Effective: April 4, 2026
These Terms of Use (these “Terms”) constitute a legally binding agreement between you (“you” or “User”) and OTB Capital, LLC, a Delaware limited liability company doing business as Rucks AI (“Rucks AI,” “we,” “us,” or “our”). These Terms govern your access to and use of the Rucks AI platform located at rucks.ai, including the web application at chat.rucks.ai, the administrative panel at admin.rucks.ai, and any related services, features, content, or applications (collectively, the “Platform”).
By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Platform.
IMPORTANT: These Terms contain an arbitration agreement and a class action waiver in Section 14. Please read these provisions carefully, as they affect your legal rights regarding the resolution of disputes.
You must be at least 18 years of age, or the minimum age required to consent to use online services in your jurisdiction (whichever is higher), to access or use the Platform. By using the Platform, you represent and warrant that you meet these age requirements and have the legal capacity to enter into these Terms. If you are using the Platform on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.
Rucks AI is an AI work platform that helps individuals and organizations retrieve institutional and personal knowledge, create content, collaborate, and govern information with clear boundaries and provenance. The Platform uses artificial intelligence, including third-party large language models, to process queries, generate outputs, and facilitate knowledge management.
Rucks AI does not provide professional advice. The Platform is a knowledge management and AI-assisted work tool. Outputs generated by the Platform are not intended as, and should not be construed as, legal, financial, medical, tax, investment, or other professional advice. You should always consult with qualified professionals for decisions requiring specialized expertise.
To access the Platform, you must create an account by providing accurate, current, and complete registration information. You are responsible for maintaining the accuracy of your account information and for updating it as necessary.
You are solely responsible for safeguarding your account credentials, including your password. You must not share your account credentials with any third party. You agree to immediately notify us at security@rucks.ai if you become aware of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account credentials.
We reserve the right to suspend or terminate your account at any time, with or without notice, for any reason, including but not limited to a violation of these Terms. Upon termination, your right to access and use the Platform will immediately cease.
You agree to use the Platform only for lawful purposes and in compliance with these Terms. You must not:
The Platform uses artificial intelligence and machine learning technologies, including third-party large language models, to generate responses, summaries, analyses, and other content (“Outputs”). You acknowledge and agree that:
The Platform may use large language models and other AI technologies provided by third parties. These third-party models are subject to their respective terms and conditions and acceptable use policies. We do not control and are not responsible for the outputs generated by third-party models. The availability, functionality, and performance of third-party models may change without notice.
You retain ownership of any content, data, or materials that you submit, upload, or otherwise provide to the Platform (“Input”). You are responsible for your Input, including ensuring that it does not violate any applicable law or these Terms. You represent and warrant that you have all rights, licenses, and permissions necessary to provide your Input to the Platform.
By submitting Input to the Platform, you grant Rucks AI a non-exclusive, worldwide, royalty-free license to use, process, store, reproduce, and display your Input solely as necessary to provide the Platform and its features to you and, where applicable, to your workspace.
The Platform maintains distinct knowledge containers: personal containers owned by the individual user and workspace containers managed by workspace administrators. The Platform is designed so that personal and workspace knowledge environments are isolated at the session level. You acknowledge that content promoted from a personal container to a workspace container may be subject to the workspace’s policies and may not be portable upon your departure from that workspace.
We do not use your Input to train general-purpose AI models. For details on how we collect, use, store, and protect your personal information and data, please refer to our Privacy Policy.
The Platform, including its design, features, functionality, software, code, text, graphics, logos, trademarks, and all other intellectual property, is and shall remain the exclusive property of Rucks AI and its licensors. These Terms do not grant you any right, title, or interest in the Platform except for the limited right to use the Platform in accordance with these Terms.
If you provide any suggestions, ideas, feedback, or recommendations regarding the Platform (“Feedback”), you hereby grant Rucks AI a perpetual, irrevocable, non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and incorporate such Feedback into the Platform and our other products and services without any obligation to compensate you.
The Platform may contain links to, integrate with, or display content from third-party websites, services, or applications (“Third-Party Services”). We do not control, endorse, or assume any responsibility for any Third-Party Services. Your use of Third-Party Services is at your own risk and subject to the terms and conditions of those third parties. We encourage you to review the terms and privacy policies of any Third-Party Services before using them.
THE PLATFORM AND ALL OUTPUTS, CONTENT, FEATURES, AND SERVICES PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RUCKS AI AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE “RUCKS AI PARTIES”) EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE.
WITHOUT LIMITING THE FOREGOING, NEITHER RUCKS AI NOR ANY RUCKS AI PARTY WARRANTS THAT: (A) THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY OUTPUTS OR CONTENT OBTAINED THROUGH THE PLATFORM WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; (C) ANY OUTPUTS ARE SUITABLE FOR ANY PARTICULAR PURPOSE OR USE CASE; (D) ANY DEFECTS IN THE PLATFORM WILL BE CORRECTED; OR (E) THE PLATFORM IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
YOU ACKNOWLEDGE THAT AI-GENERATED OUTPUTS ARE PROBABILISTIC IN NATURE AND MAY CONTAIN INACCURACIES, ERRORS, OR HALLUCINATIONS. YOU ACCEPT AND AGREE THAT ANY USE OF OR RELIANCE ON OUTPUTS FROM THE PLATFORM IS AT YOUR SOLE RISK AND THAT YOU WILL NOT RELY ON ANY OUTPUT AS A SOLE SOURCE OF TRUTH, FACTUAL INFORMATION, OR AS A SUBSTITUTE FOR PROFESSIONAL ADVICE.
Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ANY RUCKS AI PARTY BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF ANY RUCKS AI PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE RUCKS AI PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU HAVE PAID TO RUCKS AI IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100.00).
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you.
You agree to indemnify, defend, and hold harmless the Rucks AI Parties from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or in connection with: (a) your access to or use of the Platform; (b) your Input or any content you provide through the Platform; (c) your violation of these Terms; (d) your violation of any applicable law or regulation; (e) your reliance on any Output generated by the Platform; or (f) any dispute between you and any third party arising from your use of the Platform. Rucks AI reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.
Your use of the Platform is also governed by our Privacy Policy, which describes how we collect, use, store, and disclose your personal information. By using the Platform, you acknowledge that you have read and understood our Privacy Policy. Please refer to the Privacy Policy for full details.
Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (“Dispute”) informally by contacting us at legal@rucks.ai. We will attempt to resolve the Dispute informally for at least thirty (30) days from the date we receive your notice. If the Dispute is not resolved within that period, either party may proceed as set forth below.
Any Dispute that is not resolved through informal resolution shall be finally and exclusively resolved by binding arbitration administered by JAMS in accordance with its Streamlined Arbitration Rules and Procedures then in effect. The arbitration shall be conducted in English, in Santa Barbara County, California, unless you and Rucks AI mutually agree otherwise. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Each party shall bear its own costs and attorneys’ fees, and the parties shall share equally in the fees and costs of the arbitrator and JAMS.
ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU AND RUCKS AI EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION, AND YOU AND RUCKS AI EACH WAIVE THE RIGHT TO A TRIAL BY JURY. THIS WAIVER APPLIES TO THE FULLEST EXTENT PERMITTED BY LAW.
You may opt out of this arbitration agreement by sending written notice to legal@rucks.ai within thirty (30) days of your first use of the Platform. Your notice must include your name, email address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, all other provisions of these Terms will continue to apply.
We may modify these Terms at any time by posting the revised Terms on the Platform and updating the “Last Updated” date above. Your continued access to or use of the Platform after any modification constitutes your acceptance of the modified Terms. If we make material changes, we will provide notice via the Platform or by email to your registered account. We encourage you to review these Terms periodically.
These Terms and any Dispute arising out of or relating to these Terms or the Platform shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles, and, where applicable, the Federal Arbitration Act.
These Terms, together with the Privacy Policy and any other documents incorporated by reference, constitute the entire agreement between you and Rucks AI with respect to the Platform and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
No waiver by Rucks AI of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of Rucks AI to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, without our prior written consent. Rucks AI may assign these Terms without restriction. Any attempted assignment in violation of this Section shall be null and void.
Rucks AI shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, pandemics, natural disasters, labor disputes, government actions, power failures, internet disruptions, or failures of third-party service providers.
By using the Platform, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
If you have any questions about these Terms, please contact us at:
Rucks AI (OTB Capital, LLC)
1117 State St.
Santa Barbara, California 93101
Email: legal@rucks.ai
Website: https://rucks.ai