TERMS OF
SERVICE.

These Terms of Service (“Terms”) govern access to and use of SpektAI websites, software, interfaces, hosted services, AI-enabled tools, account-connectivity features, deployments, and related services (collectively, the “Services”).

SpektAI is operated by Monroe Inc., a Utah corporation, doing business as SpektAI (“SpektAI,” “we,” “us,” or “our”). If you access or use the Services on behalf of a company or other organization, you represent that you have authority to bind that organization, and “you” includes that organization.

By accessing or using the Services, creating an account, authorizing a connection, purchasing a deployment, accepting an order form, or otherwise using a SpektAI deployment, you agree to these Terms.

1. ELIGIBILITY AND AUTHORITY

You must be at least 18 years old and legally capable of entering into a binding agreement. If you use the Services for an organization, you represent that you are authorized to act for that organization.

You may connect, upload, submit, or authorize access only to information, systems, accounts, files, devices, and third-party services that you have the legal right and authority to use.

2. WHAT SPEKTAI PROVIDES

SpektAI provides private AI infrastructure and governed execution tools designed to work from authorized context, data sources, models, tools, and user instructions. Depending on the deployment, the Services may include:

• AI-assisted analysis, drafting, research, organization, and execution;
• source and file connectivity;
• model routing and access to third-party AI models;
• account, device, or service integrations;
• governed memory, context, and source-reference functions;
• voice, phone, messaging, browser, API, or other interfaces;
• workflow automation and authorized tool execution; and
• implementation, deployment, support, or professional services.

Specific features, service levels, fees, limits, and deliverables may be described in an order form, proposal, statement of work, invoice, deployment page, or other written agreement. If a signed written agreement conflicts with these Terms, the signed agreement controls for that engagement.

3. PRIVATE AI DEPLOYMENT PURCHASE

The publicly listed SPEKT.ai Private AI Deployment is a one-time deployment-start service currently priced at US$2,500 unless the checkout page states otherwise. Purchase initiates onboarding and deployment work; it is not an unlimited subscription, hardware purchase, lifetime license, or promise of unlimited model or API usage.

Unless expressly included in a written order, hardware, telecommunications, third-party model or API usage, cloud charges, custom integrations, custom software development, data migration, ongoing support, and recurring services are separate and may require additional fees or terms.

Setup, implementation, or deployment fees become non-refundable once SpektAI begins substantive deployment work for the purchased engagement, except where law requires otherwise or SpektAI agrees otherwise in writing.

4. SOURCE TRUTH, AI OUTPUTS, AND HUMAN RESPONSIBILITY

AI systems can make mistakes. Models, providers, data, and outputs may change over time.

SpektAI is designed to preserve authorized source context and provenance where technically available, but we do not warrant that any model output, generated content, recommendation, classification, summary, prediction, or automated action is complete, accurate, current, or suitable for a particular purpose.

You are responsible for reviewing outputs and for decisions made from them. You must use appropriate human review before relying on the Services for legal, medical, employment, credit, insurance, safety-critical, investment, tax, or other consequential decisions.

Unless separately agreed in writing, SpektAI is not acting as your attorney, accountant, physician, fiduciary, broker-dealer, investment adviser, bank, lender, money transmitter, credit reporting agency, or other licensed professional.

5. FINANCIAL ACCOUNT CONNECTIVITY; PLAID

At your direction, the Services may allow you to connect financial accounts or obtain authorized financial information through third-party connectivity providers, including Plaid Inc. (“Plaid”), financial institutions, or similar providers.

When you choose to connect an account:

• you authorize SpektAI and the applicable connectivity provider to request, receive, process, and use the categories of account information you select or authorize for the purpose of providing the Services;
• information made available may include institution information, account identifiers, account type, balances, transaction information, and other data made available by the connected institution and authorized by you;
• you represent that you are an authorized user of the connected account and have the right to provide the requested authorization;
• the connectivity provider and your financial institution may impose their own terms, privacy notices, availability limits, and security procedures; and
• you may be able to revoke or modify a connection through the relevant provider, financial institution, or SpektAI interface, subject to technical and legal retention requirements.

SpektAI does not intentionally ask you to provide online-banking passwords directly to SpektAI when a third-party connection flow is available. Credentials or authentication information may instead be handled by Plaid, the financial institution, or another authorized connectivity provider.

Unless a separate written service expressly states otherwise, financial-account connectivity under these Terms is for authorized data access and related functionality. These Terms do not authorize SpektAI to initiate payments, transfers, securities trades, loans, or other movement of funds on your behalf.

SpektAI is not responsible for outages, incorrect data, delayed data, account restrictions, or other acts or omissions of Plaid, a financial institution, or another third-party provider.

6. CUSTOMER CONTENT AND AUTHORIZED DATA

“Customer Content” means information, files, messages, images, recordings, prompts, records, account data, instructions, and other materials that you submit to or authorize the Services to access.

As between you and SpektAI, you retain your rights in Customer Content.

You grant SpektAI a limited, non-exclusive right to host, copy, process, transmit, transform, index, retrieve, and otherwise use Customer Content only as reasonably necessary to provide, secure, support, maintain, and improve the Services you use, comply with law, and enforce these Terms.

You are responsible for ensuring that your Customer Content and instructions do not violate law, contractual obligations, intellectual-property rights, privacy rights, or security requirements.

SpektAI does not sell Customer Content. SpektAI does not intentionally use private Customer Content to train a shared public model unless that use is separately disclosed and expressly authorized.

7. PRIVACY AND SECURITY

Our handling of personal information is described in the applicable SpektAI Privacy Policy.

We use administrative, technical, and organizational measures intended to protect the Services and Customer Content. No system is completely secure, and we cannot guarantee that unauthorized access, loss, or misuse will never occur.

You are responsible for maintaining the confidentiality of credentials, devices, access links, and authentication methods under your control and for promptly notifying us of suspected unauthorized access.

8. THIRD-PARTY SERVICES AND MODEL PROVIDERS

The Services may interoperate with third-party products and services, including AI-model providers, cloud providers, communications providers, financial-data providers, browsers, APIs, productivity tools, payment processors, and storage systems.

Third-party services are governed by their own terms and privacy practices. SpektAI does not control and is not responsible for third-party services, their availability, their content, or changes they make to their products or policies.

Where a deployment permits you to select or authorize a third-party model or service, you are responsible for ensuring that use is appropriate for the information you provide.

9. ACCOUNTS, ACCESS, AND ACCEPTABLE USE

You may not use the Services to:

• violate law or another person’s rights;
• gain unauthorized access to an account, device, network, system, or data source;
• submit data that you do not have authority to provide;
• distribute malware or intentionally interfere with the Services;
• bypass access controls, usage limits, approval gates, or security protections;
• impersonate another person or misrepresent your authority;
• use the Services to facilitate fraud, theft, unlawful surveillance, or deceptive activity; or
• resell or sublicense the Services except under a written agreement with SpektAI.

We may restrict or suspend access where reasonably necessary to protect users, the Services, third parties, or legal compliance.

10. AUTHORIZED ACTIONS AND AUTOMATION

Some Services may allow an AI-enabled workflow, AVTR, integration, or tool to take actions based on your instructions and permissions.

You are responsible for defining and reviewing the scope of authority you grant. SpektAI may require additional confirmation, approval, or authentication before certain actions.

Unless specifically authorized by you and supported by the applicable deployment, the Services should not be treated as having permission to send communications, enter contracts, make purchases, transfer funds, trade securities, delete data, or take other material external actions on your behalf.

11. FEES, BILLING, AND TAXES

Fees are stated in the applicable checkout page, order form, proposal, invoice, or other commercial terms.

Unless otherwise stated in writing:

• recurring fees may be billed in advance;
• usage-based or third-party charges may be billed in arrears or as incurred;
• you are responsible for applicable taxes, duties, or government charges other than taxes on SpektAI’s net income; and
• we may suspend paid Services for overdue undisputed amounts after reasonable notice.

Third-party providers may impose separate charges.

12. SPEKTAI INTELLECTUAL PROPERTY

SpektAI and its licensors retain all rights in the Services and underlying technology, including software, interfaces, product design, architecture, workflows, orchestration, schemas, methods, model-routing logic owned by SpektAI, AVTR-related technology, Room or context-governance systems, 1SCHOTZ-related technology used within the platform, documentation, trademarks, and improvements.

Except for Customer Content, no ownership rights are transferred to you unless a signed written agreement expressly says otherwise.

Subject to payment of applicable fees and these Terms, SpektAI grants you a limited, non-exclusive, non-transferable right to use the Services during the applicable service period.

Ownership or licensing of custom deliverables, source code, datasets, designs, or other project-specific work is governed by the applicable written order form or statement of work.

13. FEEDBACK

If you voluntarily provide product feedback, suggestions, or ideas, you grant SpektAI a perpetual, worldwide, royalty-free right to use that feedback to improve or develop products and services, provided we do not identify you publicly as the source without permission.

14. CONFIDENTIALITY

If SpektAI and you exchange non-public business, technical, financial, or operational information that a reasonable person would understand to be confidential, each party will use reasonable care to protect that information and use it only for the relationship, except where disclosure is authorized or required by law.

A separate nondisclosure agreement controls if one applies.

15. BETA, EXPERIMENTAL, AND EARLY-ACCESS FEATURES

Some Services may be labeled beta, experimental, preview, pilot, early access, or otherwise pre-release. Those features may change, fail, be interrupted, or be discontinued and are provided without service-level commitments unless otherwise agreed in writing.

16. DISCLAIMERS

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

SPEKTAI DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR THAT AI OUTPUTS OR THIRD-PARTY DATA WILL BE ACCURATE OR CURRENT.

Nothing in these Terms excludes rights or warranties that cannot lawfully be excluded.

17. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPEKTAI AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, BUSINESS, GOODWILL, OR DATA, ARISING FROM OR RELATED TO THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPEKTAI’S TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO SPEKTAI FOR THE AFFECTED SERVICES DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) US$100.

These limitations do not apply to liability that cannot lawfully be limited.

18. INDEMNIFICATION

If you use the Services on behalf of a business or organization, you will defend and indemnify SpektAI and its affiliates, officers, directors, employees, and contractors from third-party claims, damages, and reasonable costs arising from your unlawful use of the Services, your violation of these Terms, or Customer Content or connections that you were not authorized to provide, except to the extent caused by SpektAI’s own unlawful conduct.

19. SUSPENSION AND TERMINATION

You may stop using the Services at any time, subject to payment obligations and any applicable order form.

We may suspend or terminate access if you materially violate these Terms, create a security or legal risk, fail to pay undisputed amounts, or if continued provision becomes unlawful or technically impracticable.

Upon termination, provisions that by their nature should survive—including payment obligations, ownership, confidentiality, disclaimers, limitations of liability, and dispute provisions—will survive.

20. CHANGES TO THE SERVICES OR TERMS

We may modify the Services and these Terms from time to time. If a change materially affects your rights, we will provide reasonable notice through the Services, website, email, or another appropriate channel.

Continued use after the effective date of updated Terms constitutes acceptance, except where law requires another form of consent.

21. AFFILIATED BRANDS AND SEPARATE ENTITIES

SpektAI may be presented alongside or linked with BFI Ventures, Schotz Enterprises, NMM, NewCo entities, or other affiliated or collaborating brands.

Those brands or operating companies may be separate legal entities. These Terms govern only the SpektAI Services unless a separate written agreement expressly provides otherwise.

22. GOVERNING LAW AND VENUE

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

Unless a signed agreement provides otherwise, any dispute arising from these Terms or the Services will be brought in the state or federal courts located in New York County, New York, and each party consents to personal jurisdiction and venue there.

Nothing in this section prevents either party from seeking temporary or injunctive relief where necessary to protect confidential information, intellectual property, security, or access rights.

23. GENERAL TERMS

These Terms, together with any applicable checkout disclosure, order form, statement of work, and other incorporated written terms, constitute the agreement concerning the Services covered by them.

If any provision is unenforceable, the remaining provisions remain in effect.

Failure to enforce a provision is not a waiver.

You may not assign these Terms without SpektAI’s consent, except in connection with a permitted corporate reorganization or sale of substantially all relevant assets. SpektAI may assign these Terms in connection with a merger, reorganization, financing, or sale of the relevant business or assets.

Electronic records, electronic acceptance, and electronic communications may be used to form and administer the relationship to the extent permitted by law.

24. CONTACT

Questions about these Terms may be submitted through the SpektAI contact route available on the BFI Ventures website while the standalone SpektAI domain is unavailable.

Monroe Inc.

d/b/a SpektAI

United States