Legal

Terms of Service

Last updated: October 3, 2026 · Rackor Labs LLC

These terms are the agreement between you and Rackor Labs LLC for using Rackor Model Intelligence and Betty. They cover your account, plans and billing, acceptable use, who owns what, and how disputes are handled, including binding arbitration and a class-action waiver that you can opt out of within 30 days.

1. Agreement to terms

These Terms of Service (the "Terms") are a binding agreement between Rackor Labs LLC ("Rackor," "we," "us," or "our"), a Massachusetts limited liability company, and the individual or organization that uses either of our hosted products or our websites ("you" or the "Customer"). Our products (together, the "Services," and each a "Service") are:

Rackor Model Intelligence ("RackorMI"): a web platform that lets you run and track LLM benchmarks against any OpenAI-compatible model endpoint. You connect your own model endpoints and keys; Rackor never resells inference or hosts models.
Betty, at betty.rackor.com: a personal memory manager for AI agents. Betty stores the people, organizations, facts, events, tasks, and notes you choose to keep, and lets AI apps you connect read and write that memory through the Model Context Protocol ("MCP") on your instruction. On the Betty Assistant plan, you can also email or text Betty to save to that memory and to ask about it.

Our marketing website is rackor.com. Each Service has its own accounts, and these Terms apply to whichever Services you use. You accept these Terms by clicking a button or checking a box indicating your agreement when you create an account or when we present updated Terms to you, or by signing an order form that references them. You also agree to our Privacy Policy, which is incorporated by reference. If you are using a Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to both you and the organization. If you do not agree to these Terms, do not use the Services.

Enterprise use of RackorMI may be governed by a separate order form, which will control in the event of a conflict with these Terms.

2. Accounts and eligibility

You must be at least 18 years old to use the Services. By creating an account, you represent that you are 18 or older and, if acting for an organization, that you are authorized to bind it. You agree to provide accurate information and to keep it up to date, and you are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

RackorMI is multi-tenant. A "user" is a global account, and a "workspace" is the tenant boundary within which benchmarks, transcripts, and results are stored. Workspace members hold roles (owner, admin, or member) that determine what they can do. Account authority is re-derived on every request, so changes to a member's role or removal from a workspace take effect immediately. You are responsible for managing your workspace members and their permissions.

A Betty account belongs to one person and holds one memory. There are no workspaces, shared accounts, or sharing features, and you may not share your credentials with others. You are responsible for the AI apps you connect to your account, the API tokens you create, and everything those apps and tokens read or write, until you disconnect or revoke them.

3. Plans, credits, and billing

RackorMI credits

Usage of RackorMI is credit-metered. One completed benchmark run consumes one credit, and one AI-generated question consumes three credits. Your plan determines how many credits are included and over what period.

RackorMI plans

Free: $0; 2 seats; 10 credits per month; community-visible; 30-day transcript history.
Individual: $5 per month; 1 seat; 50 credits per month; community-visible; indefinite transcript history.
Pro: $29 per month; unlimited seats; 300 credits per month; private; 1-year transcript history.
Enterprise: custom, sales-led pricing; unlimited seats; private; 1-year transcript history. Governed by a separate order form.

RackorMI pay-as-you-go and overage

"Pay-as-You-Go" means a Free-tier workspace with a payment card on file. Pay-as-You-Go usage is billed at $0.10 per credit, up to a default cap of $20 per month. For paid subscribers, usage beyond the plan's included credits (overage) is billed at $0.05 per credit.

Betty plans

Free: $0; one account, one memory, and one connected app or API token. Keyword search, the web app, the MCP server, and full export and import are included.
Betty Standard: $3 per month; everything in Free plus semantic search, which finds records by meaning, reminder and digest emails, and more than one connected app or API token. Semantic search sends memory text to OpenRouter, our subprocessor, as described in our Privacy Policy. We may set a fair-use limit on the amount of text embedded per account each month.
Betty Assistant: $6 per month; everything in Betty Standard plus Betty Assistant, described in Section 4. Betty Assistant has daily and monthly usage limits, which we set and may change.

There is no free trial of Rackor Model Intelligence. Its Free tier is a permanent tier that you may use at no charge subject to its limits.

Each new Betty account receives 30 days of Betty Standard at no charge, and no payment card is required. Each email address receives these 30 days once: an account whose email address, in any form (for example, with a "+" tag), has received them before does not receive them again. When the 30 days end, the account moves to the Free plan unless you have subscribed. You may subscribe at any time. If you subscribe to Betty Standard while your account has it at no charge, your first charge is on the day that period ends, or on the day you subscribe if that is less than 2 days away. Betty Standard and Betty Assistant are purchased from inside your Betty account.

Betty Assistant has no free period, and the 30 days and referral months never include it. When you upgrade to Betty Assistant, you are charged at once. If you already pay for Betty Standard, you pay the difference for the rest of the billing period; if your account has Betty Standard at no charge, that free time ends when you upgrade. When you move from Betty Assistant back to Betty Standard, the change takes effect at once, Betty Assistant stops reading your email and texts, and you receive a prorated credit toward future charges for the unused part of the period.

Betty referrals

Each Betty account has a personal referral link. When a person creates a new Betty account through your link, confirms their email address, and receives the 30 days described above, the new account and your account each receive one additional month of Betty Standard at no charge. The new account's month begins when its first 30 days end. Your month begins when your current period of Betty Standard at no charge ends or, if it has already ended, on the day the new account is created. An account can earn at most 3 months in total by referring others; a month received for signing up through someone else's link does not count toward that limit.

Referral months have no cash value and cannot be transferred or exchanged. If you already pay for Betty Standard or Betty Assistant, referral months run at the same time as your subscription and do not reduce, credit, or refund any charge. A link used by its own account or by an account with another form of the same email address, or a code we do not recognize, has no effect. We may withhold or remove referral months obtained through fake, duplicate, or self-referred accounts, and we may change or end the referral program for future referrals at any time.

Auto-renewal, cancellation, and price changes

Paid subscriptions (RackorMI Individual and Pro, and Betty Standard and Betty Assistant) automatically renew monthly until cancelled. You may cancel at any time through your account settings, and cancellation online is no more difficult than signing up was. When you cancel, future charges stop and your account drops to the RackorMI Free tier or the Betty Free plan at the end of the paid period; you retain access to your paid plan through the end of that period. When a Betty subscription ends, semantic search, reminder emails, and Betty Assistant stop, and all of your memory content is kept.

We may change our prices. Price changes will not apply to you until your next renewal, and we will notify you by email at least 30 days before a price change takes effect for you. If you do not agree to a price change, you may cancel before it applies.

Payments, taxes, and refunds

Payments and subscriptions are processed by Stripe. For RackorMI, sales tax is calculated using Stripe Tax. You are responsible for all applicable taxes. All fees are non-refundable except where a refund is required by law, apart from the prorated Betty credit described above. Enterprise billing is governed by the applicable order form.

4. Betty Assistant: email and text messaging

Betty Assistant is part of the Betty Assistant plan. It lets you email or text Betty to save information to your Betty memory and to ask questions about it. Betty uses an AI model to read your message, record what it describes, and write a reply. Like any model output, what it saves and what it answers may be inaccurate or incomplete, so review what it reports. Betty Assistant cannot delete, archive, merge, or export records, and it is designed not to save passwords, PINs, recovery codes, card or bank account numbers, or government ID numbers. It may not catch every one, so do not send them.

Email

Your account has a private Betty Assistant email address. Betty reads an email to it only when the email comes from your account's email address or another address of yours that you confirmed, and your email provider has signed it. Betty is told to treat a forwarded email as content to save and not to follow instructions in it, and from a forwarded email it can only add records. Replies go only to your own address. Keep your Betty Assistant address private; you can replace it at any time in the app, and email to the old address is then ignored.

Text messaging (SMS)

"Betty Assistant" text messaging is a program of Rackor Labs LLC. Subscribers text Betty's number, (844) 238-8922, to save to and ask about their Betty memory, and Betty texts back a reply. By linking a mobile number, you agree to these terms for text messaging:

How you opt in. You opt in only by linking your mobile number in the Betty app (Assistant, then Text Betty): you enter the number, check the box agreeing to receive texts from Betty Assistant, and enter the code we text to that number. We text a number only after you check that box, and we send nothing but the code until you enter it. Agreeing to texts is not a condition of any purchase.
What we send. A code to link your number, one text when it is linked, and replies to the texts you send, including a request for your PIN, and short notices about your account, such as when you reach a limit or your plan changes. We send no marketing texts and no reminders by text. Message frequency varies with how often you text Betty.
Costs. Message and data rates may apply. Rackor does not charge for texts beyond the Betty Assistant plan.
How to stop. Text STOP to (844) 238-8922 at any time to stop all texts. You will receive one text confirming it, and no further texts to that number. UNSUBSCRIBE, CANCEL, END, QUIT, STOPALL, OPTOUT, and REVOKE work the same way. To receive texts again, text START.
Help. Text HELP to (844) 238-8922, or email help@rackor.com.
Where it works. Texting is available for one US mobile number per account, and Betty Assistant answers texts only while your account has the Betty Assistant plan. Betty reads the words of a text and ignores pictures and other media.
Your PIN. A text shows only which number sent it, so Betty answers questions about your memory by text only after you text the PIN you set in the app, and only for the unlock time you choose. Without your PIN, a text can only add to your memory. Keep your PIN private and do not share it with anyone; you are responsible for activity under your linked number and your PIN. Text LOCK to end an unlock early. If your phone is lost or your number changes, remove the number in the app.
Carriers. Mobile carriers are not liable for delayed or undelivered messages.
Privacy. How we handle your number, your consent, and your texts is described in our Privacy Policy.

We may change, suspend, or end text messaging, and we will update these terms before a change to how you opt in or opt out.

5. Acceptable use

When you use the Services, you agree that you will:

comply with the terms of any model provider, endpoint, or AI app you connect, and honor any usage limits or restrictions those providers impose;
take responsibility for the endpoints, API keys, apps, and tokens you connect and for the content you submit through the Services, including content a connected app records on your instruction;
store information about other people in Betty only where you are permitted to do so, and keep it accurate;
not submit or generate unlawful, infringing, or harmful content, or use the Services to violate the rights of others;
not attempt to circumvent the Services' security controls, the sealed answer keys, or other customers' private content, or otherwise access data you are not authorized to access; and
not resell, sublicense, or commercially exploit the Services except as expressly permitted, and not scrape, crawl, or systematically extract data from the Services.

We may suspend or limit access to a Service to protect it and its users if we reasonably believe these rules have been violated.

6. Your content and license

As between you and Rackor, you retain ownership of the benchmarks, prompts, questions, transcripts, scores, and other content you create or submit through RackorMI, and of the memory content in your Betty account, whether you entered it, a connected app recorded it on your instruction, or you imported it (together, "Your Content"). You grant Rackor a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display Your Content solely as necessary to operate and provide the Services to you, including serving your Betty memory to the apps you connect and the RackorMI community-publishing behavior described below. Rackor does not use Your Content to train models.

On RackorMI community-visible plans (Free, with or without Pay-as-You-Go, and Individual), publishing a benchmark version automatically lists it to the community. On private plans (Pro and Enterprise), sharing to the community happens only when a workspace admin deliberately chooses to publish. When a benchmark version is shared, only the prompt template, sampling defaults, scorer type, question rows with the answer key sealed, the publisher's username, and an aggregate leaderboard are made available. The sealed answer key (gold and accepted answers), full scorer configuration, transcripts, and per-question pass/fail results are never shared. Answer keys are not published, and your own transcripts and per-question results stay visible only to you and remain private to your workspace. Additional detail is in our Privacy Policy.

Betty has no publishing or sharing features. Your memory is visible only to you and to the apps you connect. You can export all of it at any time, and deleting your Betty account erases it.

You represent that you have the rights necessary to submit Your Content and to grant the license above, and that publishing a benchmark to the community does not infringe anyone else's rights.

7. Copyright complaints (DMCA)

We respect intellectual property rights and expect users to do the same. If you believe content on a Service infringes your copyright, send a notice complying with 17 U.S.C. § 512(c)(3) to our designated agent:

Your notice must identify the copyrighted work, identify the allegedly infringing material with enough detail for us to locate it, include your contact information, a statement of good-faith belief that the use is unauthorized, a statement under penalty of perjury that the notice is accurate and you are authorized to act, and your physical or electronic signature. We will respond to valid notices, which may include removing or disabling access to the identified material. If your content is removed and you believe the removal was mistaken, you may submit a counter-notice under 17 U.S.C. § 512(g). We terminate the accounts of repeat infringers in appropriate circumstances.

8. Our intellectual property

Rackor owns all rights, title, and interest in and to the Services, including the software, underlying technology, the Rackor and Betty brands and trademarks, and our documentation. Except for the limited rights expressly granted to you in these Terms, we reserve all rights. You may not copy, modify, distribute, sell, or lease any part of the Services, or reverse engineer them, except as permitted by law.

If you provide feedback, suggestions, or ideas about the Services, you grant Rackor a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate that feedback without obligation or compensation to you.

9. Third-party services, endpoints, and connected apps

RackorMI works by sending prompts to the model endpoints you connect. You choose those endpoints and provide their base URLs and API keys. Those endpoints and providers (for example llama.cpp, vLLM, Ollama, OpenRouter, OpenAI, and other hosted providers) are third parties governed by their own terms of service and privacy practices, which you are responsible for reviewing and following.

Betty works with the AI apps you connect (for example Claude.ai, ChatGPT, Claude Code, and other MCP clients). Those apps are operated by third parties under their own terms and privacy practices, which you are responsible for reviewing and following. A connected app reads and writes your memory on your instruction; Betty records which app or token wrote each fact, event, task, and note revision. Apps connected over MCP cannot delete, archive, or merge records; an API token can also use Betty's REST API, which can. Rackor does not control what a connected app does with information it reads from your memory.

Rackor is not responsible for the availability, security, or output of third-party endpoints or apps. Model outputs are probabilistic and may be inaccurate, incomplete, or unexpected, and a connected app may record inaccurate facts in your memory. You are solely responsible for the endpoints, keys, apps, and tokens you connect, for reviewing what they write, and for how you use any output you obtain through the Services.

10. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. Rackor does not warrant that the Services will be uninterrupted, error-free, or secure.

Benchmark results are informational only. They are not guaranteed to be accurate, complete, or fit for any particular purpose, and they should not be relied upon as the sole basis for any decision. Betty is a memory aid. Its contents are only as accurate as what you and your connected apps put in it, and reminder and digest emails are only as timely and complete as the tasks and dates in it. Model behavior is provided by third parties and is probabilistic. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RACKOR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICES, WHETHER OR NOT RACKOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RACKOR'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID RACKOR FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) US$100. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you; nothing in these Terms limits liability that cannot be limited under applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Rackor and its members, managers, officers, and employees from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to Your Content, the endpoints, keys, apps, and tokens you connect, your use or misuse of the Services, or your violation of these Terms or applicable law.

13. Term and termination

These Terms apply while you use the Services. You may stop using a Service and close your account at any time, and you may cancel a paid subscription as described in the billing section. We may suspend or terminate your access if you violate these Terms, if required by law, or to protect a Service or its users.

On termination, your right to use the Service ends. We may delete or prune your data in accordance with our retention practices and the Privacy Policy, though we may retain information as needed to meet legal or accounting obligations. Provisions that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, indemnification, and the dispute-resolution terms) will survive.

14. Governing law, arbitration, and disputes

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-laws rules.

Informal resolution

Before starting a formal proceeding, you agree to first contact us at legal@rackor.com and give us a 30-day good-faith period to resolve the dispute informally. This notice must include your name, account email, and a description of the dispute and the relief sought. The informal-resolution period is a condition to starting arbitration or litigation.

Binding individual arbitration

If we cannot resolve a dispute informally, you and Rackor agree to resolve it through binding individual arbitration administered by the American Arbitration Association (AAA) under its applicable Consumer or Commercial Arbitration Rules. The arbitration will be seated in Massachusetts, though consumer arbitrations may proceed by videoconference or, where the AAA Consumer Rules provide, in the county where you live. Judgment on the award may be entered in any court with jurisdiction.

Class-action waiver

You and Rackor agree that each may bring claims against the other only on an individual basis, and not as a plaintiff or class member in any class, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims or preside over any class or representative proceeding.

Non-severability of the class waiver. If a court or arbitrator determines that this class-action waiver is unenforceable as to a particular claim or request for relief, then that claim or request (and only that claim or request) must be brought in court, and the remainder of the dispute will proceed in arbitration. Under no circumstances may a class, consolidated, or representative proceeding take place in arbitration.

Coordinated filings

If 25 or more arbitration demands of a substantially similar nature are filed against Rackor by or with the assistance of the same law firm or organization, the parties agree that the demands will be resolved in staged proceedings: the parties will each select up to 10 demands to proceed first as bellwether arbitrations, and the remaining demands will be tolled and will not be filed (and no fees will be due on them) until the bellwether arbitrations conclude, after which the parties will meet and confer in good faith about resolving the remainder.

Small-claims carve-out

Either party may bring a qualifying claim in small-claims court instead of arbitration, so long as the claim stays in that court and proceeds only on an individual basis.

30-day opt-out

You may opt out of this arbitration agreement (including the class-action waiver) by emailing legal@rackor.com within 30 days of first accepting these Terms, stating your name, account email, and intent to opt out. If you opt out, the arbitration and class-waiver provisions will not apply to you, but the rest of these Terms will.

Jury-trial waiver and time limit

To the extent a dispute proceeds in court rather than arbitration, you and Rackor each waive any right to a jury trial to the fullest extent permitted by law. Any claim arising out of or related to the Services or these Terms must be brought within one year after the claim arises, or it is permanently barred, unless applicable law requires otherwise.

15. General terms

Changes to these Terms. We may update these Terms from time to time. For material changes (including any change to pricing, this Section 15, or the dispute-resolution terms in Section 14) we will notify you at least 30 days before the change takes effect, by email or by a prominent notice in the Services, and the change will not apply to you until that period ends. For non-material changes, we will revise the "Last updated" date, and the change takes effect when posted. Your continued use of a Service after a change takes effect means you accept the revised Terms; if you do not agree, you should stop using the Services and may cancel as described in Section 3. Changes to the arbitration provisions do not apply to disputes that arose before the change took effect.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent, and any attempted assignment in violation of this section is void. Rackor may assign these Terms without your consent in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets, or to an affiliate.

Severability. Except as stated in the "Non-severability of the class waiver" provision above, if any provision of these Terms is held unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

Force majeure. Rackor will not be liable for any delay or failure to perform caused by events beyond its reasonable control, including natural disasters, war, terrorism, labor disputes, governmental action, internet or utility failures, or failures of third-party providers.

Notices. We may provide notices to you by email to the address on your account or through the Services, and notices are effective when sent or posted. You may provide legal notices to us at legal@rackor.com or by mail to the address in Section 16. You are responsible for keeping your account email current.

Waiver. A failure to enforce any provision of these Terms is not a waiver of the right to enforce it later.

Entire agreement. These Terms, together with the Privacy Policy and any applicable order form, are the entire agreement between you and Rackor regarding the Services and supersede any prior agreements on that subject.

16. Contact

If you have questions about these Terms, contact us at legal@rackor.com or by mail at:

Rackor Labs LLC
82 Wendell Lane, Ste 100
Pittsfield, MA 01201
United States