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Terms of Service

Last updated: April 19, 2026

Contents

Preamble

These Terms of Service (the “Terms”) govern your access to and use of the public websites, marketing content, documentation, and any evaluation or self-service access to the platform (together, the “Site”) made available by Quantum Risk Systems, Inc. (“QRS,” “we,” “our,” or “us”) at (qrsrisk.com) , docs.qrsrisk.com, status.qrsrisk.com, and related subdomains. Paid use of the QRS catastrophe risk analytics platform is governed by a separate Master Services Agreement and Order Form executed between QRS and the customer; where a Master Services Agreement is in place, its terms control and these Terms apply only to the public Site. By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Site. If you are using the Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and “you” refers to that organization.

2. The Site

The Site provides information about QRS and its products, including documentation, status, security, privacy, and related resources. We may update or change the Site at any time and are not obligated to maintain any particular content or functionality.

3. Accounts and Evaluation Access

Certain portions of the Site may require account creation or may provide time-limited evaluation access to QRS software. You are responsible for maintaining the confidentiality of account credentials and for all activities under your account. Evaluation access is provided “as is,” is subject to use limits, and may be revoked by QRS at any time.

4. Acceptable Use

You agree not to:

  • Use the Site in violation of any applicable law or regulation.
  • Reverse engineer, decompile, or attempt to derive source code from any software provided on or through the Site, except to the extent permitted by law.
  • Circumvent access controls, rate limits, authentication mechanisms, or other technical protections.
  • Interfere with, disrupt, overload, or attempt to gain unauthorized access to the Site, other users' data, or any related systems.
  • Upload or transmit malware, viruses, or other harmful code.
  • Use the Site to infringe intellectual property, privacy, or other rights of any person.
  • Use automated means to scrape or harvest content, except as permitted by the robots.txt file or with our prior written consent.
  • Use the Site to build a competing product or to benchmark the Site for a competing product.

5. Security Research

We welcome good-faith security research consistent with our Vulnerability Disclosure Program, available at qrsrisk.com/security/vdp . Research conducted in accordance with that program is exempt from the “circumvent access controls” restriction in Section 4 to the extent necessary to identify and report a vulnerability.

6. Intellectual Property

The Site and all content made available through it (excluding User Content, as defined below) are owned by QRS or its licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your internal evaluation and informational purposes, subject to these Terms. All other rights are reserved.

QRS, Quantum Risk Systems, and the QRS logo are trademarks of QRS. You may not use our trademarks without our prior written consent.

7. User Content

If you submit content through the Site (for example, a vulnerability report, support question, or feedback) (“User Content”), you grant QRS a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, display, modify, and create derivative works of that User Content in connection with operating and improving QRS's business. You represent that you have the rights necessary to grant this license.

8. Privacy

Our processing of personal data in connection with the Site is described in our Privacy Notice at qrsrisk.com/privacy.

9. Third-Party Links and Services

The Site may contain links to third-party websites and services. We are not responsible for the content, policies, or practices of any third party. Your use of third-party websites is subject to the terms and policies of those third parties.

10. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT THE CONTENT ON THE SITE IS ACCURATE OR COMPLETE. CATASTROPHE MODEL OUTPUT SHOWN ON THE SITE IS ILLUSTRATIVE ONLY AND DOES NOT PREDICT ACTUAL LOSSES.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QRS AND ITS AFFILIATES, LICENSORS, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE. QRS'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED ONE HUNDRED DOLLARS (US $100).

12. Indemnification

You will defend, indemnify, and hold harmless QRS and its affiliates from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Site, (b) your violation of these Terms, (c) your User Content, or (d) your violation of any applicable law or third-party right.

13. Termination

We may suspend or terminate your access to all or part of the Site at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms. Sections that by their nature should survive termination will survive, including Sections 6, 7, 10, 11, 12, and 14.

14. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms will be resolved exclusively in the state and federal courts located in Delaware, and you consent to the personal jurisdiction of those courts. Each Party waives any right to a jury trial and to participate in a class action.

15. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms on the Site and update the “Last updated” date. Your continued use of the Site after the change takes effect constitutes acceptance of the updated Terms.

16. Contact

Questions about these Terms can be sent to:
Quantum Risk Systems, Inc.
Attn: Legal
Email: legal@qrsrisk.com