Terms of Service

The agreement

These Terms of Service (the "Terms") form a binding agreement between you (an individual user, or the organisation you represent) and Criora, the entity that operates the Criora platform, mobile and web applications, APIs, and related services (collectively the "Service"). Where these Terms refer to "we", "us" or "our", they refer to Criora as that organisation.

By creating an account, accessing the Service, or using any output produced by the Service, you confirm that you have read, understood and accepted these Terms. If you do not accept them, do not use the Service.

What Criora provides

The Service offers climate-risk intelligence: site-level scoring, geospatial layers, environmental indicators and reports derived from satellite observations, climate reanalyses, public datasets and modelled outputs. Outputs are produced for informational and decision-support purposes only.

We continuously improve methodologies, datasets and underlying models. Results, scores and layer values may change between assessments without notice. Historical exports remain available where indicated, but we make no commitment that any specific dataset, layer or model version will remain available indefinitely.

Eligibility & accounts

You must be at least sixteen (16) years old, or the age of digital consent in your jurisdiction, whichever is higher. Where you accept these Terms on behalf of an organisation, you represent that you have authority to bind that organisation.

Account security

We do not use passwords. Sign-in is verified via single-use, time-bound codes sent to your registered email or via Google OAuth. You are responsible for keeping your email account and any connected identity provider secure, and for all activity under your account. Review the sign-in history in your profile and notify us promptly at [email protected] of any suspected unauthorised access.

Sanctions & trade restrictions

You may not use the Service if you are located in, or are a national or resident of, a country subject to a comprehensive embargo under EU, UK, UN or US trade sanctions, or if you appear on a denied-party or sanctioned-persons list.

Subscriptions & billing

Paid plans are billed in advance on a recurring basis according to the plan you select. Fees are stated exclusive of applicable taxes, which we add at checkout where required.

• Subscriptions renew automatically until you cancel.
• You may cancel at any time; cancellation takes effect at the end of the current billing period.
• Except where required by law, fees already paid are non-refundable.
• We may change pricing for future renewal periods on at least thirty (30) days' notice.

Trials and free tiers

Free or trial access may be limited in scope, throughput, retention or duration, and may be modified or withdrawn at our discretion. Free tier usage is provided "as is" without any service-level commitment.

Acceptable use

You agree not to, and not to permit any third party to:

• scrape, crawl, mirror or systematically extract data from the Service except via documented APIs and within published rate limits;
• reverse-engineer, decompile, or attempt to derive source code, model weights, or training data of the Service;
• use the Service to build a competing product, training corpus, or derived model;
• upload content that is unlawful, infringes third-party rights, or contains malware;
• misrepresent Criora outputs as audited financial, insurance, legal or regulatory advice;
• circumvent access controls, sharing limits, or seat-based licence terms;
• use the Service in any way that violates applicable export, sanctions, anti-bribery, anti-money-laundering, or data-protection law.

We may, at our sole discretion, throttle, suspend or terminate access where we have a reasonable basis to suspect abuse or breach of this section.

Intellectual property

Criora, its name, logo, the Service, all underlying software, algorithms, models, methodologies, processed datasets, scoring rubrics, documentation and the visual identity are owned by Criora or licensed to us, and are protected by copyright, database rights, trademark and other intellectual-property laws.

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your internal business purposes during your active subscription term.

Third-party data

The Service incorporates data from third-party sources (including but not limited to Copernicus, ECMWF/ERA5, NASA, USGS, Aqueduct, IPCC AR6 and other public providers). Such data is subject to the licences and attribution requirements of its originators, and you agree to comply with those terms when redistributing derived outputs.

Your content & data

You retain all rights in the content you upload, including locations, project metadata, notes and uploaded files (collectively, "Customer Content"). You grant Criora a worldwide, royalty-free licence to host, copy, transmit, process and display Customer Content solely as necessary to provide the Service to you.

We may use aggregated, anonymised and de-identified usage data to operate, secure, audit and improve the Service. We will not sell Customer Content, and we do not use Customer Content to train third-party generative models.

Personal data is processed under our Privacy Policy, which forms part of these Terms.

Disclaimer of warranties

We do not warrant that the Service will be uninterrupted, error-free, secure against every threat, or that defects will be corrected within any specific timeframe. Some jurisdictions do not allow the exclusion of certain warranties; in such cases the exclusions in this section apply only to the extent permitted by law.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CRIORA AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS AND LICENSORS WILL NOT BE LIABLE FOR:

• any indirect, incidental, special, consequential, exemplary or punitive damages;
• loss of profits, revenue, business, goodwill, anticipated savings or contracts;
• loss, corruption or inaccuracy of data or content;
• loss arising from interruption, delay, downtime, security incident or third-party act;
• damages arising from reliance on Service outputs in financial, insurance, legal, regulatory, safety, navigation, life-safety or other high-stakes contexts.

Nothing in these Terms limits liability for fraud, fraudulent misrepresentation, gross negligence, wilful misconduct, death or personal injury caused by negligence, or any liability that cannot be limited or excluded under applicable law (including, where applicable, mandatory consumer-protection rights).

Indemnification

You agree to defend, indemnify and hold Criora and its affiliates harmless from any claim, loss, liability, damage or expense (including reasonable legal fees) arising from (i) your use of the Service in breach of these Terms, (ii) Customer Content you upload or transmit, (iii) your violation of any applicable law, or (iv) your infringement of any third-party right.

Regulatory compliance

Criora is designed and operated to align with the data-protection and digital-services regulations applicable to a global SaaS provider, including:

• Regulation (EU) 2016/679 (GDPR) and the EU Member State implementing acts;
• the United Kingdom UK GDPR and Data Protection Act 2018;
• the Swiss Federal Act on Data Protection (FADP, revised 2023);
• the California Consumer Privacy Act and California Privacy Rights Act (CCPA / CPRA);
• the Brazilian Lei Geral de Proteção de Dados (LGPD);
• Canada's PIPEDA and applicable provincial privacy legislation;
• the EU Digital Services Act (DSA) and ePrivacy Directive 2002/58/EC, as transposed nationally;
• the EU Artificial Intelligence Act (AI Act): Criora's outputs are explicitly classified by us as decision-support, not autonomous decision-making; you remain responsible for any final decision.

Compliance with these frameworks does not relieve you of your own obligations as a data controller, regulated entity or fiduciary. You are responsible for assessing whether the Service is appropriate for your specific regulatory context (for example: TCFD, ISSB, ESRS, SFDR, EU Taxonomy, CSRD, SEC climate-disclosure rules) and for any disclosures you make to regulators based on Service outputs.

Suspension & termination

You may terminate by closing your account or cancelling your subscription at any time. We may suspend or terminate access immediately if you materially breach these Terms, if your use poses a security or legal risk, or where required by law. On termination the licences granted to you cease, and we may delete Customer Content after a reasonable retention window described in the Privacy Policy. Sections that by their nature should survive termination , including 6 to 11, 13 and 15, survive.

Governing law & disputes

These Terms are governed by the laws of the Federal Republic of Germany, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods. The exclusive forum for disputes is the competent courts of Germany, except that consumers may also bring proceedings in the courts of the EU Member State in which they reside, where required by law.

Before initiating formal proceedings, both parties will attempt to resolve disputes in good faith for at least sixty (60) days following written notice. EU consumers may submit disputes to the Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

Changes to these terms

We may update these Terms to reflect changes in law, the Service or our business. Material changes will be communicated by email or in-product notice at least thirty (30) days before they take effect. Continued use after the effective date constitutes acceptance. If you do not accept a change, your remedy is to stop using the Service and cancel your subscription.

Contact

Questions, complaints, privacy requests and security disclosures should be sent to [email protected].