RI-TOOL is a multi-tenant SaaS platform built for reinsurance professionals to document, structure, and formalize treaty clauses. Unlike spreadsheets or generic document tools, RI-TOOL represents each clause as a directed acyclic graph (DAG) of operands — enabling precise, machine-readable formalization of complex contractual logic. The platform covers the full reinsurance workflow: clause drafting (Junior), validation (Senior), actuarial formalization (Actuary), exposure modeling (Risk Modeler), contract instantiation (Manager), and statement-of-account production (SOA Senior / SOA Junior). Each tenant receives an isolated workspace pre-loaded with a seed library of standard clauses, primitive graphs, and SOA templates. A 298-term multilingual RI glossary is included in 14 languages. Documents are stored with AES-256-GCM encryption. Every write operation is audited.