RiskCube Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS ("Terms") CAREFULLY BEFORE USING THE SERVICES. THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS (SEE SECTIONS 21–22).

Who We Are

These Terms govern your access to and use of the RiskCube website and platform, including any dashboards, applications, tools, and related services (collectively, the "Services").

As used in these Terms:

• "RiskCube," "we," "us," or "our" means RiskCube, Inc. and RiskCube Insurance Services, LLC together.
• RiskCube Insurance Services, LLC provides insurance brokerage/producer services where licensed.
• RiskCube, Inc. provides the software platform and operational support.

RiskCube is not an insurance carrier. We do not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers and is subject to the terms and conditions of the applicable policy.

1. Additional Terms and Notices

Your use of the Services is also subject to our Privacy Policy , Do Not Sell or Share My Personal Information notice (where applicable), Electronic Transactions and Communications Consent , and Compensation Disclosure , plus any other terms we present to you for specific features or transactions (collectively, "Additional Terms"). If these Terms conflict with Additional Terms for a specific product or feature, the Additional Terms will control for that product or feature.

2. Eligibility and Authority

You must be at least 18 years old to use the Services.

If you use the Services on behalf of a company or other entity, you represent and warrant that you have authority to bind that entity to these Terms, and "you" includes both you and that entity.

3. Account Registration; Accuracy of Information

You agree to provide accurate, current, and complete information and to promptly update it. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at legal@riskcube.com if you believe your account has been compromised.

4. Acceptable Use; Prohibited Conduct

You may use the Services only for lawful purposes and in accordance with these Terms.

You will not, and will not attempt to:

• Access or use the Services in violation of applicable law, regulation, or sanctions.
• Use the Services for fraud, misrepresentation, or unlawful activity.
• Interfere with, disrupt, or compromise the security or integrity of the Services.
• Reverse engineer, decompile, or attempt to extract source code (except to the extent permitted by law).
• Scrape, crawl, harvest, or use automated means to access the Services except as expressly permitted in writing.
• Upload malware or harmful code, or probe for vulnerabilities.
• Impersonate any person or entity or misrepresent affiliation.
• Use the Services to build a competing product or service using scraping or systematic extraction.

Sanctions. You may not use the Services if you are subject to U.S. sanctions or located in a sanctioned jurisdiction, or if your use would violate U.S. export controls or sanctions laws.

5. Insurance Services; Brokerage Relationship

5.1 Brokerage Services

If you request quotes, placement, or policy servicing through RiskCube (the "Brokerage Services"), you authorize RiskCube Insurance Services, LLC to act as your insurance producer/broker (and where applicable, your broker of record/agent of record) for the specific policies, quotes, and transactions you request through the Services.

You authorize us to communicate that designation to carriers, wholesalers, your prior producer, and other relevant parties, including by submitting broker-of-record/agent-of-record documentation where required.

No exclusivity. Nothing in these Terms requires you to work exclusively with RiskCube. However, if you request that we act as broker of record for a policy, the carrier's or wholesaler's rules may limit simultaneous broker involvement for that policy/transaction.

5.2 No Binder; No Coverage Until Confirmed

Quotes, indications, summaries, and recommendations are informational and are not a binder or guarantee of coverage. Coverage is not bound unless and until confirmed in writing by the issuing carrier (or its authorized representative) and any required conditions are satisfied (including signatures and payment if required).

5.3 Carrier Decision-Making

Carriers and underwriters make all final decisions regarding whether to offer, renew, cancel, non-renew, price, or provide coverage. Not all products are available in all jurisdictions or for all risks.

5.4 Surplus Lines

Some coverages may be placed with surplus lines insurers. Surplus lines insurers may not be admitted in your state, may not be subject to the same regulatory oversight, and state guaranty funds may not apply in the event of insolvency. Where required, surplus lines placement will be handled through appropriately licensed surplus lines channels and documentation.

Fees and Taxes. Surplus lines placements and placements through wholesalers, MGAs, or program administrators may include additional fees and charges that are separate from premium, including wholesale/MGA/program fees and surplus lines taxes and stamping/filing fees imposed by states or stamping offices. These amounts may vary by state and transaction and are typically required as a condition of placement.

6. Payments; Third-Party Processors

Payments may be processed through third-party payment processors. Those processors may have separate terms and fees. RiskCube is not responsible for the acts or omissions of third-party payment processors. You authorize us and our payment partners to process payments as directed by you and to share necessary information to complete transactions.

Some carriers/wholesalers may bill you directly; you are responsible for paying direct-billed invoices according to issuer instructions.

Premium financing, if offered, is provided by third-party lenders under separate agreements.

7. Electronic Transactions and Communications Consent

You consent to receive disclosures, notices, and communications electronically (e.g., via email and/or via the dashboard), as described in our Electronic Transactions and Communications Consent . You are responsible for maintaining current contact information and ensuring you can receive electronic communications.

8. Platform Tools; AI-Assisted Features

The Services may include AI-assisted tools that summarize information, extract fields from documents, surface recommendations, and help streamline workflows.

AI outputs are not professional advice. AI-assisted insights may be incomplete or inaccurate and are provided for informational purposes only. They are not legal, tax, accounting, or professional advice. You are responsible for reviewing all application information and policy documents and for determining whether coverage meets your needs.

AI training. We do not use personal information submitted in connection with insurance applications or your dashboard to train publicly available or general-purpose AI models. We may use de-identified or aggregated data, where permitted, to improve the Services.

9. Certificates of Insurance; Policy Summaries

Certificates of insurance and policy summaries are informational and do not amend, extend, or alter coverage. Only the policy controls. Consult qualified counsel for contractual and insurance coverage questions.

10. Intellectual Property

The Services and all content, software, models, algorithms, designs, and materials are owned by RiskCube or its licensors and are protected by intellectual property laws. Subject to these Terms, RiskCube grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes.

You may not use RiskCube trademarks without written permission.

11. User Submissions

If you submit content or materials through the Services (e.g., documents or questionnaires), you grant RiskCube a limited license to use, host, process, reproduce, and display such materials solely to provide, secure, and improve the Services and Brokerage Services, comply with law, and enforce these Terms. You represent you have the rights necessary to provide such materials.

12. Customer References

We will not use your name, logo, trademarks, or other brand features in marketing materials without your prior written consent. If you consent, you may revoke it by contacting legal@riskcube.com, and we will stop within a reasonable time.

13. Third-Party Services and Links

The Services may integrate or link to third-party services (including payment processors, analytics, communications tools, and carrier/market systems). RiskCube does not control and is not responsible for third-party services. Your use of third-party services may be governed by their terms and privacy policies.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, or secure.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RISKCUBE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THE SERVICES.

Cap. To the maximum extent permitted by law, RiskCube's total liability arising out of or relating to the Services will not exceed the greater of: (a) $1,000 or (b) the amounts you paid RiskCube (excluding insurance premiums paid to carriers and amounts paid to third parties) in the 12 months preceding the event giving rise to the claim.

Exceptions. These limitations do not apply to liability arising from RiskCube's fraud, willful misconduct, or gross negligence, or where prohibited by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless RiskCube and its officers, directors, employees, and agents from and against claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of: (a) your use of the Services; (b) your violation of these Terms; (c) your infringement of third-party rights; or (d) your unlawful conduct.

17. Termination

We may suspend or terminate access to the Services at any time if we reasonably believe you violated these Terms, pose a security risk, or as otherwise necessary to protect the Services. Sections that by their nature should survive will survive termination.

18. Void Where Prohibited; Licensing

The Services are offered only in jurisdictions where RiskCube Insurance Services, LLC (and/or applicable affiliates or partners) is licensed and permitted to provide brokerage services. Nothing on the Services constitutes an offer to sell or solicit insurance where prohibited.

19. Arbitration Agreement

PLEASE READ CAREFULLY. THIS SECTION REQUIRES INDIVIDUAL ARBITRATION.

Any dispute arising out of or relating to these Terms or the Services will be resolved by binding arbitration administered by JAMS under its applicable rules. The arbitration will take place in Delaware unless the parties agree otherwise.

Either party may seek injunctive or equitable relief in court to protect intellectual property or prevent misuse of the Services.

20. Class Action Waiver; Jury Trial Waiver

YOU AND RISKCUBE AGREE TO RESOLVE DISPUTES ONLY ON AN INDIVIDUAL BASIS AND WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION. YOU ALSO WAIVE THE RIGHT TO A JURY TRIAL.

If the class action waiver is found unenforceable, the arbitration agreement may be deemed void to the extent required by law.

21. Changes to Terms

We may update these Terms by posting the revised version on the Services. Changes are effective when posted. Your continued use of the Services after changes become effective constitutes acceptance.

22. Contact; Notices