Terms of use

Last updated: 2026-05-02

Acceptance

By creating an account or being added to a group on RiskMap, you agree to these terms. If you don't, don't use the service.

What RiskMap is

RiskMap is a screening tool for physical climate hazards (heat, cold, drought, flood, wildfire, wind, landslide) at the level of individual property addresses across Europe. It returns a class (1–10) per hazard per scenario based on publicly-available climate data.

What it isn't

RiskMap is not:

  • a substitute for a professional flood / wildfire / structural risk assessment.
  • an insurance product, a financial advice service, or an authoritative regulatory disclosure.
  • precise at the building level — the underlying climate data is on a 5 arc-minute (~9 km) grid for most layers, with some layers (national flood overlays) at higher resolution.

Decisions with material consequences (loan underwriting, building permit, insurance pricing) must be backed by qualified professional assessment. We make no warranty as to fitness for any specific purpose.

Acceptable use

  • Use the service for screening + research; share results with clients + colleagues.
  • Don't scrape the API at rates higher than the published rate-limits ([REVIEW: spell out per-IP / per-account caps]).
  • Don't reverse-engineer the underlying raster data for resale. The hazard data we ship is derived from publicly-available sources (WorldClim, IPCC AR6, national flood agencies); the derivation is the value-add we license to you.

Account suspension

We may suspend an account that abuses the service (sustained rate-limit violations, attempts to circumvent auth, or reverse-engineering the data layer). We'll explain why and give you a chance to remediate before permanent termination, except where the abuse is severe (security exploitation).

Liability

[REVIEW: insert liability cap clause appropriate to your jurisdiction. Typical for SaaS: liability capped at fees paid in the previous 12 months; consequential damages excluded.]

Governing law

[REVIEW: typically the country of the operating entity. For an EU customer base, exclusive jurisdiction in the operator's home country, with mandatory consumer-rights carve-outs preserved.]

Changes

We'll notify registered users by email at least 30 days before material changes take effect.