Terms of Service

1. Parties and Agreement

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User”, “you”, “your”) and Rigor Enterprises, LLC, a Delaware limited liability company doing business as RigorRank (“RigorRank”, “we”, “us”, “our”), governing your access to and use of the RigorRank platform at rigorrank.com (the “Platform”).

By registering for an account, you represent that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into binding agreements; (c) the information you provide during registration is accurate and complete; and (d) you have read, understood, and agree to these Terms and our Privacy Policy.

2. Description of the Platform

RigorRank is a financial intelligence platform providing institutional-grade research, entity profiles, classification data, and community-sourced ratings on digital asset firms, regulators, jurisdictions, individuals, and related entities (collectively, “Entities”).

The Platform provides two categories of user-generated intelligence:

• Retail User Rankings (RUR): Aggregate ratings submitted by retail-tier users, accessible to users with an active paid subscription
• Institutional Intelligence Rankings (IIR): Aggregate ratings submitted by institutional-tier users, accessible to verified institutional-tier users

3. Account Registration

3.1 Registration Requirements

To access the Platform beyond the free tier, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorised use of your account at privacy@rigorrank.com
• Accept responsibility for all activity that occurs under your account

3.2 One Account Per Person

You may maintain only one account. Creating multiple accounts to circumvent view quotas, rating limits, or any other platform restriction is a material breach of these Terms and may result in immediate termination of all associated accounts.

3.3 Email Verification

Account activation requires email verification. Ratings and reviews submitted before verification are held in a staging queue for up to 24 hours. If email verification is not completed within 24 hours of registration, staged content will be discarded and your account will remain in an unverified state.

3.4 Account Security

You are responsible for maintaining the security of your account. RigorRank implements server-side session management, session expiry, and brute-force login protection. We are not liable for any loss or damage arising from your failure to maintain account security.

4. Subscription Plans and Billing

4.1 Plan Tiers

RigorRank offers the following access tiers. Current pricing for each plan is displayed on the Platform at the time of subscription and is subject to change with notice:

• Free / Unverified: Limited profile views per month. No access to RUR or IIR rankings
• Retail Subscription (Monthly or Annual): Expanded monthly profile view quota. Access to Retail User Rankings (RUR)
• Institutional Subscription (Monthly or Annual): Unlimited profile views. Access to both RUR and Institutional Intelligence Rankings (IIR). Requires account tier verification

4.2 Billing and Payment

Subscription fees are billed in advance on a monthly or annual basis, as selected at the time of subscription. All payments are processed by Stripe. By subscribing, you authorise Stripe to charge your payment method on a recurring basis. You represent that you are authorised to use the payment method provided and that the billing information you supply is accurate.

4.3 Auto-Renewal

Subscriptions renew automatically at the end of each billing period unless cancelled prior to the renewal date. You will receive advance notice of upcoming renewals. You may cancel auto-renewal at any time through your account settings.

4.4 Cancellation

You may cancel your subscription at any time. Upon cancellation, your subscription will remain active until the end of the current billing period. No refunds are issued for partial billing periods unless required by applicable law.

4.5 Refunds

Subscription fees are non-refundable except where required by applicable law. If you believe you have been charged in error, contact us at privacy@rigorrank.com within 30 days of the charge.

4.6 Failed Payments

If a payment fails, your subscription will enter a past-due state. Access to paid features may be suspended until payment is successfully processed. We will attempt to notify you via the email address on your account.

4.7 Price Changes

We reserve the right to change subscription pricing with at least 30 days advance notice. Price changes will not affect your current billing period. Your continued subscription after the effective date of a price change constitutes acceptance of the new pricing.

4.8 Profile View Quotas

Each subscription tier includes a monthly profile view quota. Quotas reset on the first day of each calendar month. Views are consumed atomically — partial views are not credited back. Unused quota does not carry over between months.

4A. Entity Listing Services

4A.1 Nature of the Service

The Entity Listing Service allows qualifying organizations (“Listing Applicants”) to submit their entity for inclusion in the RigorRank database. Submission of a listing application does not guarantee publication. RigorRank retains sole and absolute discretion to approve, reject, modify, or delay any listing at any time and for any reason.

4A.2 Independent Research

Upon submission, RigorRank conducts independent AI-assisted research on the Listing Applicant using publicly available sources. This research may include, without limitation: regulatory history, enforcement actions, legal proceedings, fines, sanctions, adverse findings, controversies, ownership information, and other publicly available information that RigorRank determines to be material to users of the platform. By submitting a listing application, the Listing Applicant expressly acknowledges and consents to this research process and to the publication of its results.

4A.3 No Editorial Control

The Listing Applicant has no editorial control over RigorRank’s research output, entity profile content, classifications, rankings, or any other content published by RigorRank. The listing fee does not entitle the Listing Applicant to approve, reject, modify, or suppress any content published by RigorRank about the Listing Applicant or any related entity.

4A.4 Pre-Publication Preview

Prior to publication, RigorRank will provide the Listing Applicant with a 72-hour preview of the AI research output (“Preview Period”). During the Preview Period, the Listing Applicant may submit factual correction requests accompanied by documentary evidence. RigorRank will review submitted evidence in good faith and correct verifiable factual errors at its sole discretion. The Preview Period is not an opportunity to suppress accurate information. Failure to respond within the Preview Period constitutes acceptance of the research output as presented. RigorRank may extend or waive the Preview Period at its discretion.

4A.5 Non-Refundable Setup Fee

The one-time setup fee is non-refundable once the AI research process has been initiated, regardless of whether the listing is ultimately published. If a listing application is rejected by RigorRank before research is initiated, a full refund will be issued. If rejected after research is initiated but before publication, a 50% refund will be issued. No refund is issued after publication.

4A.6 Persistence of Published Listings

Once published, a listing remains in the RigorRank database at RigorRank’s discretion regardless of the Listing Applicant’s subscription status. Cancellation of a seat subscription does not automatically remove a published listing. Removal of a published listing may be requested only on the grounds of verified factual inaccuracy, by submitting a written request to legal@rigorrank.com with supporting documentation. RigorRank is under no obligation to remove accurate information.

4A.7 Accuracy Representation

The Listing Applicant represents and warrants that all information submitted in the listing application, including but not limited to employee headcount, legal entity name, registration details, and classification selections, is accurate and complete to the best of their knowledge. Misrepresentation of any material fact, including headcount for pricing tier purposes, is a material breach of these Terms and may result in reclassification, additional charges, or removal of the listing without refund.

4A.8 Wire Payment — Institutional Tier

Listing Applicants selecting the Institutional tier may elect to pay the setup fee via wire transfer. Wire payment instructions will be provided upon selection of this option. Publication will not proceed until wire payment is confirmed by RigorRank. Wire payments are subject to the same refund policy as card payments under Section 4A.5.

5. User Content — Ratings and Reviews

5.1 Submission Standards

By submitting ratings or reviews, you represent that your submission reflects your genuine, independent assessment, you have a reasonable basis for it, and it does not contain false, misleading, defamatory, or fraudulent content.

5.2 Prohibited Conduct

The following are strictly prohibited and constitute grounds for immediate account termination:

• Submitting ratings on behalf of an entity you are employed by, have a financial interest in, or have been compensated to review
• Coordinating with others to artificially inflate or suppress ratings for any entity
• Creating multiple accounts to submit multiple ratings for the same entity
• Submitting content that is defamatory, harassing, threatening, or unlawful

5.3 Content Moderation

RigorRank reserves the right to review, moderate, withhold publication of, or remove any user-submitted content that violates these Terms or that we determine, in our sole discretion, to be harmful, misleading, or inappropriate. Moderation decisions are final.

5.4 Legal Disclosure Flag

RigorRank administrators may flag entities subject to active legal proceedings, regulatory actions, or irregular licensing situations. When flagged, a disclosure notice is displayed on the entity’s profile above any ranking information. The presence or absence of a flag does not constitute legal advice.

5.5 License to User Content

By submitting ratings or reviews, you grant Rigor Enterprises, LLC a perpetual, irrevocable, worldwide, royalty-free, non-exclusive licence to use, aggregate, anonymise, display, and incorporate your submitted content into the Platform’s ranking and analytics systems. You retain no intellectual property rights in the specific ratings data once submitted.

5.6 Anonymisation on Account Closure

Upon account closure, your submitted ratings and reviews are anonymised — your identity is disassociated from the records — but the underlying rating data is retained in aggregate form for platform integrity. This is necessary to prevent manipulation of historical ranking data.

6. Permitted Use and Restrictions

6.1 Permitted Use

Subject to these Terms and payment of applicable fees, RigorRank grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for your personal or internal business research purposes.

6.2 Prohibited Uses

• Scrape, crawl, or systematically extract data from the Platform by automated means without prior written authorisation
• Resell, sublicense, or redistribute Platform content or data to third parties
• Reverse engineer, decompile, or attempt to extract the source code of the Platform
• Use the Platform to train machine learning models or AI systems without prior written authorisation
• Attempt to circumvent any access controls, quotas, or security measures
• Use the Platform in any manner that violates applicable law

7. Intellectual Property

The Platform, including all entity profiles, classification frameworks, rankings, data, software, design, and content (excluding user-submitted ratings), is the exclusive property of Rigor Enterprises, LLC and is protected by applicable intellectual property laws.

Nothing in these Terms grants you any ownership interest in the Platform or its content. “RigorRank” and all associated logos and marks are trademarks of Rigor Enterprises, LLC. You may not use our trademarks without our prior written consent.

8. Disclaimer of Warranties

9. Limitation of Liability

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Rigor Enterprises, LLC and its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) your user-submitted content.

11. Termination

11.1 Termination by You

You may close your account at any time through your account settings or by contacting us at privacy@rigorrank.com. Closing your account cancels your subscription at the end of the current billing period.

11.2 Termination by RigorRank

We reserve the right to suspend or terminate your account immediately and without notice if we determine, in our sole discretion, that you have violated these Terms, engaged in fraudulent activity, or if your continued use poses a risk to the Platform or other users.

11.3 Effect of Termination

Upon termination, your right to access the Platform ceases immediately. Sections 5.5, 5.6, 7, 8, 9, 10, 12, and 13 survive termination of these Terms.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms shall first be subject to good-faith negotiation. If not resolved within 30 days, disputes shall be resolved by binding arbitration administered under the rules of the American Arbitration Association (AAA), conducted in English, seated in Delaware.

Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm. You agree that any claims must be brought in your individual capacity and not as part of any class or representative action.

13. Modifications to These Terms

We reserve the right to modify these Terms at any time. For material changes, we will notify you via email and prominent platform notice at least 14 days before the changes take effect. Your continued use of the Platform after the effective date constitutes acceptance of the modified Terms. If you do not agree to modified Terms, you must close your account before the effective date.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Rigor Enterprises, LLC regarding your use of the Platform.

14.2 Severability

If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision in the future.

14.4 Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations freely.

14.5 Force Majeure

We are not liable for any failure or delay in performance resulting from causes beyond our reasonable control.

15. Contact Us

For questions about these Terms of Service:

• Email: privacy@rigorrank.com
• Mail: Rigor Enterprises, LLC — dba RigorRank, [BUSINESS_ADDRESS — replace before go-live]