Pnavigator

Terms of Service

Last Updated: August 7, 2024

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the Pnavigator executive risk intelligence platform ("Platform") provided by Pnavigator ("Company," "we," "our," or "us"). By accessing or using our Platform, you ("Executive User," "you," or "your") agree to be bound by these Terms.

Our Platform is designed exclusively for executive leadership teams and requires invitation-only access. These Terms reflect the unique requirements and responsibilities associated with executive-level risk intelligence services.

Platform Access and Eligibility

Invitation-Only Access

Access to the Pnavigator Platform is by invitation only and limited to verified executive leadership teams. You must:

  • Hold a C-suite or senior executive position within your organization
  • Receive a formal invitation from Pnavigator or an authorized partner
  • Complete our executive verification and onboarding process
  • Maintain active executive status throughout your use of the Platform
  • Provide accurate and current professional credentials
  • Comply with your organization's data governance policies
  • Meet minimum revenue or asset thresholds as specified
  • Demonstrate legitimate business need for risk intelligence services
  • Agree to periodic re-verification of executive status

Account Responsibilities

As an Executive User, you are responsible for:

  • Maintaining the confidentiality of your account credentials
  • Ensuring all account information remains accurate and current
  • Promptly notifying us of any unauthorized access or security breaches
  • Complying with your organization's data governance and security policies
  • Supervising access by authorized team members
  • Implementing appropriate internal controls and procedures
  • Reporting suspected fraud or misuse immediately
  • Maintaining adequate insurance coverage for cyber risks
  • Ensuring compliance with applicable laws and regulations
  • Protecting confidential information shared through the Platform

Platform Services and Features

Risk Intelligence Services

The Platform provides executive leadership teams with:

  • Real-time operational KPI monitoring and analysis
  • Market trend signals and competitive intelligence
  • Regulatory compliance tracking and impact assessment
  • Predictive risk modeling and mitigation recommendations
  • Customized executive dashboards and reporting
  • Crisis management and emergency response protocols
  • Financial impact modeling and scenario analysis
  • Third-party vendor risk assessment and monitoring
  • Board reporting and governance documentation
  • Industry benchmarking and peer comparison
  • Automated alerting and notification systems

Service Availability

We strive to maintain 99.9% platform availability, with:

  • 24/7 system monitoring and support
  • Scheduled maintenance during off-peak hours
  • Immediate notification of any service disruptions
  • Rapid response and resolution procedures
  • Redundant systems and failover capabilities
  • Regular backup and disaster recovery testing
  • Performance monitoring and optimization
  • Capacity planning and scalability management

Data Usage and Privacy

Your Data Rights

You retain ownership of all executive and organizational data you provide to the Platform. We serve as a secure processor of your data to deliver risk intelligence services.

Data Security

We implement enterprise-grade security measures including:

  • End-to-end encryption for all data transmission and storage
  • Multi-factor authentication and access controls
  • Regular security audits and compliance certifications
  • Isolated environments for each executive organization
  • Advanced threat detection and response systems
  • Secure key management and cryptographic protocols
  • Data loss prevention and monitoring systems
  • Regular penetration testing and vulnerability assessments
  • Employee security training and background checks
  • Physical security controls for data centers

Data Usage Limitations

We use your data solely to:

  • Provide the risk intelligence services you've requested
  • Improve our machine learning algorithms and platform capabilities
  • Ensure platform security and prevent unauthorized access
  • Comply with legal and regulatory requirements
  • Provide technical support and customer service
  • Generate anonymized industry benchmarks and insights
  • Conduct research and development activities

Acceptable Use Policy

Permitted Uses

The Platform is designed for legitimate executive decision-making and risk management activities. You may use the Platform to:

  • Monitor and analyze operational performance and risks
  • Access market intelligence and regulatory updates
  • Generate strategic insights and recommendations
  • Collaborate with your executive team on risk mitigation
  • Prepare board reports and governance documentation
  • Conduct scenario planning and stress testing
  • Manage crisis response and business continuity
  • Benchmark performance against industry peers
  • Support merger and acquisition due diligence

Prohibited Activities

You may not use the Platform to:

  • Share access credentials with non-executive personnel
  • Attempt to reverse engineer or compromise platform security
  • Use the service for illegal or unauthorized purposes
  • Interfere with other users' access or platform operations
  • Extract or redistribute platform data without authorization
  • Violate any applicable laws, regulations, or industry standards
  • Engage in market manipulation or insider trading
  • Compromise the confidentiality of other users' data
  • Use automated tools to access or scrape platform content
  • Transmit malware, viruses, or other harmful code
  • Impersonate other users or provide false information

Service Terms and Limitations

Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the Platform with reasonable notice to Executive Users. We will make commercially reasonable efforts to minimize disruption to your operations.

Limitation of Liability

While we strive to provide accurate and timely risk intelligence, the Platform is provided "as is" without warranties. Executive Users acknowledge that:

  • Risk intelligence is inherently predictive and subject to uncertainty
  • Final strategic decisions remain the responsibility of executive leadership
  • We are not liable for business decisions made based on Platform insights
  • Our liability is limited to the fees paid for Platform services
  • Force majeure events may impact service availability
  • Third-party data sources may contain errors or omissions
  • Market conditions can change rapidly and unpredictably
  • Regulatory requirements may vary by jurisdiction

Indemnification

Executive Users agree to indemnify Pnavigator against claims arising from misuse of the Platform or violation of these Terms.

Account Termination

Termination by Executive User

You may terminate your Platform access at any time by contacting our Executive Support team. Upon termination:

  • Your access to the Platform will be immediately suspended
  • Your data will be securely deleted within 30 days unless otherwise requested
  • You may request data export in standard formats before deletion
  • Outstanding fees and obligations remain due and payable
  • Confidentiality obligations continue beyond termination
  • Audit and compliance records may be retained as required by law

Termination by Pnavigator

We may terminate access for violations of these Terms, security concerns, or if you no longer meet executive eligibility requirements. We will provide reasonable notice except in cases of serious security violations.

Contact Information

For questions about these Terms of Service, please contact:

Executive Legal Team
Email: legal@pnavigator.com
Phone: +1 (248) 639-5704
Address: 1642 W Lunt Ave, Chicago, IL 60626, USA

These Terms may be updated periodically. Material changes will be communicated to Executive Users through the Platform and via email with at least 30 days' notice.