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Terms of Service

Effective Date: March 1, 2026

www.lob.group

Important Legal Notice – Please Read Carefully

These Terms of Service (“Terms”) constitute a legally binding agreement between you and LOB, LLC (“LOB,” “we,” “us,” or “our”). By accessing or using any LOB website, platform, application, API, or service (collectively, the “Services”), you agree to be bound by these Terms and the LOB Privacy Policy, which is incorporated by reference. If you do not agree, you must discontinue use immediately.

1. Acceptance of Terms

Your use of the Services constitutes acceptance of these Terms. If you are acting on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity. In the event of a conflict between these Terms and a separately executed enterprise agreement, the enterprise agreement shall govern.

2. Definitions

  • “Customer” means any enterprise, institution, governmental body, or organization using the Services.
  • “Customer Data” means data submitted to or processed through the Services by or on behalf of Customer.
  • “Third-Party AI Providers” means third-party large language model (LLM) or artificial intelligence infrastructure providers whose services support AI-powered features of the Services.
  • “AI Output” means content generated through AI-powered functionality.
  • “Usage Data” means aggregated, de-identified data derived from use of the Services that does not identify any individual or Customer.

3. Eligibility and Accounts

You must be at least eighteen (18) years old and legally capable of entering into binding agreements. You are responsible for safeguarding account credentials and for all activities occurring under your account. You agree to notify LOB promptly of any unauthorized use.

4. License and Permitted Use

Subject to compliance with these Terms, LOB grants you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for lawful internal business purposes.

You may not: reverse engineer, decompile, or attempt to derive source code; develop competing AI systems; circumvent technical safeguards; scrape data without authorization; use the Services in violation of law; or represent AI Outputs as human-generated when they are not.

5. AI Processing and Third-Party AI Providers

The Services incorporate artificial intelligence functionality supported by Third-Party AI Providers. LOB operates as an application and orchestration layer and does not develop or operate foundational AI models.

When AI-powered features are used, certain inputs, prompts, or contextual data may be transmitted to Third-Party AI Providers for the purpose of generating requested AI Outputs. LOB seeks to minimize data transmitted and to use enterprise-grade API configurations where available.

LOB contractually requires Third-Party AI Providers to process submitted data solely for generating requested outputs, to maintain appropriate security safeguards, and to comply with applicable data protection laws. Where supported and enabled, LOB seeks to utilize configurations that limit retention or reuse of submitted data.

LOB does not use Customer Data to train or fine-tune foundational AI models without the Customer’s explicit written consent.

AI Outputs are probabilistic in nature and may be inaccurate, incomplete, or non-unique. AI Outputs are decision-support tools and must not be used as the sole basis for high-stakes decisions without appropriate human oversight.

6. Platform-Specific Terms

LOB operates multiple Platforms, including but not limited to Veridux, Unavita, Fidenum, Fons, and S.T.E.W.A.R.D. Additional platform-specific terms, regulatory addenda, and Data Processing Agreements may apply and are incorporated by reference where applicable.

Certain Platforms may support the processing of sensitive or regulated data, including biometric or humanitarian data. Such processing requires express written authorization and may be subject to additional contractual controls.

Customer is solely responsible for ensuring that its use of the Services complies with applicable sector-specific or biometric statutes, including any retention, notice, or consent obligations, unless otherwise agreed in writing.

7. Intellectual Property and AI Use

Platform and Services.

LOB retains all right, title, and interest in and to the Services, including the platform infrastructure, software, orchestration systems, prompts, workflows, interfaces, documentation, and all related technology and intellectual property used to provide the Services (collectively, the “Platform”). Except for the limited rights expressly granted in these Terms, no rights or licenses are granted to Customer in or to the Platform.

Customer Data and Inputs.

Customer retains all right, title, and interest in and to Customer Data and any prompts, queries, files, text, or other materials submitted to the Services (“Inputs”). Customer represents and warrants that it has all rights, permissions, and lawful bases necessary to provide Inputs to the Services and to authorize LOB and its subprocessors to process such Inputs solely for the purpose of providing and supporting the Services.

AI Outputs.

Subject to applicable law and the terms of any Third-Party AI Providers used by LOB, AI-generated results produced for Customer through the Services (“AI Outputs”) are assigned to Customer. To the extent any rights in AI Outputs vest in LOB, LOB hereby assigns such rights to Customer.

Customer acknowledges that AI Outputs are generated by automated systems and may be based on patterns learned from publicly available or licensed data. LOB does not represent or warrant that AI Outputs are unique, original, protectable as intellectual property, or free from third-party claims.

Customer is responsible for reviewing and evaluating AI Outputs before using, publishing, or distributing them and for determining whether additional intellectual property review, attribution, or clearance is appropriate.

Usage Data and Service Improvements.

LOB may collect and use aggregated, anonymized, or de-identified data relating to the use, performance, and operation of the Services (“Usage Data”) to operate, maintain, improve, train, and enhance the Services and related technologies, provided that such data does not identify Customer or any individual and does not disclose Customer Data.

AI Training Restrictions.

LOB will not use Customer Data or Inputs to train or fine-tune foundation models made available by Third-Party AI Providers unless expressly authorized by Customer. LOB may use de-identified Usage Data to improve the performance, reliability, and functionality of the Services.

AI System Limitations.

Customer acknowledges that AI Outputs may be inaccurate, incomplete, biased, or non-unique and should not be relied upon without appropriate human review and judgment.

Third-Party AI Providers.

The Services may utilize artificial intelligence models, APIs, or services provided by third parties (“Third-Party AI Providers”). LOB does not claim ownership of any third-party models or technologies used to deliver the Services, and such technologies remain subject to the rights and terms of their respective providers.

Model Updates and Substitution.

LOB may update, modify, or substitute the artificial intelligence models, providers, or technologies used to provide the Services from time to time, provided such changes do not materially degrade the overall functionality of the Services.

Independent Development.

Nothing in these Terms restricts LOB from developing, improving, or offering services, models, technologies, or features that are similar to or compete with Customer’s use of the Services, provided that LOB does not use or disclose Customer Data in doing so.

8. Data Protection and Privacy

LOB’s processing of personal data is governed by the LOB Privacy Policy.

For general website operations, LOB acts as the data controller. For enterprise deployments, Customer acts as data controller, and LOB acts as data processor pursuant to a Data Processing Agreement (DPA).

Customer represents that it has obtained all necessary legal bases, consents, and authorizations required to submit Customer Data.

LOB does not sell personal data and does not share personal data for cross-context behavioral advertising.

LOB does not use Customer Data to train or fine-tune foundational AI models without explicit written consent.

Customer is responsible for determining whether the Services are appropriate for its regulated or high-risk use cases.

9. Confidentiality

Each party agrees to protect the other’s Confidential Information using reasonable care and to use such information solely for fulfilling obligations under these Terms. Confidentiality obligations survive termination for five (5) years, or indefinitely for trade secrets.

10. Fees and Payment

Fees are governed by applicable Order Forms or enterprise agreements. Unless otherwise agreed, invoices are due net thirty (30) days. Fees are non-refundable except as expressly stated.

11. Warranties and Disclaimers

The Services and AI Outputs are provided “as is” and “as available.”

LOB disclaims all implied warranties to the maximum extent permitted by law, including merchantability, fitness for a particular purpose, and non-infringement.

LOB does not warrant uninterrupted or error-free operation of the Services.

12. Limitation of Liability

To the maximum extent permitted by law, LOB shall not be liable for indirect, incidental, special, consequential, or punitive damages.

LOB’s total cumulative liability shall not exceed the greater of: (A) fees paid in the twelve (12) months preceding the claim; or (B) USD $1,000.

13. Indemnification

You agree to indemnify and hold harmless LOB from claims arising from misuse of the Services, violation of law, or infringement of third-party rights arising from Customer Data.

14. Suspension and Termination

LOB may suspend access for material breach, non-payment, legal requirement, or security risk.

Upon termination, Customer may export Customer Data within thirty (30) days, after which LOB may delete data in accordance with its retention policies.

Sections concerning Intellectual Property, Data Protection, Confidentiality, Liability, and Dispute Resolution survive termination.

15. Governing Law; Arbitration; Class Action Waiver; Opt-Out

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.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved through good-faith negotiation shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its applicable rules.

The arbitration shall take place in the State of Delaware, unless LOB elects to conduct the arbitration remotely (including by videoconference) or the parties mutually agree to another location. The arbitration may be conducted based solely on written submissions where appropriate.

Class Action Waiver: To the maximum extent permitted by law, any dispute shall be brought solely in your individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, mass, or representative proceeding. The arbitrator shall have no authority to consolidate claims or to conduct any class or representative proceeding.

Arbitration Opt-Out: You may opt out of this arbitration agreement and class action waiver by sending written notice within thirty (30) days of first accepting these Terms to legal@lob.group, including your full name, address, and a clear statement that you wish to opt out. Opting out will not affect any other provisions of these Terms.

Nothing in this Section limits rights that cannot be waived under applicable law. EU and UK users retain mandatory statutory rights under applicable law.

16. Compliance with Laws

Each party is responsible for compliance with applicable laws, including data protection, export controls, anti-corruption laws, and sector-specific regulations applicable to its use of the Services.

17. Export Controls

You represent that you are not subject to U.S. embargoes or sanctions and will comply with applicable export control laws.

18. Force Majeure and Provider Dependency

LOB is not liable for failure due to events beyond its reasonable control, including disruptions by Third-Party AI Providers. LOB will use commercially reasonable efforts to mitigate service disruption.

19. Modifications

LOB may modify these Terms with thirty (30) days’ notice. Enterprise agreements remain unaffected during their active term.

20. General Provisions

These Terms, together with the Privacy Policy and any executed agreements, constitute the entire agreement. If any provision is unenforceable, the remaining provisions remain in effect. No waiver shall be implied by failure to enforce any right.

21. Contact Information