Terms of Service

Last updated: September 10, 2026

These Terms of Service (the “Terms”) are a contract between you and the operator of portfolioriskhub.com (“PRH,” “we,” “us”), doing business as Portfolio Risk Hub and forming Portfolio Risk Hub, LLC under Mississippi law. They govern access to portfolioriskhub.com, related preview or production apps, and our software (together, the “Service”). Concierge onboarding, if you buy it, is also governed by a short services agreement. If that agreement conflicts with these Terms on the concierge work, that agreement controls for that work.

Entity status. Portfolio Risk Hub, LLC is in formation and has not yet received an effective Certificate of Formation from the Mississippi Secretary of State. Until formation is effective, these terms bind the operator of the Service. When formation is effective, Portfolio Risk Hub, LLC becomes the contracting party under these Terms without a new click-accept, unless we post a material update.

By creating an account, clicking accept, paying, or using the Service, you agree to these Terms. If you use the Service for a housing authority, firm, or other organization, you represent that you can bind it, and “you” / “Customer” means that organization.

Do not use the Service until you have the right to upload the files you provide. Do not upload another party’s confidential insurance files unless they authorized it.

1. What the Service is — and is not

The Service is software for organizing, storing, and displaying information about insurance programs, schedules of values, documents, and related worksheets (for example a Conversion Hub, Coverage Scenario Explorer, and board-style summaries). We may also provide concierge onboarding: we type or load information you give us into your workspace.

You may upload structured files (for example a CSV schedule) that update matching fields. Unstructured policy PDFs may be stored in the workspace. Loading those PDFs into coverage lines in this version is concierge onboarding or hand entry — storing a PDF is not automated extraction.

The Service is not insurance. We do not sell, solicit, or negotiate insurance. We are not your broker, agent, surplus-lines broker, or insurance consultant. Nothing in the Service is a coverage opinion, a recommendation to buy or cancel insurance, a claim determination, or a substitute for the policy. Policy language and your licensed advisors control.

The public Crescent Bend (or similar) sample hub is a demonstration. It is not your book of business and may use illustrative or sanitized data. Your real account is a separate workspace. Do not treat sample content as your coverage.

2. Eligibility and accounts

You must be 18 or older and able to contract. You are responsible for users you invite and for keeping credentials confidential. Workspace data is associated with your organization, not with an individual employee’s personal account, except as needed to log in.

We may refuse, suspend, or close an account if we believe these Terms were violated, if fees are unpaid, or if we are legally required to.

3. Customer content and data rights

Plain notice. You retain all rights you have in the files and information you provide to the Service (“Customer Content”). PRH does not claim ownership of those files or of “all uploaded data.” Carrier, broker, lender, and other third-party materials remain subject to their owners’ rights; you must have authorization to provide them (see Your representations below / Section 3.8). We use your identifiable workspace data to run the Service for you. Separately, we may create and commercialize only sufficiently aggregated and de-identified analytics and benchmarks — never a sale of your identifiable book, and never a commercial dataset of tenant or resident personal information. Sharing property-level detail with carriers (an Underwriting Network) is not part of the base Service and would require a separate opt-in if offered later.

“Customer Content” means files and information you or your users upload or that we load for you as concierge (policies, SOVs, program summaries, claims notes, board materials, and similar). That is your source book. PRH does not own all uploaded data.

3.1 Ownership

You retain all rights you have in Customer Content. PRH does not claim ownership of the files or information you provide. That statement does not transfer to you any third-party intellectual property in carrier, broker, lender, counsel, or other materials you upload; those rights stay with their owners. Your authorization to provide Customer Content is addressed in Your representations below.

3.2 Limited operational license

You grant PRH a limited license to host, process, display, and create derived workspace views of Customer Content to operate the Service for you, to maintain security and backups, and to comply with law.

3.3 Derived Data

Operating the Service produces Derived Data — structured extracts, indexes, workspace views, and analytics generated from Customer Content. You continue to retain all rights you have in Customer Content. PRH may use Derived Data as described in this section.

3.4 Aggregated and de-identified analytics

Separately from running your workspace, we may create, retain, and commercialize only sufficiently aggregated and de-identified analytics and benchmarks. That is not a sale of your identifiable book. We do not create or sell a commercial dataset of tenant or resident personal information.

3.5 Safeguards

Identifiable Customer Content is not a commercial product. Commercial Aggregated / De-identified Datasets are subject to these hard rules:

1. No re-identification. PRH will not attempt to re-identify, and will contractually require downstream recipients not to re-identify, individuals or Customers from the dataset.
2. No tenant / Fair Housing proxy commercial set. Commercial datasets will not include tenant or resident names, race, religion, disability, familial status, national origin, medical information, SSNs, tenant income, voucher identity, or similar protected-class or consumer proxies intended for underwriting people.
3. Claims stripping. Where claims history feeds Derived Data, PRH will reduce it to non-personal derived facts (for example cause category, incurred band, year, occupancy class) and will not commercialize claimant, employee, medical, attorney, narrative, or tenant detail.
4. Not a consumer report. The Service and any commercial analytics are not intended as consumer reports under the FCRA and must not be used to determine a natural person’s eligibility for credit, insurance, employment, or housing.
5. Suppression. PRH will use reasonable aggregation thresholds and cell suppression (thresholds to be set before any commercial launch) so small cohorts are not disclosed.
6. Downstream controls. Recipients of commercial Aggregated / De-identified Datasets must agree in writing to no re-identification, no use to contact your insureds from the dataset, and no use as a consumer report.

We will not give identifiable Customer Content to an insurance carrier, TPA, or broker unless you direct us to or you use a feature that does so.

3.6 Retention

When a workspace closes, we delete or de-identify source Customer Content from production systems as described in Section 13. We may retain sufficiently aggregated and de-identified Derived Data after source deletion.

3.7 Underwriting Network

Sharing property-level detail with carriers (an Underwriting Network) is not part of the base Service and is not enabled. If offered later, it would require a separate written opt-in. Accepting these Terms does not enroll you in an Underwriting Network.

3.8 Your representations

You represent that you have all rights needed to provide Customer Content, that providing it does not violate a confidentiality duty, employment duty, or law, and that it does not contain cardholder data or unnecessary Social Security numbers. Strip those before upload unless we have expressly agreed in writing to a different handling plan.

If you are a public agency, you are responsible for deciding what you may upload under your procurement, ethics, and public-records rules.

4. Our software and IP

PRH owns its software, interfaces, branding, documentation, PRH-created templates and other proprietary Service materials, subject to third-party rights. Trademarks “Portfolio Risk Hub” and related marks are owned by PRH or its licensors. We grant you a limited, non-exclusive, non-transferable right to use the Service during your subscription. You may not copy, scrape, reverse engineer (except to the extent the law allows), resell, or use the Service to build a competing product.

Feedback you give us may be used without obligation to you.

5. Acceptable use

You may not:

1. break the law;
2. probe or disrupt the Service;
3. share login credentials in a public place;
4. upload malware;
5. upload files you do not have the right to share;
6. use the Service to send unsolicited bulk email; or
7. represent PRH as your insurance broker or represent Service output as a coverage determination.

6. Fees, trials, and Stripe

Prices, if any, will be shown at checkout or in an order / services agreement. v1 pricing may be stated separately; these Terms do not set a dollar amount. Paid plans may use Stripe. You authorize us and Stripe to charge the payment method you provide. Taxes are extra if applicable.

Until we tell you that live payments are on, any checkout is test mode and does not create a paid production subscription.

Fees are non-refundable except where we cancel the Service for our convenience or where law requires a refund. We may change prices on notice for a later renewal term.

7. Confidentiality

Each party may receive non-public information of the other (“Confidential Information”). Identifiable Customer Content is your Confidential Information. Sufficiently aggregated and de-identified Derived Data is not Customer Content and is not your Confidential Information. Our non-public product plans and security details are ours. The receiving party will use Confidential Information only for the relationship and will not disclose it except to personnel and subprocessors who need it and are bound to protect it, or if required by law (with notice if legally allowed).

Public records. If you are a public agency subject to public-records law, you may disclose PRH materials to the extent that law requires. We may disclose Customer Content if a valid legal process requires it, and we will try to notify you unless legally prohibited.

8. Privacy and security

Our Privacy Policy explains how we collect and use personal information. Customer Content is stored using our hosting and database providers (currently Vercel for the app, Neon for the database of record, and private Vercel Blob for files). We use commercially reasonable safeguards. No method of storage is 100% secure. You should not treat the Service as a system of record for original executed policies unless you also keep your own copies.

v1 does not include automated AI document extraction. Until then, book loading is concierge, hand entry, and structured-file import. We will not use Customer Content to train general-purpose AI models. If optional AI is offered later, this Privacy Policy will be updated, the AI subprocessor will be named, and you can decline it.

9. Public-agency customers

If Customer is a housing authority or other government entity:

1. these Terms apply only to the extent permitted by the laws applicable to you;
2. we do not require you to indemnify us beyond what that law allows;
3. your sovereign immunity, if any, is not waived except to the extent a statute requires;
4. venue and claims procedures in your jurisdiction may apply to claims you bring or that are brought against you; claims we bring against a non-governmental user remain as in Section 14;
5. if a mandatory government rider or purchase order conflicts, that rider controls on the conflicting point and only for that customer.

10. Disclaimers

THE SERVICE AND CONCIERGE WORK ARE PROVIDED “AS IS.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE IS ERROR-FREE, UNINTERRUPTED, OR THAT WORKSPACE DATA IS COMPLETE OR MATCHES YOUR POLICIES. YOU ARE RESPONSIBLE FOR VERIFYING FIGURES, LIMITS, DEDUCTIBLES, NAMED INSUREDS, AND DATES AGAINST THE ACTUAL POLICY AND YOUR ADVISORS.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRH AND ITS MEMBER, OFFICERS, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST COVERAGE, UNINSURED LOSS, COST OF REPLACEMENT INSURANCE, OR DATA LOSS, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF THE SERVICE OR THESE TERMS IS LIMITED TO THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM, OR ONE HUNDRED U.S. DOLLARS (US $100) IF YOU HAVE PAID NOTHING.

THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED UNDER MISSISSIPPI LAW, OR TO OUR FRAUD OR WILLFUL MISCONDUCT.

12. Indemnity (non-government customers)

If you are not a government entity, you will defend and indemnify PRH against third-party claims arising from Customer Content, your misuse of the Service, or your claim that PRH is your broker or a licensed advisor, except to the extent caused by our willful misconduct.

13. Term and termination

These Terms last while you use the Service. You may stop using it and request workspace closure. We may terminate or suspend as in Section 2. Upon termination we will, on written request within 30 days, export Customer Content we still have in a reasonable electronic format, then delete or de-identify source Customer Content from production systems within a commercially reasonable period, except backups that cycle out and records we must keep by law. We may retain sufficiently aggregated and de-identified Derived Data as described in Sections 3.4–3.6. Section 1 (disclaimers of insurance status), 3.4–3.6 (Derived / Aggregate retention rights and commercial-dataset safeguards), 4, 7, 10–12, 14, and 15 survive.

14. Governing law

Mississippi law governs these Terms, without regard to conflicts rules. Except as Section 9 requires for a public agency, exclusive venue is the state or federal courts located in Mississippi, and you consent to that venue.

15. Miscellaneous

We may use subcontractors (including Vercel, Neon, Stripe, and Cloudflare) but remain responsible to you for the Service. You may not assign these Terms without our consent, except to a successor of your organization. We may assign to a successor of our business. If a provision is unenforceable, the rest remains. These Terms plus any services agreement and order are the entire agreement on the Service. We may update these Terms by posting a new version and changing the date above. Material changes will be notified by email or in-product notice where we have an address. Continued use after the effective date is acceptance, except that a public agency’s then-current written contract controls until it agrees to the new Terms.

16. Contact

Portfolio Risk Hub (Portfolio Risk Hub, LLC in formation)
legal@portfolioriskhub.com · hello@portfolioriskhub.com
Website: https://portfolioriskhub.com