Terms and Conditions

1. Who you are agreeing with

These Terms are a contract between you and Cardinale Group ("Cardinale", "we", "us"), registered at V/43, Spinning Mill Road, Kerala 670672, India.

They govern your use of every application, website, and service we offer — together, the "Services". They apply to each of them unless a particular app publishes additional terms of its own, in which case those sit on top of these rather than replacing them.

By creating an account or using any of the Services you accept these Terms. If you do not accept them, do not use the Services.

2. What our software is, and is not

This clause sits near the top rather than buried in the middle, because it is the one that matters most.

Our Services are information tools. Several of them generate summaries, observations, scores, and suggestions automatically, including by means of large language models. That output is informational only.

Cardinale is not a registered investment adviser, broker-dealer, financial planner, tax adviser, accountant, lawyer, or medical practitioner, and nothing the Services produce is personalised professional advice of any kind — financial, investment, tax, legal, or otherwise.

Automated output can be wrong. It can misread its inputs, draw a confident conclusion from incomplete data, or be plainly mistaken. You remain responsible for every decision you make. Verify anything that matters with a qualified professional before acting on it.

3. Eligibility and your account

You must be at least 18 years old and able to form a binding contract to use the Services.

You are responsible for your credentials and for everything done under your account. Tell us promptly at [email protected] if you believe it has been compromised.

You agree that the information you give us is accurate and that you will keep it current.

4. How your data gets in

Our Services work from data you give them. Today that means what you enter yourself, including through shortcuts and other quick-entry tools we publish.

We may add the ability to import records from a file or export you supply. If we do, you choose the file and you are responsible for having the right to use what is in it.

We do not ask for, receive, or store credentials to your bank or to any other account you hold elsewhere, and we do not retrieve data from third parties on your behalf. Should any future Service offer that, it will tell you before it connects, access will be read-only unless stated otherwise at that point, and we will never move money or act on your behalf.

5. Acceptable use

You agree not to:

• use the Services unlawfully, or to launder money or evade sanctions or tax
• enter or import data you have no right to use, including another person's records without their authority
• reverse engineer, scrape, or attempt to extract the models or source behind the Services
• resell or redistribute the Services, or use them to build a competing product
• interfere with the integrity or performance of the Services, or probe them for vulnerabilities without written permission

6. Plans, billing, and changes

Some Services are free. Where a paid plan exists, it is billed in advance for the period you select and renews automatically until cancelled.

Cancellation and refunds are covered in our Cancellation and Refunds policy, which forms part of these Terms.

We may change prices with reasonable notice before the change takes effect for you. If you do not accept a price change you may cancel before your next renewal.

7. Your content and our intellectual property

You keep ownership of the data and content you bring to the Services. You grant us the licence needed to host, process, and display it in order to operate the Services for you.

We keep ownership of the Services themselves — the software, models, design, and the Cardinale name, app names, and marks. These Terms grant you a limited, revocable, non-exclusive, non-transferable right to use the Services, and nothing more.

8. Availability and disclaimers

We work to keep the Services available and accurate, but we provide them “as is” and “as available”, without warranties of any kind to the fullest extent the law allows.

We do not warrant that the Services will be uninterrupted or error-free, or that any figure, categorisation, or suggestion they produce is complete or correct.

9. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, nor for lost profits, lost savings, investment losses, or lost data.

Our total aggregate liability arising out of or relating to the Services is limited to the greater of the amount you paid us in the twelve months before the event giving rise to the claim, or the minimum amount permitted by applicable law.

Nothing here excludes liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence.

10. Suspension and termination

You may stop using the Services and delete your account at any time.

We may suspend or terminate your access if you breach these Terms, if we are required to by law, or if your use poses a risk to other users or to the Services. Where it is reasonable and lawful to do so, we will tell you why.

11. Changes to these Terms

We may update these Terms as the Services change. If a change is material we will give you notice through the product or by email before it takes effect. Continuing to use the Services after that point means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of India.

13. Contact

Questions about these Terms: [email protected].