Legal
Terms of Service
Effective date: January 1, 1970
These Terms of Service ("Terms") govern your access to and use of the Cardinal platform and related websites, applications, and services (collectively, the "Services") provided by Scarlet Risk, Inc. ("Scarlet Risk," "we," "us," or "our"). By creating an account or otherwise using the Services, you agree to be bound by these Terms. If you are entering into these Terms on behalf of an organization, you represent that you are authorized to bind that organization.
1. Service description
Scarlet Risk operates the Cardinal platform, an AI-powered risk intelligence and GRC suite that includes Cardinal Comply (compliance automation), Cardinal Intel (risk briefings and monitoring), and Cardinal Finance (digital asset and crypto risk assessments). The Services are offered in three subscription tiers: Cardinal Go, Cardinal Pro, and Cardinal Elite, each with the features and limits described on our pricing page.
2. Acceptable use
The Services are licensed for your internal business use only. You may not resell, sublicense, white-label, or otherwise make the Services available to third parties without a separate written managed service provider (MSP) or partner agreement with Scarlet Risk. You agree not to (a) reverse engineer or attempt to extract the source code of the Services; (b) interfere with the integrity, security, or performance of the Services; (c) use the Services in violation of any applicable law; or (d) use the Services to transmit malicious code or harmful content.
3. AI-generated content disclaimer
Outputs from the Cardinal platform — including policies, risk registers, gap analyses, intel briefings, vendor assessments, and recommendations — are AI-generated risk intelligence intended to accelerate your decision-making. They do not constitute legal, regulatory, accounting, audit, or compliance advice. You are responsible for reviewing all outputs and consulting qualified professionals before relying on them for specific compliance, legal, or regulatory requirements.
4. Payment and subscriptions
Subscription fees are billed monthly in advance through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis at the then-current rate for your tier. Subscriptions automatically renew at the end of each billing cycle until cancelled. You may cancel at any time through your account settings; cancellation takes effect at the end of the current billing period. Fees already paid for the current billing period are non-refundable, except where required by applicable law.
5. Data ownership
You retain all rights to the data you submit to the Services ("Customer Data"). You grant Scarlet Risk a limited license to process Customer Data solely to provide and improve the Services. Scarlet Risk does not sell Customer Data to third parties.
6. Intellectual property
The Cardinal platform, the Scarlet Risk brand, and all software, models, templates, frameworks, documentation, and other materials made available through the Services — including the form and structure of generated outputs — are the exclusive property of Scarlet Risk, Inc. and its licensors and are protected by intellectual property laws. No rights are granted to you except as expressly set out in these Terms.
7. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCARLET RISK SHALL NOT BE LIABLE FOR ANY COMPLIANCE FAILURES, REGULATORY FINES, AUDIT FINDINGS, SECURITY INCIDENTS, OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR RELIANCE ON, ANY OUTPUTS OF THE CARDINAL PLATFORM. SCARLET RISK'S TOTAL AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED THE FEES YOU PAID TO SCARLET RISK IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.
8. Governing law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles.
9. Dispute resolution
Any dispute arising out of or relating to these Terms or the Services shall be resolved by final and binding arbitration administered in Tampa, Florida, in accordance with the rules of the American Arbitration Association. Each party waives any right to a jury trial or to participate in a class action.
10. Changes to these terms
We may modify these Terms from time to time. We will provide at least 30 days' notice of material changes by email to the address associated with your account. Your continued use of the Services after the effective date of the updated Terms constitutes acceptance of the changes.
11. Contact
Questions about these Terms can be directed to legal@scarletrisk.com.