Enterprise Subscription Terms
These PRIA for Advisors Terms of Service (the “Terms”) are an agreement between PRIA Technologies, LLC, a Delaware limited liability company (“PRIA,” “we,” “us”), and the firm that accepts them (the “Firm,” “you”). They govern the Firm’s use of PRIA for Advisors, including client enrollment, branded Household Policy Reviews, quarterly updates, and updates when an enacted law changes a household’s dollars (together, the “Service”). By activating a firm, joining as a member, or using the Service, the person doing so confirms they are authorized to bind the Firm, and the Firm agrees to these Terms. The Privacy Policy is part of these Terms.
1. Definitions
“Household” means a distinct prospect or client household enrolled in the Service for analysis. Spouses, accounts, repeat documents, and staff users do not count as separate Households. “Staff” means the Firm’s employees and contractors the Firm authorizes to use the Service. “Firm Data” means data the Firm supplies to the Service, or a Household supplies through the Firm’s upload link, including tax returns, birth dates, and other Household facts. “Outputs” means the results the Service produces from Firm Data, including Household Policy Reviews, updates, calculations, comparisons, and explanations. “Enrolled Client” means a Household the Firm has added to its membership for a Household Policy Review and updates each quarter, and sooner when an enacted law changes that Household’s dollars.
2. What the Service is, and is not
The Service measures how government policy touches a Household’s finances under stated facts, stated law, and stated assumptions, and keeps the basis for each result. Every Output identifies the facts, the rule versions, the calculations, and the exclusions behind it, and says when an assessment is incomplete.
The Service does not provide investment, tax, legal, or financial advice, and it does not predict what any legislature, agency, court, or market will do. A scenario is a test of a stated change on a Household’s own facts, not a forecast. The Firm is solely responsible for the advice it gives, for the recommendations it makes, and for its own regulatory obligations. Nothing in the Service satisfies any duty the Firm owes to its clients or regulators on its own.
3. The free Household Policy Review
Anyone may build a Policy Review for a household at no charge and without an account. The report is research prepared by PRIA for the household described; it is not advice and creates no advisory relationship. Its private link opens the report to anyone who holds it.
4. Membership and billing
Membership is billed annually: $1,500 for up to 25 enrolled clients, $5,000 for up to 100, or $10,000 for up to 250. Staff access is included. Firms enrolling more than 250 clients contact PRIA for an agreement. The Firm chooses its tier and confirms any upgrade before payment. Adding a client within that tier does not change the bill.
The founding offer is 50% off the first year only, for the first 100 firms or purchases through November 30, 2026, Eastern time, whichever ends first. Membership renews annually at the regular tier price after the first year. Joining a waitlist does not reserve the discount. A returning firm that has already used the founding offer does not qualify again.
Each paid term covers twelve months. Cancellation stops the next renewal; access continues through the paid term. The Firm may cancel for a full refund within thirty days of the start of its annual term. Fees exclude applicable taxes. Stripe processes payments under its own terms; PRIA does not store card numbers.
5. Accounts and Staff
The Firm designates at least one administrator, controls which Staff have access and which Households receive its upload link, and is responsible for their use of the Service and for keeping sign-in credentials secure. The Firm will tell us promptly of any unauthorized access it discovers. We may suspend an account that threatens the security or integrity of the Service, and will tell the Firm why.
6. Firm Data and authority to process it
The Firm owns Firm Data. The Firm grants PRIA the right to process Firm Data to provide, secure, support, and improve the Service for the Firm, and for no other purpose. We do not sell Firm Data and do not use identifiable Firm Data to train models made available to other customers. The Firm confirms that it has the authority and any consents needed to supply Firm Data to us, including from the Households it describes, and that it will supply Firm Data lawfully. Where a Household supplies a tax return through the Firm’s upload link, the Firm remains responsible for the relationship with that Household.
The Service records the source and date of each fact it uses, shows conflicts between sources, and lets the Firm correct facts. Corrections create a new record; prior records are retained so that a past result can always be explained.
7. Our responsibilities for the work we supply
We accept defined responsibility for the Service, as follows.
- Defects in our work. If our extraction, calculation, rule handling, or promised supported coverage is defective, we will investigate promptly, identify the affected Outputs, correct them, tell the affected Firms what was affected and how, and provide the remedies in Section 11.
- Supplied facts. Where a supplied fact is wrong or out of date, we preserve its provenance, show its freshness and any conflict we detect, and make correction possible. Responsibility for the supplied fact itself stays with whoever supplied it; responsibility for our extraction of it, and for our handling of a contradiction we detected, stays with us.
- Missed rule interactions. If we discover that the Service missed an applicable rule or interaction, we will locate the affected Households and report versions, correct the mechanism, and tell the affected Firms the scope of the correction. A later “current” label does not erase what was delivered before it.
- Scoped statements. An Output that reports no finding will say which questions were assessed, on which facts, as of which date, and which areas were not assessed and why. If a required source is stale, a calculation failed, or a material fact is missing, the Output says the assessment is incomplete.
- Records. We keep the rule versions, facts, calculations, exclusions, and delivered reports identifiable while the Firm is a member and for the period in Section 13, so a past result can be reproduced and explained.
8. Security and incidents
We maintain administrative, technical, and physical safeguards appropriate to the sensitivity of Firm Data, including encryption of Household facts at rest and in transit, tenant isolation, access logging, and least-privilege access for our personnel. If we become aware of unauthorized access to Firm Data, we will notify the Firm without undue delay and in any case within seventy-two hours of confirming it, contain and investigate the incident, tell the Firm what we know as we learn it, and take the remediation steps the situation requires. The Firm is responsible for notices it owes its own clients and regulators.
9. Acceptable use
The Firm will not use the Service to violate law, to process data it has no right to process, to probe or disrupt the Service, to resell or provide the Service to third parties except as the Firm’s own client deliverable, or to build a competing product from our Outputs. The Firm will present Outputs to its clients accurately, including their stated limits, and will not represent an Output as a guarantee or as a regulator’s view.
10. Intellectual property and feedback
PRIA owns the Service, its methodology, its models, and its content, and grants the Firm a non-exclusive, non-transferable right to use them under these Terms. The Firm owns its Firm Data and may use Outputs in its own practice, including in deliverables to its clients, with the Service’s attributions and limits intact. Feedback the Firm gives us may be used without obligation.
11. Warranties, remedies, and limits
We warrant that the Service will perform materially as described in our documentation and that we will meet the responsibilities in Sections 7 and 8. If we do not, the Firm’s remedies are, in this order: correction of the affected Outputs and notice of their scope; if we cannot correct a material defect within thirty days of the Firm’s notice, a refund of the fees paid for the affected period; and, for a defect that materially defeats the purpose of the Service, termination with a pro-rated refund of prepaid fees.
Except as stated in this Section, the Service is provided as is, and we disclaim implied warranties, including merchantability and fitness for a particular purpose. We do not warrant that any law, policy, or market will or will not change, that any Output will produce a particular financial result for any Household, or that the Service will meet a particular regulatory standard for the Firm.
To the fullest extent permitted by law, neither party is liable to the other for indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenue, arising from these Terms. Except for the Excluded Claims, each party’s total liability arising from these Terms is limited to the fees the Firm paid or owed to PRIA in the twelve months before the event giving rise to the claim. For a party’s breach of Section 6 or Section 8, that limit is three times those fees. “Excluded Claims” means a party’s indemnification obligations in Section 12, a party’s gross negligence or willful misconduct, and the Firm’s payment obligations.
12. Indemnities
We will defend the Firm against a third-party claim that the Service, used as permitted, infringes that party’s intellectual property, and pay the resulting damages and costs finally awarded or agreed in settlement; we may modify or replace the Service, or terminate and refund prepaid fees, to resolve such a claim. The Firm will defend PRIA against a third-party claim arising from the Firm’s advice or recommendations to its clients, from Firm Data the Firm had no right to supply, or from the Firm’s use of the Service in breach of these Terms, and pay the resulting damages and costs. The indemnified party will give prompt notice, reasonable cooperation, and control of the defense to the indemnifying party.
13. Term, suspension, termination, and leaving
These Terms apply from activation until the Firm’s plan ends and the Firm’s data is deleted or returned. Either party may terminate for a material breach the other does not cure within thirty days of notice. For thirty days after a membership ends, the Firm keeps access to its client book and Outputs, and we will provide a copy of its Firm Data on request; after that we delete Firm Data within ninety days, except where a legal hold or law requires retention. Sections 6, 7 (as to past deliveries), 10, 11, 12, 14, and 15 survive.
14. Changes
We may update these Terms. We will give the Firm at least thirty days’ notice of a material change by email to the administrator and in the Service, and the change applies at the Firm’s next renewal after that notice. If the Firm does not accept a material change, it may cancel before that renewal and receive a pro-rated refund of any prepaid fees.
15. General
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules. The state and federal courts located in Delaware have exclusive jurisdiction over disputes arising from these Terms, and each party consents to that jurisdiction and waives trial by jury. These Terms, the Privacy Policy, and any order the parties sign are the entire agreement and replace prior discussions. If a provision is unenforceable, the rest remains in effect. Neither party may assign these Terms without the other’s consent, except to a successor in a merger or sale of substantially all assets, with notice. Notices to PRIA go to legal@policyrisk.com; notices to the Firm go to its administrator’s email on file. The parties are independent contractors. Neither party is liable for delay caused by events beyond its reasonable control, other than payment obligations.