The terms behind the trust.

By accepting these Terms through an account registration or order process, or signing an order that incorporates them, you agree to be bound by them. If you do not agree, do not register for or use the Services.

The Services are intended for business use by individuals aged 18 or older. If you accept these Terms on behalf of a business, you represent that you have authority to bind that business. In that case, “you” and “Customer” mean the business, and its authorized users must comply with these Terms. If you lack that authority, you must not accept on its behalf.

These Terms, applicable accepted order forms or statements of work (each an “Order”), and any executed data processing agreement (“DPA”) form the agreement between Customer and Carigar. An Order identifies the purchased features, locations, fees, subscription term, and any special service commitments.

An executed DPA controls conflicts concerning personal data processing. An Order controls other conflicts only to the extent it expressly modifies these Terms. Otherwise, these Terms control. Our Privacy Policy explains our information practices. Nothing in these Terms authorizes practices inconsistent with that policy or applicable law.

Carigar builds AI back-offices for small and medium-sized businesses. Depending on your Order and enabled features, the Services may support:

Not every feature is included in every subscription or available for every integration. The applicable Order and product configuration determine the scope of your Services. Descriptions of planned features are not commitments to deliver them unless expressly included in an Order.

We may use AI systems, software automation, and authorized personnel to deliver the Services. Human operational assistance may involve access to relevant Customer Data as described in the Privacy Policy and our agreements.

You must provide accurate account and business information and keep it reasonably current. You are responsible for managing authorized users, assigning appropriate permissions, protecting credentials, and promptly removing access when a user no longer needs it.

You are responsible for instructions and activities carried out by users you authorize, except to the extent an incident results from Carigar’s breach of its obligations. Notify us promptly at info@carigar.ai if you suspect unauthorized access or misuse.

Your administrator may manage access, connect systems, configure workflows, and view information available under the account’s permissions. You must not give a user access to records that the user is not authorized to view.

You may connect systems such as point-of-sale platforms, inventory tools, accounting and payroll software, banking data providers, surveillance systems, and communication services. You represent that you have authority and the necessary permissions to connect each system and make the relevant information available to Carigar.

You authorize Carigar to access and process connected information only as needed to provide the agreed Services and carry out your authorized instructions. Where supported and enabled, this may include creating or updating records, preparing reports, or sending approved communications.

Instructions may be given through account settings, an Order, an approved workflow, Ask, or another agreed communication channel. An instruction authorizes only the requested task and any clearly disclosed recurring operation. Connecting a system does not give Carigar unrestricted authority over your business or accounts.

You must define appropriate permissions and review any proposed workflow before enabling it. Recurring automations may continue within the scope you approve until disabled or revoked. You may withdraw authorization through available controls or by contacting us. Actions already completed, or irreversibly submitted before revocation takes effect, may not be reversible; we will provide reasonable assistance with available corrective steps.

We may pause an instruction that appears unauthorized, ambiguous, unlawful, or technically unsafe and request clarification. Carigar remains responsible for complying with the authorization limits and obligations it accepts.

Carigar uses Plaid Inc. (“Plaid”) to connect supported financial accounts. When you link an account, you provide consent through Plaid’s connection flow. Plaid processes information under its End User Privacy Policy and applicable terms. We never see or store your bank login credentials.

You authorize access to the account information needed for enabled features, such as account details, balances, and transactions, within the permissions granted. You may withdraw consent and unlink an account at any time through available controls or by contacting info@carigar.ai.

Any such capability requires supported functionality and separate, explicit authorization and applicable terms. Authorization to charge your Carigar subscription is also separate from consent to access bank data.

Disconnecting an account stops future access through that connection but does not automatically delete previously collected information. Deletion is governed by the Privacy Policy and applicable DPA.

Third-party services remain subject to their own terms, fees, privacy policies, permissions, and availability. You are responsible for maintaining the accounts, licenses, hardware, connectivity, and permissions required for your integrations unless an Order states otherwise.

Third-party changes, outages, rate limits, delayed records, or revoked permissions may affect the Services. Carigar does not guarantee the accuracy or continued availability of information supplied by those services. We will use reasonable efforts to communicate material integration issues that affect your Services and support available remedies.

This section does not excuse Carigar from its obligations concerning service providers it selects or from its own security, confidentiality, and data processing commitments.

“Customer Data” means records, content, footage, audio, prompts, files, and other information that you or your authorized users provide or make available through the Services, including through connected systems.

As between you and Carigar, you retain your rights in Customer Data. Individuals and third parties retain any rights they have in that information. You grant Carigar a limited right to access, host, copy, process, transmit, and display Customer Data only to provide and secure the Services, fulfill authorized instructions, and meet applicable legal obligations, as described in our agreements and Privacy Policy.

We may allow authorized service providers and personnel to process Customer Data for these purposes under appropriate confidentiality and data protection obligations. This license does not authorize sale of your personal or financial data or disclosure for third-party advertising.

Each party will protect the other’s nonpublic business, technical, financial, and customer information using reasonable care, use it only to perform or exercise rights under the agreement, and disclose it only to people who need it and are bound by appropriate confidentiality obligations. These restrictions do not apply to information lawfully known without restriction, independently developed, publicly available without breach, or lawfully received from another source.

A party may disclose confidential information when legally required, providing advance notice where legally permitted and reasonable assistance to limit disclosure. Trade secrets and personal information remain protected for as long as required by applicable law or the DPA.

You are responsible for determining whether and how monitoring is lawful in your locations, providing required employee and visitor notices, obtaining necessary permissions or consents, and configuring cameras, audio, and access appropriately. This includes compliance with applicable privacy, recording, employment, and biometric laws.

You must not use the Services to monitor private areas unlawfully, conduct covert monitoring where prohibited, or identify or track people without required authorization. General acceptance of these Terms does not substitute for consent from a person being recorded or monitored.

Reports about attendance, activity, customer interactions, and employee performance may contain errors or incomplete context. You must review relevant underlying information and provide any legally required opportunity for human review or correction before taking significant employment action. Carigar is not the employer of your personnel and does not assume responsibility for hiring, compensation, discipline, or termination decisions.

The Services are not an emergency response system, a substitute for onsite security, or a guarantee that incidents will be detected. Live or continuous monitoring, staffing coverage, and response commitments apply only if expressly specified in an Order. Contact emergency services directly in an emergency.

You may use supported communication features only for lawful, authorized purposes. You are responsible for the source and use of contact lists, campaign instructions, message content, and offers, including appropriate approval of AI-generated content before sending or enabling an automated campaign.

You must obtain and retain any required consent, provide required sender identification and disclosures, respect applicable calling restrictions and do-not-call requirements, and honor unsubscribe or consent-revocation requests. Recording, transcribing, or using an artificial or AI-generated voice requires compliance with applicable rules for those activities.

You must not use the Services for spam, misleading messages, impersonation, harassment, or unlawful marketing. Neither uploading a list nor connecting a messaging provider establishes permission to contact its recipients. You must communicate opt-outs received outside Carigar to the appropriate systems so future campaigns respect them.

We may restrict campaigns reasonably believed to violate these Terms, applicable law, or provider requirements. Each party remains responsible for legal obligations applicable to its own conduct.

AI-generated answers, classifications, summaries, forecasts, and suggested actions may be inaccurate, incomplete, or unsuitable for a particular purpose. Similar outputs may be generated for other customers. You must evaluate outputs and underlying records before relying on them for important decisions.

Unless separately agreed in writing, the Services do not provide legal, tax, investment, or licensed accounting advice, act as your fiduciary, or replace qualified professional judgment. Financial reports and payroll calculations depend on the accuracy and completeness of source records and configured rules. You remain responsible for reviewing payments, wages, deductions, filings, and business decisions before authorization or submission.

Carigar does not guarantee a particular return on investment, sales increase, cost saving, conversion rate, error-free reconciliation, or other business outcome. These limits do not remove express obligations in an Order or excuse Carigar from failing to follow authorized instructions.

Fees, billing frequency, purchased locations or users, usage allowances, subscription length, and any setup or support charges must be stated in the Order or checkout terms you accept. No particular price or billing model is established by these Terms alone.

You authorize charges only as disclosed and accepted in the Order or checkout. Usage-based charges, third-party pass-through charges, and charges for additional locations require disclosure of the applicable rate or calculation method. Applicable taxes are your responsibility, excluding taxes on Carigar’s income.

Payment due dates and any consequences of overdue payment are stated in the Order. No late interest or collection charge applies unless disclosed in the accepted Order and permitted by law.

Any automatic renewal must be clearly disclosed in the Order or checkout, including the renewal term, price or pricing method, cancellation procedure, and notice deadline. If no automatic renewal is expressly agreed, the subscription does not automatically renew. We provide renewal and pricing notices required by law or the Order.

Trial duration, included features, limits, and conversion terms must be disclosed before the trial begins. A trial does not convert into a paid subscription without your express agreement to applicable billing terms.

We will not increase fees during a committed term unless you agree to additional services or the Order expressly permits the relevant adjustment. For future renewal periods, we provide advance notice of a price increase and a reasonable opportunity to decline renewal.

You must not:

• Use the Services unlawfully or in violation of another person’s privacy, intellectual property, or other rights.
• Access accounts, cameras, systems, or records without authorization or bypass access controls.
• Introduce malware, interfere with the Services, exploit vulnerabilities, or conduct disruptive security testing without permission.
• Use the Services for fraud, impersonation, harassment, unlawful discrimination, or deceptive reporting.
• Resell access, sublicense the Services, or operate a service bureau without our written agreement.
• Reverse engineer or copy protected portions of the Services except to the extent applicable law permits despite this restriction.
• Remove proprietary notices or misrepresent Carigar outputs as an independent audit, professional certification, or guaranteed finding.

Nothing in this section restricts rights that cannot lawfully be waived or good-faith reporting of security issues to Carigar.

Carigar and its licensors retain rights in the Services, software, designs, documentation, workflows, and underlying technology. Subject to the agreement, we grant you a limited, nonexclusive, nontransferable right to use purchased Services for internal business purposes during the subscription term.

As between you and Carigar, you may use reports and other outputs generated for you for lawful business purposes. To the extent Carigar owns transferable rights in customer-specific output, Carigar assigns those rights to you, excluding underlying technology, reusable tools, templates, and third-party materials. We grant the limited rights in embedded Carigar materials necessary to use the output. This does not guarantee that an AI output is copyrightable or free of third-party rights.

You may voluntarily provide feedback. We may use it to improve the Services without compensation, but feedback does not authorize disclosure of confidential information or unrestricted use of Customer Data. We will not use your name or logo in public marketing without permission.

We use commercially reasonable efforts to operate and support the Services. Unless an Order includes a service-level agreement, no specific uptime, response time, resolution time, or service credit is promised.

Maintenance, internet failures, third-party outages, and other events may interrupt access. We will provide reasonable advance notice of planned material downtime when practicable.

We may improve or change features, but will not materially reduce core functionality purchased for a committed term without providing a reasonably equivalent alternative or allowing termination of affected Services with a prorated refund of prepaid unused fees. Changes do not authorize expanded use of Customer Data contrary to the Privacy Policy, DPA, or applicable law.

Features clearly identified as beta or experimental may change or be discontinued. Do not rely on them for critical workflows without agreed safeguards.

We may suspend access to the extent reasonably necessary to address unauthorized access, a material security threat, unlawful use, a material breach of these Terms, or nonpayment under the billing terms.

Where practicable, we will provide notice, explain the reason, and allow an opportunity to correct the issue before suspension. Immediate suspension may be necessary to prevent harm or comply with law. We will limit the scope and duration reasonably and restore access when the grounds are resolved.

Suspension does not authorize deletion outside the Privacy Policy or DPA, and we will provide reasonable assistance with access to or export of Customer Data where lawful and safe.

You may cancel renewal through available account controls or by emailing info@carigar.ai, subject to the term and notice deadline expressly agreed in your Order. We will acknowledge cancellation and identify its effective date. We will not require a cancellation method more restrictive than permitted by applicable law.

Either party may terminate the affected agreement if the other materially breaches it and fails to cure within a reasonable period after written notice identifying the breach. A party may terminate immediately where the breach cannot reasonably be cured or continued performance would be unlawful.

If you terminate for Carigar’s uncured material breach, or Carigar ends paid Services for convenience before the committed term expires, we will refund prepaid fees for the unused portion of affected Services. If we terminate for your uncured material breach, payment obligations are governed by the Order and billing terms; these Terms do not impose an undisclosed termination penalty.

On termination, access and new processing stop, except as necessary to export or delete information, close the account, or comply with law. You should request export before account closure. We will provide reasonable export assistance for available Customer Data in a commonly usable format, subject to lawful authorization and technical capabilities. Any separately charged custom migration work requires prior agreement.

Consistent with the Privacy Policy, we delete applicable information from production systems within 30 days of account closure or a deletion request, except legally required records. That deadline is not a promise of 30 days of continued access or export availability. Backup and provider retention follow the Privacy Policy and DPA.

Accrued payment obligations, ownership, confidentiality, applicable data protection obligations, liability provisions, and dispute provisions survive termination to the extent needed to give them effect.

Each party represents that it has authority to enter into and perform the agreement. Carigar will perform the Services with reasonable care and skill and materially in accordance with the applicable Order and documentation.

Except for express commitments in the agreement and to the maximum extent permitted by law, the Services and outputs are provided “as is” and “as available.” Carigar disclaims implied warranties of merchantability, fitness for a particular purpose, and noninfringement. We do not warrant uninterrupted or error-free operation or that every error will be detected or corrected.

Nothing here excludes obligations expressly stated in the Privacy Policy, DPA, or Order, or rights and warranties that applicable law does not allow the parties to exclude.

To the maximum extent permitted by law, neither party is liable to the other for indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits or revenue arising from the agreement, regardless of the legal theory, even if advised of their possibility.

Each party’s total aggregate liability arising from the agreement will not exceed the greater of US$1,000 or the fees paid or payable by Customer for the Services during the 12 months preceding the event giving rise to the claim.

These exclusions and limits do not apply to fraud, willful misconduct, gross negligence, liabilities that cannot lawfully be limited, Customer’s unpaid agreed fees, or either party’s breach of confidentiality or data protection obligations. Any alternative cap for confidentiality or data protection claims must be expressly agreed in writing.

The exclusions do not prevent recovery of direct damages solely because those damages concern data restoration or incident response. This section applies only to the extent enforceable under applicable law.

Neither party assumes a general obligation under these Terms to defend or indemnify the other against third-party claims. Any negotiated indemnity, including intellectual property or Customer Data claims, must be set out in an Order or separate written agreement. Each party remains responsible for its own conduct and liabilities under applicable law and the agreement.

Before starting proceedings, the parties will attempt in good faith to resolve a dispute through written notice and discussion. Send notices to Carigar at info@carigar.ai. This does not prevent urgent protective relief or require delay that would cause a claim to become time-barred.

These Terms do not impose mandatory arbitration, a class-action waiver, or a jury-trial waiver. Any such provision requires separate, deliberate drafting and agreement.

Updates. We may update these Terms and will provide email or in-app notice of material changes before they take effect, unless a shorter period is required by law or necessary to address an urgent security issue. Material changes to committed pricing, data rights, liability allocation, or dispute provisions will not apply during an existing committed term without agreement. Changes do not apply retroactively to existing disputes.

Notices. We may send service and legal notices to the email associated with your account. You must keep that address current. Notices to Carigar should be sent to info@carigar.ai, except where law requires another method. Electronic delivery does not override statutory service requirements.

Independent parties. The parties are independent contractors. These Terms do not create a partnership, joint venture, employment relationship, or general agency. Carigar’s authority to perform a supported task is limited to the specific authorization described in these Terms.

Assignment. Neither party may assign the agreement without the other’s consent, except in connection with a merger, reorganization, or sale of substantially all relevant assets if the successor assumes the obligations and the assignment complies with applicable data protection restrictions.

Events outside reasonable control. Neither party is responsible for delay caused by events beyond its reasonable control, provided it takes reasonable steps to reduce the impact and resume performance. This does not excuse accrued payment obligations, required data protection measures, or an agreed refund for Services that will not be delivered.

Entire agreement; severability; waiver. The agreement replaces prior discussions about its subject matter, without overriding a separately executed agreement that expressly remains in effect. If a provision is unenforceable, the remaining provisions continue to apply to the extent possible. Failure to enforce a provision is not a waiver of future enforcement. No third party has enforcement rights except as required by law or expressly agreed.

For questions about these Terms:

Legal entity

Zurons, Inc., operating Carigar

Website

carigar.ai

Email

info@carigar.ai

Mailing address

131 Continental Dr, Suite 305, Newark, DE 19713