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Terms & Conditions

Last updated: 22.01.2026

A legal disclaimer

These Terms and Conditions govern your access to and use of the website, services, platforms, content, and any other offerings provided by RoicLabs.com. By accessing or using our Services, you agree to be bound by these Terms, including any modifications made to them over time. If you do not agree to these Terms, you must not use our Services.

Use of Services

Our Services are intended for businesses, organizations, and individuals seeking marketing, customer engagement, retention, and consulting solutions. You agree to use our Services only for lawful purposes and in accordance with these Terms, all applicable laws, and any contractual obligations you may have with third parties. You may not use our Services to engage in fraudulent, abusive, or illegal activity, to infringe the intellectual property or privacy rights of others, or to interfere with the operation of our Services or systems.

Account Registration and Security

Certain features of our Services may require you to create an account. You agree to provide accurate, current, and complete information during registration and to update it as necessary. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account or other security breaches. Roic Labs is not liable for any loss or damage resulting from your failure to comply with these obligations.

Intellectual Property Rights

All content and materials provided through our Services, including but not limited to text, graphics, images, software, data, reports, methodologies, trade secrets, trademarks, logos, and other proprietary materials, are owned or licensed by Roic Labs. You acknowledge and agree that you do not acquire any ownership rights by accessing or using our Services. You may use such materials only for the purposes expressly permitted by us and in accordance with applicable intellectual property laws. Any unauthorized use, reproduction, or distribution of our content is strictly prohibited.

Client Materials and Submissions

If you provide us with materials, data, or other content in connection with our Services (“Client Materials”), you represent and warrant that you have the right to provide such materials and that they do not infringe or violate any third-party rights. You grant Roic Labs a non-exclusive, worldwide, royalty-free license to use, store, transmit, and display Client Materials solely for the purpose of providing and improving our Services. We may, but are not obligated to, monitor, review, or remove Client Materials at our discretion in accordance with applicable laws.

Fees, Payments, and Refunds

Where applicable, fees for services are described in separate agreements or on our website. All payments must be made in the currency and manner specified. You agree to pay all fees and applicable taxes, and you are responsible for providing accurate billing information. Unless expressly stated otherwise in a separate agreement, all fees are non-refundable. Roic Labs reserves the right to suspend or terminate Services in the event of non-payment.

Third-Party Services and Links

Our Services may contain links to third-party websites, services, or content that we do not control. Such links are provided for your convenience only, and we are not responsible for the content, privacy practices, or terms of those third parties. Your use of any third-party services is subject to their respective terms and conditions, and you agree that Roic Labs is not liable for any loss or damages resulting from such use.

Limitation of Liability

To the maximum extent permitted by law, Roic Labs, its affiliates, officers, employees, agents, and contractors shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including lost profits, loss of data, or business interruption, arising out of or in connection with your use of our Services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless Roic Labs and its affiliates, officers, directors, employees, agents, and representatives from and against any claims, damages, liabilities, losses, costs, or expenses, including reasonable attorneys’ fees, arising out of or relating to your use of our Services, violation of these Terms, or infringement of any intellectual property, privacy, or other rights of third parties.

Termination

Roic Labs reserves the right, in its sole discretion, to suspend, limit, or terminate your access to the Services, with or without notice, for any reason, including violation of these Terms or applicable law. Termination of access does not relieve you of any obligations accrued prior to termination. Sections relating to Intellectual Property, Limitation of Liability, Indemnification, Governing Law, and Dispute Resolution survive termination.

Modifications to Terms

Roic Labs may modify or update these Terms at any time, in its sole discretion. Material changes will be reflected by updating the “Last Updated” date. Continued use of the Services after any modifications constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

Disclaimer

Roic Labs makes no guarantees that the website, its content, features, or services will be error-free, uninterrupted, or that any issues will be corrected. We do not promise that using the website or our services will deliver specific results. All content, materials, and services on the website are provided on an “as-is” and “as-available” basis, and information may change without notice at any time. Roic Labs cannot ensure that any files, data, or materials you download from the website or receive through our services will be free from viruses, malware, or other harmful components.

To the fullest extent permitted by law, Roic Labs disclaims all warranties, whether express or implied, including but not limited to warranties of accuracy, title, non-infringement, merchantability, or fitness for a particular purpose. We are not responsible for the actions, omissions, or conduct of any third parties in connection with or related to your use of the website or our services. Your use of the website and any linked or associated sites is entirely at your own risk.

If you are dissatisfied with the website, any content, or any of our services, your sole remedy is to stop using the website or the services in question. This limitation of liability is an essential part of the agreement between you and Roic Labs, and without it, Roic Labs would not make the website or services available.

Contact Us

If you have any questions regarding these Terms, your rights, or your obligations, you may contact us via email: contact@roiclabs.com
Roic Labs

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Martin Goraczko, CFA,
Strategy & Corporate Finance Consultant

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