Terms of Service

1. Introduction and Acceptance

Welcome to culta.ai. These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", "your") and culta.ai Inc., a Delaware corporation ("culta.ai", "Company", "we", "us", "our"), governing your access to and use of the culta.ai website, applications, and services (collectively, the "Service").

BY ACCESSING OR USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SERVICE.

These Terms apply to all visitors, users, and others who access or use the Service, whether located in the United States, European Economic Area (EEA), United Kingdom, or any other jurisdiction.

2. Definitions

• "Account" means a unique account created for you to access our Service.
• "Content" means any information, data, text, graphics, or other materials uploaded, downloaded, or appearing on the Service.
• "Personal Data" means any information relating to an identified or identifiable natural person, as defined under applicable data protection laws including GDPR and CCPA.
• "AI Features" means any artificial intelligence or machine learning powered functionality within the Service, including but not limited to chat assistants, automated insights, and report generation.
• "Third-Party Services" means external services integrated with our Service, including Stripe, Anthropic, and other partners.

3. Eligibility

To use the Service, you must:

• Be at least 18 years of age, or the age of legal majority in your jurisdiction
• Have the legal capacity to enter into a binding agreement
• Not be barred from using the Service under applicable law
• If using on behalf of a business entity, have authority to bind that entity to these Terms

By using the Service, you represent and warrant that you meet all eligibility requirements.

4. Account Registration and Security

When creating an Account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your Account information
• Maintain the security and confidentiality of your login credentials
• Not share your Account credentials with any third party
• Immediately notify us of any unauthorized access or security breach
• Accept full responsibility for all activities under your Account

We reserve the right to suspend or terminate Accounts that contain inaccurate information or that we reasonably believe have been compromised.

5. Description of Service

culta.ai provides a cloud-based financial management and analytics platform designed for businesses. The Service includes:

• Multi-entity financial dashboard and analytics
• Revenue tracking and forecasting
• Expense and subscription management
• Cash runway calculations and projections
• AI-powered financial insights and recommendations
• Report generation and export functionality
• Integration with third-party services (e.g., Stripe)

The Service is provided "as is" and we may modify, suspend, or discontinue any aspect of the Service at any time without prior notice.

6. Subscription Plans and Payment

6.1 Subscription Tiers

We offer various subscription plans with different features and pricing. Current plans and pricing are displayed on our pricing page and may be updated from time to time.

6.2 Billing

• Subscriptions are billed in advance on a monthly or annual basis
• All fees are quoted and charged in US Dollars (USD) unless otherwise specified
• For EU/UK customers, applicable VAT will be added to the subscription price
• Payments are processed securely through Stripe

6.3 Automatic Renewal

Your subscription will automatically renew at the end of each billing period unless you cancel at least 24 hours before the renewal date. You authorize us to charge your payment method on file for renewal fees.

6.4 Price Changes

We may change subscription prices upon 30 days' notice. Price changes will take effect at your next renewal date. Continued use after a price change constitutes acceptance of the new price.

6.5 Refunds

We offer a 30-day money-back guarantee for new subscriptions. After 30 days, subscription fees are non-refundable except as required by applicable law. EU consumers may have additional cancellation rights under the Consumer Rights Directive.

8. AI-Generated Content Disclaimer

8.1 No Professional Advice

AI-generated content, including but not limited to financial insights, recommendations, analysis, forecasts, reports, and chat responses, is provided for INFORMATIONAL PURPOSES ONLY and does NOT constitute:

• Financial advice or financial planning
• Investment advice or recommendations
• Tax advice or tax planning
• Legal advice
• Accounting advice
• Any other form of professional advice

8.2 No Professional Relationship

Use of AI features does NOT create any fiduciary, advisory, professional, or client relationship between you and culta.ai, Anthropic, or any other party.

8.3 AI Limitations

You acknowledge and understand that:

• AI systems may produce inaccurate, incomplete, outdated, or misleading information
• AI cannot account for your complete financial situation or personal circumstances
• AI outputs should be independently verified before relying on them
• AI systems may have biases or limitations in their training data
• AI cannot replace human professional judgment

8.4 Professional Consultation

You should ALWAYS consult qualified professionals before making decisions about:

• Financial planning and investments
• Tax matters and compliance
• Legal issues and contracts
• Business strategy and operations
• Any matter with significant financial or legal implications

8.5 Your Responsibility

YOU ASSUME FULL AND SOLE RESPONSIBILITY FOR ANY DECISIONS MADE OR ACTIONS TAKEN BASED ON AI-GENERATED CONTENT. CULTA.AI EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR DAMAGES ARISING FROM YOUR USE OF OR RELIANCE ON AI-GENERATED CONTENT.

9. Data Protection - United States

9.1 California Residents (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You may request information about the categories and specific pieces of personal information we collect, use, and disclose.
• Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt-Out: You may opt out of the sale or sharing of your personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

We do not sell your personal information.

To exercise these rights, contact us at privacy@culta.ai.

9.2 Other US State Privacy Laws

We comply with applicable state privacy laws including those in Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Utah (UCPA). Residents of these states may have similar rights as described above.

10. Data Protection - European Union and United Kingdom

10.1 GDPR Compliance

For users in the European Economic Area (EEA) and United Kingdom, we process personal data in accordance with the General Data Protection Regulation (GDPR) and UK GDPR.

10.2 Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Contract Performance: Processing necessary to provide the Service you requested
• Legitimate Interests: Processing for our legitimate business interests, such as fraud prevention and service improvement
• Consent: Where you have given explicit consent, particularly for AI features and marketing communications
• Legal Obligation: Processing required to comply with applicable laws

10.3 Your GDPR Rights

Under GDPR, you have the following rights:

• Right of Access (Art. 15): Request a copy of your personal data
• Right to Rectification (Art. 16): Request correction of inaccurate data
• Right to Erasure (Art. 17): Request deletion of your data ("right to be forgotten")
• Right to Restrict Processing (Art. 18): Request limitation of processing
• Right to Data Portability (Art. 20): Receive your data in a structured, machine-readable format
• Right to Object (Art. 21): Object to processing based on legitimate interests
• Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent
• Right to Lodge a Complaint: File a complaint with your local supervisory authority

10.4 International Data Transfers

Your data may be transferred to and processed in the United States. For transfers outside the EEA/UK, we implement appropriate safeguards including:

• Standard Contractual Clauses (SCCs) approved by the European Commission
• Data processing agreements with third-party processors
• Additional technical and organizational security measures

10.5 Data Controller

culta.ai Inc. is the data controller for personal data processed through the Service.

For GDPR-related inquiries, contact our Data Protection contact at dpo@culta.ai.

10.6 EU Representative

Our EU representative for GDPR purposes can be contacted at eu-representative@culta.ai.

11. Acceptable Use Policy

You agree NOT to use the Service to:

• Violate any applicable local, state, national, or international law
• Infringe intellectual property rights of any party
• Upload or transmit viruses, malware, or malicious code
• Attempt to gain unauthorized access to any systems or networks
• Interfere with or disrupt the Service or servers
• Engage in any form of automated data collection without permission
• Impersonate any person or entity
• Harass, abuse, or harm another person
• Use the Service for money laundering or terrorist financing
• Circumvent any security measures or access controls
• Reverse engineer, decompile, or disassemble any part of the Service
• Resell or redistribute the Service without authorization

12. Intellectual Property Rights

12.1 Our Intellectual Property

The Service, including its original content, features, functionality, design, source code, and trademarks, is owned by culta.ai Inc. and protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

12.2 Your Content

You retain ownership of all data and content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, process, and display your content solely to provide the Service.

12.3 Feedback

Any feedback, suggestions, or ideas you provide about the Service may be used by us without any obligation to compensate you.

13. Third-Party Services and Links

The Service integrates with and may contain links to third-party services including:

• Stripe: Payment processing and financial integrations
• Anthropic: AI-powered features (see Section 7)
• Resend: Email communications
• Supabase: Database infrastructure
• Upstash: Rate limiting and caching
• Sentry: Error monitoring

Your use of third-party services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party services.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS
• UNINTERRUPTED OR ERROR-FREE OPERATION

WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE SECURE, OR BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. FINANCIAL DATA AND AI-GENERATED CONTENT ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS PROFESSIONAL ADVICE.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CULTA.AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• BUSINESS INTERRUPTION OR LOSS OF GOODWILL
• DAMAGES ARISING FROM RELIANCE ON AI-GENERATED CONTENT
• DAMAGES ARISING FROM THIRD-PARTY ACTIONS OR SERVICES

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

Some jurisdictions do not allow limitation of liability for certain damages. In such cases, our liability shall be limited to the maximum extent permitted by law.

16. Indemnification

You agree to indemnify, defend, and hold harmless culta.ai Inc. and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; (d) your Content; or (e) your negligence or willful misconduct.

17. Termination

17.1 Termination by You

You may terminate your Account at any time by canceling your subscription and contacting us to delete your Account. Upon termination, you remain responsible for any outstanding fees.

17.2 Termination by Us

We may suspend or terminate your Account immediately, without prior notice, if:

• You breach these Terms
• We are required to do so by law
• We reasonably believe your conduct is harmful to other users, us, or third parties
• Your Account has been inactive for an extended period

17.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. We may delete your Account and data in accordance with our data retention policies. Sections that by their nature should survive termination shall survive.

18. Dispute Resolution

18.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at legal@culta.ai to attempt to resolve the dispute informally within 60 days.

18.2 Arbitration (US Users)

For users in the United States, any dispute not resolved informally shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA). Arbitration shall take place in Delaware, USA, and shall be conducted in English.

18.3 Class Action Waiver

YOU AND CULTA.AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION.

18.4 EU/UK Users

If you are in the EU/UK, you may bring proceedings in the courts of your country of residence. Nothing in these Terms affects your statutory rights as a consumer.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

For users in the European Union, this choice of law does not deprive you of the protection afforded by mandatory provisions of consumer protection laws in your country of residence.

20. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Posting the updated Terms on our website
• Updating the "Last updated" date
• Sending you an email notification for significant changes

Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service and terminate your Account.

21. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

22. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and culta.ai regarding the Service and supersede all prior agreements and understandings.

23. Contact Information

For questions about these Terms, please contact us: