Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between Rubo B.V., a private limited company incorporated under Dutch law and registered with the Dutch Chamber of Commerce (KVK: 12345678), with its registered office at Herengracht 182, 1016 BS Amsterdam, the Netherlands (“Rubo”, “we”, “us”), and the individual or entity accessing or using the Rubo platform (“Customer”, “you”).

By registering an account or using the Rubo service, you confirm that you have read, understood, and agreed to these Terms. If you are accepting on behalf of a company or other legal entity, you represent that you have the authority to bind that entity.

Rubo provides an AI-assisted back-office platform for insurance and real estate brokers (“Service”). The Service includes:

• An AI copilot that drafts responses to client queries for broker review and approval.
• Integration with the WhatsApp Business API for client communication.
• Document analysis and policy comparison tools.
• The Rubo broker console web application.

The Service is provided on a software-as-a-service basis. We reserve the right to modify or discontinue features with reasonable notice.

You must register an account to access the Service. You agree to provide accurate, current, and complete information during registration and to keep your account credentials confidential. You are responsible for all activity that occurs under your account.

You must be at least 18 years old and a licensed broker or act on behalf of a licensed brokerage to use the Service in connection with regulated activities.

Access to the Service is provided on a credit-based basis. Credits are purchased in advance and consumed as you use the Service. Unused credits expire as specified at the time of purchase.

All prices are in Euros (EUR) and exclude VAT unless stated otherwise. VAT will be added at the applicable Dutch or EU rate. Payments are processed by Stripe. Credits are non-refundable except as required by applicable law or as set out in our refund policy.

You agree not to use the Service to:

• Violate any applicable law, regulation, or third-party rights.
• Send unsolicited commercial messages (spam) to clients.
• Process or store data in a manner that violates the GDPR or other applicable data protection law.
• Reverse-engineer, decompile, or attempt to extract the source code of the Service.
• Use the Service to train competing AI models.
• Misrepresent AI-generated content as personal human advice to clients in a manner that could mislead them.

The Service uses artificial intelligence to draft responses and analyses. AI-generated content is provided as a drafting aid only. You remain solely responsible for reviewing all AI-generated content before sending it to clients, and for the accuracy and appropriateness of any advice or communication you send.

Rubo does not provide regulated financial, insurance, or legal advice. Nothing in the Service constitutes a recommendation to purchase or sell any financial product.

All intellectual property rights in the Rubo platform, software, and documentation are owned by Rubo B.V. We grant you a limited, non-exclusive, non-transferable licence to use the Service during your subscription or credit period, for your internal business purposes.

You retain ownership of all data and documents you upload to the Service. You grant Rubo a limited licence to process that data solely to provide the Service to you.

Each party agrees to keep the other's confidential information confidential and not to disclose it to third parties without prior written consent. Our processing of personal data is governed by our Privacy Policy and, where applicable, a Data Processing Agreement (DPA) available on request.

To the fullest extent permitted by Dutch law, Rubo's total liability to you for any claims arising out of or related to these Terms or the Service shall not exceed the amounts paid by you to Rubo in the 12 months preceding the claim.

Rubo shall not be liable for indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, even if advised of the possibility of such damages.

We aim to provide a highly available service but do not guarantee uninterrupted availability. Planned maintenance will be communicated in advance. We are not liable for downtime caused by third-party infrastructure providers, force majeure events, or factors outside our reasonable control.

You may terminate your account at any time from the broker console. Rubo may suspend or terminate your account immediately if you breach these Terms, fail to pay amounts due, or if required by law.

Upon termination, your access to the Service will cease. We will retain your data for up to 90 days after termination to allow data export, after which it will be deleted in accordance with our Privacy Policy.

These Terms are governed by the laws of the Netherlands. Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts in Amsterdam, the Netherlands.

Before initiating legal proceedings, the parties agree to attempt to resolve disputes through good-faith negotiation for a period of 30 days.

We may update these Terms from time to time. We will provide at least 30 days' notice of material changes by email. Continued use of the Service after the effective date of changes constitutes acceptance of the revised Terms.