General Terms and Conditions

‍§ 1 General Provisions

‍(1) RiskCube GbR, Lothstraße 21, 80797 Munich (hereinafter "RiskCube") operates a platform under the domain “riskcube.ai” that helps SMEs and large enterprises make climate risk-informed decisions to reduce vulnerability, enhance resilience to disasters, and ensure compliance with regulations.

(2) By using the platform, users agree to these Terms and Conditions. Deviations from these terms are only valid if confirmed in writing by RiskCube.

(3) Changes to these terms will be communicated in writing, by fax, or by email. If users do not object within 4 weeks, the changes will be deemed accepted. Users will be specifically informed about their right to object and the consequences of silence.

§ 2 Subject Matter and Services of RiskCube AI

‍(1) RiskCube offers climate and Nat-Cat risk management services to SMEs and large companies and acts as a contact for related inquiries.

(2) Services include:a. Providing website access;b. Assistance with registration and onboarding;c. Identifying climate and Nat-Cat risks;d. Creating information and communication channels;e. Consulting and support services as agreed in writing.

(3) To offer services tailored to a user's risk profile, RiskCube will review submitted documents and identify options based on expressed needs. RiskCube acts only as an intermediary and will not be a party to any contract between the user and, for example, an insurance company. Responsibility for such contracts lies with the contract parties.

(4) For businesses, RiskCube provides risk profiling and consulting services.

§ 3 Contract Conclusion and Compensation

‍(1) RiskCube offers packages through the platform, which can be booked via the platform. The contract relationship begins with booking confirmation.

§ 4 User Obligations

‍Users must provide truthful and complete information for successful consultation and risk assessment. Users must submit requested documents promptly to ensure effective service from RiskCube.

§ 5 Confidentiality

‍Users must keep confidential information, business secrets, and sensitive operational matters secret and not disclose them without explicit permission from RiskCube. This obligation extends to related companies. The confidentiality obligation starts with the contract and continues beyond its termination unless legal disclosure obligations apply.

§ 6 Contract Duration and Termination

‍(1) The contract is indefinite and can be terminated by either party with 3 months' notice at the end of the month.

(2) Booked packages end either at the end of the agreed term or upon completion of services.

(3) Either party may terminate the contract without notice for significant reasons such as user breach of terms, illegal actions, delayed payments, or force majeure.

(4) Terminations must be in writing. Fax and email are acceptable forms.

§ 7 Liability of RiskCube GbR

‍(1) RiskCube is not liable for lost profits, data loss, or indirect damages. The platform is used at the user's own risk, and no warranties are provided.

(2) Liability is limited to intent and gross negligence, and only for breaches of essential contractual duties.

(3) RiskCube is not liable for network disturbances not caused by it.

(4) Liability for data loss is only applicable if proper data backup measures were not feasible.

(5) Liability does not extend to issues caused by improper use of services.

(6) Liability limitations also apply to RiskCube agents.

(7) RiskCube is not responsible for third-party content linked through the platform.

§ 8 External Content, Viruses

‍(1) Users are prohibited from posting content that violates laws or rights of third parties.

(2) RiskCube does not endorse external content.

(3) RiskCube reserves the right to block illegal external content.

(4) Users indemnify RiskCube against claims from third parties regarding posted content and cover related legal costs.

§ 9 Data Protection

‍(1) The server is secured, but data transmission risks are inherent. Confidentiality cannot be guaranteed.

(2) Users consent to anonymized data storage and use for marketing.

(3) RiskCube processes and stores data according to applicable data protection laws. Details are in the privacy policy (link).

§ 10 Final Provisions

‍(1) German law applies, excluding UN sales law. Munich is the court of jurisdiction, though RiskCube may also sue at the user’s general court location.

(2) If any provisions are invalid or conflict with laws, the remaining terms remain valid. Invalid provisions will be replaced with terms that most closely align with the intended economic purpose. This applies to gaps as well.