does not guarantee future results

Intellectual Property Rights

Revenue Risk Pilot and its licensors own all rights, title, and interest in our platform, including:

  • Software, algorithms, and analytical models
  • Trademarks, logos, and brand elements
  • Content, documentation, and user interfaces
  • Aggregated and anonymized data insights

You retain ownership of your business data while granting us necessary licenses to provide our services.

Service Availability and Modifications

We strive to maintain high service availability but cannot guarantee uninterrupted access. We reserve the right to:

  • Modify or discontinue features with reasonable notice
  • Perform scheduled maintenance and updates
  • Temporarily suspend services for technical reasons
  • Update our platform to improve functionality

Cancellation and Account Termination

Either party may terminate this agreement:

  • You may cancel your subscription at any time through your account settings
  • We may terminate accounts for Terms violations
  • Termination does not relieve payment obligations for services already provided
  • We will provide reasonable notice before termination when possible
  • Data export options are available before account closure

Limitation of Liability

To the maximum extent permitted by law, Revenue Risk Pilot shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Business losses, lost profits, or opportunity costs
  • Damages exceeding the amount paid for our services
  • Third-party actions or data breaches beyond our control

Indemnification

You agree to indemnify and hold harmless Revenue Risk Pilot from claims arising from:

  • Your use of our services in violation of these Terms
  • Your business decisions based on our analysis
  • Infringement of third-party rights
  • Violation of applicable laws or regulations

Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Dispute Resolution and Governing Law

These Terms are governed by the laws of Pennsylvania, United States. Any disputes will be resolved through:

  • Good faith negotiation as the first step
  • Binding arbitration if negotiation fails
  • Jurisdiction in Philadelphia, Pennsylvania courts
  • Individual basis only, no class actions

Force Majeure

Neither party shall be liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, government actions, or technical infrastructure failures.

Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Revenue Risk Pilot.

Contact Information

For questions about these Terms of Service, please contact us: