Terms of Use

The IMO RISK service at imorisk.com (the “Service”) is operated by Pavel Havlíček, a sole trader (natural person doing business) registered in the Czech Trade Register, company ID (IČO) 07501668, with registered address Záhřebská 562/41, Vinohrady, 120 00 Praha 2, Czech Republic (“we”, “us”). We are registered for VAT in the Czech Republic.

Contact: pa.havlicek@gmail.com.

These Terms govern your use of the website and the Service. By creating an account (signing in) or purchasing a plan or query pack, you agree to these Terms and confirm you have read our Privacy Policy.

The Service is designed for professional use by marine insurance underwriters, brokers and similar businesses. If you use it as a consumer (a natural person acting outside your trade or profession), the mandatory consumer protections of the law applicable to you continue to apply, and sections marked “consumers” apply to you in addition.

You must be at least 18 years old to use the Service.

The Service uses automated tools, including large language models, to search and summarise publicly available information about vessels, and screens vessels and companies against sanctions and detention lists that we download from their official publishers. It produces vessel identification results and vessel dossiers with source links (“Outputs”).

• AI-compiled, may be wrong. Outputs are generated automatically from third-party sources. They may be incomplete, out of date or inaccurate, and sources themselves may be wrong. Absence of information is not evidence that a risk does not exist.
• Not advice. Outputs are research aids. They are not underwriting, legal, sanctions-compliance, financial or other professional advice, and contain no recommendation to accept or decline any risk. You remain solely responsible for your decisions and for your own compliance obligations, including sanctions screening required of you by law.
• Verify before relying. You should check material facts against the linked primary sources before relying on them.
• Sanctions screening is limited. Screening matches IMO numbers and exact normalised names against cached copies of the lists named on the website; it does not perform fuzzy, alias or ownership-chain matching, and lists may change after the stated refresh time.

You sign in with a Google account. You are responsible for activity under your account and for keeping your Google account secure. Accounts are personal; do not share them or let others use your quota. Tell us promptly at pa.havlicek@gmail.com if you suspect unauthorised use.

You may stop using the Service at any time and ask us to delete your account. We may suspend or close an account that breaches these Terms or poses a security or legal risk; where reasonable we will tell you first and refund any unused prepaid query packs unless the closure results from your serious breach.

• Query. One vessel identification (plain-text search) or one full IMO assessment. Opening a dossier from your history does not use a query. A request that is served from a recent stored dossier still counts as a query.
• Daily allowance. Free accounts receive 3 queries per day; Plus subscribers receive 15 per day. The allowance resets at 00:00 UTC and unused daily queries do not carry over.
• Query packs. A pack adds 5 queries for USD 4. Pack queries are used only after the daily allowance is exhausted and do not expire while the Service is operated. If we discontinue the Service, we will refund unused pack queries pro rata.
• Plus. USD 40 per month, billed in advance and renewing automatically each month until cancelled. You can cancel anytime in Plan & billing; Plus then remains active until the end of the paid period and is not renewed. We do not refund partial months except as required by law (see consumer withdrawal below).
• Enterprise. Volumes, features (such as fleet research) and pricing are agreed individually in writing and prevail over these Terms where they differ.
• Prices and taxes. Prices are in US dollars and include VAT where VAT applies. An invoice is issued for each payment.
• Payment processing. Payments are processed by Stripe. We do not receive or store your full card details.
• Queries that cannot run. If a query cannot be carried out because our research service is unavailable, it is not charged and the query is returned to your balance.
• Price changes. We may change prices for future purchases. For Plus, we will tell you at least 30 days before a price change takes effect; you may cancel before it applies.

If you are a consumer in the EU, you generally have the right to withdraw from a distance contract within 14 days without giving a reason. Because the Service is digital and supplied immediately, the following applies:

• Query packs are digital content supplied immediately. At checkout you expressly request immediate supply and acknowledge that you lose your right of withdrawal once the pack is credited to your account. Unused pack queries may still be refunded on request within 14 days of purchase as a goodwill gesture.
• Plus is a digital service. At checkout you expressly request that it start immediately. If you withdraw within 14 days, you will be refunded the price minus a proportionate amount for the period already provided.

To withdraw, send a clear statement to pa.havlicek@gmail.com (you may use the EU model withdrawal form, but you do not have to). We will refund within 14 days using the original payment method.

You must not:

• use the Service unlawfully, including to evade sanctions or to facilitate any sanctioned activity;
• access the Service by automated means (bots, scripts, scraping) or try to circumvent quotas, payment or security controls;
• reverse-engineer, overload or interfere with the Service or its providers;
• resell the Service, or publish or redistribute Outputs in bulk or as a competing data product;
• submit content you have no right to submit, or content intended to manipulate the Service’s AI components (prompt injection).

You may use Outputs within your organisation for your business purposes, including keeping them on file as part of your underwriting records and sharing them with clients and counterparties in the ordinary course of business.

We own the Service, its software and design. Linked sources and the facts and texts they contain remain the property of their respective owners; Outputs contain short summaries and links, not reproductions of full third-party works. Sanctions and detention data come from their official publishers under their own terms.

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. Individual data sources may be unavailable; dossiers then state which sections are affected. We may improve, change or discontinue features; if we make a change that materially reduces a paid feature, we will notify you and you may cancel.

To the maximum extent permitted by law, we are not liable for loss arising from decisions made on the basis of Outputs, for inaccuracies in third-party sources, or for indirect or consequential loss, lost profit, lost business or loss of data. Our total liability in connection with the Service in any 12-month period is limited to the amount you paid us in that period (or USD 100 if you paid nothing).

Nothing in these Terms limits liability that cannot be limited by law, including liability for harm caused intentionally or through gross negligence, for injury to a person’s life, health or other natural rights, or rights consumers have under mandatory law.

Please send complaints to pa.havlicek@gmail.com. We will confirm receipt and respond without undue delay, normally within 30 days.

Consumers may also refer a dispute that we could not resolve together to the out-of-court dispute resolution body: Česká obchodní inspekce (Czech Trade Inspection Authority), ADR department, Gorazdova 1969/24, 120 00 Praha 2, Czech Republic, e-mail adr@coi.gov.cz, https://coi.gov.cz/informace-o-adr/.

These Terms are governed by the laws of the Czech Republic, in particular Act No. 89/2012 Coll., the Civil Code. The courts of the Czech Republic have jurisdiction; consumers may also bring proceedings in the courts of their country of residence and keep the protection of its mandatory laws.

We may update these Terms. For material changes we will notify registered users by e-mail or in the app at least 14 days before they take effect; if you do not agree, you may close your account (and cancel Plus) before the change applies. The version in force is always published at this address.