These Terms of Service ("Terms") govern your access to and use of Rocky, the AI-powered deal screening assistant operated by Pine & Ledger Capital, LLC ("Pine & Ledger," "we," "us," or "our"). By creating an account or using Rocky in any way, you agree to these Terms. If you do not agree, do not use Rocky.

1. What Rocky Is

Rocky is an AI-powered tool designed to assist real estate investors, brokers, and professionals with deal screening, offer structuring, document drafting, and related analysis. Rocky is not a licensed real estate broker, attorney, financial advisor, or investment advisor. Rocky's output is for informational purposes only. See our Disclaimer for full details.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use Rocky. By using Rocky you represent that you meet these requirements. Rocky is intended for real estate professionals and investors — not for general consumer use.

3. Accounts and Access

• You are responsible for maintaining the security of your account credentials.
• You may not share your account with any other person or entity.
• You may not use Rocky on behalf of a third party without their knowledge and consent.
• We reserve the right to suspend or terminate your account for any violation of these Terms.

4. Subscriptions, Billing, and Trials

• Rocky is offered on a subscription basis. Current pricing is available at userocky.com.
• New subscribers receive a 14-day free trial. No charge is made during the trial period.
• At the end of the trial, your subscription begins automatically unless you cancel before the trial ends.
• Subscriptions renew automatically on a monthly basis until cancelled.
• You may cancel at any time. Cancellation takes effect at the end of the current billing period. No refunds are issued for partial months.
• We reserve the right to change pricing with 30 days written notice to your registered email address.
• Failed payments result in immediate suspension of access until payment is resolved.

5. Acceptable Use

You agree not to use Rocky to:

• Violate any applicable law or regulation
• Engage in fraud, misrepresentation, or deceptive practices
• Attempt to reverse engineer, copy, or reproduce Rocky's underlying systems
• Share, resell, or sublicense access to Rocky to any third party
• Input false or misleading information into Rocky with intent to manipulate outputs
• Use Rocky's output as the sole basis for any legal, financial, or investment decision without independent verification

6. Your Data

• You own the deal data you input into Rocky. We do not claim ownership of your data.
• Your deal data is stored on a per-user basis and is not shared with other Rocky users.
• We do not use your deal data to train AI models.
• You may request deletion of your data at any time by contacting us at paul@pineandledger.com.
• See our Privacy Policy for full details on how your data is handled.

7. Intellectual Property

Rocky, including its underlying systems, brain files, prompts, interfaces, and branding, is the intellectual property of Pine & Ledger Capital, LLC. You are granted a limited, non-exclusive, non-transferable license to use Rocky for your own real estate investment and professional activities. You may not copy, reproduce, or distribute any part of Rocky without written permission.

Documents Rocky drafts for you — LOIs, Purchase Proposals, offer structures — are yours to use. We make no claim over documents generated on your behalf.

8. Disclaimers and Limitation of Liability

ROCKY IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. PINE & LEDGER CAPITAL, LLC MAKES NO WARRANTY THAT ROCKY WILL BE ACCURATE, COMPLETE, RELIABLE, OR UNINTERRUPTED.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PINE & LEDGER CAPITAL, LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF ROCKY OR RELIANCE ON ANY OUTPUT ROCKY GENERATES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR ROCKY IN THE THREE MONTHS PRECEDING THE CLAIM.

9. Termination

We may suspend or terminate your access to Rocky at any time for violation of these Terms, non-payment, or any other reason with reasonable notice. You may terminate your account at any time by cancelling your subscription and requesting account deletion.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email to your registered address at least 14 days before they take effect. Continued use of Rocky after that date constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts of Wake County, North Carolina, or through binding arbitration as described below.

12. Contact