1. An apparatus, comprising: at least one processor; and a memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to: parse a string of terms into a plurality individual terms; determine whether the plurality of individual terms includes at least one term matching a keyword of a keyword listing; responsive to determining that the plurality of individual terms includes at least one term matching the keyword, determine a part of speech of the at least one term matching the keyword; responsive to determining that the part of speech of the at least one term is one of: a noun and a verb, identify the other of the noun and the verb in the plurality of individual terms; identify a category of risk associated with the noun and a category of risk associated with the verb; determine whether the identified category of risk associated with the identified noun and the identified category of risk associated with the identified verb are a same category of risk; responsive to determining that the identified category of risk associated with the identified noun and the identified category of risk associated with the identified verb are the same category, determine a first risk rating of the string of terms including the identified noun and the identified verb, the first risk rating being based on the identified noun, the identified verb and the same category; and responsive to determining that the identified category of risk associated with the identified noun and the identified category of risk associated with the identified verb are different categories, determine a second risk rating of the string of terms including the identified noun and identified verb, the second risk rating being based on the identified noun, the identified verb, the identified category of risk associated with the noun and the identified category of risk associated with the verb, the second risk rating being different from the first risk rating.