Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the InBlack platform, including all related websites, applications, APIs, and services (collectively, the "Service"), operated by RiderLabs LLC ("Company," "we," "us," or "our"), a limited liability company organized under the laws of the State of Wyoming with operations in Colorado.

By accessing or using the Service, you agree to be bound by these Terms. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Description of Service

InBlack is an AI-native business platform that provides accounting, commerce operations, storefront generation, customer intelligence, and reporting tools for small businesses. The Service integrates with third-party providers (such as Shopify, Stripe, Amazon, Etsy, and Plaid) to aggregate, process, and present your business data.

The Service uses artificial intelligence to generate insights, content, journal entries, and other outputs. AI-generated outputs are provided as tools to assist your business decisions and should not be treated as professional financial, legal, or tax advice.

3. Accounts and Registration

To use the Service, you must create an account. You agree to provide accurate, complete, and current information during registration and to keep your account information up to date. You are responsible for safeguarding your account credentials and for all activity that occurs under your account.

You must be at least 18 years of age to create an account. If you are under 18, you may not use the Service.

4. Organizations and Multi-User Access

The Service supports multi-organization and multi-user access. The individual who creates an organization is designated as the organization owner. Organization owners are responsible for managing user access, permissions, and ensuring that all users within their organization comply with these Terms.

We are not responsible for unauthorized access to your organization resulting from your failure to properly manage user permissions or secure your credentials.

5. Acceptable Use

You agree not to use the Service to: violate any applicable law or regulation; infringe upon the intellectual property rights of others; transmit malware, viruses, or other harmful code; attempt to gain unauthorized access to the Service or its related systems; interfere with or disrupt the integrity or performance of the Service; use the Service to engage in fraudulent activity; reverse engineer, decompile, or disassemble any aspect of the Service; or use automated means to access the Service beyond what is provided through our APIs.

6. Your Data

You retain all rights to data you provide to the Service ("Your Data"). By using the Service, you grant us a limited, non-exclusive license to process, store, and display Your Data solely for the purpose of providing and improving the Service.

We do not sell Your Data to third parties. We may share Your Data with third-party service providers (such as payment processors, cloud infrastructure providers, and AI model providers) only as necessary to operate the Service, subject to appropriate confidentiality obligations.

You are solely responsible for ensuring that you have the right to provide Your Data to the Service and that such provision does not violate any third-party rights or applicable laws.

7. Third-Party Integrations

The Service integrates with third-party platforms and services. Your use of these integrations is subject to the applicable third party's terms of service and privacy policy. We are not responsible for the availability, accuracy, or practices of third-party services.

When you connect a third-party account (e.g., Shopify, Stripe, bank accounts via Plaid), you authorize us to access and retrieve data from those accounts as necessary to provide the Service. You may revoke this authorization at any time by disconnecting the integration in your account settings.

8. AI-Generated Content

The Service uses artificial intelligence to generate journal entries, financial insights, product descriptions, storefronts, reports, and other content. While we strive for accuracy, AI-generated outputs may contain errors or inaccuracies.

You are responsible for reviewing and verifying all AI-generated content before relying on it for business decisions. AI-generated financial data, including journal entries and financial statements, should be reviewed by a qualified accountant or financial professional before being used for tax filing, regulatory compliance, or investment decisions.

9. Subscription and Payment

Certain features of the Service require a paid subscription. Subscription fees are billed in advance on a monthly or annual basis, depending on the plan you select. All fees are non-refundable except as expressly stated in these Terms or as required by applicable law.

We may change our pricing at any time. If we change the pricing for your current subscription, we will provide you with at least 30 days' notice before the price change takes effect. Your continued use of the Service after the price change constitutes acceptance of the new pricing.

10. Free Tier

We offer a free tier with limited functionality. The free tier is provided "as is" and may be modified, limited, or discontinued at any time without notice. We reserve the right to impose usage limits on free tier accounts.

11. Intellectual Property

The Service, including its design, code, features, documentation, and branding, is the property of RiderLabs LLC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our prior written consent.

Content generated by the AI features of the Service for your use (such as product descriptions, storefront designs, and financial insights) is licensed to you for use in connection with your business. We do not claim ownership of AI-generated outputs created specifically for your account.

12. Termination

You may terminate your account at any time by contacting us at hello@getinblack.com or through your account settings. We may suspend or terminate your access to the Service at any time if we reasonably believe you have violated these Terms, if required by law, or if we discontinue the Service.

Upon termination, your right to access the Service will cease immediately. We will make Your Data available for export for 30 days following termination, after which we may delete it. Provisions that by their nature should survive termination will survive, including sections on intellectual property, limitation of liability, and dispute resolution.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY AI-GENERATED CONTENT, FINANCIAL DATA, OR INSIGHTS PROVIDED THROUGH THE SERVICE. THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL, LEGAL, OR TAX ADVICE.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RIDERLABS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT 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 ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

15. Indemnification

You agree to indemnify, defend, and hold harmless RiderLabs LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall take place in the State of Wyoming.

You agree to waive any right to a jury trial and to participate in a class action lawsuit or class-wide arbitration against RiderLabs LLC.

17. Modifications to Terms

We may modify these Terms at any time. If we make material changes, we will provide notice through the Service or by email at least 30 days before the changes take effect. Your continued use of the Service after the effective date of the revised Terms constitutes acceptance of the changes.

18. Miscellaneous

These Terms constitute the entire agreement between you and RiderLabs LLC regarding the Service and supersede all prior agreements and understandings. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

19. Contact

If you have questions about these Terms, please contact us at hello@getinblack.com.