Terms of Service

1. Who These Terms Cover, and How Data Moves

1.1 The roles

The Service is used by people in more than one capacity, and these Terms apply to all of them:

• Founders — individuals and companies who bring their own materials to the Service for analysis.
• Investors — individuals who evaluate companies on the Service.
• Firms — organisations whose members use the Service together under the firm's own configuration.
• Firm members — individuals who access the Service as part of a firm.

Where a term below applies to only one role, it says so.

1.2 The three layers

Three kinds of thing exist on the Service, and they travel very differently. This distinction runs through the whole of these Terms:

1.3 Firms and investors: the Data Terms govern your data

If you use the Service as a firm or as an individual investor and have accepted the KRTR Data Terms for Investors and Firms ("Data Terms"), those Terms govern how we handle your data, and they take precedence over these Terms and our Privacy Policy to the extent of any inconsistency. Section 27 sets out the full order of precedence. These Terms continue to govern your individual use of the Service.

2. Eligibility

You must be at least 18 years of age to use the Service. By creating or accepting an account, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If we learn that an account has been created by a person under 18, we will terminate the account and delete associated data.

If you are using the Service on behalf of a company, firm, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.

3. Accounts, and How You May Arrive

3.1 Registration

To access certain features of the Service you must have an account. You agree to provide accurate, current and complete information and to keep it up to date. You are responsible for safeguarding your credentials and for all activity under your account. Notify us immediately at support@krtr.ai of any unauthorised use. We are not liable for loss arising from your failure to protect your credentials.

3.2 The ways you may arrive

Not every account begins with a self-service signup. You may reach the Service:

• by registering yourself;
• by invitation from another user;
• through a link or single sign-on connection operated by a firm you belong to; or
• because a firm you belong to has included you on a roster it maintains, in which case we may already hold your name and business contact details before you first sign in. Our Privacy Policy explains what we hold and where it came from.

However you arrive, these Terms apply from the point you accept them or first use the Service.

3.3 Credential sharing

You may not share your credentials or allow another person to use your account. Where you need someone else to have access, use the Service's own access controls.

4. Description of the Service

KRTR.ai is an AI-assisted platform for evaluating and preparing venture investment opportunities. It provides AI-generated assessments, document analysis, market and team research, benchmarking, workspace and pipeline tools, and related insights for founders, investors and firms.

4.1 No confidentiality obligation, and its limits

This Section does not apply to data governed by the Data Terms. Where you have accepted the Data Terms, our confidentiality obligations to you are set out there, and this Section 4.1 is superseded to that extent. Until you accept them, this Section applies to you in full.

Otherwise, the Service is not a confidential or privileged communication channel. By uploading content, you acknowledge and agree that:

• Neither KRTR nor its officers, directors, founders, employees, contractors or agents owes you a duty of confidentiality or non-disclosure regarding your uploaded materials, and use of the Service does not create a non-disclosure agreement between us.
• Use of the Service does not create a fiduciary, attorney–client, investment advisory or other privileged relationship between you and KRTR, Inc., its founders, officers, employees or agents.
• Neither KRTR nor its officers, directors, founders, employees, contractors or agents shall have any liability for a claim that ideas, concepts, business models, strategies or other information you uploaded were independently developed by, disclosed to, or used by any third party.
• You should not upload trade secrets or proprietary information you are not willing to have processed by AI systems. You assume the risk of uploading sensitive business information.

4.2 Conflicts disclosure

KRTR's founders and team members are active investors, advisors and participants in the startup ecosystem, and may encounter, evaluate, invest in, advise or be affiliated with companies similar to or competitive with yours, independent of anything you upload.

Firms and investors that use the Service are our customers. They are not affiliates of KRTR, Inc., we do not control them and they do not control us, and nothing on the Service should be read as an endorsement by KRTR of any of them or by any of them of KRTR.

4.3 No investment advice or endorsement

The Service is an analytical tool. Nothing in it constitutes an offer to invest, a solicitation of investment, investment advice, or an endorsement of any company, business plan or fundraising strategy. Scores, ratings and assessments are relative indicators produced by AI models and do not represent the opinions, evaluations, investment decisions or endorsements of KRTR, its founders, its team members, or any other user of the Service.

5. Private Workspaces (Deal Vaults)

The Service provides private, account-scoped workspaces — "deal vaults" — for the notes, memoranda, diligence materials and documents you keep on a company or opportunity.

• A vault is yours. Its contents are your data. We claim no ownership of them.
• A vault does not circulate by default. Vault contents are not indexed and are not searchable across the Service, and nothing you put in a vault leaves it as a side effect of an analysis. It leaves only when a person takes one of these deliberate actions, each of which the Service records:
  • you mint a share link for a memo held in your vault — including, if you choose that setting, a link that can be opened without an account;
  • you refer a deal, which carries a point-in-time copy of the referred memo into the receiving firm's own vault;
  • you promote a vault item into a deal's active materials, after which it is treated like any other uploaded material — later analyses read it, it may be indexed, and a report that quotes it carries the quote if that report is shared;
  • you or a user you authorised select specific vault items for a single analysis run, as described below; or
  • you operate the Service through an agent client or model provider you selected, as described in Section 12.
• Whose vault it is depends on where it sits. A vault in your personal account is scoped to you. A vault inside a firm's account is scoped to that firm: your firm's configuration decides which of its members and external collaborators may read or edit it, and unless your firm restricts it, every active member of the firm can. Section 6 covers firm-governed access.
• Vault contents are excluded from analysis by default. They inform an analysis only where you or a user you have authorised explicitly selects specific items for a single run. That selection is used for that run alone, is not retained, and does not make the material indexed or searchable.
• Deletion is deliberate. Deleting a vault entry moves it to a recoverable trash for a retention window. Permanent destruction requires an affirmative action by a person in the web application and is not available through automated or agent interfaces.
• A vault sits on top of a deal, whatever the deal's origin. Your vault on a Sourced Deal or on a company whose Founder Workspace you can see is still yours, and remains so if your access to that deal ends.

Where you use the Service as a firm or an individual investor, the Data Terms govern vault contents as Private Material and add further commitments.

5A. Plans, Fees and Changes to the Service

5A.1 Plans and fees

Access to some features requires a paid plan. Current plans, their fees, their usage allowances and what each includes are published on our pricing page and form part of these Terms. Free and trial tiers are offered at our discretion and may be limited, changed or withdrawn.

5A.2 Billing and renewal

Paid plans are billed in advance for the billing period you select and renew automatically at the then-current fee for that plan until cancelled. Payment is taken by our third-party payment processor; we do not store your card details. You are responsible for applicable taxes.

5A.3 Cancelling

You may cancel at any time from your account settings or by contacting support@krtr.ai. Cancellation takes effect at the end of the current billing period. You keep access until then. Fees already paid are not refunded, and periods are not pro-rated, except where a refund is required by applicable law.

5A.4 We may change prices

We may change the fee for any plan. We will give you at least 30 days' notice before a change applies to you, by email and by posting the updated pricing. A price change takes effect at your next renewal after the notice period. If you do not accept it, cancel before it takes effect; continuing to use a paid plan after that date is acceptance of the new fee.

5A.5 We may change, add and remove products and features

The Service is under continuous development. We may add, modify, re-package, re-price, move between plans, deprecate or discontinue any product, plan, feature or usage allowance at any time. Where a change materially reduces a paid feature you are currently using, we will give you at least 30 days' notice and, at our option, offer a comparable alternative, a pro-rated credit, or the right to cancel without penalty for the remainder of your paid period.

We will communicate changes as they happen. Nothing in this Section obliges us to maintain any particular product, plan or feature indefinitely.

5A.6 We may stop offering a plan, and let existing subscriptions lapse

We may withdraw any plan from sale at any time, and may decline to renew an existing subscription. Where we do, your subscription simply does not renew: you keep full access for the whole of the period you have already paid for, and we do not charge you again. We will tell you before your next renewal date so the lapse is not a surprise, and will say what happens to your data and what alternatives are available.

Because nothing you have paid for is withdrawn, no refund arises and no extended notice period applies to non-renewal.

5A.7 We may cancel a subscription mid-period

Where we cancel a subscription before the end of a period you have paid for, we will either give you at least 30 days' notice, or refund the unused portion of that period — at our option. We may cancel immediately and without refund where you have violated Section 11 (Acceptable Use), for fraud, for non-payment, or where required by law.

5A.8 Usage allowances

Paid plans carry usage allowances. We may apply, change or enforce reasonable allowances, rate limits and fair-use protections to keep the Service available for everyone. Where a feature carries a per-use cost to us — including AI-generated analysis — we may meter it and require an appropriate plan.

5A.9 Non-payment

If a payment fails we may retry it, notify you, and suspend or downgrade paid features until it is resolved. Suspension does not delete your data during the retention periods in Section 21.

5A.10 Promotional and beta pricing

Introductory, promotional, pilot and beta pricing is temporary and applies only for the stated period. It creates no expectation of continued availability at that price.

5A.11 Firms — pricing is negotiated, not published

Firm pricing is not published and firms are not on the plans described in 5A.1. A firm's fees are agreed individually in an order form or other written agreement, priced against the features included and the usage allowances (quota) that agreement specifies. The published pricing page does not apply to a firm that has one.

For the term of that agreement:

• The agreed fee, the included features and the agreed quota are fixed. 5A.4 (price changes), 5A.5 (changes to products and features) and 5A.8 (usage allowances) do not operate to increase a firm's fee, withdraw an included feature, or reduce an agreed quota during the term. Changes of that kind take effect at renewal, on the notice the agreement specifies or, if it is silent, on 30 days' notice before the renewal date.
• 5A.5 still permits KRTR to change how a feature works, or to replace it with a comparable one, provided the firm continues to receive the substance of what the agreement includes.
• Where the agreement and this Section conflict, the agreement governs, per the order of precedence in Section 27.

Members' personal accounts are separate. Where an individual who belongs to a firm also holds their own account outside it (Section 6.3), that account is billed under the published plans in 5A.1 and is unaffected by the firm's agreement.

Confidentiality of commercial terms. Fees, discounts and negotiated allowances agreed between KRTR and a firm are confidential to both parties and are not to be disclosed to third parties without consent, except as required by law or to a party's professional advisers.

5A.12 Consumer rights

Nothing in this Section removes a right you have under applicable consumer protection law that cannot be excluded by contract, including any statutory cooling-off, withdrawal or cancellation right, and any auto-renewal disclosure and cancellation requirement.

6. Firm Membership and Firm-Governed Access

This Section applies if you use the Service as a member of a firm.

6.1 Your firm governs your membership and your access

Your membership of a firm on the Service, and what you can see and do within it, are determined by your firm, not by KRTR. Your firm defines its own roles and decides, per role, who may view, download, edit or delete data within its account. We act on your firm's configuration and on its written instructions.

6.2 What your firm can see

Data you record within your firm's account — notes, assessments, dispositions, signals, tags and pipeline activity — is visible within that account according to your firm's configuration, and is your firm's data as between your firm and KRTR. Do not use your firm's account for material you would not want your firm to hold.

6.3 Your personal account is separate

Where you also hold an account outside your firm's, the two are distinct. Your firm's administrators do not gain access to your personal account by virtue of your membership.

6.4 Leaving a firm

If your membership ends, your access to your firm's account ends with it. Data you recorded within your firm's account remains your firm's. This does not delete your individual account.

6.5 Questions about your firm's configuration

Because your firm sets these controls, questions about what you can see, what your firm can see, or why your access changed are for your firm in the first instance. We will assist your firm's administrators.

7. AI-Generated Content Disclaimer

The Service uses artificial intelligence to generate analyses, scores, valuations, recommendations and other outputs ("AI Outputs"). AI Outputs are provided for informational and educational purposes only.

AI Outputs do not constitute professional financial, legal, investment, tax or business advice. AI technology, including the models we use, can produce inaccurate, incomplete or misleading results. You acknowledge that:

• AI Outputs are suggestions only and should be treated as one data point among many.
• You must independently verify all AI Outputs before relying on them for any business, financial or legal decision.
• We make no guarantee as to the accuracy, completeness, timeliness or reliability of any AI Output.
• AI-generated valuations, scores and assessments are estimates and may differ significantly from actual market conditions or investor evaluations.
• AI Outputs may reflect biases present in training data and are not objective or definitive evaluations.
• The Service is not a substitute for professional advisors.

You assume full responsibility for any action taken or decision made based on AI Outputs.

EEA and UK users: for your rights regarding automated processing, including the right to request human review, see Section 11 of our Privacy Policy.

8. How Your Data Is Used for AI, and What You Can Opt Out Of

v3.0 of these Terms offered a single blanket opt-out from "AI training." That was imprecise, because two different things were being described. v4 separates them.

8.1 Generating your own results — inherent, not opt-outable

Producing what you asked for requires processing what you gave us: analysing your documents, generating embeddings and indices, computing scores and reports, and retaining the analysis so you can return to it. This is the Service functioning, not a secondary use, and it cannot be opted out of while you use the Service.

8.2 Benchmarks and aggregate statistics — inherent, and de-identified

Scoring and benchmarking on the Service depend on contributions from all companies analysed on it. Your analyses contribute to range, benchmark and peer-standing calculations, as do everyone else's, from which you correspondingly benefit. These aggregates are de-identified: they do not identify you, your company, your firm, your positions or any individual deal. Because they are not traceable to you, they cannot be withdrawn once computed.

8.3 Training our models on your content — this is what you can opt out of

Separately from 8.1 and 8.2, we may use anonymised and aggregated content to train and improve our own models. Before any content is used this way we remove or de-identify personally identifiable information, including names, email addresses, company names, financial figures and team member identities, and we combine it with other users' content so that no single project can be identified or reconstructed.

You may opt out of this use by contacting privacy@krtr.ai. Opting out will not affect your access to the Service. Content already anonymised and incorporated into a training dataset cannot be removed, because it is no longer identifiable.

8.4 Firms and investors: no model training at all

Where the Data Terms apply, we do not use your data to train, fine-tune or improve any model, other than a model created for your own use on the platform, as the Data Terms permit. We also do not grant any provider permission to do so. The opt-out in 8.3 is therefore unnecessary for you — the position is already the default, by contract.

8.5 We do not sell your content

We do not sell your raw, identifiable content to any third party for their own model-development, analytical or commercial purposes.

9. Privacy, Sharing and Consent

9.1 Your own work is private by default

The notes, assessments, diligence and private workspaces you create are private to your account. We do not make them available to other users, to firms, to investors or to any third party except:

• where you cause it, through the Service's own sharing and access controls or your firm's configuration;
• as the de-identified aggregates in 8.2, which do not identify you; and
• where a deal is shared beyond your firm or account, other users may see the substance of an assessment rendered without the individual assessor's name. Firm identity may appear, because a firm is a public entity; an individual's is removed. Note this can be triggered by another party sharing the deal, not only by you;
• where you record an assessment inside a firm's account, it is attributed within that firm according to your firm's configuration;
• where you engage with a company on the Service, that company's founder sees which investors and firms have engaged with them, and each investor's recorded disposition. This is a product function, not a disclosure by us;
• to our service providers under Section 10.1, each bound to protect it;
• where disclosure is required by law, regulation, legal process or a governmental request, or is needed to protect the rights, property or safety of KRTR, our users or the public. Where we are lawfully able, we will give you prompt notice; and
• to a successor in a merger, acquisition or sale of assets, as described in our Privacy Policy.

Private workspace contents leave your account only by the named actions in Section 5.

9.2 The portable layer moves on the founder's settings

A Founder Workspace — a company's pitch materials and the analyses generated from them — is owned and controlled by that company's founder, who determines its visibility. Where a Founder Workspace becomes visible to you, you hold it on the terms the founder has set: it does not become yours, and you may not make it available beyond what the founder has permitted. What you write about it is yours.

9.3 New features

We may introduce features that operate on the portable layer described in 9.2, on the founder's visibility settings, without seeking further consent. A feature that would cause your own work to leave your account in identifiable form requires your consent before it applies to you, and consent to one such feature is not consent to another. You are never obliged to opt in, and declining does not affect your access to the core Service.

10. Your Content and Intellectual Property

10.1 Your content

You retain all ownership rights to the content, documents, data and materials you upload ("User Content"). By uploading User Content you grant KRTR a limited, non-exclusive, royalty-free licence to process, store, display (to you, to recipients you designate through sharing features, and to other users in accordance with the visibility settings you or your firm configure) and analyse your User Content solely to provide and improve the Service, including as described in Section 8. You also grant us the right to sublicense User Content to service providers solely to the extent necessary to provide the Service.

This licence terminates when you delete your User Content or your account, except as to anonymised content already incorporated into a training dataset under 8.3.

10.2 Our content

The Service — its design, code, AI models, analysis frameworks, scoring methodologies and other proprietary elements — is owned by KRTR and protected by intellectual property laws. As to Sourced Deals, we claim the compilation: our selection, arrangement, enrichment and maintenance of those records, not the underlying facts, which no one owns.

Sourced Deals are provided as-is. They are compiled from sources we consider reasonable and are not verified with the companies they describe. We make no representation that a Sourced Deal is accurate, complete or current, you must verify it before relying on it, and Sections 7 and 13 apply to it in full. If you believe a Sourced Deal misdescribes a company, tell us at support@krtr.ai and we will review it. You may not copy, modify, distribute, reverse-engineer or create derivative works of the Service without our prior written consent.

11. Acceptable Use

You agree not to:

• Upload content that is illegal, fraudulent, defamatory, or infringes the rights of others.
• Use the Service for any fraudulent or deceptive purpose, including misrepresenting a company's information to obtain investment.
• Attempt to reverse-engineer, decompile or extract the underlying AI models or algorithms.
• Use automated tools, scripts or bots to scrape, crawl or access the Service without authorisation. This does not restrict your use of agent interfaces we provide for ordinary interactive use, within your authorised view, at volumes consistent with evaluating opportunities individually — and it does not license the bulk extraction prohibited in the next bullet.
• Extract, export or reconstruct Sourced Deals in bulk, or use them to build or train a competing dataset or service.
• Interfere with or disrupt the Service, its servers or connected networks.
• Impersonate another person or entity, or misrepresent your affiliation.
• Share your credentials or allow unauthorised access to your account.
• Circumvent, or attempt to circumvent, a firm's access configuration or another user's visibility settings.

We may suspend or terminate your account for violations of this policy.

12. Agent Interfaces and Model Providers You Choose

The Service is built to be operated by agents. Where you drive it through an agent interface, that agent operates strictly within the authorised view of the user who connected it and cannot reach data that user could not reach through the Service directly. The boundary is your own account and your firm's configuration, not a separate restriction we impose.

This describes access by you and by other customers. It does not limit access by our own authorised personnel, which is covered by Section 9 of our Privacy Policy and is restricted to those with a need to know.

Where you connect an external agent client, or supply your own model credentials, data within your authorised view is transmitted to the provider you selected. That provider is chosen by you, is not engaged by us, and is outside the provider standard we apply to our own processing. You are responsible for that choice and for its consequences. Where you are a firm member, your firm determines which agent clients and model providers you may use.

12A. Other Users

The Service is used by founders, investors and firms with different interests. We are not responsible for the acts or omissions of other users, including what they do with material you share with them, whether they honour a visibility setting or a confidentiality obligation they owe you, or the accuracy of anything they record. Your arrangements with them are yours.

Where you make material available to another user, do so on terms you are willing to rely on. Section 14 applies to claims arising from your own conduct toward other users.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

IN NO EVENT SHALL KRTR, ITS OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS, THE DATA TERMS OR THE SERVICE SHALL NOT EXCEED:

(A) WHERE YOU HOLD A PAID PLAN OR AN ORDER FORM — THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR

(B) OTHERWISE — THE GREATER OF THE AMOUNT YOU PAID US IN THAT PERIOD AND ONE HUNDRED U.S. DOLLARS ($100).

This Section applies to every claim under these Terms and under the Data Terms, which do not modify it.

This limitation does not apply to (a) your indemnification obligations under Section 14, or (b) either party's liability for gross negligence, wilful misconduct or fraud.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability. In those jurisdictions our liability is limited to the fullest extent permitted by law. Nothing in these Terms excludes or limits our liability to the extent such exclusion is prohibited under applicable law, including the GDPR.

Where a negotiated agreement between KRTR and a customer sets a different limitation of liability, that agreement governs to the extent of the inconsistency — see Section 27.

14. Indemnification

You agree to indemnify, defend and hold harmless KRTR and its officers, directors, employees, contractors and agents from and against any claims, damages, losses, liabilities, costs and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service or violation of these Terms.
• User Content you upload or submit.
• Any decision you make or action you take based on AI Outputs.
• Your violation of any applicable law or regulation.
• Any third-party claim arising from your use of the Service.
• Any claim that your uploaded materials infringed or misappropriated a third party's intellectual property rights.
• Your grant of access to any person, and any act or omission of a person to whom you granted access.
• Your selection and use of any external agent client or model provider under Section 12.

15. Dispute Resolution and Arbitration

15.1 Informal resolution. Before initiating arbitration, the disputing party must send written notice describing the claim and the relief sought. The parties shall attempt to resolve the dispute informally for at least thirty (30) days.

15.2 Binding arbitration. Any dispute not resolved informally shall be resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules, conducted in the State of California, in English. KRTR will pay all JAMS filing and arbitration fees for claims under $10,000, except that if the arbitrator finds the claim frivolous the filing fees may be apportioned.

15.3 Class action waiver. Any arbitration or legal proceeding shall be conducted on an individual basis only. You waive any right to participate in a class action, collective action or representative proceeding.

This waiver is not severable from the agreement to arbitrate. If a court holds this Section 15.3 unenforceable in whole or in part as to any claim, then Section 15.2 is void as to that claim and it proceeds in a court of competent jurisdiction rather than in arbitration. Section 26 does not operate to preserve arbitration without this waiver, and class arbitration is not agreed to under any circumstances.

15.4 Exceptions. Either party may bring an individual action in small claims court in Delaware within that court's jurisdictional limits. Nothing in this Section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or misuse of confidential information.

15.5 EEA and UK users. If you are located in the EEA or UK you may also have the right to bring a claim before a court in your country of residence. Nothing here limits your right to lodge a complaint with your national data protection supervisory authority.

15.6 This Section governs disputes under the Data Terms. The Data Terms contain no separate arbitration agreement; disputes arising under them are resolved under this Section 15, including its class-action waiver. There is one dispute mechanism for these Terms and the Data Terms together.

15.7 Negotiated agreements. Where a signed agreement between KRTR and a customer provides its own dispute resolution mechanism, that mechanism governs disputes arising under that agreement.

16. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access. We may modify, suspend or discontinue any part of the Service at any time, with or without notice, and shall not be liable for doing so. Changes to plans, fees, products and features are governed by Section 5A, which sets the notice we give. Where a negotiated agreement provides a notice period before discontinuation, that notice period applies to that customer.

17. Beta and Experimental Features

Features labelled "beta," "experimental," "preview," "alpha" or similar are provided as-is with no guarantee of functionality, accuracy or continued availability, and may be changed or removed at any time without notice. Your use of them constitutes acceptance of additional risk, and Section 13 applies with full force.

18. Third-Party Services

The Service depends on third-party providers for cloud infrastructure, AI model processing, communications, payments, analytics and research. The current list of those providers is described by category in Section 6.1 of our Privacy Policy, and the named current list is maintained separately and available on request at privacy@krtr.ai — we hold it outside these Terms so that it stays accurate. Your use of any third-party service you connect yourself is subject to that provider's own terms. We are not responsible for outages, changes or issues arising from third-party services.

19. Communication

By holding an account you consent to receive service-related communications, including account verification, security alerts, product updates and system notifications. These are essential to the operation of the Service and cannot be opted out of while your account is active. Marketing and promotional email requires separate opt-in consent and can be unsubscribed from at any time.

20. Account Termination

By you. You may terminate your account at any time by contacting support@krtr.ai. On termination you may request export of your data.

By us. We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or at our discretion, with notice where reasonably practicable.

Effect. Your right to use the Service ceases immediately. We will delete your data within a reasonable time, except as required by law, as to anonymised content already incorporated into a training dataset, and as to records that were never yours to delete — a Founder Workspace owned by a founder, and a Sourced Deal maintained by KRTR. In both of those cases your own layer is removed and the underlying record remains.

Firms. Where the Data Terms apply, the return, deletion and export provisions of those Terms govern.

21. Data Retention and Export

Your data is retained while your account is active. You may request a copy at any time by contacting privacy@krtr.ai. On account deletion we remove your personally identifiable data within 30 days, except: data we must retain by law; anonymised and aggregated data already incorporated into a training dataset; backup copies, purged on a rolling 90-day schedule; and the categories our Privacy Policy holds for longer, including usage and analytics data for up to 24 months and payment records for 7 years as financial regulation requires. Section 8 of the Privacy Policy is the full schedule; this list is not exhaustive. Firms and investors have broader export rights under the Data Terms, exercisable at any time without terminating.

22. Modification of These Terms

We may update these Terms. We will notify you of material changes at least 30 days before they take effect, by posting the updated Terms on our website and/or sending you an email notification. Your continued use after the effective date constitutes acceptance. Where a change is material and you do not agree, you must stop using the Service and may request account deletion. No update to these Terms reduces an obligation KRTR owes under the Data Terms or under a negotiated agreement as to data already held.

23. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law provisions. Any legal action not subject to arbitration shall be brought exclusively in the state or federal courts of Delaware. Nothing here limits mandatory rights you have under the law of your country of residence that cannot be excluded by contract.

24. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident you have rights to know, to delete, to correct, to opt out of sale or sharing (we do not sell personal information), and to non-discrimination for exercising them. Contact privacy@krtr.ai. See our Privacy Policy for detail.

25. Your EEA and UK Privacy Rights (GDPR / UK GDPR)

If you are located in the EEA or UK you have rights of access (Art. 15), rectification (Art. 16), erasure (Art. 17), restriction (Art. 18), portability (Art. 20), objection (Art. 21), rights related to automated decisions (Art. 22), withdrawal of consent, and the right to lodge a complaint with a supervisory authority. Contact privacy@krtr.ai or our EU Representative below. We respond within 30 days.

Note on our role. For some processing we act as a controller; for data held within a firm's or investor's account we generally act as a processor on that customer's instructions, and a request about that data may need to be directed to them. Section 1 of our Privacy Policy explains which is which.

EU Representative (Art. 27 GDPR): Milan Saes, Marcus Aurelius 34, Born, 6121NX, Netherlands — [milan@crossoceanfund.com](mailto:milan@crossoceanfund.com)

25A. Survival, Assignment and Other General Terms

25A.1 Survival. Sections 4.1, 7, 10, 11, 13, 14, 15, 20, 21, 23, 26 and 27 survive termination of these Terms, together with any provision that by its nature is intended to.

25A.2 Assignment. You may not assign these Terms without our prior written consent. We may assign them to an affiliate or in connection with a merger, acquisition, reorganisation or sale of assets, on notice to you; a change of control does not of itself reduce a commitment we have made under the Data Terms or a negotiated agreement.

25A.3 Copyright complaints. If you believe material on the Service infringes your copyright, send a notice with the information required by 17 U.S.C. §512(c)(3) to support@krtr.ai. We will respond as the Digital Millennium Copyright Act provides, and we may terminate the accounts of repeat infringers.

25A.4 Feedback. If you send us suggestions about the Service, you grant us a perpetual, irrevocable, royalty-free licence to use them without obligation to you. We will not identify you as their source without your permission.

25A.5 No waiver. A failure to enforce any provision is not a waiver of it, and a waiver on one occasion is not a waiver on another.

25A.6 Force majeure. Neither party is liable for a failure to perform caused by an event beyond its reasonable control, other than an obligation to pay.

25A.7 Export and sanctions. You represent that you are not located in, and are not acting on behalf of a person located in, a country or on a list subject to United States sanctions or export restrictions applicable to the Service.

25A.8 Time to bring a claim. Any claim arising out of or related to these Terms or the Service must be brought within one (1) year after it arises, or it is permanently barred, except where applicable law does not permit that limit.

25A.9 Notices. We may give you notice by email to your account address, or by posting in the Service. You give us notice at the addresses in Section 28. A notice by email is deemed received on transmission absent a delivery failure.

26. Severability

If any provision of these Terms is held invalid, illegal or unenforceable, the remaining provisions continue in full force and effect.

27. Order of Precedence

These Terms, together with our Privacy Policy, the Data Terms where they apply, and any negotiated agreement, are the entire agreement between you and KRTR regarding your use of the Service, and supersede prior agreements or understandings on the same subject matter.

Where they conflict, the following order applies, highest first:

1. A negotiated written agreement signed by KRTR and a customer, as to the subject matter of that agreement. 2. The Data Terms, as to any matter they address. 3. These Terms of Service and the Privacy Policy.

Nothing in these Terms or the Privacy Policy, in any version, shall be read to reduce an obligation KRTR owes under a document ranked above them.

What the Data Terms do not displace. The Data Terms state expressly, at their Section 12.3, that they do not modify the limitation of liability (Section 13), the warranty disclaimer (Section 13), the indemnification provisions (Section 14) or the dispute-resolution provisions (Section 15) of these Terms. Those Sections apply in full to every claim, including a claim arising under the Data Terms. Rank 2 above operates subject to that.

28. Contact

• KRTR, Inc., 1111B S Governors Ave, Ste 58459, Dover, DE 19904, United States
• Privacy: privacy@krtr.ai
• General: info@krtr.ai
• Support: support@krtr.ai