Terms of Service

Last updated: May 2, 2026

Please read these Terms of Service (“Terms”) carefully before using the Prism Layer website or platform services operated by Prism Layer, Inc. (“Prism Layer,” “we,” “us,” or “our”). By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing this website or using any Prism Layer service, you confirm that you are at least 18 years old, that you have the authority to agree to these Terms on behalf of your organization (if applicable), and that you agree to comply with these Terms and all applicable laws and regulations.

2. Platform Services

Prism Layer provides AI-powered risk decisioning software for financial services organizations. Access to and use of the Prism Layer platform is governed by a separate Master Services Agreement or Software License Agreement entered into between Prism Layer and the customer organization. These Terms govern use of the public website only unless incorporated by reference into a platform agreement.

3. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Prism Layer, Inc. or its content suppliers and is protected by United States and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.

4. Permitted Use

You may use this website to learn about Prism Layer, contact us, and access publicly available resources. You may not use this website to:

  • Engage in any unlawful activity or violate applicable laws or regulations
  • Attempt to gain unauthorized access to any part of the website or our systems
  • Transmit viruses, malware, or other malicious code
  • Scrape or harvest data from the website without our written permission
  • Impersonate Prism Layer or its employees
  • Use the website in a way that could damage, disable, or impair its operation

5. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. Prism Layer does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Limitation of Liability

To the maximum extent permitted by law, Prism Layer shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or its content, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from use of this website shall not exceed one hundred dollars ($100).

7. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in Cook County, Illinois.

10. Changes to Terms

Prism Layer reserves the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

11. Contact

For questions about these Terms, contact us at:

Prism Layer, Inc.
233 South Wacker Drive, Suite 4500
Chicago, IL 60606
[email protected]