AI Limitations & Fairness Statement

Effective Date: May 15, 2026·Last Updated: May 15, 2026

Rocky is an AI-powered software tool. AI systems have real limitations that you need to understand before relying on Rocky’s output. This statement explains those limitations and the legal lines you must stay on the right side of when using Rocky. It supplements our Disclaimer, Terms of Service, Acceptable Use Policy, and AI Use Disclosure.

1. AI output can be wrong

Rocky’s analysis is produced by a large language model. Models of this type can be:

• Inaccurate. Numbers, citations, market figures, and factual claims may be wrong, including in ways that look confident and detailed.
• Outdated. The model’s knowledge has a cutoff date and may not reflect current market conditions, current interest rates, current laws, or current pricing.
• Incomplete. Rocky may miss material risks, fail to ask the right follow-up question, or omit considerations that a human professional would catch.
• Internally inconsistent. Rocky may produce numbers in one part of a response that don’t reconcile with numbers in another part.
• Fabricated (“hallucinated”). Rocky may produce comparable sales, lender terms, statutes, case citations, agent names, or other content that look real but are not.
• Sensitive to input quality. If you give Rocky bad inputs, you will get bad outputs. Rocky has no independent ability to verify what you tell it.

You must independently verify every material fact, figure, and assumption before relying on Rocky’s output for any decision. See the Disclaimer for the full verification checklist.

2. AI output can be biased

Large language models are trained on large bodies of text from the internet and other sources. Those sources reflect human biases, including biases related to neighborhoods, demographics, property types, asset classes, and investment strategies. As a result, AI output can reproduce, amplify, or obscure those biases in ways that are not always obvious.

Rocky’s output should not be used as a neutral, objective filter for any decision affecting another person’s housing, credit, insurance, employment, or legal rights. The risk of biased or unfair outcomes is real, and we cannot rule it out.

3. Rocky does not make fair-housing decisions

Rocky is designed for property and deal screening — evaluating real estate as an investment, not evaluating people. Rocky is not designed for, authorized for, or compliant with the following uses, and you may not use Rocky for any of them:

• Tenant screening, scoring, ranking, or selection;
• Mortgage or credit decisions about individuals;
• Insurance underwriting decisions about individuals;
• Employment screening of any kind;
• Setting rental criteria, occupancy criteria, or marketing audiences in any manner that has a discriminatory effect on any protected class; or
• Any other adverse action against an identifiable person.

This is both a product limitation and a policy requirement. See the Acceptable Use Policy for the contractual version of these prohibitions.

4. Your fair-housing and consumer-protection responsibilities

You are responsible for ensuring that your use of Rocky and your use of any output Rocky generates complies with all applicable federal, state, and local laws, including but not limited to:

• The federal Fair Housing Act (42 U.S.C. §§ 3601 et seq.) and equivalent state and local fair housing laws, which prohibit discrimination on the basis of race, color, religion, sex (including gender identity and sexual orientation), familial status, national origin, disability, and other protected characteristics in housing transactions, marketing, lending, and rental decisions;
• The Equal Credit Opportunity Act (15 U.S.C. §§ 1691 et seq.) and Regulation B, which prohibit discrimination in credit transactions;
• The Fair Credit Reporting Act (15 U.S.C. §§ 1681 et seq.) and equivalent state laws, which govern consumer reports and adverse actions based on them;
• Real estate licensing laws in your jurisdiction, including agency duties, disclosure requirements, and advertising rules;
• Consumer protection laws governing predatory practices, foreclosure consulting, equity skimming, wholesaling disclosure, and unfair and deceptive acts; and
• Telemarketing and email rules including the Telephone Consumer Protection Act, CAN-SPAM, and state Do-Not-Call lists.

If you are a licensed real estate professional, you are also responsible for compliance with the National Association of Realtors Code of Ethics where applicable, your state real estate commission’s rules, and your brokerage’s policies.

5. Human review is required for any consequential decision

Before you act on Rocky’s output in a way that has real-world consequences — submitting an offer, signing a contract, sending outreach to a homeowner, structuring financing, communicating with a regulator — a qualified human must review the output. For legally significant matters, that human should be a licensed professional in the relevant field (attorney, broker, accountant, lender, inspector, etc.).

Rocky is a thinking partner. It is not a decision-maker, and it is not a substitute for licensed professional judgment.

6. No discrimination warranty

Rocky AI LLC makes no representation or warranty that Rocky’s output is free of bias, that Rocky’s output complies with fair housing or anti-discrimination laws in any jurisdiction, or that your use of Rocky’s output will not result in disparate impact. Compliance with fair housing law and all other applicable law is your responsibility, not ours.

7. Reporting problems

If you encounter Rocky output that you believe reflects bias, produces unfair or discriminatory results, or could lead to a fair-housing problem, please report it to rocky@userocky.com. We take these reports seriously and use them to improve the product.

8. Contact

Questions about Rocky’s limitations or this statement? Contact us at:

Rocky AI LLC

rocky@userocky.com

userocky.com