Terms and Conditions

These Terms and Conditions (“Terms”) are a contract between you and Rischio S.A.S., a simplified stock company incorporated in Colombia, NIT 901787239-9, domiciled in Bogotá, Colombia (“Rischio”, “we”, “us”). They govern your use of the website rischio.io, the studio at studio.rischio.io, the free calculators, the Academy, the documentation, the MCP server, and any other product or service we offer (together, the “Service”).

By creating an account, ticking the box that accepts these Terms, or using the Service, you agree to these Terms, to the Privacy Policy and to the Refund Policy. Accepting them electronically is as valid as signing them (in Colombia, Law 527 of 1999). If you don’t agree, don’t use the Service. If you use the Service on behalf of a company or another organization, you confirm that you have the authority to accept these Terms on its behalf, and “you” includes that organization.

1. Who can use Rischio

You must be at least 18 years old, and of legal age to enter into contracts where you live. Rischio isn’t intended for minors, and we close any account we learn belongs to someone under 18.
You must not be barred from using the Service under the laws of Colombia or of your country, including sanctions and export-control laws.
An account belongs to one person. Plans are per person: you may not share your account, your password or your session with anyone else.
The information you give us (your name, your email and the rest) must be true and kept up to date.

2. Your account

You are responsible for keeping your password secret and for everything done with your account, including by AI agents you connect to it.
The studio allows one signed-in browser and one connected agent at a time. Signing in somewhere else signs out the previous session.
Write to us at hello@rischio.io right away if you think someone else has accessed your account.
We may ask you to verify your email, and we may refuse or remove accounts made with temporary or false email addresses.

3. The Service and the plans

Free: to design, with a limited number of models and of models created with AI each month. Reports can be viewed but not printed or exported.
Professional: everything the plan page lists, including unlimited models, the calculation report as PDF and Word, your letterhead and AI agents through MCP. It’s paid, by the month or by the year.
Trial: new accounts get 14 days of Professional, with the limits the pricing page shows, without a card, once per person. An account with an academic email gets Education instead.
Education: Professional, with the limits the pricing page shows, free for six months, for students and teachers with an academic email. It’s for learning and teaching only: commercial or professional use under Education isn’t allowed, and its reports are marked for educational use. We may verify eligibility and end Education where it’s misused. Renewing it is at our discretion.
The free calculators and the Academy can be used without an account, within reasonable limits.

The current features, limits and prices are on the pricing page and in the studio. We may add, change or remove features, limits and plans. For paid plans, we tell you in advance about changes that reduce what you pay for (see section 5).

4. Engineering results: your responsibility

Rischio is a calculation tool for geotechnical and hydraulic design. Read this section carefully, because it defines how you may rely on what the Service produces.

The results depend on the data, assumptions and methods behind each model. The Service applies established methods and shows its equations, values and assumptions, but it can’t know the actual conditions of your site, your project or the codes that apply to it.
The Service doesn’t replace the judgment of a qualified engineer, a site investigation, laboratory testing or the codes and standards that apply where you build. Default criteria, such as factors of safety, may not match your jurisdiction’s requirements.
You must check every result independently before relying on it. Any design, report, drawing or decision based on the Service must be reviewed, approved and, where the law requires it, signed by a licensed professional who takes responsibility for it.
Verified examples show that the Service matches recognized references in those cases. They don’t guarantee that every result in every case is correct.
Rischio isn’t responsible for the design, construction, safety or performance of any structure or project, nor for any decision you or others make based on the Service.

5. Payments, renewals and Paddle

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle processes the payment, charges and remits the applicable taxes, issues the invoices and handles billing inquiries and refunds. Paddle’s Buyer Terms apply to your purchase, in addition to these Terms.

Prices are shown in US dollars on the pricing page and at checkout, plus the taxes that apply in your country.
Renewal: subscriptions renew automatically at the end of each period (a month or a year), at the price in effect, until you cancel.
Cancellation: you can cancel at any time in the studio, under Settings, Plan & billing, or through Paddle. Cancellation takes effect at the end of the period already paid, and you keep Professional until then.
Price changes: we’ll tell you at least 30 days before a price change for your subscription takes effect. It applies from your next period, and you can cancel before then.
Failed payments: if a payment fails and isn’t fixed, the subscription may be cancelled and the account returns to the Free plan.
Chargebacks: if you dispute a charge without first contacting us or Paddle, we may suspend the account while the dispute is resolved. This doesn’t limit any right the law gives you to reverse a payment.
Reduced features: if we materially reduce what Professional includes during a period you’ve already paid, we’ll tell you at least 30 days before. You can then cancel, and we’ll refund the unused part of that period.
Refunds: see the Refund Policy.

When an account returns to the Free plan, its models are kept, but the Free plan’s limits apply.

6. AI features

The studio can build a model from a description you write (“Create with AI”), and you can connect your own AI agent through MCP.

What the AI builds can be wrong or incomplete. The calculations are done by Rischio’s engine, not by the AI, but the model the AI builds (its geometry, its loads, its soils) must be checked by you before you rely on its results.
Your descriptions are sent to our AI provider to produce the result, as the Privacy Policy explains. Don’t include in them other people’s personal data, or confidential information you’re not allowed to share.
You are responsible for what you ask for and for how you use what the AI produces. We may limit, refuse or moderate requests that break these Terms.
An AI agent you connect (Claude, ChatGPT, Cursor or another) acts under your account, with access to your models. Its provider’s terms and privacy policy apply to it, and you are responsible for what it does in Rischio.

7. Acceptable use

You must not do any of the following, or help anyone else to:

use the Service for anything unlawful, fraudulent or harmful, or in breach of anyone’s rights;
upload malware, or interfere with or disrupt the Service, its security or other users;
probe, scan or test the Service’s vulnerabilities, or bypass its authentication, rate limits, usage limits or plan restrictions;
scrape, crawl or extract data from the Service by automated means, except through the features we offer for it (such as MCP, within its limits);
copy, decompile or reverse engineer the Service or its engine, attempt to obtain their source code, or copy our implementation of the methods, except where the law expressly allows it;
create multiple accounts, or use false information, to get trials, Education or free usage more than once;
share, sell, rent or resell access to your account or to the Service;
overload the Service, including the calculators and the engine, with requests beyond normal use;
use the Service or its content to build a competing product, or to train machine learning models;
impersonate anyone, or misrepresent your affiliation with anyone.

We may investigate breaches, and take any of the measures in section 11.

8. Your content

Your models, the data you enter, your reports, your letterhead and anything else you put in the Service (“Your Content”) remain yours.
You give Rischio a worldwide, non-exclusive, royalty-free license to host, store, copy, process and display Your Content only as needed to provide, secure and improve the Service. That includes sending it to the providers listed in the Privacy Policy. This license ends when Your Content is deleted, except for copies we must keep by law.
We may use aggregated and anonymized usage data, which doesn’t identify you or reveal Your Content, to understand and improve the Service.
You confirm that you have the rights to Your Content and that it doesn’t break the law or anyone’s rights.
We don’t use Your Content to train AI models, and our AI provider doesn’t either.
If Your Content includes other people’s personal data, you’re responsible for having the right to use it, and we process it on your behalf and under your instructions. A data processing agreement is available on request.
If you send us feedback or suggestions, we may use them freely, without any obligation to you.

9. Rischio’s intellectual property

The Service, its software, its engine and its implementation of each method, its templates, verified examples, documentation, Academy, designs and the Rischio name and logos belong to Rischio or its licensors and are protected by law. We give you a limited, personal, non-exclusive and non-transferable right to use the Service under these Terms. No other right is granted to you. You may use, deliver and publish the reports you generate, including in your clients’ projects (under Education, only for learning and teaching, as section 3 says), but you may not remove the notices that identify their source or their educational use.

If you believe something in the Service infringes your rights, write to hello@rischio.io with the details. We’ll review it and act promptly.

10. Availability, changes and support

We work to keep the Service available and accurate, but we don’t guarantee that it will be uninterrupted, timely or free of errors. It may be unavailable for maintenance, updates, failures of our providers or events beyond our control.
We may change, update or discontinue features at any time. If we discontinue the whole Service, we’ll give at least 30 days’ notice when possible, so you can export what you need, and we’ll refund the unused part of any prepaid period.
Features marked as beta or preview may change or be removed, and are offered without any commitment.
Support is by email at hello@rischio.io, on a reasonable-effort basis.
Keep your own copies. We protect the data we hold, but the Service isn’t a permanent archive. Export the reports you need and keep copies of your important work.

11. Suspension and closure

You can close your account at any time by writing to hello@rischio.io from your account’s email. If you have a paid subscription, closing the account ends it immediately, and the unused part is refunded only as the Refund Policy and the law provide.
We may suspend or close your account, or restrict features, at any time and with immediate effect if:
- you breach these Terms, in particular sections 1, 6 or 7;
- we detect fraud, abuse, a security risk or harm to the Service, to other users or to third parties;
- a chargeback is filed, as section 5 explains;
- the law or an authority requires it. We’ll tell you, unless the law or the circumstances prevent it.
We may close free accounts that have been inactive for 24 months, after warning you by email at least 30 days in advance. An account is inactive when nobody signs in to it, opens the studio with it or works in it through a connected agent; signing in before the date in the email keeps it.
When an account is closed, access ends and its data is deleted as the Privacy Policy explains. Closure for a breach of these Terms doesn’t give a right to a refund, except where the law grants one. If we close a paid account for any other reason, we’ll refund the unused part of the period already paid.
Sections 4, 5 (for amounts owed), 8, 9, 12, 13, 14, 16 and 17 survive the end of these Terms.

12. Disclaimer of warranties

To the extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied. We specifically disclaim warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement and uninterrupted operation. Nothing in these Terms limits the rights that consumer protection laws give you and that can’t be waived.

13. Limitation of liability

To the extent permitted by law:

Rischio won’t be liable for indirect, incidental, special, consequential or punitive damages. That includes lost profits, revenue, data, business or opportunities, and the costs of designs, works, delays, repairs or structural failures, arising from the use of or inability to use the Service, even if we were warned of their possibility.
Rischio’s total liability for all claims related to the Service or to these Terms won’t exceed the greater of (a) the amounts you paid for the Service in the 12 months before the event that gave rise to the claim, and (b) one hundred US dollars (USD 100).
These limits don’t apply to liability that can’t be limited by law, including liability for fraud, willful misconduct (dolo) or gross negligence (culpa grave).

14. Indemnity

To the extent permitted by law, you’ll defend, indemnify and hold Rischio and its shareholders, directors, employees and providers harmless from any claim, loss, damage, fine or expense (including reasonable legal fees) arising from:

Your Content;
the designs, projects, works or decisions based on your use of the Service;
your breach of these Terms or of the law;
your infringement of anyone’s rights.

This doesn’t apply to the extent the claim arises from Rischio’s breach of these Terms, or from fraud, willful misconduct (dolo) or gross negligence (culpa grave) on our part.

15. Changes to these Terms

We may update these Terms. We’ll tell you about significant changes by email or in the studio at least 15 days before they take effect, except for changes required by law or for security, which may take effect sooner. The version in effect and its date are at the top of this page. For significant changes, the studio will ask you to accept the new version before you go on using it. If you don’t accept it, you must stop using the Service, and you can close your account and cancel your subscription.

16. Governing law and disputes

These Terms are governed by the laws of the Republic of Colombia.
Before going to court, write to us at hello@rischio.io. We’ll try to resolve the matter with you in good faith within 30 days.
Any dispute that can’t be resolved this way will be decided by the competent courts of Bogotá D.C., Colombia, unless a law that protects you as a consumer gives you the right to go to the courts or authorities of your place of residence.
Claims about payments, invoices and refunds are also governed by Paddle’s Buyer Terms.

17. Other terms

Entire agreement. These Terms, the Privacy Policy and the Refund Policy, and for purchases Paddle’s Buyer Terms, are the whole agreement between you and Rischio about the Service.
Severability. If a court finds a provision invalid, the rest remains in effect, and the invalid provision is applied to the extent it can be.
No waiver. Not enforcing a right doesn’t waive it.
Assignment. You may not transfer your rights under these Terms. We may transfer them in a merger, acquisition or sale of assets, and we’ll tell you.
Force majeure. We aren’t liable for delays or failures caused by events beyond our reasonable control, such as failures of the internet or of our providers, cyberattacks, natural disasters, strikes or acts of authorities.
Notices. We’ll send notices to your account’s email or show them in the studio. Write to us at hello@rischio.io.
Language. These Terms are offered in English and in Spanish. If the two versions differ, the Spanish version prevails.

18. Contact

Rischio S.A.S. · NIT 901787239-9 · Bogotá, Colombia · hello@rischio.io. Our physical address for postal notices is available on written request to that email.