Risk to Ready Service Terms

Last updated: 2026-05-01

These Service Terms govern your access to and use of the Risk to Ready website, assessment tools, reports, digital resources, paid packages and related services.

Risk to Ready is operated by DarkhorseOne Limited.

Please read these Service Terms carefully before using Risk to Ready. By accessing the website, completing an assessment, creating an account, purchasing a service, downloading a resource, or otherwise using Risk to Ready, you agree to these Service Terms.

If you do not agree to these Service Terms, you must not use Risk to Ready.

1. About us

Company: DarkhorseOne Limited
Product/service name: Risk to Ready
Company number: 15002342
Registered office: Suite 3.1, 27 Castle Street, Canterbury, Kent, England, CT1 2PX
Contact email: service@darkhorseone.co.uk

In these Service Terms:

• “Risk to Ready”, “we”, “us” and “our” mean DarkhorseOne Limited;
• “you” and “your” mean the person or organisation using Risk to Ready;
• “Services” means the Risk to Ready website, assessment tools, reports, digital resources, paid packages, consultancy support, subscriptions, recommendations and related services;
• “Assessment” means any diagnostic questionnaire, readiness check, risk review, scoring process or similar tool provided through Risk to Ready;
• “Output” means any score, report, recommendation, summary, checklist, resource suggestion or other result generated by Risk to Ready.

2. What Risk to Ready provides

Risk to Ready provides business-readiness and risk-control support for founders, freelancers, sole traders, small companies and early-stage businesses.

The Services may include:

• free or paid diagnostic assessments;
• business-readiness scoring;
• risk indicators;
• practical recommendations;
• compliance-readiness checklists;
• HR, tax, data protection, Companies House, employment-readiness and operational setup guidance;
• downloadable digital resources;
• paid setup packs;
• subscription-based access to resources;
• consultancy or implementation support, where separately agreed.

Risk to Ready is designed to help users understand possible areas of business risk and operational readiness. It does not guarantee that your business is legally compliant, tax compliant, financially ready, investment-ready, employment-law compliant, immigration compliant, or free from operational risk.

3. Important disclaimer: not legal, tax, accounting or HR advice

Risk to Ready provides general business-readiness information and practical guidance.

Unless we expressly agree otherwise in writing, Risk to Ready does not provide:

• legal advice;
• tax advice;
• accounting advice;
• financial advice;
• investment advice;
• immigration advice;
• regulated professional advice;
• formal HR consultancy advice;
• legal representation;
• audit certification;
• compliance certification.

You should obtain advice from an appropriately qualified solicitor, accountant, tax adviser, HR professional, immigration adviser, financial adviser or other professional before making decisions that may have legal, financial, tax, employment, immigration or regulatory consequences.

Any information, checklist, score, recommendation or report provided by Risk to Ready is for general guidance only and is based on the information available to us and the information you provide.

4. No guarantee of outcome

Risk to Ready does not guarantee that:

• your business will become compliant by following our recommendations;
• any specific risk will be fully identified;
• any recommendation will be suitable for every circumstance;
• any regulatory body, court, tribunal, investor, bank, insurer, customer, supplier or professional adviser will accept a Risk to Ready report;
• your business will avoid penalties, disputes, claims, tax issues, employment disputes, regulatory action or financial loss;
• any score or assessment result will remain accurate over time.

Business circumstances, laws, regulations, official guidance and enforcement practices may change. You are responsible for reviewing whether any information or recommendation remains suitable for your circumstances.

5. Eligibility and user responsibility

You may use Risk to Ready only if you are legally able to enter into a contract.

If you use Risk to Ready on behalf of a company, partnership, organisation or other business, you confirm that you have authority to bind that organisation to these Service Terms.

You are responsible for:

• providing accurate, complete and up-to-date information;
• reviewing all Outputs before relying on them;
• deciding whether to act on any recommendation;
• obtaining professional advice where appropriate;
• maintaining your own business records;
• ensuring your own compliance with applicable laws and regulations;
• keeping your account login details secure.

We are not responsible for inaccurate, incomplete or unsuitable Outputs caused by inaccurate, incomplete or outdated information provided by you.

6. Business users and consumer users

Risk to Ready is primarily intended for business users.

However, some users may access Risk to Ready as individuals, sole traders, prospective founders, freelancers or side-business operators. Depending on your circumstances, you may have consumer rights under UK law.

Nothing in these Service Terms is intended to exclude, restrict or limit any rights that cannot lawfully be excluded, restricted or limited.

Where you are acting as a consumer, your statutory rights are not affected.

7. Accounts

Some parts of Risk to Ready may require you to create an account.

You must ensure that your account information is accurate and kept up to date.

You are responsible for maintaining the confidentiality of your login details and for all activity under your account.

You must notify us promptly if you believe your account has been accessed without authorisation.

We may suspend or restrict access to your account where we reasonably believe that:

• your account has been compromised;
• you have breached these Service Terms;
• your use creates a security, legal, operational or reputational risk;
• suspension is necessary to protect Risk to Ready, other users, or our systems.

8. Assessments and Outputs

Risk to Ready Assessments and Outputs are generated from:

• information you provide;
• structured diagnostic questions;
• business-readiness logic;
• scoring rules;
• compliance-readiness frameworks;
• AI-assisted processing, where used;
• available public or internal knowledge resources;
• our product design and business logic.

Outputs are intended to help you identify practical next steps. They are not a substitute for formal professional advice.

You must not treat a Risk to Ready score, report or recommendation as a legal opinion, tax opinion, audit report, compliance certificate, employment-law review, financial assessment, immigration opinion, or professional assurance report.

9. AI-assisted features

Risk to Ready may use AI-assisted features to help analyse user responses, generate summaries, identify risk patterns, suggest resources, or prepare draft recommendations.

AI-assisted Outputs may be incomplete, inaccurate, outdated, inconsistent or unsuitable for your specific circumstances.

You are responsible for reviewing AI-assisted Outputs before relying on them.

We do not guarantee that AI-assisted Outputs will be error-free, complete, current, or appropriate for your business.

Unless expressly stated otherwise, Risk to Ready does not make legally binding or similarly significant decisions about you solely by automated means.

10. Paid services

Certain Services may be offered for a fee.

The price, scope, billing period, deliverables, subscription terms and payment method will be shown at the point of purchase or in a separate written agreement.

You agree to pay all fees applicable to the Services you purchase.

Fees are exclusive of VAT unless stated otherwise.

We may use third-party payment processors to process payments. We do not normally store full payment card details.

11. Subscriptions

Where a Service is provided on a subscription basis:

• the subscription period will be stated at the point of purchase;
• your subscription may renew automatically if this is clearly stated before purchase;
• you are responsible for cancelling before the next billing date if you do not wish to renew;
• access may be suspended or terminated if payment fails;
• subscription fees already paid are non-refundable unless stated otherwise or required by law.

Where automatic renewal applies, we will provide information about the renewal terms before you subscribe.

12. Consumer cancellation rights

If you purchase Risk to Ready as a consumer online, you may have a statutory right to cancel under the Consumer Contracts Regulations.

For many online service contracts, the cancellation period is generally 14 days from the day after the contract is entered into, subject to exceptions and specific rules. The Consumer Contracts Regulations set out rules on cancellation and pre-contract information for distance contracts.

If you request immediate access to digital content, downloadable resources, reports or services during the cancellation period, you may be asked to acknowledge that your cancellation rights may be affected once performance or supply begins, where permitted by law.

Where consumer cancellation rights apply, we will provide the required cancellation information at or before the point of purchase.

This section does not apply to business users to the extent consumer cancellation rights do not apply.

13. Refunds

Refund rights depend on the type of Service purchased and whether you are acting as a business user or a consumer.

Unless otherwise stated at the point of purchase or required by law:

• free assessments are provided without refund entitlement;
• paid digital resources are non-refundable once accessed or downloaded;
• paid reports are non-refundable once generated or delivered;
• consultancy or implementation fees are non-refundable once work has started;
• subscription fees are non-refundable for billing periods already started;
• unused subscription periods may not be credited unless we agree otherwise.

This does not affect any statutory rights you may have as a consumer.

14. Changes to Services and pricing

We may update, improve, modify, suspend or discontinue parts of the Services from time to time.

We may change prices for future purchases or future subscription periods.

For existing subscriptions, we will provide reasonable notice of material price changes where required.

We are not required to continue offering any free feature, assessment, resource or trial indefinitely.

15. Acceptable use

You must not misuse Risk to Ready.

You must not:

• use the Services unlawfully;
• provide false, misleading or fraudulent information;
• attempt to gain unauthorised access to our systems;
• interfere with the security or operation of the Services;
• copy, scrape, harvest, crawl or extract content or data without permission;
• reverse engineer, decompile or attempt to derive source code from the Services;
• use the Services to develop a competing product without our consent;
• upload malware or harmful code;
• overload or disrupt the Services;
• use the Services in a way that infringes another person’s rights;
• resell, sublicense or commercially exploit the Services without our written consent;
• use the Services for regulated advice, legal certification, compliance certification or professional assurance without our written agreement.

We may suspend or terminate access if we reasonably believe you have breached this section.

16. User content

You may submit information, text, files, responses, documents or other materials to Risk to Ready.

You retain ownership of content you submit.

You grant us a non-exclusive, worldwide, royalty-free licence to use, host, store, process, reproduce, adapt and display your submitted content as necessary to provide, operate, secure, improve and support the Services.

You confirm that you have the right to submit any content you provide and that doing so does not infringe any third-party rights or breach any legal obligation.

You must not submit confidential, sensitive or special category personal data unless it is necessary and we have expressly requested it.

17. Intellectual property

All intellectual property rights in Risk to Ready, including the website, software, workflows, questionnaires, scoring logic, assessment frameworks, templates, reports, text, design, graphics, databases, know-how, product structure and branding, belong to DarkhorseOne Limited or our licensors.

You may use the Services only as permitted by these Service Terms.

You must not copy, reproduce, modify, distribute, publish, sell, license, create derivative works from, or otherwise exploit any part of Risk to Ready without our written permission, except where expressly permitted.

18. Licence to use Outputs

Subject to payment of applicable fees and compliance with these Service Terms, we grant you a limited, non-exclusive, non-transferable licence to use Outputs provided to you for your own internal business-readiness, planning and operational purposes.

You may share Outputs with your own professional advisers, such as solicitors, accountants, tax advisers or HR consultants, for the purpose of obtaining advice.

You must not:

• resell Outputs;
• present Outputs as legal, tax, audit or compliance certification;
• remove proprietary notices;
• publish paid resources publicly without permission;
• use Outputs to create a competing product or service.

19. Third-party services and links

Risk to Ready may integrate with or link to third-party websites, tools, platforms, payment processors, AI providers, analytics tools, content providers or other external services.

We are not responsible for third-party services unless expressly stated.

Your use of third-party services may be subject to separate terms and privacy notices.

We do not guarantee the availability, accuracy, security or suitability of third-party services.

20. Availability and service interruptions

We aim to keep Risk to Ready available, but we do not guarantee uninterrupted, error-free or continuous availability.

The Services may be unavailable due to:

• maintenance;
• updates;
• security issues;
• technical failures;
• third-party provider failures;
• internet or hosting issues;
• force majeure events;
• suspension or termination.

We are not liable for loss caused by temporary unavailability unless liability cannot lawfully be excluded.

21. Data protection

We process personal data in accordance with our Privacy Notice.

Our Privacy Notice explains what personal data we collect, why we use it, the lawful bases we rely on, who we share it with, how long we keep it, and your rights.

You should read the Privacy Notice before using Risk to Ready.

Where you provide personal data about another person, you confirm that you have a lawful basis to do so and, where required, have provided that person with appropriate privacy information.

ICO guidance confirms that privacy information should explain purposes, retention periods and who personal data is shared with.

22. Confidentiality

Each party may receive confidential information from the other.

Confidential information means information that is clearly confidential or would reasonably be understood to be confidential, including non-public business, technical, financial, operational, customer or product information.

Neither party may use or disclose the other party’s confidential information except:

• to perform obligations under these Service Terms;
• with the other party’s consent;
• to professional advisers under confidentiality obligations;
• where required by law, regulation, court order or public authority;
• where the information is already public through no fault of the receiving party.

23. Limitation of liability

Nothing in these Service Terms excludes or limits liability for:

• death or personal injury caused by negligence;
• fraud or fraudulent misrepresentation;
• breach of statutory rights that cannot lawfully be excluded;
• any other liability that cannot lawfully be excluded or limited.

Subject to the above, we are not liable for:

• loss of profit;
• loss of revenue;
• loss of business;
• loss of goodwill;
• loss of opportunity;
• loss of anticipated savings;
• loss or corruption of data;
• indirect or consequential loss;
• losses caused by inaccurate or incomplete information provided by you;
• losses caused by your reliance on Outputs without appropriate professional advice.

For business users, our total aggregate liability arising out of or in connection with the Services shall not exceed the greater of:

• the amount paid by you to us for the relevant Services in the 12 months before the event giving rise to the claim; or
• £100.

For free Services, our total aggregate liability shall not exceed £100.

Any limitation of liability is subject to the requirements of applicable law. Under the Unfair Contract Terms Act 1977, certain attempts to exclude or restrict business liability may be subject to statutory controls.

24. Consumer rights

If you are a consumer, nothing in these Service Terms affects your statutory rights.

The Consumer Rights Act 2015 includes rules relating to the supply of digital content and services to consumers.

Where any provision of these Service Terms conflicts with rights that cannot be excluded under consumer law, those rights will prevail.

25. Indemnity for business users

If you are using Risk to Ready as a business user, you agree to indemnify us against losses, claims, damages, liabilities, costs and expenses arising from:

• your breach of these Service Terms;
• your unlawful use of the Services;
• your infringement of third-party rights;
• information or content you submit;
• your use of Outputs in a way not permitted by these Service Terms;
• your representation of Risk to Ready Outputs as legal, tax, audit or compliance certification.

This indemnity does not apply to consumers to the extent it would be unfair or unlawful.

26. Suspension and termination

We may suspend or terminate your access to Risk to Ready if:

• you breach these Service Terms;
• payment is overdue;
• we reasonably suspect fraud, misuse or security risk;
• we are required to do so by law;
• your use creates legal, regulatory, operational or reputational risk;
• we discontinue the relevant Service.

You may stop using Risk to Ready at any time.

Termination does not affect rights or obligations that have already arisen.

Sections relating to intellectual property, confidentiality, payment, limitation of liability, indemnity, data protection, governing law and any provisions intended to survive termination shall continue after termination.

27. Force majeure

We are not responsible for failure or delay caused by events outside our reasonable control.

This may include:

• internet outages;
• hosting failures;
• third-party service failures;
• cyberattacks;
• power failures;
• strikes;
• natural disasters;
• war;
• terrorism;
• government action;
• changes in law;
• serious public health events.

28. Changes to these Service Terms

We may update these Service Terms from time to time.

The latest version will be published on our website with the updated date shown at the top.

Where we make material changes, we may notify users by email, website notice or other appropriate means.

Your continued use of Risk to Ready after updated Service Terms take effect means you accept the updated terms.

If you do not agree to the updated terms, you must stop using the Services.

29. Assignment

You may not transfer or assign your rights or obligations under these Service Terms without our prior written consent.

We may transfer or assign our rights and obligations to another organisation as part of a business transfer, restructuring, merger, acquisition or sale of assets, provided this does not materially reduce your rights.

30. Severability

If any provision of these Service Terms is found to be invalid, unlawful or unenforceable, the remaining provisions will continue in effect.

The invalid, unlawful or unenforceable provision will be treated as modified to the minimum extent necessary to make it valid, lawful and enforceable.

31. No waiver

If we do not enforce a provision of these Service Terms immediately, this does not mean we have waived our right to enforce it later.

32. Entire agreement

These Service Terms, together with any applicable order form, subscription terms, service description, Privacy Notice, Cookie Notice and any separate written agreement, form the agreement between you and us in relation to Risk to Ready.

If there is a conflict between these Service Terms and a separate written agreement signed by us, the separate written agreement will prevail to the extent of the conflict.

33. Governing law and jurisdiction

These Service Terms are governed by the laws of England and Wales.

If you are a business user, the courts of England and Wales shall have exclusive jurisdiction over any dispute arising out of or in connection with these Service Terms or the Services.

If you are a consumer, you may have the right to bring proceedings in the part of the United Kingdom where you live. Nothing in these Service Terms affects mandatory consumer rights that apply to you.

34. Contact

If you have questions about these Service Terms, contact us at:

Email: service@darkhorseone.co.uk