Terms of Service

Last updated: February 14, 2026

These Terms of Service ("Terms") govern your access to and use of the Reta platform and services provided by Reta AI, Inc. ("Reta," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Service

Reta provides an AI-powered meeting lifecycle platform for financial advisors. The Service includes meeting preparation, structured note generation, CRM update drafting, follow-up email drafting, and related workflow automation features. All AI-generated outputs are presented for your review and approval before any action is taken.

3. Account Registration

To use the Service, you must:

  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Promptly notify us of any unauthorized use of your account
  • Be at least 18 years of age

You are responsible for all activity that occurs under your account.

4. Your Data

4.1 Ownership

You retain all rights to your data. We do not claim ownership of any content you provide to the Service, including meeting notes, client information, CRM data, or any other data you upload or connect.

4.2 License to Us

You grant us a limited, non-exclusive license to use your data solely to provide and improve the Service. This license terminates when you delete your data or close your account.

4.3 Data Portability

You may export your data at any time in standard formats. Upon account termination, we will make your data available for export for 30 days before deletion.

5. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Service
  • Interfere with or disrupt the Service or its infrastructure
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Use the Service to transmit malware or malicious code
  • Resell or redistribute the Service without our written consent
  • Use the Service in violation of any applicable financial industry regulations

6. Third-Party Integrations

The Service integrates with third-party platforms (e.g., Google Workspace, Salesforce, Redtail, Wealthbox). Your use of these integrations is subject to the respective third party's terms of service. We are not responsible for the availability or functionality of third-party services.

7. AI-Generated Content

The Service uses artificial intelligence to generate meeting notes, action items, follow-up drafts, and other content. You acknowledge that:

  • AI-generated outputs may contain errors or inaccuracies
  • You are responsible for reviewing and approving all AI-generated content before it is used, sent, or stored in external systems
  • Reta is not liable for decisions made based on AI-generated content
  • AI outputs do not constitute financial, legal, or compliance advice

8. Fees and Payment

Certain features of the Service may require a paid subscription. If applicable:

  • Fees are billed in advance on a monthly or annual basis
  • All fees are non-refundable except as required by law
  • We may change our fees with 30 days' advance notice
  • Your subscription will auto-renew unless you cancel before the renewal date

9. Termination

Either party may terminate this agreement at any time:

  • By you: Cancel your account through the Service or by contacting us
  • By us: We may suspend or terminate your access if you violate these Terms, with notice where practicable

Upon termination, your right to use the Service ceases. We will retain your data for 30 days to allow export, after which it will be deleted.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Reta does not warrant that the Service will be uninterrupted, error-free, or completely secure. The Service is not a substitute for professional financial, legal, or compliance advice.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RETA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify and hold harmless Reta, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service or violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

14. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through the Service at least 30 days before the changes take effect. Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

15. Contact Us

If you have questions about these Terms, contact us at:

Reta AI, Inc.
Email: legal@retafinance.com