Terms of Use for EZV Algorithms’ Website and Services
Last Updated: December, 2025
These Terms of Use (“Terms”) govern your access to and use of services provided by RiskCentrix, LLC (“RiskCentrix”), dba EZV Algorithms, including algorithm dashboards, software, tools, documentation, and the EZV Algorithms website; these may be supplemented from time to time by articles and chatroom exchanges in Substack, (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. Individual users please review our Privacy Policy, which outlines how we collect, use, and safeguard your personal data.
IMPORTANT NOTICE REGARDING ARBITRATION AND CLASS ACTION WAIVER: WHEN YOU AGREE AND ACCEPT THESE TERMS AND CONDITIONS YOU ARE AGREEING TO RESOLVE ANY DISPUTE BETWEEN YOU AND RISKCENTRIX THROUGH BINDING, INDIVIDUAL, PRIVATE ARBITRATION RATHER THAN IN COURT. CLASS ACTIONS ARE PROHIBITED. PLEASE REVIEW CAREFULLY SECTION 12 BELOW FOR DETAILS REGARDING THE BINDING WAIVER OF YOUR RIGHT TO RESOLVE DISPUTES IN COURT IN FAVOR OF PRIVATE ARBITRATION.
Website Terms of Use
1. Use of the Website.
The Website is intended to be accessed only by natural persons who are eighteen (18) years of age or older, and any registration by, use of, or access to the Website by any person under 18 is unauthorized and in violation of these Terms of Use. We may terminate your use of the Website without notice if we believe you are less than 18 years old. By using the Website, you represent and warrant that, you are a natural person, you are 18 or older, and that you and your employer or company that you represent agree to and will abide by all of the terms and conditions of these Terms of Use.
The Website is intended for use in North America. We make no representation that the Website is appropriate or available for use outside North America. Similarly, we make no representations that accessing the Services from locations outside North America is legal or permissible by local law. If you access the Services from areas outside of North America, you do so at your own risk and are yourself responsible for compliance with local laws.
2. Use Restrictions.
Without our prior written consent, you may not:
2.1. Use any automated means to access this Website or collect any information from the Website for the purpose of hacking, penetration testing, reproducing the Website and/or replicating the Website (including, without limitation, by using robots, spiders, scripts, or other automatic devices or programs for the aforementioned purposes);
2.2. Frame the Website in any manner, utilize framing techniques to enclose any content or other proprietary information, place pop-up windows over any Website pages, or otherwise affect the display of any pages on the Website;
2.3. Engage in the practices of “screen scraping,” “database scraping” or any other activity with the purpose of obtaining content or other information;
2.4. Use the Website in any manner that violates applicable law or that could alter, damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website; or
2.5. Access, use or monitor our Website for benchmarking or any competitive purposes.
3. User Representations.
3.1. Parts of the Website may be accessed only by registering for an account and creating a password, which may include the ability to create a profile and other relevant information regarding yourself and or company you represent. Keep your password secure. You are responsible for the activities on your account. You represent, warrant, and agree that no materials of any kind submitted through your account or otherwise posted or shared by you will violate or infringe upon the rights of any third party, including without limitation any copyright, trademark, patent, privacy, publicity, or other personal or intellectual property rights; or contain libelous, defamatory, or otherwise unlawful material. You will notify us promptly if you discover any unauthorized use of your account. We are not responsible for any losses resulting from unauthorized use of your account.
3.2. Except where authorized by us, you agree not to use the Website to:
3.2.1. Register for more than one user account, register or operate a user account on behalf of another person other than the company you represent.
3.2.2. Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age, or your affiliation with or authority to act on behalf of any person or entity;
3.2.3. Upload, post, transmit, share, store, or otherwise make publicly available through the Website any private information of any third party;
3.2.4. Upload, post, transmit, share, or otherwise make available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of the Website; or use or attempt to use another’s account without authorization from that person, or create a false identity through the Website.
4. Submissions
4.1. You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information (“Submissions”), provided by you to us is non-confidential and shall become the sole property of RiskCentrix; RiskCentrix shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
Services Terms of Use
5. Usage Requirements
5.1. Use of Services. RiskCentrix grants you a non-exclusive, non-transferable license to access and use the Services, subject to these Terms and all applicable laws. All rights not explicitly granted to you are reserved by RiskCentrix and its licensors.
5.2. Feedback. We value feedback and may use your suggestions or ideas without obligation or compensation.
5.3. Restrictions. You may not:
5.4. Third-Party Services. Your use of any third-party software, applications, or services in connection with the Services is subject to the terms and conditions of those third parties. RiskCentrix is not responsible for, and does not endorse or assume any liability for, such third-party services.
5.5. Service Availability. While we strive to maintain high availability, we do not guarantee uninterrupted or error-free access to the Services. Temporary outages may occur due to scheduled maintenance, system updates, technical issues, or events beyond our control, including those described in Section 13.10 Force Majeure.
5.6. Accuracy. The Services may generate content using quantitative methods, artificial intelligence and machine learning technologies, which are inherently probabilistic in nature. While we aim to provide useful and relevant output, you acknowledge that such content may not always be accurate, complete, or appropriate for your specific use case. You are solely responsible for reviewing, verifying, and evaluating any output before relying on it or using it in any context.
6. Fees and Payments
6.1. Fees and Billing. You agree to pay all applicable fees based on your selected plan or usage tier. Unless otherwise agreed in writing, billing is processed when credits are purchased via our third party payment provider in US dollars and may be subject to their terms of use. All payments are non-refundable, except as required by law.
6.2. Taxes. Fees exclude applicable taxes, which you are responsible for paying.
6.3. Price Changes. We may change pricing with 10 days' notice. Changes where required by law take effect immediately.
6.4. Disputes and Late Payments: To dispute a fee or tax charge, contact gettingsL@aol.com We may suspend access to some Services until payment is received.
6.5. Free Tier. Abuse of the free tier, including creating multiple accounts, may lead to access restrictions or standard charges.
7. Confidentiality and Security
7.1. Confidentiality: You may gain access to confidential information belonging to RiskCentrix or third parties. This information must be used solely to operate or use the Services as permitted. You may not disclose such information to any third party without prior written consent, unless required by law, and must apply the same level of care you use for your own confidential information, at a minimum.
7.2. Security: You are responsible for implementing reasonable and appropriate technical and organizational safeguards to protect your access to and use of the Services. You must notify us by emailing gettingsm@riskcentrix.com promptly of any unauthorized access, vulnerabilities, or breaches involving the Services.
7.3. Data Protection: If your use of the Services involves the collection or processing of personal data, you must ensure full compliance with applicable data protection laws and provide necessary privacy disclosures and obtain valid consents from data subjects.
8. Term and Termination
This Agreement is effective upon first use and continues until terminated by either party.
8.1. Termination for Convenience. You may terminate at any time by discontinuing use. Any unused credits in your account will not be refunded on termination. Except where stated otherwise, we may terminate with 30 days’ notice, or immediately in cases of breach, legal requirement, or risk.
8.2. Post-Termination Obligations. Upon termination of these Terms, your right to access and use the Services ends immediately. You must cease all use of the Services and delete or return any confidential or proprietary information obtained through your use of the Services.
9. Disclaimers, Indemnification, and Limitation of Liability
9.1. Disclaimer of Warranties.
9.1.1. We provide the Services “AS IS” and assume no responsibility for any failure to provide the Services to you. The Services may be temporarily unavailable from time to time for maintenance or other reasons. We may discontinue the Services at any time and for any reason. We are not responsible for any problems or technical malfunction of any telephone or cable network or lines, servers or providers, computer equipment, software, failure of email, or technical problems or traffic congestion on the Internet or on or through the Website, including injury or damage to users or to any other person’s devices related to or resulting from use of the Services.
9.1.2. Under no circumstances will we be responsible for any loss or damage, including any loss or damage to any user data, financial damages, lost profits, loss of business, or personal injury or death, resulting from anyone’s use of the Services. YOU AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR OWN RISK, and that we EXPRESSLY DISCLAIM ALL WARRANTIES, TERMS AND CONDITIONS, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES, TERMS AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF THIRD PARTY RIGHTS AND SATISFACTORY QUALITY.
9.2. Indemnification - Organizational Users. If you are a company or organization, to the maximum extent permitted by law, you agree to indemnify and hold us, our subsidiaries and affiliates, and each of their directors, officers, agents, contractors, partners, and employees, harmless from and against any loss, liability, claim, demand, damages, costs (including attorneys’ fees), and expenses, arising out of or in connection with your use of the Services and the Content and violations of the Terms. RiskCentrix reserves the right to assume the exclusive defense and control (at your expense) of any matter that is subject to indemnification under this Section. In such case, you agree to cooperate with any reasonable requests assisting RiskCentrix defense of such matter.
9.3. Limitation of Certain Damage Types.
EXCEPT IN JURISDICTIONS WHERE SUCH PROVISIONS ARE RESTRICTED OR PROHIBITED, IN NO EVENT WILL RISKCENTRIX OR ANY OF ITS AFFILIATES, OR ITS OR THEIR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SERVICES OR ANY OF CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE WEBSITE, EVEN IF ANY OF US IS AWARE OF OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9.4. Limitation of Liability Amount.
TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE GREATER OF THE AMOUNT PAID BY YOU TO US FOR ACCESS TO THE SERVICES AT ISSUE IN THE TWO MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM AND $10. YOU ACKNOWLEDGE THAT IF NO FEES OR CONSIDERATION ARE PAID TO US, YOU SHALL BE LIMITED TO, AT MOST, INJUNCTIVE RELIEF ONLY, UNLESS OTHERWISE PROHIBITED BY APPLICABLE LAW, AND SHALL NOT BE ENTITLED TO ANY OTHER DAMAGES, REGARDLESS OF THE CAUSE OF ACTION.
9.5. NOTHING IN THESE TERMS SHALL LIMIT OR EXCLUDE OUR LIABILITY FOR: (i) DEATH OR PERSONAL INJURY RESULTING FROM OUR WILLFUL MISCONDUCT; (ii) FRAUD OR FRAUDULENT MISREPRESENTATIONS; OR (iii) ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED BY APPLICABLE LAW.
9.6. Some countries and states do not allow the disclaimer of certain warranties or the limitation of certain damages, so some or all of the terms above may not apply to you, and you may have additional rights. In that case, these Terms only limit our responsibilities to the maximum extent permissible in your country or state of residence.
10. Dispute Resolution
10.1. We encourage you to contact gettingsL@aol.com to resolve any disputes informally. If a resolution cannot be reached within 60 days, either party may initiate binding arbitration through the American Arbitration Association (AAA). The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org. If your claim is for U.S. $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic or video-conference hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds U.S. $10,000, the right to a hearing will be determined by the AAA Rules. The arbitration will be conducted by a single, neutral arbitrator under the provider’s applicable rules. Unless otherwise agreed, it will take place in South Carolina, with remote participation allowed when appropriate. You and RiskCentrixagree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability, and scope of the terms of these Terms.
10.2. Exceptions. As limited exceptions to mandatory arbitration as set forth in this Section, the parties each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
10.3. Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules. If you or we prevail in arbitration, you or we will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.
10.4. Effect of Changes on Arbitration. RiskCentrix reserves the right to modify this Section 12 at any time upon 30 days’ written notice (email to suffice) to you. Any such modification shall be prospective and shall not affect previously filed claims. By continuing to use Website, you agree to and accept all terms and conditions of any modifications.
10.5. Class Action Waiver. YOU AND RiskCentrix AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if our Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims and may not otherwise preside over any form of a representative or class proceeding. If any of the specific provisions within this Section are found to be unenforceable, the remainder of this Section shall not be affected thereby and, to this extent, the provisions of this Section shall be deemed to be severable. If there is a final judicial determination that any particular claim (or a request for particular relief) cannot be arbitrated in accordance with this Section, then only that claim (or only that request for relief) may be brought in court. All other claims (or requests for relief) remain subject to this Section.
10.6. If arbitration is found to be unenforceable, disputes will be resolved in the state or federal courts of South Carolina, and both parties consent to their jurisdiction.
11. General Terms
11.1. Independent Contractors. These Terms do not create a partnership, joint venture, or agency relationship. Neither party may bind the other without prior written consent.
11.2. Intellectual Property Matters.
11.2.1. Use of Names and Trademarks. You may not use RiskCentrix’ or EZV Algorithm’s name, logo, associated graphics, logos, designs, page headers, button icons, scripts, trade dress service names or other trademarks (registered or unregistered) without prior written approval.
11.2.2. Copyright Complaints. If you believe your intellectual property rights have been infringed, you may submit a notice that meets the notice requirements under the Digital Millennium Copyright Act including:
· A physical or electronic signature of the copyright owner (or authorized agent),
· A description of the copyrighted work,
· A description of the infringing material and its location,
· Your contact information,
· A good-faith belief that the use is unauthorized, and
· A statement under penalty of perjury that the notice is accurate.
11.3. Federal Government Use. The Services are considered commercial computer software developed solely at private expense and are subject to applicable U.S. Federal Acquisition Regulations.
11.4. Assignment. You may not assign or transfer your rights or obligations under these Terms without prior written consent. RiskCentrix may assign or transfer these Terms in connection with a merger, acquisition, or corporate reorganization.
11.5. Changes to Terms. We may update these Terms by posting an amended version on our site. If changes materially impact your rights, we will notify you at least 30 days in advance via email or in-product notification. Continued use after the notice period constitutes acceptance.
11.6. Notices. All legal notices must be sent in writing. We may contact you using the email associated with your account. RiskCentrix accepts service of process at:
225 Good Hope Rd., Bluffton SC 29909
11.7. Waiver and Severability. Our failure to enforce any provision does not waive our right to do so later. If any term is deemed unenforceable, the remaining provisions remain in effect.
11.8. Export Compliance. The Services may not be used in or for the benefit of, exported, or re-exported (a) into any U.S. embargoed countries (collectively, the “Embargoed Countries”) or (b) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals, any other restricted party lists (existing now or in the future) identified by the Office of Foreign Asset Control, or the U.S. Department of Commerce Denied Persons List or Entity List, or any other restricted party lists (collectively, “Restricted Party Lists”). You agree to comply with all applicable export control laws and not use or distribute the Services in embargoed countries or to restricted individuals or entities. You represent and warrant that you are not located in any Embargoed Countries and not on any such restricted party lists. You must comply with all applicable laws related to Embargoed Countries or Restricted Party Lists, including any requirements or obligations to know your end users directly.
11.9. Equitable Relief. Any breach of these Terms may cause irreparable harm. RiskCentrix may seek injunctive or other equitable relief, in addition to legal remedies, without the need to post bond or prove actual damages.
11.10. Force Majeure. Dashboards are provided on a best-efforts basis and will be subject to occasional interruption for technical or other reasons. RiskCentrix is not liable for delays or failure to perform due to transient interruptions or events beyond our reasonable control, including but not limited to natural disasters, pandemics, war, terrorism, cyberattacks, utility failures, or government actions.
11.11. Entire Agreement. These Terms, together with any incorporated policies, constitute the complete agreement between you and RiskCentrix regarding the Services and supersede all prior understandings or agreements.
11.12. Survival. Certain provisions of these Terms that, by their nature, should survive termination will remain in effect. These include, but are not limited to, obligations related to confidentiality, data protection, indemnification, limitation of liability, and dispute resolution.
11.13. Governing Language. These Terms are provided in English. In the event of a discrepancy between translations, the English version will prevail.
11.14. Governing Law and Venue. These Terms are governed by the laws of the State of South Carolina, excluding its conflict of law principles. Except as provided under the Dispute Resolution section, any legal action must be brought in the courts located in Bluffton, South Carolina.
