Welcome to Master Risk Model (“Company,” “we,” “our,” “us”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.masterriskmodel.com, use our app, or engage with our services. Please read this policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Site.

Legal Basis (GDPR): If you are located in the European Union, we process your personal data based on the following legal grounds: (a) to perform a contract with you (e.g., to deliver purchased services), (b) to comply with our legal obligations, (c) based on your consent (e.g., marketing emails), or (d) for our legitimate interests (e.g., improving our services).

• Personal Data: Personally identifiable information, such as your name, billing address, email address, and telephone number, and demographic information that you voluntarily give to us when you register or participate in activities related to the Site.
• Derivative Data: Information our servers automatically collect when you access the Site, such as your IP address, browser type, operating system, access times, and the pages you viewed directly before and after accessing the Site.
• Financial Data: Financial information related to your payment method. We do not store financial data directly but rely on third-party payment processors (such as PayPal) to securely handle this information.
• Cookies and Tracking Technologies: We use cookies and similar technologies to enhance your experience. For more details, see our Cookie Policy.
• Business/Employee Data (B2B clients): If you are an organization purchasing services for your employees, we may collect the names and email addresses of employees you assign to assessments.
• User Rights: You have the right to access, update, or delete your personal information. EU residents also have the right to restrict processing, object to processing, and data portability. You may also lodge a complaint with your local supervisory authority. To exercise your rights, contact us at [email protected].

• Create and manage your account.
• Process transactions and send related confirmations and invoices.
• Communicate with you about your account or transactions.
• Send you marketing communications (you may opt out anytime).
• Provide and maintain our services.
• Analyse trends and improve the Site.
• Comply with tax, accounting, and legal requirements, including VAT invoicing.

• By Law or to Protect Rights: To comply with legal obligations or protect rights, property, and safety.
• With Service Providers: To third parties who provide services such as payment processing, hosting, or email delivery.
• For Business Transfers: During mergers, sales, or acquisitions.
• International Transfers: Data may be transferred outside the EU. Where required, safeguards (e.g., Standard Contractual Clauses) are applied.

We use administrative, technical, and physical measures to protect your data. While reasonable steps are taken, no system is completely secure.

We do not knowingly collect data from children under 13. If we discover such data, we will delete it promptly.

We may update this Privacy Policy from time to time. If material changes occur, we will notify you by email (if available) or on our website.

• License & Access: Each purchase grants a personal, non-transferable license for the use of the assessment(s) and related materials. For organizations, each “seat” is tied to one individual and cannot be reassigned once activated.
• Expiry: All assessments and reassessments must be used within 12 months of purchase. Expired credits cannot be reinstated.
• Reassessments: Available only after completing an initial assessment.
• Payments: Payments are securely processed through PayPal or approved invoicing. Services are delivered only after payment is received (unless otherwise agreed for organizations).
• Intellectual Property: All content, frameworks, and materials remain the property of Master Risk Model – Yilian B.V. and may not be copied, distributed, or reused without permission.
• Limitation of Liability: Services are provided “as is” without guarantees. Liability is limited to the amount paid for the service.