Terms And Conditions

Introduction

These Terms and Conditions govern the use of the RSKRater web application (the “Application”), owned and operated by Marlene Miller Compliance Practitioners (MMCP).

By using the Application, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree, please do not use the Application.

Definitions

• Account - login credentials given to a User.
• Data - information uploaded, entered, or generated by the User.
• Subscription - the paid, time-bound license to access the Application.
• User / You - any individual who uses the Application, including Subscribers.

Information on the Application

While MMCPMarlene Miller Compliance Practitioners strives to keep information updated, no warranties are made regarding accuracy, completeness, or reliability of any content on the Application.

Intellectual Property

The Application, software, design, algorithms, documentation, and related materials are the exclusive property of MMCPMarlene Miller Compliance Practitioners.

Users receive a limited, non-exclusive, non-transferable license to use the Application for its intended purpose only.

You may not:

• Reproduce, distribute, or create derivative works without permission.
• Reverse engineer or attempt to access source code.
• Use the Application in ways that infringe intellectual property rights.

Unauthorized use may result in legal action.

External Links

Links provided within the Application are for convenience only. MMCPMarlene Miller Compliance Practitioners is not responsible for their content. Use them at your own risk.

Permitted Use

You agree to use the Application only for its intended purposes.

Access to Records and Data

User Responsibility

• Users are responsible for safeguarding their own records and keeping account credentials secure.
• MMCPMarlene Miller Compliance Practitioners is not liable for unauthorized access caused by User negligence.

During Risk Assessment

• To pause and continue working on open risk assessments, the draft assessments must be saved on the platform until completed and must then be submitted to enable the export of a file into safe storage and to create a reliable audit trail.
• Once submitted, an assessment report is generated and exported in PDF format and should be stored in your own system.
• To ensure a reliable audit trail, submitted assessments cannot be reopened again.

Completion & Export

• Users are strongly encouraged to store completed, submitted assessment reports on their own database.
• MMCPMarlene Miller Compliance Practitioners is not responsible for archiving exported files.

Valid Subscription

• While active, Users have full access to the Application and reporting dashboard.
• Misuse may result in suspension.

Expired Subscription

• After depletion of the subscriber’s credit, the Subscription will be deactivated.
• After deactivation, Users retain access to open assessments and historic Data for a period of 90 days.
• Beyond this period, the subscription is terminated, and access is blocked until the Subscription is renewed.

Post-Termination Retrieval

• Data may be retrieved up to 5 years post-termination, subject to a retrieval fee.

File Retention

• Client risk assessments and reports are retained for 5 years after termination of the Subscription, whereafter they may be permanently deleted.

Disclaimer of Liability

• The Application is provided “as is” and “as available”, on a “hosted access only” basis and is accessible solely via the internet through a web browser.
• MMCPMarlene Miller Compliance Practitioners does not guarantee uninterrupted service, error-free access, or complete security.
• All data submitted by the User to the Application shall be hosted on servers controlled by MMCPMarlene Miller Compliance Practitioners or its third-party service providers. MMCPMarlene Miller Compliance Practitioners shall implement reasonable security measures to protect such Data, but the User acknowledges that no Data transmission over the internet can be guaranteed to be completely secure.
• MMCPMarlene Miller Compliance Practitioners disclaims all liability for damages, losses, or expenses arising from use of the Application or unauthorised access to the User’s Data.

Governing Law

These Terms and Conditions are governed by laws of the Republic of Namibia. Continued use signifies acceptance of any updates.

Changes to These Terms

MMCPMarlene Miller Compliance Practitioners may update these Terms at any time. Updates take effect immediately once published. Users are responsible for reviewing them periodically.

Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at:

Acknowledgement and Acceptance

By using the Application, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. Last updated: 29 September 2025