Terms of Service

Last updated: 10/9/2025

1. Acceptance of Terms

By accessing or using Riesgo (“we”, “us”, “our”, or the “Company”) and its services, you (“User”, “you”, or “your”) agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, and all applicable laws and regulations. If you do not agree to these Terms, you must not use our services.

2. Eligibility

You must be at least 18 years old or the age of majority in your jurisdiction to use our services. By using Riesgo, you represent and warrant that you meet these requirements and have the legal capacity to enter into this agreement.

3. Service Description

Riesgo provides portfolio risk analysis, market insights, and related information. The service is provided “as is” and “as available” for informational and educational purposes only. We do not provide personalized investment, legal, tax, or financial advice.

4. User Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree not to use the service for any unlawful, harmful, or fraudulent purpose, and to comply with all applicable laws and regulations, including but not limited to data protection, anti-money laundering, and securities laws.

5. No Financial Advice

All content provided by Riesgo is for informational purposes only and does not constitute financial, investment, trading, or other professional advice. You acknowledge that any investment decision is made at your own risk and you should consult with a qualified professional before making any financial decisions.

6. International Users & Regulatory Compliance

Riesgo is intended for users worldwide. You are responsible for ensuring that your use of the service complies with all local, national, and international laws and regulations, including but not limited to the General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), and other applicable privacy, consumer protection, and financial regulations. We reserve the right to restrict access to the service in any jurisdiction at our sole discretion.

7. Intellectual Property

All content, trademarks, logos, and intellectual property on Riesgo are owned by the Company or its licensors. You may not copy, reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

8. Third-Party Services

Our service may contain links to or integrations with third-party websites, products, or services. We do not control and are not responsible for the content, privacy policies, or practices of any third parties. Use of third-party services is at your own risk.

9. Data Privacy

We process your personal data in accordance with our Privacy Policy and applicable data protection laws, including GDPR and CCPA. By using our service, you consent to such processing and warrant that all data provided by you is accurate.

10. Indemnification

You agree to indemnify, defend, and hold harmless Riesgo, its affiliates, officers, directors, employees, agents, licensors, and partners from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including attorneys’ fees) arising from your use of the service, your violation of these Terms, or your violation of any rights of another.

11. Limitation of Liability

To the maximum extent permitted by law, Riesgo and its affiliates shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, resulting from (a) your use or inability to use the service; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any interruption or cessation of transmission to or from the service; (d) any bugs, viruses, or the like transmitted to or through our service by any third party; or (e) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available via the service.

12. Disclaimers

The service is provided on an “as is” and “as available” basis. Riesgo expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

13. Termination

We reserve the right to suspend or terminate your access to the service at any time, with or without notice, for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the service will immediately cease. You may terminate your account at any time by contacting us.

14. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction most protective of consumer rights and data privacy, including but not limited to the laws of the United States, the European Union, and any other applicable jurisdiction. Any disputes arising out of or relating to these Terms or the service shall be resolved exclusively in the courts of such jurisdiction, unless otherwise required by applicable law.

15. Dispute Resolution & Arbitration

Where permitted by law, you agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the service shall be resolved by binding arbitration, on an individual basis, in accordance with the rules of the American Arbitration Association or other applicable arbitration body. You waive any right to participate in class actions or class-wide arbitration.

16. Changes to Terms

We reserve the right to update or modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the “Last updated” date. Your continued use of the service after such changes constitutes your acceptance of the new Terms.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall remain in full force and effect.

18. Contact Information

If you have any questions about these Terms, please contact us at [email protected].