Legal

Terms of Use

Effective date: 2026-07-27

1. Acceptance of these Terms

These Terms of Use (these "Terms") are a binding agreement between you and Maz Innovation Inc., a Delaware corporation with its principal place of business in Chicago, Illinois ("MAZ," "we," "us," or "our"). By accessing the mazinc.com website (the "Site") or using the COCO platform (together with the Site, the "Service"), you agree to these Terms and to our Privacy Policy. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to that organization. If you do not agree to these Terms, do not use the Service.

2. The Service

MAZ provides the Site and the COCO platform — software that ingests business and financial data and produces analyses, commentary, and reports. The Service is a decision-support tool for business professionals. It is not, and shall not be construed as, professional, legal, tax, accounting, investment, or other regulated advice, and no advisory, fiduciary, or professional-client relationship is created by your use of the Service. Content on the Site is provided for general informational purposes only and should not be relied upon for business decisions without independent verification.

3. Eligibility and accounts

The Service is intended for business use by persons 18 years of age or older. You are responsible for your account credentials, for maintaining their confidentiality, and for all activity that occurs under your account. You agree to provide accurate account information, to keep it current, and to notify us promptly at security@mazinc.com of any unauthorized use of your account.

4. Acceptable use

You agree that you will not, and will not permit any third party to:

• upload data you lack the rights, consents, or authority to provide;
• use the Service in violation of applicable law or to infringe, misappropriate, or violate the rights of any person;
• attempt to probe, scan, breach, or circumvent security, authentication, access controls, or tenancy boundaries, or access data or accounts that are not yours (authorized security testing only under a written agreement with MAZ);
• reverse engineer, decompile, or disassemble the Service, or copy, resell, sublicense, or otherwise commercially exploit it, except as permitted by law;
• access the Service by automated means (scraping, crawling, bulk export) other than through interfaces we provide for that purpose;
• use the Service or its outputs to develop, train, or improve a competing product or service;
• publish or disclose benchmarks or performance evaluations of the Service without our prior written consent;
• upload or transmit malware or other harmful code, or take any action that disrupts or degrades the Service; or
• upload regulated data the Service is not designed for — including protected health information subject to HIPAA, payment card data subject to PCI DSS, or government-classified information — unless expressly agreed with MAZ in writing.

We may investigate suspected violations and may suspend or terminate access as described in §13.

5. Customer Data and license to MAZ

• Your data stays yours. As between you and MAZ, you retain all right, title, and interest in the data you upload to the Service ("Customer Data"). You grant MAZ a limited, non-exclusive license to host, process, and display Customer Data solely to provide and secure the Service for you and as otherwise permitted by our written agreement with you.
• Your responsibilities. You are responsible for the accuracy, quality, and legality of Customer Data and for having the rights and consents necessary to provide it.
• Confidentiality. We treat Customer Data as confidential and handle it as described in our engagement agreements and the Privacy Policy.

6. Relationship to engagement agreements

These Terms govern general use of the Site and baseline access to the Service. Paid services and client engagements are governed by a separate written agreement (for example, a master services agreement, engagement letter, or order form). If a signed agreement conflicts with these Terms, the signed agreement controls for the services it covers.

No obligation. Access to COCO is provisioned by MAZ under such agreements. Nothing in these Terms obligates MAZ to provide the Service to you or your organization, to respond to any inquiry or demonstration request, or to enter into any business relationship. Inquiries and demonstration requests do not create a confidential or advisory relationship; confidentiality obligations arise only under a signed agreement.

7. Intellectual property; feedback

• Our IP. MAZ and its licensors own the Service, including all software, model integrations, designs, and the Service's look and feel, together with all related intellectual-property rights. Except for the limited rights expressly granted in these Terms, MAZ reserves all rights. No trademark, trade name, or logo of MAZ (including "COCO") may be used without our prior written consent.
• Outputs. Subject to your agreement with us and payment of applicable fees, the analyses and reports the Service generates for you are provided for your business use.
• Feedback. If you provide suggestions, ideas, or other feedback about the Service, you grant MAZ a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without obligation to you. Feedback does not include Customer Data.

8. AI-generated output — independent review required

The Service uses artificial intelligence to generate commentary and narratives alongside deterministically computed figures. AI-generated output may contain errors or omissions and is not a substitute for professional judgment. You are solely responsible for reviewing and validating outputs before relying on them or making decisions based on them. MAZ does not warrant that any output is accurate, complete, or suitable for any particular decision. Deliverables prepared by MAZ under a signed engagement agreement are reviewed and approved in accordance with that agreement; this Section applies to Service output you generate or access directly.

9. Modifications to the Service and to these Terms

We are continuously improving the Service and may add, change, or discontinue features at any time. For baseline (non-contracted) access, we do not guarantee that the Service or any feature will remain available. Any beta, preview, or early-access features are provided "as is," may change without notice, and may be discontinued at any time. Material changes that affect a signed engagement are handled under the applicable engagement agreement.

We may revise these Terms from time to time. We will post the revised Terms with an updated effective date and, for material changes, provide additional notice. Your continued use of the Service after revised Terms take effect constitutes acceptance of the revisions.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW. MAZ DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DEFECTS WILL BE CORRECTED.

11. Indemnification

You will defend, indemnify, and hold harmless MAZ and its officers, directors, employees, and agents from and against any third-party claims, damages, and reasonable costs (including reasonable attorneys' fees) arising out of or relating to your misuse of the Service, your Customer Data, or your breach of these Terms, except to the extent caused by MAZ. We will provide you prompt notice of any such claim and reasonable cooperation in its defense.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, ARISING OUT OF OR RELATED TO THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

For paid services, MAZ's total liability is governed by the applicable engagement agreement. Where no signed engagement agreement applies (for example, free Site or baseline access), MAZ's total cumulative liability arising out of or related to the Service will not exceed the greater of the amounts you paid for the Service in the twelve (12) months preceding the claim or one hundred U.S. dollars (USD $100).

Nothing in these Terms limits liability that cannot be limited under applicable law, or either party's liability for its own fraud, gross negligence, or willful misconduct.

13. Term, suspension, and termination

We may suspend or terminate your access to the Service (or any part of it) if you breach these Terms, if required by law, or as reasonably necessary to protect the Service or its users. Upon termination, your right to use the Service ends immediately; handling and deletion of Customer Data follow the applicable engagement agreement and the Privacy Policy. Sections 5 (license scope excepted), 7, 8, 10, 11, 12, 14, and 15 survive termination.

14. Governing law and disputes

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-laws rules. The parties submit to the exclusive jurisdiction of the state and federal courts located in Cook County, Illinois, for any dispute not otherwise governed by a signed engagement agreement, and each party waives its right to a trial by jury.

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

Time to bring claims. Except where prohibited by law, any claim arising out of or relating to the Service must be brought within one (1) year after the claim accrues, or it is permanently barred.

15. General provisions

• Entire agreement. These Terms, together with the Privacy Policy and any signed engagement agreement, are the entire agreement between you and MAZ regarding the Service and supersede all prior or contemporaneous understandings on that subject.
• Severability. If any provision of these Terms is held unenforceable, it will be modified to the minimum extent necessary to be enforceable, and the remaining provisions will remain in full force.
• No waiver. A party's failure to enforce any provision is not a waiver of its right to do so later; waivers must be in writing.
• Assignment. You may not assign these Terms without our prior written consent; MAZ may assign them in connection with a merger, reorganization, or sale of all or substantially all of its assets. These Terms bind and benefit the parties' permitted successors and assigns.
• No third-party beneficiaries. These Terms create no rights in any third party.
• Force majeure. Neither party is liable for delay or failure to perform (other than payment obligations) caused by events beyond its reasonable control, including acts of God, natural disasters, acts of government, labor disputes, internet or utility failures, and denial-of-service attacks.
• Export compliance. You may not use or export the Service in violation of U.S. export-control or sanctions laws, and you represent that you are not located in an embargoed country or on any U.S. government restricted-party list.
• Notices. We may provide notices via the Service or to the email address associated with your account. Legal notices to MAZ must be sent to the mailing address in §16 with a copy to hello@mazinc.com.
• Electronic communications. By using the Service, you consent to receiving communications from us electronically, and you agree that all agreements, notices, and disclosures we provide electronically satisfy any legal requirement that such communications be in writing.
• Headings. Section headings are for convenience only and do not affect interpretation.

16. Contact

Questions about these Terms: hello@mazinc.com. Security matters: security@mazinc.com. Privacy: privacy@mazinc.com.

Mailing address: Maz Innovation Inc., 233 S Wacker Dr, Suite 4400, Chicago, IL 60606, USA.