Terms of Sale
These terms govern your purchase and use of all CU Risk Advisors products. They are organized in two layers: the Master Terms of Sale apply to everything we sell, and a Product Supplement below adds the license scope, fees, delivery, and refund terms specific to what you purchased.
Master Terms v1.0 · Document Products Supplement v1.0 · Software Products Supplement v1.1 · Effective August 1, 2026
Applies to All Products
Master Terms of Sale
Version 1.0 · Effective August 1, 2026
These Master Terms of Sale (the "Master Terms") govern your purchase and use of all products sold by CU Risk Advisors, a sole proprietorship of Jeff L. Bassill ("CU Risk Advisors," "Provider," "we," or "us"). By completing a purchase, or by accessing or using any Product, you agree to these Master Terms and to the Product Supplement that applies to what you purchased, on behalf of yourself and the institution you represent (collectively, "you" or the "Institution").
Please read Sections 9, 10, and 11 carefully. They limit what CU Risk Advisors promises and what it can be held responsible for.
1. How These Terms Are Organized
1.1 Two layers. These Master Terms contain the provisions that apply to every product we sell. A separate Product Supplement contains the license scope, fees, delivery, refund, update, and support provisions specific to each category of product. Together they form your agreement with us.
1.2 Current Supplements. Two Product Supplements are in effect as of the effective date above:
| Product Supplement | Covers |
|---|---|
| Document Products | Downloadable Word documents, Excel workbooks, and PDF materials — business continuity, incident response, vendor management, risk assessment, policy, and training document packages, and bundles of them. |
| Software Products | Applications developed and maintained by CU Risk Advisors, in hosted and local file forms — currently ExpressHold. |
1.3 New products. We may add products and, if a product does not fit an existing category, add a Product Supplement for it. The product page will identify which Supplement applies. A product that is a downloadable document or workbook is governed by the Document Products Supplement unless its product page states otherwise.
1.4 Order of precedence. If these documents conflict on a particular point, the following order controls, from highest to lowest:
- A written agreement signed by both you and CU Risk Advisors (for example, a multi-institution license);
- The Product Supplement applicable to the product in question;
- These Master Terms; and
- The product page description and order confirmation in effect at the time of your purchase.
A Supplement controls over these Master Terms only as to the products that Supplement covers, and only to the extent of the conflict. Everything not addressed in a Supplement is governed by these Master Terms.
2. Definitions
2.1 "Product" means any item sold or furnished by CU Risk Advisors, including Document Products, Software Products, demonstration copies, and any accompanying guides or materials.
2.2 "Document Product" means an editable Word document, Excel workbook, PDF, or package of them, delivered as a digital download.
2.3 "Software Product" means an application developed and maintained by CU Risk Advisors, whether delivered through a hosted, password-protected URL or as a file installed on your own systems.
2.4 "Product Supplement" or "Supplement" means the supplemental terms applicable to a category of Products, as described in Section 1 and published on this page.
2.5 "Order" means your completed purchase, including the product page description, quantities, and fees shown at checkout and in your order confirmation.
2.6 "User" means any employee, officer, director, volunteer, or contracted individual of the Institution who accesses or uses a Product on the Institution's behalf.
3. Single-Institution Scope
3.1 Unless your Order or a signed agreement states otherwise, every Product is licensed to one institution — one credit union or bank charter — including its branches, subsidiaries, and affiliated entities under common control.
3.2 The standard license does not permit use for, on behalf of, or for the benefit of any institution other than the one that purchased it. Leagues, CUSOs, consulting firms, service providers, core processors, accounting firms, law firms, or trade associations wishing to use a Product for or with multiple institutions should contact sales@mycurisk.com about a multi-institution license.
3.3 Software Products carry additional per-institution and per-environment restrictions described in the Software Products Supplement. A separate license is required for each legally distinct institution.
4. Orders, Pricing, and Payment
Prices are stated in U.S. dollars, exclusive of applicable taxes, and are those shown on the product page and order confirmation at the time of your Order. Payment is processed by our third-party payment processor; we do not receive or store your full payment card details. Introductory or promotional pricing may change at any time; a price change does not affect a purchase already completed. Where your accounts payable process requires it, we provide an invoice, W-9, and vendor setup information (our EIN appears in Section 17).
5. Delivery
All Products are delivered electronically — no physical goods are shipped — by download link, hosted access credentials, or file transmission as described in the applicable Supplement, together with a confirmation email. You are responsible for providing a valid email address and for retrieving and retaining your files. If you do not receive your delivery, or a link expires before you retrieve the files, contact info@mycurisk.com and we will re-send it at no charge.
6. License Grant and General Restrictions
6.1 Subject to your compliance with these Master Terms and the applicable Supplement, and to payment in full, CU Risk Advisors grants you a non-exclusive, non-transferable, non-sublicensable, single-institution license to use the Products you have purchased. Duration and scope — perpetual or term-limited — are stated in the applicable Supplement.
6.2 Across all Products, you may not:
- Share, sell, sublicense, lease, lend, distribute, or otherwise transfer a Product — original or modified — to anyone outside your Institution;
- Use a Product to provide consulting, template, document-preparation, or compliance services to third parties, or incorporate it into products or services you offer commercially;
- Post a Product on any public or shared website, file-sharing service, listserv, association library, forum, AI training corpus, or other outside repository;
- Remove, obscure, or alter any copyright notice, attribution, watermark, or ownership marking, except as a Supplement expressly permits for documents you've customized for internal adoption; or
- Use a Product on behalf of, or for the benefit of, an institution other than the one that purchased the license.
6.3 Each Supplement contains further category-specific restrictions. 6.4 You are responsible for your Users' compliance with these terms.
7. Ownership
7.1 CU Risk Advisors retains all right, title, and interest in the Products, including all copyrights and IP in the underlying templates, structure, text, source code, logic, and documentation. Nothing here transfers ownership to you. 7.2 You own the content you add and the completed documents you create.
7.3 Your completed records are yours.
Any plan, policy, exercise record, incident record, risk assessment, vendor file, training roster, notice, or other document you populate with your own information belongs to you. Your right to retain, use, produce, and disclose it — including to examiners, auditors, counsel, insurers, and regulators, and in litigation or an enforcement proceeding — survives termination of your license for any reason, including a refund.
Any obligation to delete or destroy files on termination applies to the unpopulated templates and software files, never to records you have completed.
7.4 Suggestions or feedback you send us may be used without restriction or obligation, and we will not identify your Institution in connection with it without permission.