Terms of Service

GridHazard is a registered assumed (d/b/a) name of Khan Strategic Ventures LLC, an Illinois limited liability company. References to "GridHazard," "we," "us," or "our" in these Terms of Service mean Khan Strategic Ventures LLC.

1. Acceptance of Terms

By accessing or using GridHazard, including its website, API, and any reports or data generated by the platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the service.

These terms apply to all users, including consumers who purchase individual property reports, businesses accessing the API, and any third parties acting on behalf of those users.

2. Description of Service

GridHazard provides property hazard data and risk intelligence reports. Reports are generated from publicly available federal data sources including FEMA, NOAA, USGS, EPA, CAL FIRE, USDA, and others. The service is available via web interface and API.

GridHazard does not provide insurance, underwriting, brokerage, or advisory services of any kind.

3. Not Insurance Advice

Specifically:

• GridHazard is not a licensed insurance agent, broker, advisor, or adjuster in any jurisdiction.
• The identification of a potential coverage gap or risk factor does not guarantee that a specific insurance product exists, is available in your area, or would be financially advantageous for your circumstances.
• The absence of a flagged risk does not guarantee that a property is free from hazards or that your existing coverage is adequate.
• Report findings should not be used as the sole basis for any insurance decision.

All coverage decisions should be made in consultation with a licensed insurance professional who can review your specific policy, financial circumstances, and individual needs.

4. Data Accuracy and Limitations

Reports are generated from publicly available federal data sources. You acknowledge and agree that:

• Federal data sources may contain errors, omissions, or information that is not current at the time of your report.
• Federal sources update on their own schedules — GridHazard does not control or guarantee that any data reflects real-time or current conditions.
• Reports are based on geospatial data analysis and do not reflect a physical inspection of any property.
• Reports do not assess the condition, construction quality, maintenance, or physical characteristics of any structure.
• GridHazard makes reasonable efforts to maintain current, accurate data but does not warrant the completeness, accuracy, or timeliness of any information in any report.

5. Limitation of Liability

To the maximum extent permitted by applicable law:

• GridHazard, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages. This includes, but is not limited to, loss of profits, data, goodwill, or other intangible losses resulting from your use of, inability to use, or reliance on any report, data, or information provided by GridHazard.
• Reports and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.
• GridHazard's total aggregate liability to you for any and all claims arising out of or related to these terms or the service — whether in contract, tort (including negligence), strict liability, or otherwise — shall not exceed the total amount you actually paid to GridHazard for the specific report or service giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. In such jurisdictions, GridHazard's liability shall be limited to the maximum extent permitted by law.

6. Indemnification

You agree to indemnify, defend, and hold harmless GridHazard, its parent companies, subsidiaries, affiliates, and their respective founders, officers, directors, employees, contractors, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including, but not limited to, reasonable attorneys' fees and court costs) arising out of or in any way connected with:

• Your access to, use of, or misuse of the service or reports.
• Your reliance on, or decisions made based upon, any report, data, or information obtained through GridHazard.
• Your violation of these terms, any applicable law, regulation, or the rights of any third party.

GridHazard reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with GridHazard in asserting any available defenses.

7. Intellectual Property

All reports, data compilations, scoring methodologies, proprietary indices, algorithms, site content, text, graphics, logos, and software are the exclusive property of GridHazard or its licensors and are protected by copyright, trademark, and other intellectual property laws. Nothing in these terms grants you any ownership, license, or rights in GridHazard's intellectual property except as expressly stated herein.

Subject to your strict compliance with these terms, GridHazard grants you a limited, non-exclusive, non-transferable, revocable license to use reports solely for your personal or internal business purposes.

Prohibited Uses:

• You shall not resell, redistribute, scrape, extract, republish, sublicense, or commercially exploit reports or GridHazard data to any third party without prior explicit written permission from GridHazard.
• You shall not use any data mining, robots, or similar data gathering and extraction tools on the service.
• The GridHazard name, logo, trade dress, and brand marks are trademarks of Khan Strategic Ventures LLC, d/b/a GridHazard. You may not use them in connection with any product or service without prior written permission.

8. Payment Terms

Consumer property reports are priced as displayed on the site at the time of purchase. API and enterprise subscription pricing is as specified in your applicable service agreement.

• All payments are processed by a secure third-party payment processor. Your card and payment data are handled directly by that provider in accordance with its own terms of service and industry-standard security certifications.
• Refunds are available within 7 days of purchase if the report contains a material data error attributable to GridHazard. To request a refund, contact [email protected] (opens email application) with your order details.
• GridHazard does not issue refunds for reports that were generated correctly based on available federal data, regardless of whether the findings match your expectations.

9. Account Termination

GridHazard may suspend or terminate your access to the service at any time, with or without notice, for conduct that violates these terms or is otherwise harmful to GridHazard, other users, or third parties.

You may close your account at any time by contacting [email protected] (opens email application). Closing your account does not entitle you to a refund for previously purchased reports.

10. Governing Law and Disputes

These terms are governed by and construed in accordance with the laws of the State of Illinois, without regard to conflict of law principles.

Binding arbitration: Any dispute arising from or relating to these terms or the service shall be resolved through binding arbitration under the rules of the American Arbitration Association (AAA), rather than in court.

Class action waiver: You agree to resolve any disputes with GridHazard individually and not as part of a class action, class arbitration, or representative proceeding.

11. Changes to Terms

GridHazard may modify these Terms of Service at any time. Material changes will be communicated via email to registered users or via a prominent notice on the site.

Your continued use of GridHazard after updated terms are posted constitutes your acceptance of the updated terms.

12. Contact

For legal questions or notices, contact Khan Strategic Ventures LLC, d/b/a GridHazard, at [email protected] (opens email application).