Terms of Service

These Terms of Service (“Terms”) govern your access to and use of https://roilyze.com, the Roilyze analyzer, paid plans, essays, and related services (collectively, the “Services”), operated by OKO Labs, Inc., a Florida corporation doing business as Roilyze (“Company,” “we,” “us,” or “our”), with its principal place of business at 200 S. Andrews Avenue, Suite 504, Fort Lauderdale, Florida 33301 (Broward County). By accessing or using the Services you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1. What Roilyze is

Roilyze is software that estimates short-term and long-term rental performance from third-party comparable data. It is a tool for investors to size a residential deal. It is not a broker, realtor, lender, appraiser, inspector, investment adviser, or law firm. We do not sell property, arrange financing, or close transactions.

2. Eligibility

You must be at least 18 years old and able to form a binding contract. The Services are not directed to children under 13 (COPPA). We do not knowingly collect personal information from anyone under 18. By using the Services you represent that you meet these requirements.

3. Accounts

3.1 Registration

You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for credentials and for all activity under your account. Notify us immediately of unauthorized use.

3.2 One account

Maintain one account per person. We may suspend accounts that appear duplicative, shared, automated, or fraudulent. You may not sell, rent, or transfer access.

4. Estimates are not advice

Reports are statistical ranges from third-party sources (including AirROI and RentCast) and geocoding (including OpenStreetMap Nominatim). Comp data can be wrong, stale, thin, or mismatched. Assumptions such as expense ratios and down payment are stated on the report; they are not local truth and not customized to your insurance, HOA, taxes, or manager.

Reports are not appraisals, not DSCR or other lender underwriting, and not financial, legal, tax, or investment advice. You are solely responsible for verifying numbers, inspecting the property, checking regulation, and deciding whether to bid, buy, or pass. Any loss from a deal you size with the Services is yours.

5. Plans, quotas, and billing

Free accounts receive a monthly analysis cap as listed on the pricing page. Paid plans are monthly subscriptions billed by Stripe. Cancel in the billing portal. Access reverts to the free cap when the paid period ends. Fees are non-refundable except where required by law. Applicable sales tax may be added. We may change prices or caps with notice to the email on your account.

Failed upstream data calls do not consume a credit when we can detect the failure. Abuse, scraping, or sharing an account may consume credits and may result in suspension without refund.

6. Acceptable use

You agree not to:

• Violate any law, regulation, or third-party right
• Scrape, harvest, or bulk-export comps, reports, or user data without written permission
• Use bots or automated means to create accounts or burn analysis quotas
• Attempt to gain unauthorized access to systems or other users' accounts
• Reverse engineer the Services except where that restriction is prohibited by law
• Resell, white-label, or republish reports as your own product without a written license
• Interfere with or disrupt the integrity or performance of the Services

We may suspend or terminate access immediately for violation, with no refund.

7. Intellectual property

The Services, wordmark, design, software, essays, and compilation of data displays are owned by OKO Labs, Inc. or its licensors and protected by U.S. and international IP law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your own investment analysis. You may not copy, distribute, or create derivative works from our content except for your internal use of reports you generate.

Addresses and parameters you submit remain yours. You grant us a license to process them to run analyses, enforce quotas, improve the Services, and comply with law. Feedback you send may be used without restriction or compensation.

8. Third-party services

The Services depend on third parties including Neon (database and authentication), Vercel (hosting), Stripe (payments), AirROI, RentCast, and OpenStreetMap. We do not control those providers. Their outages, errors, or terms are not a refund by themselves. Links to third-party sites are not endorsements.

9. Disclaimer of warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ESTIMATES, COMPS, SCORES, OR RANGES ARE ACCURATE, COMPLETE, OR CURRENT; OR THAT DEFECTS WILL BE CORRECTED.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OKO LABS, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, DEALS, OR FINANCING, ARISING FROM YOUR USE OF THE SERVICES OR ANY REPORT, EVEN IF ADVISED OF THE POSSIBILITY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE LESSER OF (A) ONE HUNDRED U.S. DOLLARS (US $100.00) OR (B) THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; THERE, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

11. Indemnification

You agree to defend, indemnify, and hold harmless OKO Labs, Inc., its officers, directors, employees, and agents from any claim, damage, loss, or expense (including reasonable attorneys' fees) arising from your use of the Services, any offer or purchase you make, your violation of these Terms, or your infringement of a third party's rights. This obligation survives termination.

12. Termination

You may stop using the Services and close your account by emailing legal@roilyze.com. We may suspend or terminate access immediately, with or without notice, for conduct we believe violates these Terms or harms the Services or others. Upon termination, licenses end. Sections that by their nature should survive (including IP, disclaimers, liability limits, indemnification, and venue) survive.

13. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Exclusive venue for any dispute lies in the state courts located in Broward County, Florida, or in the United States District Court for the Southern District of Florida (Fort Lauderdale / Broward County). You consent to personal jurisdiction there. You waive any right to a jury trial to the extent permitted by law. You may bring claims only in your individual capacity, not as a plaintiff or class member in any class, collective, or representative proceeding. If a court finds the class waiver unenforceable as to a particular claim, that claim must be brought in the courts named above, not as a class. This Section does not deprive you of any non-waivable consumer right under applicable law.

14. Additional protections

You may not assign these Terms without our written consent; we may assign them in connection with a merger, acquisition, or sale of assets. If a provision is held unenforceable, the rest remains in effect. These Terms and the Privacy Policy are the entire agreement and supersede prior discussions on the same subject. Failure to enforce a provision is not a waiver. We are not liable for delay or failure caused by events beyond our reasonable control. Headings are for convenience only.

15. Changes

We may update these Terms from time to time. We will revise the date above and, for material changes, notify the email on your account or post a notice on the site. Continued use after the effective date constitutes acceptance.

16. Contact

Questions about these Terms: legal@roilyze.com.