# Terms of Service

Last updated: December 31, 2025

## 1. Acceptance of Terms

By accessing or using Co-Op ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

## 2. Description of Service

Co-Op is an AI-powered advisory platform that provides startup founders with insights on legal, financial, investor relations, and competitive analysis matters. The Service includes:

- AI agents powered by our LLM Council (multiple models cross-validating responses)
- Pitch deck analysis with investor-specific recommendations
- Cap table simulation and dilution modeling
- Secure document storage with RAG integration
- Customer outreach with AI-powered lead discovery
- Competitor monitoring and market alerts
- Investor database and matching
- Financial calculators and modeling tools
- REST API, MCP Protocol, and webhook integrations

## 3. Pilot Program

Co-Op is currently in a pilot phase. During this period:

- Free users receive 3 AI agent requests per month
- Up to 3 competitor alerts per user
- Up to 5 leads and 5 campaigns for outreach
- 1 API key and 1 webhook per user
- Full access to pitch deck analyzer and cap table simulator
- Service availability and features may change without notice
- We may limit or modify access at our discretion

## 4. User Responsibilities

You agree to:

- Provide accurate information during registration and onboarding
- Maintain the security of your account credentials
- Use the Service only for lawful purposes
- Not attempt to reverse engineer, exploit, or abuse the Service
- Not share your account or API keys with others
- Not use the Service to send spam or unsolicited communications
- Comply with all applicable laws regarding outreach and email campaigns
- Respect rate limits and fair usage policies

## 5. Document Upload & Processing

When uploading documents to Co-Op:

- You retain ownership of all uploaded content
- You grant us license to process documents for AI analysis
- Pitch decks are stored for analysis and future reference
- Secure documents are encrypted and can be set to auto-expire
- You are responsible for ensuring you have rights to upload content
- We may reject or remove content that violates these terms

## 6. Outreach & Email Campaigns

When using our outreach features:

- You must comply with CAN-SPAM, GDPR, and other applicable email laws
- You must have a legitimate business purpose for contacting leads
- You must honor unsubscribe requests promptly
- We may suspend accounts that generate excessive bounces or spam complaints
- AI-generated email content is your responsibility to review before sending

## 7. API & Integration Usage

When using our APIs, MCP Protocol, or webhooks:

- API keys are confidential and must not be shared
- You must respect rate limits (documented in API responses)
- Webhook endpoints must be secure (HTTPS) and respond promptly
- We may revoke access for abuse or excessive usage
- API access is subject to the same usage limits as the web interface

## 8. Disclaimer

**Co-Op is not a substitute for professional advice.** The AI-generated content is for informational purposes only and should not be considered legal, financial, tax, or investment advice. Our LLM Council cross-validates responses for accuracy, but AI can make mistakes. Always consult qualified professionals for important business decisions.

## 9. Limitation of Liability

To the maximum extent permitted by law, Co-Op and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service, including but not limited to:

- Decisions made based on AI-generated advice
- Loss of data or business interruption
- Inaccuracies in pitch deck analysis or cap table calculations
- Failed outreach campaigns or lead quality issues
- Third-party service outages affecting our platform

## 10. Intellectual Property

Co-Op is open-source software. The source code is available under the project's license on GitHub. Your data and content remain your property. AI-generated responses are provided for your use but may not be unique to you.

## 11. Account Termination

We may suspend or terminate your account if you:

- Violate these Terms of Service
- Engage in abusive or fraudulent behavior
- Attempt to circumvent rate limits or security measures
- Use the Service for illegal purposes

You may delete your account at any time. Upon deletion, your data will be removed within 30 days.

## 12. Changes to Terms

We may update these terms from time to time. We will notify you of significant changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the new terms.

## 13. Governing Law

These terms shall be governed by and construed in accordance with applicable laws. Any disputes shall be resolved through good-faith negotiation or, if necessary, binding arbitration.

## 14. Contact

For questions about these terms, please contact us at [legal@co-op.software](mailto:legal@co-op.software)