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Defensible investigations for AML, Risk and Compliance.Alternative Data Intelligence ✓ VERIFIED UBO · ✓ PROPER DOCS · ✓ LEGIT REFUNDS · ✓ TAX COMPLIANT · ✓ CLEAR SANCTIONS · ✓ CLEAR SANCTIONS · ✓ LOW RISK · ✓ GRADUAL GROWTH · ✓ LEGIT REFUNDS · ✓ VALID BUSINESS · ✓ LOW RISK · ✓ KNOWN VENDOR · ✓ LEGIT REFUNDS · ✓ VALID BUSINESS · ✓ REAL ADDRESS · ⚠ COLLUSION · ⚠ LATE NIGHT TXN · ⚠ NEG MEDIA · ⚠ SANCTIONS HIT · ⚠ STRUCTURING · ⚠ CARD CYCLING · ⚠ DORMANT SPIKE · ✓ DOCUMENTED SOF · ✓ CLEAN HISTORY · ✓ INDUSTRY NORM · ✓ CLEAN HISTORY · ✓ VERIFIED UBO · ✓ TAX COMPLIANT · ✓ GRADUAL GROWTH · ✓ NO PEP MATCH · ✓ INDUSTRY NORM · ✓ ACTIVE WEBSITE · ✓ CLEAR SANCTIONS · ✓ CLEAN HISTORY · ✓ CLEAR SANCTIONS · ✓ TAX COMPLIANT · ✓ TAX COMPLIANT · ✓ GRADUAL GROWTH · ✓ CLEAN HISTORY · ✓ CLEAR SANCTIONS · ✓ LEGIT REFUNDS · ✓ NORMAL HOURS · ✓ CLEAR SANCTIONS · ✓ TAX COMPLIANT · ✓ DOCUMENTED SOF · ✓ VALID BUSINESS · ✓ PROPER DOCS · ✓ INDUSTRY NORM · ✓ NO PEP MATCH · ✓ ACTIVE WEBSITE · ✓ LEGIT REFUNDS · ✓ 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MISMATCH · ⚠ NEG MEDIA · ⚠ PAYER REPEAT · ⚠ COLLUSION · ⚠ TBML RISK · ⚠ FUNNEL ACCT · ⚠ HIGH VELOCITY · ⚠ KYC MISMATCH · ⚠ NEG MEDIA · ⚠ STRUCTURING · ⚠ HIGH VELOCITY · ⚠ CARD CYCLING · ✓ KNOWN VENDOR · ✓ NORMAL HOURS · ✓ VERIFIED UBO · ✓ VERIFIED KYC · ✓ DIVERSE PAYERS · ✓ CLEAR SANCTIONS · ✓ DOCUMENTED SOF · ✓ CLEAN HISTORY · ✓ NORMAL HOURS · ✓ KNOWN VENDOR · ✓ TAX COMPLIANT · ✓ VERIFIED UBO · ✓ STABLE PATTERN · ✓ CLEAN HISTORY · ✓ DIVERSE PAYERS · ✓ GRADUAL GROWTH · ✓ PROPER DOCS · ✓ TAX COMPLIANT · ✓ DIVERSE PAYERS · ✓ DOCUMENTED SOF · ✓ LOW RISK · ✓ NO PEP MATCH · ✓ CLEAR SANCTIONS · ✓ NORMAL HOURS · ✓ INDUSTRY NORM · ✓ TAX COMPLIANT · ✓ GRADUAL GROWTH · ✓ LEGIT REFUNDS · ✓ REAL ADDRESS · ✓ REAL ADDRESS · ✓ VERIFIED KYC · ✓ LEGIT REFUNDS · ✓ VERIFIED UBO · ✓ KNOWN VENDOR · ✓ CLEAR SANCTIONS · ✓ LOW RISK · ✓ MATCHES PROFILE · ✓ CLEAR SANCTIONS · ✓ CLEAN HISTORY · ⚠ LAYERING · ⚠ SANCTIONS HIT · ⚠ HIGH VELOCITY · ⚠ LAYERING · ⚠ STRUCTURING · ⚠ CARD CYCLING · ⚠ SANCTIONS HIT · ⚠ PEP 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Investigators for merchants Helps risk and compliance teams investigate across internal systems, documents, websites, transactions, and past cases. Book a demo app.roe-ai.com/aml/inv_1767304620206 Chats + New chatSAR filing guidanceRefund analysis Agents All Runs67AML InvestigationLa Morenita MarketABC Imports LLCFraud Investigation12Merchant Risk8Product Compliance5 Connectors SnowflakeLivePostgreSQLLive JSJohn SmithCompliance Analyst ALT-2024-0001 · High Average Ticket SizeLa Morenita Market · MCC 5411 Investigation SummaryTransaction patterns show 1 elevated average ticket sizes ($175.83) compared to grocery industry benchmarks ($35-45). Analysis of 14 flagged transactions ranging from $299-$649 indicates potential layering activity. Additionally, 2 multiple transactions occurred between 1-6 AM PT 3, outside the merchant's stated business hours of 7 AM - 9 PM. Cross-referencing with Google foot traffic data 4 reveals zero customer visits during these hours, strongly suggesting terminal misuse.References1sqlOct 2024 ticket-size statisticsAvg $175.83 · Median $57.66 · P90 $505.842sqlAfter-hours transaction query22 transactions between 12am-6am PT3webGoogle Maps verificationListed hours: 7:00 AM – 9:00 PM daily4webHourly traffic vs transactionsGoogle foot traffic shows 0 visitors after midnight Key Findings Avg ticket 4× above MCC benchmark$175.83 avg vs $35-45 industry standard.After-hours transactions detected22 transactions between 1-6 AM PT.No structuring patternsNo round-amount clustering detected.No payer concentrationTop payers each have single transactions. Ask Rori Ask about this caseI can analyze patterns and answer questions.Analyze refundsCompare to peersCheck for linksTiming analysisNext steps Built for real investigations, not alert summariesWork just like your Senior Analyst Company TechSource Solutions LLC Customer ID ZNS-447821 Transaction Volume $2.8M Period Last 90 days Agent Running Step 15 / 147 04:10 Web SearchPEP ScreeningCounterpartyKYC LookupWatchlistRisk Score ↳ Documentation validated💭 Customer activity within expected parameters for industry.↳ Screening negativeState-owned enterprise affiliation check✓💭 Geographic concentration in US domestic — low jurisdictional risk."TechSource Solutions LLC" SEC enforcement action✓💭 Q4 timing consistent with fiscal year-end IT procurement cycles. Other AI Agents Roe AI Agents Other AI Agents Summarizes alerts without actually investigating them. Roe AI Agents Investigates every entity, pattern, and trend until the case is complete. Other AI Agents No visibility into how decisions are made. Roe AI Agents Provides rich evidence labels that reference specific fields. Other AI Agents Can't analyze unstructured data like websites, docs, or call transcripts Roe AI Agents Analyzes structured and unstructured data including websites, socials, documents, calls transcripts, and geolocations. Other AI Agents Doesn't learn from feedback without manual work. Roe AI Agents Learns from your feedback through Roe's proprietary memory layer. Other AI Agents 6+ month integrations with no native connectors. Roe AI Agents Takes 4 weeks to integrate with 20+ native data connectors. Investigation, the tired way.Starts from scratch for every alert.Checks 10-20 data sources, lost in millions of transactions, activities, searches.Relies on memory or spreadsheet to recall similar patterns of historical cases.High alert volume leads to burnout and turnover.Investigation, the Roe way.Follows your SOPs and remembers past cases.Analyzes and reasons through thousands of structured and unstructured data pointsMemory that recalls patterns from years of past cases.Reduces burnout so investigators can focus on real risk.From alert or case to decision in minutesEvery sentence is backed by data evidence Data Warehouse Transactions, accounts Transaction Monitoring Alerts, rules, thresholds Case Management History, dispositions Public Data Sanctions, PEPs, news CRM Data Customer profiles Ingest AI-powered analyst Execute 1 Catch Alert Prioritize by risk 2 Investigate Gather evidence 3 Take Action Decide & document Investigation, thetired way. Investigation, theRoe way. The tired way Starts from scratch for every alert. The Roe way Follows your SOPs and remembers past cases. The tired way Checks 10-20 data sources, lost in millions of transactions, activities, searches. The Roe way Analyzes and reasons through thousands of structured and unstructured data points The tired way Relies on memory or spreadsheet to recall similar patterns of historical cases. The Roe way Memory that recalls patterns from years of past cases. The tired way High alert volume leads to burnout and turnover. The Roe way Reduces burnout so investigators can focus on real risk. Other AI AgentsSummarizes alerts without actually investigating them.No visibility into how decisions are made.Can't analyze unstructured data like websites, docs, or call transcriptsDoesn't learn from feedback without manual work.6+ month integrations with no native connectors.Roe AI AgentsInvestigates every entity, pattern, and trend until the case is complete.Provides rich evidence labels that reference specific fields.Analyzes structured and unstructured data including websites, socials, documents, calls transcripts, and geolocations.Learns from your feedback through Roe's proprietary memory layer.Takes 4 weeks to integrate with 20+ native data connectors.Where teams use RoeTransaction MonitoringMerchant RiskTransaction Monitoring AlertsDisputes & ChargebacksProduct ComplianceFraud OpsAnalyze account and transaction history to surface anomaliesDetect device fingerprinting and behavioral patterns that indicate fraudCross-reference transactions against fraud databases and watchlistsReview customer support conversations for abuse signalsMerchant RiskVerify merchant identity and business legitimacyValidate ultimate beneficial owners and corporate structuresDetect laundering patterns and risky product mixesCheck business details against public recordsTransaction Monitoring AlertsDeep analysis of transaction patterns, counterparties setup, past alerts patterns.Trace transaction chains to identify suspicious patternsCompile evidence and maintain audit trails.Automatically build an SAR with your finalized evidence pack.Disputes & ChargebacksGather evidence from support tickets and account historyAnalyze chargeback codes and issuer requirementsAssemble evidence packages for issuer submissionsRecommend decisions with win probability estimatesListing ComplianceFlag prohibited and regulated products across listingsAnalyze descriptions and images for policy violationsReview seller history to identify repeat violatorsReduce false removals with context-aware policy decisionsFraud OpsAnalyze account and transaction history to surface anomaliesDetect device fingerprinting and behavioral patterns that indicate fraudCross-reference transactions against fraud databases and watchlistsReview customer support conversations for abuse signalsAML InvestigationsDeep analysis of transaction patterns, counterparties setup, past alerts patterns.Trace transaction chains to identify suspicious patternsCompile evidence and maintain audit trailsAutomatically build an SAR with your finalized evidence pack.Merchant UnderwritingVerify merchant identity and business legitimacyValidate ultimate beneficial owners and corporate structuresDetect laundering patterns and risky product mixesCheck business details against public recordsDisputes & ChargebacksGather evidence from support tickets and account historyAnalyze chargeback codes and issuer requirementsAssemble evidence packages for issuer submissionsRecommend decisions with win probability estimatesMarketplace ComplianceFlag prohibited and regulated products across listingsAnalyze descriptions and images for policy violationsReview seller history to identify repeat violatorsReduce false removals with context-aware policy decisions12xMore data screened than solutions91%Faster time-to-decision4-weekAverage integration timeExplainable decisionsEach case includes a clear reasoning trail, showing how data was analyzed, which SOPs were followed, and why a conclusion was made.Autonomous researchLet our agents run SQL queries, search the web, and explore patterns without you having you to direct them.Understand unstructured dataRoe reasons through PDFs, images, and websites to extract context and classify risk.Human accuracy. Superhuman speed.Roe agents triage alerts, eliminate 90% of false positives, and learn continuously from analyst feedback."Roe is essential for our complex risk workflows and provides invaluable components to enhance our robust risk detection system."Risk ManagerAffirm“Roe has been a game changer and an incredible partner. Roe has scaled our compliance operations by reducing cost, improving data classification accuracy, and faster turnaround times.”AlexanderRisk @ CrossmintEnterprise-grade security and governanceLearn why financial institutions trust Roe.Zero data retentionNo training on your data. Configurable retention policies. Deploy in your own VPC.Single-tenant deploymentRoe provides single tenant private VPC deployment on cloud providers.Role-based access controlControl who can access data and agents with flexible role-based permissions.Security and ComplianceRoe maintains security controls to stay SOC2, HIPAA, and GDPR compliant.See what Roe can do for your teamBook a 30-minute demo tailored to your workflows.Schedule a meeting AML Transaction Monitoring Compliance Risk Intelligence AML Transaction Monitoring Compliance Risk Intelligence SANCTIONS KYC PEP SCREENING OFAC BSA SANCTIONS KYC PEP SCREENING OFAC BSA Snowflake Salesforce Plaid Stripe Snowflake Salesforce Plaid Stripe Databricks AWS MongoDB PostgreSQL Databricks AWS MongoDB PostgreSQL Marketplace Compliance Merchant Onboarding Enhanced Due Diligence SAR FILING Wire Transfers Fraud Detection See what Roe can do for your team Book a 30-minute demo tailored to your workflows. Schedule a meeting DocsSecurityCompanyCareersBlogLinkedInTermsPrivacy policy© 2026 Roe AI Inc. R O E --- A New Era for Risk and Compliance InvestigationsHow AI agents are transforming financial crime investigationsAI AgentsRichard Meng1/12/20261/16/2026Junkai YanHow We Build at RoeThe values of an AI-native engineering teamEngineering1/8/2026Richard MengWhy AML Investigators Need AIThe tough reality for many AML investigatorsAML1/5/2026Matt YaoThe New Economics of Merchant FraudHow bad actors continue to evolve and what you can do about itMerchant Risk1/2/2026Richard MengThe Cognitive Cost of Manual AML InvestigationsToday's gaps and tomorrow's capabilities for fincrime investigationsAMLSee what Roe can do for your teamBook a 30-minute demo tailored to your workflows.Schedule a meeting AML Transaction Monitoring Compliance Risk Intelligence AML Transaction Monitoring Compliance Risk Intelligence SANCTIONS KYC PEP SCREENING OFAC BSA SANCTIONS KYC PEP SCREENING OFAC BSA Snowflake Salesforce Plaid Stripe Snowflake Salesforce Plaid Stripe Databricks AWS MongoDB PostgreSQL Databricks AWS MongoDB PostgreSQL Marketplace Compliance Merchant Onboarding Enhanced Due Diligence SAR FILING Wire Transfers Fraud Detection Customer Risk See what Roe can do for your team Book a 30-minute demo tailored to your workflows. Schedule a meeting DocsSecurityCompanyCareersBlogLinkedInTermsPrivacy policy© 2026 Roe AI Inc. R O E --- We believeRisk and compliance teams shouldn’t choose between speed & accuracy.AI agents that automate L1 investigations and accelerate L2+ decisions without forcing you to rebuild your stack.Our missionTrust should be infrastructure, not overhead. Today, financial institutions are forced to choose between speed, accuracy, and cost, creating friction for consumers and operational burden for teams. We're building AI agents that eliminate that tradeoff, enabling risk and compliance decisions that are fast, precise, and scalable. When trust operates invisibly, businesses facilitate more transactions and consumers experience commerce the way it should be: seamless, secure, and effortless.Our teamRichard MengCEO & Founderex-SnowflakeLinkedInJunkai YanHead of Engineeringex-GoogleLinkedInMatt YaoHead of Productex-Uber, AfterpayLinkedInSam LiangAI Engineering LeadSnowflakeLinkedInJaden FixAI Agent EngineerSnowflakeLinkedInNathan LeeFounding EngineerSnowflakeLinkedInChen SiFounding EngineerSnowflakeLinkedInSahil RanadiveFounding EngineerSnowflakeLinkedInRichard MengCEO & FounderSnowflakeLinkedInJunkai YanHead of EngineeringGoogleLinkedInJaden FixAI Agent EngineerSnowflakeLinkedInNathan LeeFounding EngineerSnowflakeLinkedInChen SiFounding EngineerSnowflakeLinkedInSahil RanadiveFounding EngineerSnowflakeLinkedInOur advisorsSridhar RamaswamyCEOSnowflakeLinkedInXin Geex-CTO and CROAfterpayLinkedInYuliya KazakevichHead of Risk and ComplianceLithicLinkedInSatyam MisraVP of RiskIntuitLinkedInTal YeshanovHead of Risk and ComplianceZeniLinkedInDerrick Ongchinex-Head of Risk ProductBlockLinkedInElliot LumHead of ComplianceTaekusLinkedInAdrien TrueilleCo-Founder and CEOStreamlit (acq. Snowflake)LinkedInBacked bySee what Roe can do for your teamBook a 30-minute demo tailored to your workflows.Schedule a meeting AML Transaction Monitoring Compliance Risk Intelligence AML Transaction Monitoring Compliance Risk Intelligence SANCTIONS KYC PEP SCREENING OFAC BSA SANCTIONS KYC PEP SCREENING OFAC BSA Snowflake Salesforce Plaid Stripe Snowflake Salesforce Plaid Stripe Databricks AWS MongoDB PostgreSQL Databricks AWS MongoDB PostgreSQL Marketplace Compliance Merchant Onboarding Enhanced Due Diligence SAR FILING Wire Transfers Fraud Detection Customer RiskCTRAdverse Media See what Roe can do for your team Book a 30-minute demo tailored to your workflows. Schedule a meeting DocsSecurityCompanyCareersBlogLinkedInTermsPrivacy policy© 2026 Roe AI Inc. R O E --- Terms and ConditionsLast updated December 13, 2023TABLE OF CONTENTSOur servicesIntellectual property rightsUser representationsUser registrationPurchases and paymentSubscriptionsProhibited activitiesUser generated contributionsContribution licenseSocial mediaThird-party websites and contentServices managementPrivacy policyTerm and terminationModifications and interruptionsGoverning lawDispute resolutionCorrectionsDisclaimerLimitations of liabilityIndemnificationUser dataElectronic communications, transactions, and signaturesCalifornia users and residentsMiscellaneousContact usAGREEMENT TO OUR LEGAL TERMSWe are Roe.ai Inc. ("Company," "we," "us," "our"), a company registered in California, United States at 2261 Market St ste 5680, San Francisco, CA 94114, USA, SF, CA 94114.We operate the website https://www.getroe.ai, https://app.roe-ai.com, https://pdf.roe-ai.com (the "Site"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").We provide a data platform where you can store, process, and query structured and unstructured data with the power of LLM.You can contact us by phone at (+1)5107089210, email at jason@roe-ai.com, or by mail to 2261 Market St ste 5680, San Francisco, CA 94114, USA, SF, CA 94114, United States.These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Roe.ai Inc., concerning your access to and use of the Services. 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You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle will depend on the type of subscription plan you choose when you subscribed to the Services.Free TrialWe offer a 7-day free trial to new users who register with the Services. The account will be charged according to the user's chosen subscription at the end of the free trial.CancellationYou can cancel your subscription at any time by contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at jason@roe-ai.com.Fee ChangesWe may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.7. PROHIBITED ACTIVITIESYou may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.As a user of the Services, you agree not to:Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.Use any information obtained from the Services in order to harass, abuse, or harm another person.Make improper use of our support services or submit false reports of abuse or misconduct.Use the Services in a manner inconsistent with any applicable laws or regulations.Engage in unauthorized framing of or linking to the Services.Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.Delete the copyright or other proprietary rights notice from any Content.Attempt to impersonate another user or person or use the username of another user.Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.Use a buying agent or purchasing agent to make purchases on the Services.Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.Use the Services to advertise or offer to sell goods and services.Sell or otherwise transfer your profile.8. USER GENERATED CONTRIBUTIONSThe Services does not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that:The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.Your Contributions are not false, inaccurate, or misleading.Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chainYour Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.Your Contributions do not violate any applicable law, regulation, or rule.Your Contributions do not violate the privacy or publicity rights of any third party.Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.9. CONTRIBUTION LICENSEYou and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings).By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.10. SOCIAL MEDIAAs part of the functionality of the Services, you may link your account with online accounts you have with third-party service providers (each such account, a "Third-Party Account") by either: (1) providing your Third-Party Account login information through the Services; or (2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent and warrant that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account, without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account, and without obligating us to pay any fees or making us subject to any usage limitations imposed by the third-party service provider of the Third-Party Account. By granting us access to any Third-Party Accounts, you understand that (1) we may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the "Social Network Content") so that it is available on and through the Services via your account, including without limitation any friend lists and (2) we may submit to and receive from your Third-Party Account additional information to the extent you are notified when you link your account with the Third-Party Account. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your account on the Services. Please note that if a Third-Party Account or associated service becomes unavailable or our access to such Third-Party Account is terminated by the third-party service provider.Social Network Content may no longer be available on and throught the Services. You will have the ability to disable the connection between your account on the Services and your Third-Party Accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non- infringement, and we are not responsible for any Social Network Content. You acknowledge and agree that we may access your email address book associated with a Third-Party Account and your contacts list stored on your mobile device or tablet computer solely for purposes of identifying and informing you of those contacts who have also registered to use the Services. You can deactivate the connection between the Services and your Third-Party Account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such Third-Party Account, except the username and profile picture that become associated with your account.11. THIRD-PARTY WEBSITES AND CONTENTThe Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third- Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.12. SERVICES MANAGEMENTWe reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.13. PRIVACY POLICYWe care about data privacy and security. Please review our Privacy Policy: http://www.roe-ai.com/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.14. TERM AND TERMINATIONThese Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.15. MODIFICATIONS AND INTERRUPTIONSWe reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.16. GOVERNING LAWThese Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law principles17. DISPUTE RESOLUTIONInformal NegotiationsTo expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.Binding ArbitrationIf the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall becommenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the American Arbitration Association (AAA) website. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in San Mateo, California. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in San Mateo, California, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms.In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) years after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.RestrictionsThe Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.Exceptions to Informal Negotiations and ArbitrationThe Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.18. CORRECTIONSThere may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.19. DISCLAIMERTHE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.20. LIMITATIONS OF LIABILITYIN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.21. INDEMNIFICATIONYou agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.22. USER DATAWe will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.23. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURESVisiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATEDOR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.24. CALIFORNIA USERS AND RESIDENTSIf any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.25. MISCELLANEOUSThese Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.26. CONTACT USIn order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:Roe.ai Inc.2261 Market St ste 5680, San Francisco, CA 94114, USA SF, CA 94114United StatesPhone: (+1)5107089210jason@roe-ai.comStep into the new era of risk ops.Transform how your team detects, investigates, and acts on risk. Faster, smarter, and with full transparency.Schedule a demoDocsSecurityCompanyCareersBlogLinkedInTermsPrivacy policy© 2026 Roe AI Inc. R O E