Last Updated: December 15, 2025
THIS MASTER USER AGREEMENT (“Agreement”) is entered into by and between Roco Finance AI, Inc., a Delaware corporation (“Roco”, “We”, “Us”, or “Our”), and the entity or individual (“Customer”, “User”, or “You”) accessing or using the Roco Finance AI application, website, and related services (collectively, the “Service”).
BY CLICKING “I ACCEPT,” REGISTERING FOR AN ACCOUNT, OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THIS AGREEMENT AND ACKNOWLEDGE OUR PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.
Subject to the terms and conditions of this Agreement, Roco grants You a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Service solely for Your internal business purposes during the Subscription Term.
You shall not, and shall not permit any third party to:
Roco and its licensors retain all right, title, and interest in and to the Service, the AI Agent, the Documentation, and all related intellectual property, including any improvements, modifications, or derivative works thereof.
As between Roco and You, You retain all right, title, and interest in and to the Account Data. You grant Roco a worldwide, royalty-free, limited license to access, process, host, copy, and display Account Data:
You acknowledge that Roco may compile Aggregated Statistics based on Account Data. You agree that Roco may (i) make Aggregated Statistics publicly available in compliance with applicable law, and (ii) use Aggregated Statistics to the extent and in the manner permitted under applicable law, including for the training of artificial intelligence models. Roco retains all intellectual property rights in Aggregated Statistics. Your rights to opt-out of certain data processing activities related to profiling are described in our Privacy Policy.
You acknowledge that the Service utilizes artificial intelligence and machine learning technologies which are probabilistic in nature. The AI Agent may generate Output that is inaccurate, incomplete, or "hallucinated" (factually incorrect but plausible-sounding).
The Output may contain financial projections and predictive scenarios. These are "forward-looking statements" based on assumptions and historical data that may not materialize. Actual results may differ materially from the Output due to market volatility, data incompleteness, or unforeseen economic factors. Roco assumes no obligation to update any forecast to reflect events occurring after the forecast is generated.
You acknowledge and agree that Roco’s collection, use, and disclosure of Your personal information and Account Data are governed by the Roco Finance AI Privacy Policy, which is incorporated into this Agreement by reference.
Roco adheres to the Intuit Data Stewardship Principles. We will not sell Your Account Data to third parties. We will only use Your Account Data to provide the Service, improve our products, and as otherwise described in our Privacy Policy.
Fees are described on the Roco website and are subject to change upon notice.
You authorize Roco to charge Your designated payment method. All fees are non-refundable.
Each party agrees to protect the other’s Confidential Information with the same degree of care that it uses to protect its own confidential information, but in no event less than reasonable care. Account Data is Your Confidential Information. The underlying logic, code, and training weights of the AI Agent are Roco’s Confidential Information.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROCO DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ROCO SPECIFICALLY DISCLAIMS ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT THE OUTPUT (INCLUDING CASH FLOW FORECASTS) WILL BE ACCURATE OR RELIABLE.
IN NO EVENT WILL ROCO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ROCO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
ROCO’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT OF FEES PAID BY YOU TO ROCO FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
This Agreement shall be governed by and construed in accordance with the internal laws of the State of Delaware, without regard to its conflict of law principles.
Any dispute arising out of or relating to this Agreement shall be settled by binding arbitration administered by JAMS in accordance with its Comprehensive Arbitration Rules. The place of arbitration shall be Wilmington, Delaware.
YOU AND ROCO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Roco shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, internet outages, or failures of the Intuit Platform.
Roco may modify this Agreement at any time by posting a revised version. Continued use of the Service constitutes acceptance.