Term of Use

Welcome to the services offered by ARKK Labs. Please read these Terms of Use carefully before accessing or using any of our AI, insurance, or SAAS services.

Effective Date: 1/31/2026

Acceptance of Terms

These Terms of Use, together with our Privacy Policy and other policies referenced herein (collectively, the "Terms"), govern your access to and use of the services provided by ARKK Labs and its affiliates ("we," "our," or "us"). By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. Continued use of the Services constitutes your acceptance of any revisions to these Terms.

Agreement Binding

Your use of our AI, insurance, and SAAS services constitutes full acceptance of these terms.

Updates & Changes

We reserve the right to update these terms at any time. Continued use after changes indicates acceptance.

Legal Capacity

You must be at least 18 years old and have the legal authority to enter into this agreement.

Service Description

AI & SAAS Services

ARKK Labs provides AI voice agents, outbound calling solutions, knowledge base systems, and software-as-a-service platforms designed for businesses and insurance agencies.

Service Modifications

We may modify, update, or discontinue services with reasonable notice to users as technology and business needs evolve.

Insurance Services

We facilitate insurance shopping, quoting, and purchasing through our platform and licensed agency partners, including auto, home, flood, and life insurance products.

Beta Features

Some AI and SAAS features may be in beta testing and are provided "as is" without warranties or guarantees.

Service Availability

We strive to maintain 99.9% uptime, but services may be temporarily unavailable for maintenance, updates, or technical issues.

Third-Party Integration

Our services may integrate with third-party platforms and insurance carriers to provide comprehensive solutions.

User Responsibilities & Account Terms

Account Registration

You must provide accurate, complete, and current information when creating an account. You are responsible for maintaining account security and all activities under your account.

Lawful Use

You agree to use our services only for lawful purposes and in accordance with applicable laws, regulations, and industry standards, including insurance and financial services regulations.

Data Accuracy

You are responsible for the accuracy and legality of any data you provide to our AI systems, insurance platforms, or SAAS applications.

Prohibited Activities

You may not use our services for illegal activities, unauthorized access, spamming, or any purpose that could harm our systems, other users, or violate third-party rights.

Identity Verification

We may require identity verification, additional documentation, or account authentication to comply with regulatory requirements and prevent fraud.

SMS/Mobile Messaging Terms

Opt-In Consent

By providing your mobile number, you consent to receive SMS/MMS messages including verification codes, service updates, insurance quotes, and marketing communications.

Customer Support

For SMS support, text HELP to the number that sent you messages or contact legal@arkklabs.com.

Message Frequency

Message frequency varies. Standard message and data rates may apply. You are responsible for any charges from your mobile carrier.

Service Disclaimer

Mobile messaging is offered "as-is" and may not be available in all areas. Delivery depends on your carrier and network.

Opt-Out Instructions

Reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any message to opt out. You may receive a confirmation message.

Intellectual Property & User Content

Our Intellectual Property

All content, software, AI models, and technology provided by ARKK Labs remains our exclusive intellectual property, protected by copyright and trademark laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to use our services for their intended business purposes only.

User Content Rights

You retain ownership of data you provide but grant us necessary rights to process, analyze, and use it to deliver services and improve our AI systems.

Usage Restrictions

You may not copy, modify, distribute, reverse engineer, or create derivative works from our software, AI models, or proprietary systems.

Disclaimers & Limitation of Liability

Service "As Is"

OUR SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

AI System Limitations

AI systems may have limitations, errors, or unexpected behaviors. Users should verify AI outputs and understand that AI responses are not guaranteed to be accurate or complete.

Limited Liability

OUR LIABILITY IS LIMITED TO THE AMOUNT YOU PAID FOR SERVICES IN THE 12 MONTHS PRECEDING ANY CLAIM OR $500, WHICHEVER IS GREATER.

Exclusion of Damages

WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, DATA LOSS, OR BUSINESS INTERRUPTION.

Important: Some jurisdictions do not allow exclusion of certain damages. If you do not agree with these limitations, you must not use our services. By using our services, you acknowledge these limitations are reasonable.

Dispute Resolution & Arbitration

Binding Arbitration

Any dispute relating to your use of our services will be resolved by binding arbitration rather than in court, except for small claims court matters and intellectual property disputes.

Arbitration Process

Arbitration will be conducted by the American Arbitration Association (AAA) under their Commercial Arbitration Rules.

Individual Basis Only

Disputes must be resolved individually, not as part of any class, consolidated, or representative action.

Applicable Law

These Terms are governed by Federal law and the laws of the State of California, without regard to conflict of law principles.

Jury Trial Waiver

Both parties waive any right to a jury trial for any dispute that proceeds in court rather than arbitration.

Questions About These Terms?

legal@arkklabs.com

(844) 435-0041

For questions about these terms, termination requests, or legal matters

We may update these Terms from time to time. We will notify you of material changes by email or through notices on our website. Please review these Terms periodically for updates.