Please read these documents carefully. They govern your use of RiskHelm's website and services.
Effective Date: February 1, 2026 · Last Updated: February 1, 2026
RiskHelm MGA, Inc. ("RiskHelm," "we," "our," or "us") is committed to protecting the privacy of visitors to our website and individuals who interact with our services. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit riskhelm.com (the "Site") or engage with our AI Agent Liability Insurance program.
By using the Site, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site.
We collect information you provide directly to us, information collected automatically, and information from third parties.
Information you provide:
Information collected automatically:
We use the information we collect to:
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We are in an early-stage proof-of-concept phase, and all information shared with us is treated with institutional-grade confidentiality.
We may share your information in the following limited circumstances:
We use cookies and similar tracking technologies to operate and improve the Site. You can control cookie settings through your browser preferences. Disabling cookies may affect certain Site functionality. We do not currently use third-party advertising cookies. Analytics cookies (such as those provided by Google Analytics) help us understand aggregate usage patterns.
We retain personal information for as long as necessary to fulfil the purposes described in this policy, unless a longer retention period is required by law. Information submitted through our contact form is retained for a minimum of three years in connection with our insurance program recordkeeping obligations. You may request deletion of your data at any time (subject to legal retention requirements) by contacting us at the address below.
We implement commercially reasonable administrative, technical, and physical safeguards to protect information from unauthorized access, use, disclosure, alteration, or destruction. However, no internet transmission or electronic storage method is 100% secure. We encourage you to use caution when transmitting sensitive information online.
Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the processing of your personal information. Residents of California (under CCPA) and the European Economic Area (under GDPR) have specific rights including the right to know what personal data we hold, the right to request deletion, and the right to opt out of certain data uses. To exercise these rights, please contact us using the details below.
The Site is intended for business professionals and is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that a minor has submitted information to us, we will promptly delete it.
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the revised policy on the Site with an updated effective date. Your continued use of the Site following any changes constitutes your acceptance of the revised policy.
Privacy Inquiries: For questions, requests, or complaints regarding this Privacy Policy, please contact us at privacy@riskhelm.com or write to: RiskHelm MGA, Inc., Attn: Privacy Officer, [Address on file]. We will respond to all legitimate requests within 30 days.
Effective Date: February 1, 2026 · Last Updated: February 1, 2026
These Terms of Service ("Terms") govern your access to and use of the website located at riskhelm.com (the "Site"), operated by RiskHelm MGA, Inc. ("RiskHelm"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not access or use the Site.
These Terms do not govern any insurance product, coverage, or indemnity arrangement. Insurance terms and conditions are governed separately by applicable policy documentation to be agreed between the parties in connection with any formal program.
The Site is provided for informational purposes only, to describe RiskHelm's AI Agent Liability Insurance program concept and to facilitate preliminary qualification conversations with prospective program participants. Nothing on the Site constitutes an offer to provide insurance coverage, a binding commitment, or a solicitation in any jurisdiction where RiskHelm is not licensed or authorized.
You agree not to:
RiskHelm is a managing general agent operating in proof-of-concept stage. The AAL program is in active development and has not been finalized or approved in all jurisdictions. Nothing on this Site constitutes an insurance contract, an offer of coverage, or a guarantee of insurability. Any coverage terms, limits, premiums, or conditions described are illustrative and subject to change. Actual insurance products, if and when offered, will be subject to separate policy documents, regulatory approvals, and carrier agreements.
All content on the Site — including text, graphics, logos, design elements, and the RiskHelm brand assets — is the property of RiskHelm MGA, Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, or distribute any Site content without prior written permission, except for personal, non-commercial viewing.
The terms "AI Agent Liability Insurance," "AAL," and "RiskHelm" are proprietary designations. Any use of these marks without our prior written consent is prohibited.
THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. RISKHELM DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Content on the Site is provided for general informational purposes only and does not constitute legal, financial, insurance, or professional advice. You should consult qualified advisors before making decisions based on any information provided here.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RISKHELM AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED U.S. DOLLARS ($100).
The Site may contain links to third-party websites or resources. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction in those courts.
We reserve the right to modify these Terms at any time. We will indicate the date of the most recent revision above. Your continued use of the Site following any modification constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.
Questions about these Terms should be addressed to legal@riskhelm.com or in writing to: RiskHelm MGA, Inc., Attn: Legal, [Address on file].