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Last updated June 5, 2026

Terms of Service

Last updated: June 5, 2026

Welcome to Cobble. These Terms of Service ("Terms") form a binding agreement between you and Cobble Technologies LLC, a New York limited liability company ("Cobble," "we," "us," or "our") and govern your access to and use of the Cobble platform, including our website at cobble.nyc, our applications, and any related services (collectively, the "Services"). By creating an account or otherwise accessing the Services, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use the Services.

1. Our Services

Cobble provides an AI-powered platform for self-managed NYC housing cooperative and condominium boards to organize building documents, ask plain-language questions of those documents with cited answers, track NYC public records and compliance obligations, manage meetings and action items, and stay on top of building operations.

We may modify, suspend, or discontinue any feature of the Services at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Services. By creating an account, you represent and warrant that you meet these requirements.

3. Accounts

To use most features of the Services, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain the security of your account credentials
  • Promptly notify us of any unauthorized use of your account
  • Accept responsibility for all activities that occur under your account

We use Clerk for authentication. By creating an account, you also agree to Clerk's terms and privacy policy as it relates to your account credentials.

4. Your Documents and Content

Documents you upload to Cobble — including but not limited to bylaws, proprietary leases, offering plans, house rules, meeting minutes, vendor contracts, invoices, and similar building governance materials ("Your Documents") — remain the property of your building cooperative, condominium, or you, as applicable.

We do not claim any ownership interest in Your Documents. We process Your Documents solely to provide the Services to you. Specifically:

  • We do not use Your Documents to train, fine-tune, or improve any AI models — ours or any third party's. Our LLM provider (Google) is configured to not retain or train on inputs.
  • We do not sell, license, or otherwise disclose Your Documents to any third party except (a) to operate the Services (e.g., transmission to our LLM provider under enterprise terms prohibiting training), (b) as required by law, or (c) as you explicitly direct.
  • You retain the right to export Your Documents at any time during your subscription, and for thirty (30) days after cancellation.

You grant us a limited, non-exclusive, royalty-free, worldwide license to host, store, copy, transmit, and process Your Documents solely to provide and improve the Services for your account. This license terminates upon deletion of the documents or termination of your account, subject to our Privacy Policy retention provisions.

5. AI-Generated Content

The Services use artificial intelligence ("AI") to interpret and answer questions about documents that you upload. AI-generated answers may contain errors, omissions, or misinterpretations, even when citations are provided. You should verify any AI answer against the underlying source documents before relying on it for any decision.

AI answers do not constitute legal, financial, tax, or other professional advice. For binding decisions, consult a qualified attorney, accountant, or other licensed professional. Cobble is not liable for actions taken in reliance on AI-generated content. See our Disclaimer for additional detail.

6. Public Records Data

The Services retrieve and display publicly available data from New York City government sources, including but not limited to NYC HPD, DOB, DOF, OATH, and NYC Open Data. We surface and contextualize this data but do not modify the underlying records. Inaccuracies in city data may appear in Cobble. We are not affiliated with or endorsed by any NYC government agency. Boards should verify critical information directly with the relevant agency before acting on it.

7. Feedback

If you send us feedback, suggestions, feature requests, or comments about the Services, you grant us a non-exclusive, royalty-free, perpetual license to use that feedback to improve the Services. We do not claim ownership of your ideas. You remain free to use, disclose, or commercialize your feedback in any way you choose.

8. Acceptable Use

You agree not to:

  • Use the Services for any unlawful, harmful, fraudulent, or infringing purpose
  • Upload content that you do not have the right to upload or that violates anyone else's rights (including privacy, publicity, intellectual property, or confidentiality rights)
  • Upload malware, viruses, or any code that could damage or interfere with the Services
  • Attempt to gain unauthorized access to the Services, other users' accounts, or our infrastructure
  • Scrape, crawl, or harvest data from the Services through automated means, except as permitted by our robots.txt
  • Reverse engineer, decompile, or otherwise attempt to derive the source code of the Services
  • Use the Services to send unsolicited communications, spam, or harassment to other users
  • Resell, sublicense, or otherwise commercially exploit the Services without our prior written consent
  • Interfere with or disrupt the Services or servers/networks connected to the Services

We may suspend or terminate your access for any violation of these acceptable use rules.

9. Subscriptions and Cancellation

Some features of the Services may require a paid subscription. If you subscribe:

  • Subscriptions are billed monthly or annually as selected at signup
  • You may cancel at any time; cancellation takes effect at the end of the current billing period
  • We do not provide pro-rated refunds for partial periods
  • Upon cancellation, you retain access until the end of your paid period

Data export on cancellation. Upon cancellation or termination, you may request a full export of your building's documents and data within thirty (30) days. After thirty days, your data may be permanently deleted in accordance with our Privacy Policy, except as required to be retained for legal or accounting purposes.

10. Intellectual Property

The Services, including our software, design, brand, logos, and content created by Cobble, are owned by us and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to access and use the Services in accordance with these Terms. Nothing in these Terms transfers any of our intellectual property to you.

11. Termination

You may terminate your account at any time by canceling your subscription or contacting us. We may suspend or terminate your access if you violate these Terms, if we are required to do so by law, or if we discontinue the Services.

Sections that by their nature should survive termination — including disclaimers, limitations of liability, indemnification, governing law, and intellectual property — survive any termination of these Terms.

12. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Services will be uninterrupted, error-free, secure, or that defects will be corrected. We do not warrant the accuracy or completeness of any AI-generated content, public records data, compliance information, or any other content surfaced through the Services.

See our Disclaimer for additional information.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL COBBLE, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICES.

OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

These limitations apply regardless of the theory of liability (contract, tort, or otherwise), and apply even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the limitation or exclusion of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless Cobble and its officers, directors, employees, and agents from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Services, (b) your violation of these Terms, (c) your violation of any third party right, including intellectual property or privacy rights, or (d) any content you upload to the Services.

15. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws provisions. You agree that any action at law or in equity arising out of or relating to these Terms or the Services that is not subject to arbitration (see Section 16) will be filed exclusively in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of those courts.

16. Dispute Resolution

Informal resolution. Before filing any claim, you agree to attempt to resolve the dispute informally by contacting us at legal@cobble.nyc. We will attempt in good faith to resolve any dispute within sixty (60) days.

Binding arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that is not resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will take place in New York County, New York, and judgment on the award may be entered in any court having jurisdiction.

Exceptions. The following are excluded from arbitration and may be brought in court: (a) claims for injunctive relief; (b) claims of infringement of intellectual property rights; (c) claims that qualify for small claims court.

Class action waiver. You agree to bring any dispute on an individual basis and waive any right to participate in a class action, collective action, or representative proceeding.

17. 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 by posting a notice in the Services. The "Last updated" date at the top of these Terms reflects the most recent revision. Your continued use of the Services after a change takes effect constitutes acceptance of the revised Terms.

18. Miscellaneous

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Cobble regarding the Services and supersede any prior agreements. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect. Our failure to enforce any provision is not a waiver of that provision.

You may not assign these Terms without our prior written consent. We may assign these Terms freely.

These Terms create no third-party beneficiary rights.

19. Contact

Questions about these Terms? Email us at legal@cobble.nyc.