Terms of Use

Paid Exposure Assessment Terms

Version 2026-08-05 · Effective August 5, 2026

1. 1. Qualification is not a purchase

   Submitting an assessment qualification form, requesting information, speaking with ApertureRisks, or receiving a preliminary scope does not create a contract, authorize a charge, or begin an assessment delivery period.

2. 2. Formation of an assessment order

   A binding assessment order is formed only when all of the following occur:

   • ApertureRisks provides an approved order summary or checkout describing the applicable scope and price.
   • The customer affirmatively accepts the Paid Exposure Assessment Terms identified by the version shown at checkout.
   • The customer's payment is successfully completed.

   The approved order summary, these Paid Exposure Assessment Terms, and the General Terms of Use collectively govern the assessment order.

   If an approved order summary directly conflicts with these assessment terms, the approved order summary controls only for that specific assessment.

3. 3. Scope

   The assessment is a defined decision-support engagement based on the scope presented before payment.

   Unless expressly included in the approved order summary, the assessment does not include:

   • Legal advice.
   • Regulatory or compliance certification.
   • Customs advice.
   • Insurance advice.
   • Financial or investment advice.
   • An audit conducted under a professional assurance standard.
   • Continuous monitoring after delivery.
   • Implementation of recommended actions.
   • Verification of information that is unavailable, inaccessible, or outside the agreed scope.

   Any requested work outside the approved scope requires separate written agreement and may change the price or delivery target.

4. 4. Price and taxes

   The complete assessment price must be displayed before payment.

   $1,500 is the fixed price of the Essential Exposure Assessment scope only. It is not an automatic charge and is not the price of every assessment. Broader scopes are quoted separately and confirmed in writing before payment.

   Applicable taxes, if any, must be disclosed through the checkout or approved order summary before payment.

   No recurring charge or automatic renewal is authorized unless separately and expressly accepted by the customer.

5. 5. Delivery target

   The Essential Exposure Assessment carries a five-business-day delivery target. The Expanded Exposure Assessment carries a seven-to-ten-business-day delivery target. The Enterprise Exposure Assessment delivery target is defined in the approved written scope.

   Any stated delivery target begins only after:

   • Successful payment.
   • Affirmative acceptance of the applicable terms version.
   • Receipt of all information and access reasonably required to perform the approved scope.

   The delivery target is an operating target, not an absolute guarantee.

   The delivery period may be paused or adjusted when:

   • Required customer information is missing, incomplete, inaccurate, or delayed.
   • The customer changes the scope.
   • Third-party systems or data sources are unavailable.
   • Performance is prevented by events reasonably outside ApertureRisks' control.

   ApertureRisks must communicate a material schedule change when reasonably practicable.

6. 6. Customer responsibilities

   The customer is responsible for:

   • Providing accurate and lawfully obtained information.
   • Having authority to provide submitted information.
   • Identifying known restrictions on the use of submitted information.
   • Responding to reasonable clarification requests.
   • Reviewing the delivered assessment before acting on it.
   • Obtaining qualified legal, regulatory, customs, insurance, financial, or other professional advice where required.

   The customer must not submit credentials, regulated personal information, export-controlled information, classified information, or other restricted information unless ApertureRisks has expressly approved an appropriate secure transfer method.

7. 7. Assessment methodology and evidence limitations

   ApertureRisks evaluates information available within the approved scope and applicable assessment period.

   Assessment outputs may distinguish among:

   • Verified evidence.
   • Corroborated evidence.
   • Inferred conclusions.
   • Unsupported or unavailable information.
   • Matters requiring human review.

   An AR-Score or other assessment result is a decision-support measure. It is not a guarantee that a disruption will occur or will not occur.

   ApertureRisks may return not assessed when the available evidence is insufficient, contradictory, stale, or methodologically incompatible.

   ApertureRisks will not knowingly fabricate, silently repair, or clamp contradictory evidence merely to produce a favorable or plausible result.

8. 8. Customer use of the deliverable

   The customer may use the completed assessment internally for legitimate business decision-making.

   The customer may share it with professional advisers, insurers, lenders, customers, suppliers, or other stakeholders when reasonably necessary, provided that the customer does not:

   • Falsely describe the assessment as a legal opinion, certification, guarantee, or professional assurance report.
   • Remove material limitations or qualifications.
   • Alter the assessment in a manner that misrepresents its findings.
   • Represent ApertureRisks as endorsing a decision outside the assessment's stated scope.

   ApertureRisks retains ownership of its underlying platform, methods, scoring logic, templates, software, and general know-how.

   The customer retains ownership of information it lawfully provides.

9. 9. Cancellation and refunds

   The customer may request cancellation before substantive assessment work begins and receive a refund of the assessment fee, excluding any nonrecoverable third-party charges that were clearly disclosed and already incurred.

   After substantive assessment work begins, any refund will be limited to the portion of the paid scope that ApertureRisks has not performed, less clearly documented nonrecoverable third-party charges.

   ApertureRisks may provide a corrected deliverable, revised deliverable, service credit, partial refund, or full refund when reasonably appropriate to resolve a substantiated service deficiency.

   This provision does not limit rights that cannot lawfully be waived.

10. 10. No guaranteed outcome

    ApertureRisks does not guarantee:

    • The completeness of third-party information.
    • The future behavior of suppliers, carriers, governments, markets, weather systems, infrastructure, or other external actors.
    • That every disruption, dependency, or exposure will be identified.
    • That implementing a recommendation will prevent loss.
    • A particular financial, legal, regulatory, operational, or commercial outcome.

    The customer remains responsible for its decisions and actions.

11. 11. Privacy and confidentiality

    Personal information is handled according to the ApertureRisks Privacy Policy.

    Assessment information must be handled according to the approved order summary, applicable platform controls, and any separately executed confidentiality or data-processing agreement.

    The public qualification form is not an approved channel for sensitive or restricted operational data.

12. 12. Electronic acceptance and records

    The customer agrees that electronic acceptance, checkout records, payment records, and the recorded terms version may be used to document the assessment order.

    ApertureRisks must retain an auditable record of:

    • The accepted terms version.
    • Acceptance timestamp.
    • Checkout or order identifier.
    • Payment identifier.
    • Customer or client identity associated with the order.
    • Approved scope or order summary reference.

    These internal identifiers are not exposed publicly.

13. 13. Changes to assessment terms

    A revised assessment terms version applies only to assessment orders accepted under that revised version.

    Changing the public Terms page does not retroactively alter the terms version associated with a previously accepted assessment order.

    Historical terms versions and acceptance records remain auditable.

14. 14. Contact

    Questions concerning an assessment order or these terms may be submitted through the ApertureRisks contact form.