Terms of Service

Last modified: September 25, 2026

1. Who we are and what these terms cover

FDD AI (fddai.org) is a research service operated by R.E.A.L, LLC (“we”, “us”). These Terms of Service govern your use of the service, including questions asked against our library of Franchise Disclosure Documents (FDDs), documents you upload for analysis, and any reports, answers or share links the service produces. By creating an account or using the service you agree to these terms, our Privacy Policy and our Data Handling Policy. We record the date and version you accepted.

2. Eligibility and accounts

You must be at least 18 and able to enter a binding contract. You are responsible for keeping your password confidential and for everything done under your account. Tell us at once if you suspect unauthorised use. Organization accounts are opened by an administrator who is responsible for the members they invite and for charges those members incur.

3. What the service is, and is not

The service uses AI models to summarise and compare information found in FDDs and in documents you provide. It is a research tool. It is not legal, financial, tax or investment advice, and it does not create an attorney-client or advisory relationship. FDDs change, contain errors, and are prepared by franchisors; AI systems can misread or omit information. Always verify anything that matters against the original document and consult a qualified professional before acting.

4. Fees, balance and payment

• The service is pre-paid. You add funds to a balance and each question, report or follow-up is charged against it at the price shown before you run it.
• Usage is billed based on the actual AI cost of each request, with a minimum charge per question that is shown on the site. Accounts also carry a monthly fee, charged to the balance on the first of each month; the remainder of the sign-up month is free. Prices and fees may change with notice on the site.
• Payments are processed by Stripe. Funds added to a balance, registration credits, discount codes and promotional credits are not cash and are not refundable, except where a refund is required by law.
• If a request fails before an answer is produced you are not charged. Charges for completed answers and monthly account fees are final. An unused balance is not refunded on account closure.
• Auto-refill, if you enable it, charges your saved payment method when your balance falls below the threshold you set. You can turn it off at any time under Balance & billing.

5. Acceptable use

You agree not to: use the service for anything other than franchise and FDD research; attempt to extract, scrape or bulk-download the library; upload material you have no right to share; upload malicious files or content designed to manipulate the AI; resell or sublicense the service; or interfere with its operation. We may decline requests outside the service’s scope and may suspend accounts that breach these terms.

6. Your content

You keep ownership of documents you upload and questions you ask. You grant us the limited licence needed to process them and deliver the service, as described in the Data Handling Policy. You confirm you have the right to upload what you upload. We do not add your documents to the library and do not use them to train AI models.

7. Our content

The library, its extracted data, the answers and reports we generate, and the site itself are owned by us or our licensors. You may use answers and reports for your own business purposes, including sharing them with clients and colleagues, but you may not resell them, present them as a substitute for the underlying FDD, or remove notices identifying their source. Share links may be revoked by you at any time and by us if misused.

8. Availability and changes

We aim for continuous availability but do not guarantee it. We may change, suspend or discontinue features, prices or the service with reasonable notice where practical. Material changes to these terms take effect when you accept the new version at sign-in; continued use after notice constitutes acceptance where acceptance is not separately requested.

9. Disclaimer of warranties

The service is provided “as is” and “as available”. To the fullest extent permitted by law we disclaim all warranties, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. AI-generated output may be incorrect.

10. Limitation of liability

To the fullest extent permitted by law, R.E.A.L, LLC and its members, officers and contractors are not liable for indirect, incidental, consequential, special or punitive damages, or for lost profits, revenue, data or business opportunities, arising from your use of the service or reliance on its output. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim arose.

11. Indemnity

You will indemnify us against claims arising from content you upload, your breach of these terms, or your use of output in breach of applicable law.

12. Termination

You may close your account at any time by contacting [email protected]. We may suspend or terminate accounts that breach these terms or present a security or legal risk. Sections 3, 6, 7, 9, 10, 11 and 13 survive termination.

13. Governing law and disputes

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Except for the claims described below, any dispute arising out of or relating to these terms or the service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Manatee County, Florida, with judgment on the award enforceable in any court of competent jurisdiction. Either party may instead bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information. You and we each agree to bring claims only in an individual capacity and not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator may not consolidate claims or preside over any form of class proceeding. You may opt out of this arbitration agreement by emailing [email protected] within 30 days of first accepting these terms. Any dispute not subject to arbitration will be brought in the state or federal courts located in Manatee County, Florida, and you consent to their jurisdiction.

14. Contact

R.E.A.L, LLC, 2414 Avenue A, Bradenton Beach, FL 34217, [email protected].