Nicco Terms of Service

Last Updated: September 9, 2026 Effective Date: September 9, 2026 Applies to: niccohq.com and the Nicco service

Agreement to these Terms

These Terms of Service (the “Terms”) are a legally binding agreement between you and Nicco HQ Inc. (“Nicco,” “we,” “us,” or “our”) governing your access to and use of Nicco, including niccohq.com, Nicco's email-based services, workspaces, relationship intelligence and matching features, AI-assisted features, and related services (collectively, the “Service”).

You accept these Terms when you affirmatively agree to them through Nicco's email or other acceptance flow. After acceptance, your access to or use of the Service is also subject to these Terms. If you are accepting these Terms on behalf of an organization, you represent and warrant that you have authority to bind that organization.

The Nicco Privacy Policy explains how Nicco collects, uses, shares, protects, and otherwise processes Personal Data in connection with the Service. By accepting these Terms, you acknowledge that you have received or had the opportunity to review the Privacy Policy.

If you do not agree to these Terms, do not activate or use a Nicco account.

Definitions

For purposes of these Terms:

• “Customer” means an organization that has an agreement with Nicco to use or make the Service available for its founders, employees, members, portfolio companies, community, or other authorized participants. Incolo is currently a Customer.
• “User” means an individual who has accepted these Terms and is authorized to use the Service.
• “Workspace” means a private area of the Service associated with a company, organization, project, raise, search, or other permitted purpose and accessible only to authorized Users.
• “Shared Graph” means Nicco's non-public relationship and matching layer that can use authorized professional facts and connection facts to identify possible paths between people and organizations. The Shared Graph is not a publicly browsable directory.
• “User Content” means information, communications, files, transcripts, connection data, notes, instructions, and other material that you submit, send, forward, upload, or otherwise provide to Nicco.
• “Professional Information” means information relating to a person's professional identity or role, such as name, employer, job title, professional profile, company affiliation, and professional relationships.
• “Private Contact Details” means an individual's email address, telephone number, and other non-public means of directly contacting that individual.
• “AI Services” means artificial-intelligence models and related services used by Nicco to analyze information, generate suggestions, draft communications, and provide features of the Service.
• “Incolo” means LiveVested, LLC, which operates as Incolo, and, where the context requires, an affiliated Incolo entity acting in its own capacity as a Customer of Nicco.

1. The Service

Nicco helps people find warm paths to other people. You tell Nicco about your professional network — by copying nicco@niccohq.com on emails you were already sending, by sending a connections export, by sending it a transcript of a conversation you recorded, or by forwarding it emails from your own history — and Nicco tells you and the people you have chosen to help who in that network is worth an introduction, why, and who can make it.

Nicco does not make introductions on your behalf. It surfaces a path, drafts the introduction for you to send from your own account, and, at your request, asks the other person whether they are open to it. A human always decides whether to make the introduction and always sends it. This is deliberate and is the core of how the service works.

Helping with a raise. If you are raising capital, or working a list of customers or partners, Nicco keeps that list for you and works it. It adds targets from what you send it (a list, a conversation you recorded, an email you copied it on) and from what it finds; tracks where each one stands, who owes the next move, and what that move is and when; suggests who can reach each target and why, from your network and the networks members have shared; drafts the introduction for you to send; and records the paths you try and what came of them, so its next suggestion is better. In that sense Nicco quarterbacks a raise, in software. It does not contact investors, and it does not decide who you approach.

A person can quarterback a raise too, on whatever terms you agree with them, and Nicco works alongside them: you can invite them into your workspace (section 3) and Nicco assists you both.

Nicco is in beta. Some of what Nicco does is done by people at Nicco rather than by software: confirming an organization's name or a person's role from a public source, deciding which suggested paths are worth your time, keeping a raise pipeline current when you have asked for help with a raise, and sending the occasional message from Nicco's address when they have found someone worth reconnecting with from a conversation you sent. The Privacy Policy says who those people are and what binds them. You can stop the follow-ups at any time by replying "unsubscribe".

Nicco is provided by Nicco HQ Inc., a North Carolina corporation. LiveVested, LLC, a Delaware public benefit limited liability company that also operates as Incolo (incolo.io), owns Nicco HQ Inc. Incolo can also be a customer of Nicco. The ownership relationship does not give Incolo broader rights to Nicco user data: data moves between Nicco and an Incolo entity only as these Terms, the Privacy Policy, an applicable user authorization, and the separate agreement between the companies permit.

2. Eligibility and Authority

You must be at least 18 and able to enter a binding contract. You must use Nicco in a professional capacity. If you are using Nicco on behalf of an organization, you confirm you are authorized to bind that organization to these terms.

3. Accounts and Workspaces

During the beta, you join by emailing nicco@niccohq.com and asking to; Nicco sends these terms and the privacy policy, and your account opens when you reply that you agree. You may be added to Nicco before you have an account so that context sent by others can be attached to you — but nothing is readable and no data of yours is shared until you have accepted these terms. Until then the account is inert.

You are responsible for what happens under your account and for keeping access to your email secure, because email is how Nicco identifies you.

Joining through a customer or community. Nicco is offered to some people through an organization that is a Customer: an investment platform, a fund, an accelerator, an employer or a community. A Customer sees only the information its own agreement and your applicable choices allow; being a Customer does not make that organization an administrator of your Nicco account and does not let it read your private Nicco material.

Incolo onboarding. Incolo is the first Customer. Where you sign an Incolo Launch / RaiseQB agreement that contains the specific Nicco data-sharing language, Incolo may send Nicco a limited onboarding slice: company name, founder name(s), founder email address(es), LinkedIn URL(s) if supplied, and the company’s LinkedIn URL if supplied. That transfer by itself does not make you a Nicco User or open a workspace you can use; using Nicco still requires whatever Nicco account acceptance applies to you. Email in that slice is for identity, account and direct-contact purposes and does not become a shared-graph field unless the person separately opts into that use. Company name, founder name, LinkedIn and company LinkedIn URL may contribute to the Shared Graph only where the version of the Incolo agreement you accepted expressly authorizes that use.

Nicco-direct users. If you join Nicco directly rather than through an Incolo agreement, Nicco does not give your Nicco profile, workspace or private material to Incolo merely because the companies are affiliated. Sharing Nicco information with Incolo requires a separate affirmative choice for that purpose.

Your relationship with a Customer is governed by that Customer's own agreement with you. Where applicable law requires a privacy notice or additional authorization for information received through a Customer, Nicco will provide or obtain it as required.

Additional addresses. You may add other email addresses to your account. Each must be verified from that address before Nicco will use it: Nicco sends a one-time code to the address you already hold and another to the new one, and both must be returned. You may tell Nicco what the address is for. Nicco replies to the address a message came from. If an address belongs to an employer, a client, or any organization whose mail system you do not control, then by writing to Nicco from it you are choosing to have Nicco's replies, including any information about other people they contain, delivered into that system, and you are responsible for being permitted to do so. Nicco records that choice when you make it.

People you invite to help

You can invite other people onto your workspace to help with a raise or a search: an advisor, someone quarterbacking your raise, a well-connected friend. Each of them agrees to these terms themselves before they see anything; nobody can agree on another person's behalf. Once in, they see what the workspace holds for the work: the targets and where each stands, the paths and next actions, the outcomes, and the conversations and emails filed to that workspace. Their own connections stay their own and are shared, if at all, by their own choice, exactly as yours are. What they do in your workspace counts against your workspace's allowance, not theirs. You can remove them, and what they contributed while they were in stays with the workspace. To invite someone, write to Nicco: "invite" followed by their email address. To remove them: "remove" followed by their email address "from my workspace".

4. User Content, Third-Party Information, and Permitted Use

4.1 Your own information

You may share information about yourself and about your own relationships — who you know, where you have worked, who you have introduced to whom. That is your information to share. If you ask Nicco to help with a raise, the list of organizations you want to reach, where each stands, the paths, the next actions and the outcomes are also yours: Nicco keeps them for you, uses them to tell you who can reach each one and why, and shows them to nobody outside your workspace and the people you have invited into it.

4.2 Information about other people

When you copy Nicco on an email, or send a connections export, Nicco receives information about people who are not Nicco users and have not agreed to anything. Nicco treats that information under a strict split:

You can ask Nicco to exclude a particular person from ever being surfaced through you. An exclusion is kept against the person rather than the file, so it holds over every sharing setting and survives a re-upload of your connections. To exclude someone, write to Nicco: "exclude" followed by their email address, their LinkedIn profile, or their name as it appears in your connections.

What Nicco holds about a person who is not a user is what your material says about them: their name, employer, title and public professional profile from a connections export; what was said by and about them on a call you recorded. Nicco uses it the same way whether or not they have an account: to find paths and to explain to you, and to other members where you have shared the connection, why a path is worth taking. There is no directory or profile page anyone can browse, and nothing about a person who is not a user is sent to anyone who does not hold a Nicco account.

Source matters. A person appearing in a connections export is different from a person merely appearing on an email. If you have chosen to contribute your professional connection facts, the limited professional fields from that connections export may help Nicco's Shared Graph find paths. A sender, recipient or CC'd person does not enter the Shared Graph merely because Nicco saw them in an email. Email-derived identity is used to file the message, control who may read it, and resolve identity inside Nicco; it stays Nicco-internal / workspace-scoped unless a later authorization or a separately recorded public-professional source permits broader use. An email address itself is not a shared-graph field.

Shared graph and Customer data

The Shared Graph is a matching layer, not a public directory. Whether a field may contribute is decided field by field and purpose by purpose. Permission for a Customer to see a record is not permission to put that record in the shared graph; permission to contribute a professional field to the Shared Graph is not permission to expose a private email address.

For an Incolo-onboarded founder, the limited five-field slice described in section 3 may reach Nicco where the applicable Incolo agreement authorizes it. Only four of those fields — company name, founder name, LinkedIn and company LinkedIn URL — are eligible to contribute to the Shared Graph under that authorization. Founder email is excluded unless the founder separately opts into system-wide email exposure. Incolo's own relationship data — including advisory, investment, principal, carry, CU, pipeline and other Customer-specific records — stays in its Customer context and does not feed the Shared Graph.

4.3 Recorded conversations

When you send Nicco a transcript of a conversation, Nicco reads it into individual statements, each tied to the exact words it came from, and keeps them private to you and to the people you copied on the email that carried it. Nicco replies with what it recorded and to whom.

• Your own statements are yours to share more widely, by telling Nicco which. The other person's statements can be shared only by them.
• Private statements may inform which introductions Nicco suggests to the people who may read them. They are never repeated to anyone who may not.
• You confirm you had the consent you needed to record the conversation and to share it with Nicco.

4.4 Introduction asks

If you ask Nicco to, it will ask another Nicco user whether they are open to an introduction to a person you spoke with. That message names the person, includes their public professional profile where Nicco has one, says in a few sentences what they are doing as recorded in your conversation, and says why the introduction might be worth their time. It goes only to people who have a Nicco account, and it goes out only because you asked. The introduction itself is still yours to write and send.

4.5 What you promise

You confirm that you have the right to share what you share, that you obtained it lawfully, and that sharing it does not breach an agreement you are under — for example a confidentiality obligation to an employer, a fund, or a portfolio company.

You must not upload information you were given in confidence and are not free to pass on. If you mark information as shareable, you agree that Nicco is not liable for its being shared as these Terms describe.

4.6 Acceptable use

Nicco is for finding and making introductions in a professional setting. You agree not to use it to harass, deceive or impersonate anyone; to send unsolicited or unlawful messages to people it surfaces; to submit material you have no right to share; or to probe, extract or reverse-engineer how it works, what it holds about other people, or the instructions it runs on. Nicco monitors its own conversations for abuse (see the Privacy Policy) and may limit, suspend or close an account that is used this way, at its discretion and, where it can, with an explanation.

4.7 What Nicco's messages are

Nicco writes to you in the first person. Nothing it writes is a commitment, an agreement, a waiver or a promise by Nicco, by any person at Nicco, or by any person it names; only a written agreement signed by Nicco is. Nicco is software reading and writing with the help of AI, and it can be wrong: a path can be stale, a name can be confused, a statement can be misattributed. Check before you act on what it tells you, and tell it when it is wrong.

4.8 Classified and controlled information

Nicco is not certified, accredited or authorized to hold classified information, Controlled Unclassified Information (CUI), export-controlled technical data (for example under ITAR or the EAR), or any other information whose storage or handling a law, a government or a contract restricts (together, "Restricted Information"). Nicco does not review or monitor what you store for Restricted Information and will not know if you store it.

You agree not to upload, send, record, share or otherwise store Restricted Information in Nicco, in any form: an email, an attachment, a transcript, a file or a note, in your own account or in a space. You are responsible for everything you store in Nicco and for knowing whether you are allowed to store it.

If Restricted Information is stored in Nicco, you are responsible for it, not Nicco and not another member who received it through Nicco without knowing what it was. You agree not to bring a claim against Nicco, or against such a member, for having held or received it, and section 16 applies to any claim someone else brings. If you find that you or anyone else stored Restricted Information in Nicco, tell support@niccohq.com as soon as you can and do not share it further. Nicco will delete it rather than archive it, as the Privacy Policy describes.

5. How Nicco Processes User Content

• Nicco receives what you copy it on, forward to it, or send it, and nothing else: it has no connection to your mailbox or other accounts.
• Nicco uses your material to find and explain introduction paths for you and for the members you have chosen to help, to reply to you, and to improve how well it does those things. A field is used outside your workspace only where an applicable sharing authorization or another recorded legal basis allows that purpose. Nicco does not sell personal data.
• Your content is processed by Nicco's AI providers (currently Anthropic for reading and drafting, and Voyage AI for turning text into the vectors that power search by meaning) under commercial terms; Nicco does not train models on your content, and its provider arrangements do not permit training on it (for Voyage AI, Nicco has opted out of data retention and training). Providers may retain processed content for the period their own terms state.
• A person's email address or phone number moves from one account to another only when both people have opted in to be introduced.
• Introductions are made by people. Nicco surfaces a path, drafts the message for you to send, and asks the other side first when you tell it to.
• When you ask Nicco to stop writing to you first, it records that and honours it; it continues to answer what you send.

6. Introductions, Fundraising, and Outcomes

Nicco identifies possible paths. It does not guarantee that a path is warm, that an introduction will be made, that anyone will respond, or that anything will come of it. Whether to make an introduction, and how, is always a human judgment — yours or the introducer's.

Nicco is not a party to any introduction and takes no fee or commission on capital raised. Nicco does not solicit investment, does not recommend investments, and does not act as a broker, dealer, finder, or placement agent. Nothing in the service is investment advice, legal advice, tax advice or professional advice of any kind. Nicco is not responsible for what the people it introduces you to, or names to you, do or say.

7. Artificial Intelligence and Automated Processing

Nicco uses AI to read the emails you copy it on, to categorize them, to draft replies, to read recorded conversations into statements, and to suggest introductions.

AI output is treated as a suggestion, not a fact. Every statement Nicco extracts carries the exact words it came from, and a statement the AI cannot quote is discarded by the software. Nicco uses those statements to suggest introductions to you and to the person who sent the conversation; every suggestion cites the statements it rests on, and Nicco does not suggest what it cannot cite. Nothing is shared more widely, and nothing is added to the Shared Graph, unless the applicable field has an authorization or other recorded legal basis for that purpose. A reviewer may confirm a public-source professional fact; a reviewer cannot substitute for a person's consent where consent is required. Nicco records which information came from a model and which from a human.

Where a person at Nicco has done part of this work by hand (section 1), the same rules apply: a statement carries its source, a suggestion cites what it rests on, and nothing is shared more widely without a person's recorded decision. Information taken from a public source to confirm an organization or a role is recorded with that source, and confirmed by a person before Nicco relies on it.

You may ask for human review of any automated decision that materially affects you.

8. Fees

Nicco is free during the beta. Before any fee applies to you, Nicco will tell you what it is and give you at least 30 days to decide.

9. Suspension, Termination, and Account Closure

You may stop using Nicco at any time and ask for your account to be closed.

Withdrawing your agreement to these terms suspends your access, because these terms are the basis on which Nicco holds your data.

On closure Nicco will delete or archive your data as set out in the Privacy Policy. Information you contributed that has already been shared with others — an introduction you made, a path someone acted on — may remain in their records.

10. Feedback

If you suggest something to Nicco, Nicco may use the suggestion without restriction or payment. It logs suggestions and reads them; it does not promise to build any of them.

11. Intellectual Property and User Content

The software, the text Nicco writes, and the way it works belong to Nicco HQ Inc. What you send Nicco stays yours. You give Nicco the rights needed to process it to provide the service, operate your workspace, and make the specific sharing or shared-graph uses you have authorized, as these Terms and the Privacy Policy describe. Customer-owned context data remains the Customer's data; using Nicco's platform does not transfer ownership of that Customer data to Nicco.

12. Beta Service; Disclaimers

Nicco is a beta service. It may change, pause, or be withdrawn; features described here may be added, altered or removed; and it is provided as it is and as it is available, without a warranty that it will be uninterrupted, error-free, or fit for a particular purpose. Nicco tells you when something material changes (section 13).

13. Changes

Nicco may revise these terms. Each revision is published as a new numbered version with a permanent record of its exact text. Material changes require your agreement before they apply to you — Nicco will not treat continued use as acceptance of a material change.

Every version, and the exact text you agreed to, remains on record.

14. Limitation of Liability

Nicco surfaces paths and drafts messages; people decide and act. To the extent the law allows, Nicco is not liable for what comes of an introduction or of an approach you make on the strength of a path it showed you, for what another person does with information you chose to share, or for indirect, incidental or consequential loss, including lost business or lost funding. Nicco's total liability to you for anything arising from the service is limited to the fees you paid Nicco in the twelve months before the claim, which during the beta is nothing.

15. Governing Law and Venue

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws principles, except where applicable law requires otherwise. Any dispute that must be brought in court will be brought in a state or federal court with jurisdiction in North Carolina, unless applicable law gives you the right to bring it elsewhere.

16. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Nicco HQ Inc. and its officers, directors, employees, and contractors from and against third-party claims, liabilities, damages, losses, and reasonable costs arising from: (a) User Content you submit or direct Nicco to process when you did not have the right to provide or use it for that purpose; (b) your material violation of these Terms; or (c) your unlawful use of the Service.

17. General Terms

Entire agreement. These Terms, together with the Privacy Policy and any additional terms that expressly apply to a feature you use, form the agreement governing your individual use of the Service. If you use Nicco through a Customer that has a separate written agreement with Nicco, that agreement governs Nicco's relationship with that Customer; these Terms govern your use of the Service unless the Customer agreement expressly provides otherwise.

Electronic communications and acceptance. You agree that Nicco may provide agreements, notices, disclosures, and other Service-related communications electronically, including by email. An electronic acceptance through Nicco's designated acceptance flow has the same effect as a handwritten signature to the extent permitted by law.

Assignment. You may not assign or transfer these Terms or your account without Nicco's written consent. Nicco may assign these Terms in connection with a merger, acquisition, reorganization, sale of substantially all relevant assets, or other lawful transfer of the Service.

Severability. If any provision of these Terms is found unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be enforced to the maximum extent permitted by law.

No waiver. A failure or delay by Nicco in enforcing a provision of these Terms does not waive Nicco's right to enforce it later.

Notices. Legal notices to Nicco should be sent to support@niccohq.com unless these Terms or applicable law require another method. Nicco may send notices to the email address associated with your account.

Survival. Provisions that by their nature should survive termination, including provisions concerning ownership, authorized uses of information already shared, disclaimers, limitations of liability, indemnification, governing law, and general legal terms, survive termination to the extent applicable.

18. Contact

Questions about the Service: support@niccohq.com. Questions about Personal Data or a request under the Privacy Policy: privacy@niccohq.com.

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