Terms of Service

1. Eligibility

You must be at least 18 years of age to use the Service. By creating 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, organization, 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.

2. Account Registration

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date. You are responsible for safeguarding your password and for all activities that occur under your account. You must notify us immediately at support@krtr.ai of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.

3. Description of Service

KRTR.ai is an AI-powered platform that helps startup founders analyze their fundraising materials through the lens of venture capital evaluation. The Service provides AI-generated assessments, pitch deck analysis, market research, team evaluation, feedback analysis, and other startup-related insights designed to help founders prepare for fundraising.

3.1 No Confidentiality Obligation

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

• KRTR.ai does not owe you any duty of confidentiality or non-disclosure regarding your uploaded materials, and use of the Service does not create a non-disclosure agreement between you and KRTR.ai.
• Use of the Service does not create a fiduciary relationship, attorney-client relationship, investment advisory relationship, or any other privileged relationship between you and KRTR.ai, its founders, affiliates, or related entities.
• KRTR.ai'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 that are similar to or competitive with your business, independent of any information you upload to the Service.
• KRTR.ai, its founders, officers, employees, and affiliates (including but not limited to NuFund Venture Group and Cross Ocean Ventures) shall have no liability for any 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 that you are not willing to have processed by AI systems. You assume all risk associated with uploading sensitive business information to the platform.

3.2 No Investment Advice or Endorsement

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

4. AI-Generated Content Disclaimer

The Service uses artificial intelligence to generate analyses, scores, valuations, recommendations, and other outputs ("AI Outputs"). These 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 in your decision-making process.
• You must independently verify all AI Outputs before relying on them for any business, financial, or legal decisions.
• We make no guarantees regarding the accuracy, completeness, timeliness, or reliability of any AI Outputs.
• AI-generated valuations, scores, and assessments are estimates based on available data and may differ significantly from actual market conditions or investor evaluations.
• AI Outputs may reflect biases present in training data and should not be interpreted as objective or definitive evaluations.
• The Service is not a substitute for professional advisors, including attorneys, accountants, financial advisors, or investment professionals.

You assume full responsibility for any actions taken or decisions made based on AI Outputs provided by the Service.

EEA and UK users: for your rights regarding automated processing, including the right to request human review of AI-generated assessments, please refer to Section 8 of our Privacy Policy.

5. Data Use for AI Training & Development

By using the Service, you consent to the use of your project data in anonymized and aggregated form for the purpose of AI model training, improvement, and development. Specifically:

• Anonymization: Before any data is used for training purposes, we remove or de-identify all personally identifiable information (PII), including names, email addresses, company names, financial figures, team member identities, and any other information that could reasonably identify the source project or its principals.
• Irreversibility: Anonymized data cannot be re-identified or traced back to a specific user or project using any means reasonably available to us.
• Aggregation: Individual project data is combined with data from other users so that no single user's project can be identified or reconstructed from the training data.
• Purpose: This data is used solely to improve the quality and accuracy of our AI models and to develop new features and capabilities for the platform.
• No Third-Party Sale: We do not sell your raw, identifiable project data to third parties for their own AI training purposes.
• Opt-Out Right: You may opt out of having your project data used for AI training purposes by contacting privacy@krtr.ai. Opting out will not affect your access to the Service. Data already incorporated into training datasets prior to your opt-out request cannot be removed, as it has been anonymized and is non-identifiable.

6. Project Privacy & Data Sharing

Your projects are private by default. We will never share, disclose, or make accessible your individual project data to any third party without your explicit, separate consent. This includes other users of the platform, venture capital firms or investors, potential partners, experts, or advisors, and any external organization or individual.

You control the visibility of your projects and data. Any sharing functionality (such as shared reports) requires your affirmative action to enable.

7. Future Features & Separate Consent

We are developing additional features that may include, but are not limited to: VC access and introductions, expert matching, and founder connections. Each of these features will require separate, opt-in consent before any of your data is shared or used for these purposes. You will be clearly notified and asked to agree before any such feature is activated for your account. You are never obligated to opt in, and declining will not affect your access to the core Service.

8. User Content & Intellectual Property

8.1 Your Content

You retain all ownership rights to the content, documents, data, and materials you upload to the Service ("User Content"). By uploading User Content, you grant KRTR.ai a limited, non-exclusive, royalty-free license to process, store, display (to you through your account interface and to recipients you designate through sharing features), and analyze your User Content solely for the purpose of providing and improving the Service, including AI training as described in Section 5. You further grant KRTR.ai the right to sublicense User Content to third-party service providers solely to the extent necessary to provide the Service (e.g., cloud infrastructure and AI model providers).

This license terminates when you delete your User Content or your account, except with respect to anonymized data already incorporated into AI training datasets as described in Section 5.

8.2 Our Content

The Service, including its design, code, AI models, analysis frameworks, scoring methodologies, and all other proprietary elements, is owned by KRTR.ai and protected by intellectual property laws. You may not copy, modify, distribute, reverse-engineer, or create derivative works of the Service without our prior written consent.

9. Acceptable Use Policy

You agree not to:

• Upload any content that is illegal, fraudulent, defamatory, or infringes on the rights of others.
• Use the Service for any fraudulent or deceptive purpose, including misrepresenting your startup'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 authorization.
• Interfere with or disrupt the Service, servers, or networks connected to the Service.
• Impersonate another person or entity or misrepresent your affiliation with any person or entity.
• Share your account credentials with others or allow unauthorized access to your account.

We reserve the right to suspend or terminate your account for violations of this policy.

10. 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.AI, 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 CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

This limitation of liability does not apply to (a) your indemnification obligations under Section 11, or (b) either party's liability for gross negligence, willful misconduct, or fraud.

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

11. Indemnification

You agree to indemnify, defend, and hold harmless KRTR.ai 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 through the Service.
• Any decisions you make or actions 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.

12. Dispute Resolution & Arbitration

12.1 Informal Resolution

Before initiating arbitration, the disputing party must send a written notice of dispute to the other party at the contact information below, describing the claim and the specific relief sought. The parties shall attempt to resolve the dispute informally for at least thirty (30) days before initiating arbitration.

12.2 Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service that is not resolved informally shall be resolved by binding arbitration administered by JAMS in accordance with its Streamlined Arbitration Rules. The arbitration shall be conducted in the State of California, and the language of arbitration shall be English. KRTR.ai will pay all JAMS filing and arbitration fees for claims under $10,000, except that if the arbitrator finds the claim was frivolous, the filing fees may be apportioned.

12.3 Class Action Waiver

You agree that 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.

12.4 Exceptions

Notwithstanding the above, either party may bring an individual action in small claims court in Delaware for disputes within the 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 the actual or threatened infringement of intellectual property rights.

12.5 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 in this Section limits your right to lodge a complaint with your national data protection supervisory authority regarding the processing of your personal data. For data protection disputes, you may contact our EU Representative (see Section 22).

13. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access to the Service. We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable for any modification, suspension, or discontinuance of the Service.

14. Beta & Experimental Features

Certain features of the Service may be labeled as "beta," "experimental," "preview," "alpha," or similar designations. These features are provided "as-is" with no guarantees of functionality, accuracy, or continued availability. Beta features may be changed, modified, or removed at any time without notice. Your use of beta features constitutes acceptance of additional risk, and the limitation of liability in Section 10 applies with full force to all beta and experimental features.

15. Third-Party Services

The Service integrates with third-party services including Google Cloud, Firebase, Google Vertex AI, LinkedIn, and others. Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for any outages, changes, or issues arising from third-party services.

16. Communication

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

17. Account Termination

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

By Us: We may suspend or terminate your account at any time if you violate these Terms, engage in fraudulent activity, or for any other reason at our sole discretion, with notice when reasonably practicable.

Upon termination, your right to use the Service ceases immediately. We will delete your data within a reasonable timeframe, except as required by law or for anonymized data already incorporated into AI training datasets.

18. Data Retention & Export

Your data is retained for as long as your account is active. You may request a copy of your data at any time by contacting privacy@krtr.ai. Upon account deletion, we will remove your personally identifiable data within 30 days, except: data we are required to retain by law; anonymized and aggregated data that has already been incorporated into AI training datasets (which cannot be traced back to you); and backup copies, which are purged on a rolling 90-day schedule.

19. Modification of Terms

We may update these Terms from time to time. 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 of the Service after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may request account deletion.

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in the State of Delaware.

Nothing in this section limits any mandatory rights you may have under the laws of your country of residence that cannot be excluded by contract.

21. Your California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt-Out: You may opt out of the sale or sharing of your personal information. We do not sell personal information. To opt out of any sharing, contact us at privacy@krtr.ai.
• Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

For more details, please see our Privacy Policy.

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

If you are located in the European Economic Area (EEA) or United Kingdom, you have additional rights under the General Data Protection Regulation (GDPR) and UK GDPR, including:

• Right of Access (Art. 15): Request a copy of the personal data we hold about you.
• Right to Rectification (Art. 16): Request correction of inaccurate or incomplete personal data.
• Right to Erasure (Art. 17): Request deletion of your personal data where there is no compelling reason for continued processing.
• Right to Restrict Processing (Art. 18): Request that we limit how we use your personal data in certain circumstances.
• Right to Data Portability (Art. 20): Receive your personal data in a portable, machine-readable format.
• Right to Object (Art. 21): Object to processing based on legitimate interests or for direct marketing.
• Rights Related to Automated Decisions (Art. 22): Request human review of AI-generated assessments. See Section 4 above and Section 8 of our Privacy Policy.
• Right to Withdraw Consent: Withdraw consent at any time for processing based on consent, without affecting prior lawful processing.
• Right to Lodge a Complaint: Lodge a complaint with your national data protection supervisory authority.

To exercise these rights, contact privacy@krtr.ai or our EU Representative below. We will respond within 30 days. For more details, see our Privacy Policy.

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

23. Severability

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

24. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and KRTR.ai regarding your use of the Service. These Terms supersede any prior agreements or understandings, whether written or oral.

25. Contact Us

If you have any questions about these Terms, please contact us:

• 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

EU Representative: Milan Saes, Marcus Aurelius 34, Born, 6121NX, Netherlands — milan@crossoceanfund.com