risk.ru
- The documents do not say whether your data trains AI.
- The documents do not say whether your data is used for ads.
- Data is shared only with the providers who run the service.
- The documents do not say who can read your content.
Insurance site collects account and device data, can close you anytime, and you must cover their legal costs.
Agent Trust Hub uses AI and may make mistakes. Review reports and confirm their contents before relying on them.
Collected
Name, address, email, job info, phone, credit card, plus browser, OS, and IP.
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Privacy policy
“RISK may ask that you provide personal information, such as your first and last name, mailing address (including ZIP code), country of residence, e-mail address, employer, job title and department, telephone and facsimile numbers, and other personal information.”
Training
They use it to run the site and to prepare insurance proposals and applications.
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Privacy policy
“Additionally, personal information may be collected for use in preparing insurance sales proposals and illustrations and applications for insurance or other products.”
Sharing
They say they will not give your name to other companies without consent, except as required by law.
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Privacy policy
“Except in the particular circumstances described in this Privacy Policy, RISK will not provide your name to other companies or organizations without your consent.”
Kept
The documents do not say how long they keep your information.
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Privacy policy
“RISK will respect your legal rights regarding access to and correction and deletion of your personal information.”
Controls
You can write to their privacy officer to view, update, or ask to delete your information.
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Privacy policy
“if you wish to update or view your personal information or if you have questions about our Privacy Policy, you may write to the RISK Privacy Officer at the following address:”
Fine print
Rules can change if they post them; they can cut off access anytime; you them.
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Terms of service
“These Terms of Use can change at any time. When they change, we will post the revised terms and conditions on the websites. If you continue to use the websites after we make changes, you are bound by the Terms of Use as revised.”
Expand “Read the exact line” to see the source alongside the explanation.
What you can turn off
The controls and opt-outs their own documents describe, and where they say to find them.
Ask to view, update, or delete your information
Write to RISK Privacy Officer, 1110 Brickell Avenue, Miami, FL 33131
Opt out of SMS
Text STOP to their messages
Request removal of a review
Write to RISK, 2211 Congress Street, Portland, Maine 04122
If a switch is not where they say, the deletion request above still applies.
Line by line
The lines that matter most, worst first.
If someone sues them because of how you used the site, you may have to pay their lawyers and damages.
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Terms of service
“You agree to and RISK, its affiliates, and all of its and their officers, directors, agents, suppliers, and licensors from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to (a) your use of any of the Sites”
For example, if a post you made leads to a lawsuit, you could be on the hook for their legal bills.
They can shut off your access whenever they want, including for business reasons, not only if you break the rules.
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Terms of service
“We may terminate your rights to use the websites at any time for any violation of these terms and conditions and for any business purpose.”
For example, they could close your login without warning even if you still need policy information.
They do not promise the site will work, be accurate, or be safe from viruses.
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Terms of service
“CONTENT AND FUNCTIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE."”
For example, if a wrong policy number on the site causes you a loss, they say they are not responsible.
They can change the contract by posting new text; keeping using the site counts as agreeing.
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Terms of service
“If you continue to use the websites after we make changes, you are bound by the Terms of Use as revised.”
For example, they could add new limits next month and you would be bound if you logged in again.
If you post a review, they can reuse it however they want.
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Terms of service
“All content you submit as part of the CRR Services may be used in any manner by RISK at its sole discretion.”
For example, they could reprint your review in ads without asking you again.
They and outside vendors drop cookies to remember passwords, purchases, and preferences.
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Privacy policy
“we and our vendors may use "cookies". A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you.”
For example, a vendor cookie could record which pages you visited on the insurance site.
They say they do not hand your name to other companies unless you agree or the law requires it.
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Privacy policy
“Except in the particular circumstances described in this Privacy Policy, RISK will not provide your name to other companies or organizations without your consent.”
For example, they should not sell your name to a mailing list without asking.
They say they encrypt data in transit and keep it on password-protected servers.
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Privacy policy
“RISK encrypts your personal information and thereby strives to prevent unauthorized parties from viewing such information when it is transmitted to RISK.”
For example, your form data is supposed to be encrypted when you send it.
They say they do not try to collect data from children, but there is no strong age check described.
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Terms of service
“We do not knowingly gather information from minors nor do we intend to solicit information from children or market products or services to children through the websites.”
For example, a teen could still fill out a form if they claim to be an adult.
Disputes go to Delaware courts, and claims must usually be filed within one year.
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Terms of service
“By logging into, or entering the websites, you consent and submit to the exclusive and venue of the state and federal courts located in the State of Delaware.”
For example, if you wanted to sue, you would have to do it in Delaware within a year.
Words to know
Legal words from the lines above, in plain English.
- personal data
- Any information that is about you or can be linked to you, from your name to your phone's ID. For example, your email, your IP address and the list of apps on your phone are all personal data.
- consent
- Your clear agreement to something, given by an action like ticking a box or tapping Accept. For example, a pop-up asking if the app may use your location is asking for consent.
- indemnify
- You promise to pay the company's legal costs and losses if your use of the service gets it sued. For example, if you post a song you do not own and the label sues the app, you owe the app's lawyer bills.
- affiliates
- Other companies owned by or connected to the same parent company. For example, if you use one app, its sister apps under the same owner may also get your data.
- as is
- You get the service in whatever state it is in, with no promise that it works or will keep working. For example, if the app deletes your photos by mistake, it is not promising to fix that or pay you back.
- service providers
- Outside companies that handle your data on the app's instructions, such as a cloud host or an email sender. For example, the company that stores the app's files in the cloud sees your data but only does what the app tells it.
- cookies
- Small files a website saves on your device so it can recognise you and remember what you did. For example, a cookie keeps you logged in and can also tell an ad company which sites you visited.
- venue
- The specific court or city where any lawsuit must be filed, which may be far from where you live. For example, a user in Florida may have to travel to a court in San Francisco to sue.
- governing law
- Which country's or state's laws are used to settle any dispute, no matter where you live. For example, a user in Ohio may find the terms are judged under California law.
How we got here · grade D · score 36/100 · 15 of 15 policy answers backed by a verified quote · 6 not stated
What does the app collect beyond what it needs to work?
They collect account and insurance-form details plus device and usage data such as browser, OS, CPU speed, referring pages, and IP address.
Does it record your voice, face or body, and what happens to that?
Not stated in the documents.
Are your chats and uploads used to train AI models, and is that off by default?
Not stated in the documents.
Can employees or contractors read your conversations, and when?
Not stated in the documents.
Are you profiled or tracked for advertising?
Not stated in the documents.
Do they sell or share your data, and can you opt out?
They say they will not give your name to other companies without consent, except as required by law, and contractors may access servers.
What rights do they take over what you type and what the AI makes?
Reviews and unsolicited submissions can be used by them in any manner and become their property.
How long do they keep your data after you delete it, and can you delete it in the app?
They say they will respect deletion rights if you write to the privacy officer; they do not give an in-app delete or a time limit.
Does it build a lasting memory or profile of you, and can you see, edit or turn it off?
Not stated in the documents.
Do they commit to basic security, and have they leaked data?
They describe encryption, password-protected servers, and an information security program based on SOC and NIST.
Is there a real age gate, and are teens protected?
They say they do not knowingly collect from minors and reviews require you to be 18, with no age-assurance process described.
Will they tell you when the rules change, and is the policy specific?
Neither document is dated; they say they can amend the policy and that continued use of the site binds you to new terms.
Can they close your account without warning, and can you get your data out first?
They may end your right to use the websites at any time for a rule break or any business purpose, with no export process described.
If something goes wrong, who pays?
The site is as-is with a broad liability waiver, and you must defend and pay their legal costs related to your use.
Do subscriptions renew on their own, and can you get a refund?
Not stated in the documents.
The privacy policy is 1,311 words at a college level (Flesch reading ease 42.2); the terms are 4,088 words at a college graduate level.
