Terms of Service

1. Service description

Scarlet Risk operates the Scarlet Intelligence platform, an AI-powered risk intelligence and GRC suite that includes Scarlet Comply (compliance automation), Scarlet Intel (risk briefings and monitoring), and Scarlet Governance (AI governance and shadow-AI inventory). The Services are offered in four subscription tiers: Scarlet Go, Scarlet Pro,Scarlet Elite, and Scarlet Team, 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 Scarlet Intelligence 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 in advance through Stripe for the monthly, quarterly, or annual billing period selected at purchase. Quarterly subscriptions are prepaid for three months and annual subscriptions are prepaid for twelve months. By subscribing, you authorize recurring charges for your selected plan and billing period. 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 paid for the current monthly billing period are non-refundable, except where required by applicable law or under the exceptional-refund provisions. Quarterly and annual prepaid refunds are governed by the prepaid-plan provisions of our Refund Policy and any applicable terms stated at purchase.

4.1 Billing & refunds

Subscription fees already paid for the current monthly billing period are non-refundable, and cancellations take effect at the end of that period with full access retained until then. We do not issue prorated refunds for partial months. At our sole discretion, we may issue a refund where (a) a billing error or duplicate charge occurred, (b) a documented service outage prevented access to core platform functionality for a material portion of the billing period, or (c) a charge was processed after cancellation was properly submitted.

Free or discounted trials automatically convert to the selected paid plan at the end of the trial unless cancelled beforehand; charges following conversion are subject to the monthly or prepaid refund provisions applicable to the selected plan. Quarterly and annual subscriptions are prepaid for the selected billing period. Cancellation takes effect at the end of that period, with access retained until then. Refund eligibility for prepaid subscriptions follows the prepaid-plan provisions of our Refund Policy, the terms stated at purchase, and applicable law. Purchases made through a third-party marketplace, reseller, or partner are governed by that party's refund policy.

To request a refund, email billing@scarletrisk.com with your account email, the date of the charge, and the reason for the request. We review all requests within 10 business days.

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 Scarlet Intelligence 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 LLC 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 SCARLET RISK 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. SMS messaging program

By opting in to receive text messages from Scarlet Risk, you agree to receive account-related and customer-care messages (for example: responses to your inquiries, scheduling, and follow-ups) at the phone number you provided. Message frequency may vary. Message and data rates may apply. Reply STOP at any time to unsubscribe; after you send STOP, we will confirm your opt-out and send no further messages. Reply HELP for help, or contact us at pete@scarletrisk.com. Carriers are not liable for delayed or undelivered messages.

12. Contact

Questions about these Terms can be directed to legal@scarletrisk.com.