1. About Soborro and this agreement
Soborro is operated by SOBORRO LTD, a private limited company registered in England and Wales under company number 13305893. Its registered office is 13 Carlyle Road, Edgbaston, Birmingham B16 9BH, England.
Contact us at support@soborro.com or +32 467 66 3575 .
These terms govern subscriptions to Soborro Risk Profiler. The plan description and order confirmation form part of your agreement. Any expressly agreed written variation takes priority over these terms to the extent of a conflict. Nothing in this agreement removes rights that the law gives you and does not allow us to exclude.
Economic Scenario Generator demonstrations do not themselves create a paid subscription. Any separately commissioned software, scenario supply or professional engagement requires its own agreed scope and commercial terms.
You are a consumer where you purchase principally outside your trade, business or profession and applicable law treats you as a consumer. Otherwise, the business customer provisions apply. Your legal status depends on the circumstances, not simply on an account label.
2. Accounts and orders
You must be at least 18 and provide accurate account and billing information. If you subscribe for an organisation, you confirm that you are authorised to enter into this agreement for it.
Our agreement begins when we accept your order by email. If we cannot accept it, we will return any payment collected. Your confirmation will identify the plan, price, billing arrangements and access start date. Any manual activation period will be disclosed before payment.
Keep your access credentials confidential and notify us promptly of suspected misuse. Each login is for its named user. Additional users require the access rights stated in your plan or separately agreed with us. You are responsible for authorised users' compliance, but not automatically responsible for misuse caused by our security failures.
3. Purpose and limits of the service
Risk Profiler provides analytical tools for exploring portfolio outcomes under modelled economic scenarios. Its outputs depend on your inputs, selected assumptions, available data and modelling methods.
Projections describe possible outcomes within a model. They are not predictions of what will happen. Historical observations, simulated distributions and risk statistics cannot capture every market condition or source of loss. Actual outcomes can differ materially, including losses beyond those represented in a simulation. A reported percentile or loss measure is not a maximum possible loss.
Unless separately agreed in writing, we do not provide personal investment recommendations, assess the suitability of investments for you, manage assets or execute transactions. The service is not a substitute for investment, actuarial, accounting, tax or legal advice appropriate to your circumstances, or for any independent validation required for your intended use.
You remain responsible for investment decisions, checking your inputs, understanding material assumptions and assessing whether an analysis is suitable for your purpose. Do not represent an output as a guarantee, a regulatory approval or an assurance that a portfolio is safe. These responsibilities do not excuse a failure by us to provide the contracted service with the care and quality required by law.
4. Plans, allowances and payment
The plan information shown before purchase specifies the subscription price, currency, billing interval, analysis allowance, saved-analysis limit and any user restrictions. Taxes and the total amount payable will be disclosed before you place the order. Your payment provider may apply its own currency conversion charges.
Subscriptions renew monthly unless cancelled. Payment is due in advance for each billing period. Payments are processed through Stripe; we remain responsible for supplying the service and handling subscription complaints and rights that apply by law.
Allowance reset dates and what counts as a chargeable analysis will be stated in the plan information. Unused allowances expire at the end of each billing period and do not roll over. Deleting a saved analysis or result does not restore an allowance already consumed. Saved-analysis limits govern storage separately from computation allowances.
We may change prices for future billing periods by giving at least 30 days' advance notice. You may cancel before the change takes effect. We will not retrospectively increase the price of a period already paid for or remove its purchased allowance.
5. Cancelling renewal
You may cancel renewal at any time during a billing period through the Stripe cancellation facility made available with your subscription. No explanation is required. A cancellation completed before renewal prevents the next renewal charge. Stripe will confirm the cancellation. If you cannot access the Stripe cancellation facility, contact support@soborro.com .
Unless you exercise a cooling-off right or another right to end the agreement sooner, cancellation takes effect at the end of the current paid period and access continues until then. Payments are non-refundable and we do not provide credits for an unused part of a billing period, unused allowances or a decision to stop using the service. This policy does not exclude a refund or other remedy where required by applicable law.
After the paid period ends, you will have 14 calendar days to access the account solely to export available analyses and results. You cannot start new analyses during this export period. After it expires, account data may be deleted in accordance with our retention policy and applicable law. You should export any records you need before the deadline.
6. Consumer cooling-off and remedies
If you are a consumer, you may withdraw from your initial subscription without giving a reason within 14 calendar days after the day the agreement is concluded. Any longer or additional withdrawal right required by applicable law remains available.
Cancelling through Stripe within this period will also notify us of your decision to withdraw where a statutory withdrawal right applies. You may also notify us by a clear statement sent to support@soborro.com or the registered office above. We will acknowledge the notice in a form you can retain.
If you expressly request service to begin during the cooling-off period, and we have given the legally required information, we may deduct a proportionate amount for services actually supplied before withdrawal, but only where the law permits. Starting access or running an analysis does not, by itself, waive your cancellation rights.
We will make any refund due by law without undue delay and within 14 days after receiving your withdrawal notice, using your original payment method unless you expressly agree otherwise, without a refund fee.
Your legal rights concerning service quality, digital content and digital services remain unaffected. Where applicable, these include correction or repeat performance, a price reduction or ending the agreement and receiving a refund. Contact us with a description of the problem so that we can address it.
7. Your data and confidentiality
You retain your rights in the information you submit. You authorise us to process it only as needed to provide, secure, maintain and support the service and meet legal obligations. You must have the necessary rights to submit it. Avoid submitting personal information about portfolio beneficiaries or other individuals when aggregate or anonymised inputs will suffice.
We will treat non-public portfolio inputs and account-specific outputs as confidential. We may disclose them to personnel and service providers who need access to perform the service and are subject to appropriate confidentiality duties, or where legally required. This obligation does not cover information lawfully public, independently developed or lawfully received without a confidentiality restriction.
Our Privacy Policy explains how we handle personal data. These terms do not constitute consent to unrelated marketing or replace any data processing agreement required for an organisation's use of the service.
8. Intellectual property and permitted use
We and our licensors retain the intellectual property rights in the software, models, methods, documentation, design and underlying datasets. Your subscription gives you a limited right to use the service for your own purposes or your organisation's internal work during the subscription.
You may retain generated reports and use them for your own analysis and internal reporting after the subscription ends. You may share them with your professional advisers under confidentiality obligations, preserving explanatory qualifications and source notices. Resale, public redistribution, incorporation into a commercial data product or delivery as a service to third parties requires our written permission, unless your plan expressly allows it.
Do not circumvent access controls or allowances, interfere with the service, introduce malicious code, unlawfully obtain other users' information, or extract and resell underlying datasets. Restrictions on copying or reverse engineering apply only to the extent permitted by law and do not override statutory rights.
9. Availability, changes and records
We will exercise reasonable care and skill in providing the service. Unless separately agreed, we do not promise uninterrupted availability, a particular completion time or a specific investment outcome. We will take reasonable steps to address service faults and notify you of material planned interruptions.
We may update the service for security, legal compliance, maintenance and improvements. We will give reasonable notice of changes materially affecting paid functionality. If a change substantially reduces the service you purchased, you may cancel future renewal. Payments already made remain non-refundable except where applicable law requires a refund or another remedy.
Keep your own copies of reports needed for investment records, audit or regulatory purposes. Storage while subscribed is subject to the disclosed plan limits. Following cancellation, you will have the 14-day export period described in section 5 to retrieve available analyses and results. Except where law requires longer retention, we may delete account data after that period. Recovery of records you choose to delete is not guaranteed.
10. Suspension and termination
We may suspend access where reasonably necessary to address a serious security threat, unlawful use, material breach or overdue payment. Where practicable, we will explain the reason and give you an opportunity to resolve it. Any restriction will be proportionate to the issue.
We may terminate for a serious breach that cannot be remedied or a material breach you fail to remedy within a reasonable period after notice. If we discontinue the service for business reasons, we will give at least 30 days' notice where reasonably possible. Payments remain non-refundable except where applicable law requires a refund or another remedy.
11. Liability
Nothing in these terms excludes or limits liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or anything else that cannot lawfully be excluded or limited. Mandatory consumer rights and remedies take priority over every limitation below.
Consumers
We are responsible for loss or damage that is a foreseeable consequence of our breach or failure to exercise legally required care. We are not responsible for loss caused solely by your incorrect inputs, your misuse of the service or an unrelated market movement. This does not exclude responsibility where our own breach contributes to a loss.
Business customers
Subject to the first paragraph of this section, and to the extent lawful and reasonable, our total aggregate liability arising from or in connection with the affected subscription, whether in contract, tort (including negligence) or otherwise, is limited to the greater of €1,000 and the subscription fees paid or payable for that service in the 12 months preceding the event giving rise to the claim. Connected events are treated as one event beginning with the first of them.
Subject to the same qualifications, we are not liable to business customers for loss of profit, investment return, anticipated savings, business opportunity or goodwill, or for indirect or consequential loss.
12. Events outside our reasonable control
We are not responsible for delays caused by events outside our reasonable control where we take reasonable steps to reduce their effect. We will inform you of a material disruption. If it prevents us from supplying a substantial part of the paid service for a prolonged period, you may cancel future renewal. Payments already made remain non-refundable except where applicable law requires a refund or another remedy.
13. Changes to these terms
Changes will apply prospectively. We will give at least 30 days' notice of material changes affecting an existing subscription and explain their purpose. You may cancel before they take effect. Where a change must take effect sooner for legal or urgent security reasons, we will give as much notice as reasonably possible and preserve your applicable cancellation and refund rights. We will obtain express agreement where required by law.
14. Complaints, law and courts
Please send complaints to support@soborro.com . We will investigate and respond within a reasonable time. You do not have to complete our complaints process before exercising a legal right.
If you are a consumer and we cannot resolve your complaint directly, you may submit an eligible complaint to the Belgian Consumer Mediation Service, North Gate II, Boulevard du Roi Albert II 8 bte 1, 1000 Brussels, Belgium, at www.mediationconsommateur.be . The service is free. Its involvement does not prevent either party from exercising any right to bring legal proceedings.
This agreement is governed by the laws of England and Wales. If you are a consumer, this choice does not deprive you of mandatory protections applicable in your country of habitual residence. You may bring proceedings in any court available to you under applicable consumer jurisdiction rules. We will bring proceedings against you only where those rules permit.
For business customers, the courts of England and Wales have exclusive jurisdiction, subject to mandatory law.
If a provision is invalid or unenforceable, the remaining provisions continue to apply where the agreement can lawfully continue. A delay in enforcing a right does not, by itself, waive that right.