GLOBAL TERMS AND CONDITIONS OF USE, LICENSE, AND SERVICES

1.1. Perfection of Consent and Digital Signature: Access to Kibo's core functionalities requires your express consent through electronic validation mechanisms in our User Interface (UI). You explicitly acknowledge and accept that Kai Studios, S.A.S. employs forensic-grade technology and passive auditing to record such perfection. Upon interacting with the acceptance elements, our server immediately centralizes, captures, and encrypts (using AES-256 GCM cryptographic algorithms) your originating IP address, the full User Agent string of your browser/device, and the Timestamp strictly referenced to the UTC 0 time zone.

1.2. Contractual Immutability: To guarantee the irrefutability of the contract, the system automatically generates an audit log in the database (MariaDB) linking your act of acceptance to a unique cryptographic identifier (SHA-256 Hash) corresponding to the exact version of this document. The receipt of the welcome transactional email containing the attached PDF of these Terms and its respective digital footprint constitutes full, sufficient, and legally binding documentary proof, waiving any defense alleging the lack of a physical signature or vices in electronic consent. If you disagree with a single provision of this document, you lack the license to execute our software and must cease its use immediately.

2.1. Real-Time Multimodal Ingestion and Logging: The Platform allows the user to send voice notes, unstructured text messages, and photographs of payment receipts (tickets/invoices) directly to an automated WhatsApp channel. Our Artificial Intelligence engine asynchronously processes these inputs, infers context, deduces budget categories, and extracts monetary amounts to update a Ledger in our relational database.

2.2. Advanced Wealth Tracking: The Platform provides an interface and algorithmic processing capability for the user to consolidate, subtract, add, and audit multiple accounts, investments, credit card debts, and liquid cash, generating a panoramic view of their cash flow. This consolidation depends entirely on the accuracy, timeliness, and truthfulness of the data supplied exclusively and manually by the user through conversational interactions.

2.3. On-Demand Executive Report Generation: The system includes a dynamic generation microservice that compiles the user's income statement and goal progress into highly legible Portable Document Format (PDF) files, which are transmitted to the user on demand.

2.4. Ecosystem Limitations: The user understands and accepts that the Platform DOES NOT connect directly to the user's financial institutions' banking infrastructure (Open Banking) to read balances or execute transfers. Kibo operates under the principle of declarative accounting fed by the user themselves ("Pocket CFO"), so the veracity of the generated reports is directly proportional to the discipline and accuracy of the user's declarations to the Artificial Intelligence.

3.1. Multi-Path Authentication: Secure access to the user web portal and subscription configuration is managed through two exclusive methodologies: (a) OTP (One-Time Password) Codes: Upon requesting access, the Platform generates an ephemeral numeric token transmitted via email or WhatsApp. This code is subject to a rigorous Time-To-Live (TTL) of exactly 5 minutes, transiently managed in our ultra-high-speed memory layer (Redis). Once expired, the code is irreversibly destroyed at the server level. (b) Biometric Passkeys (WebAuthn): The user can cryptographically link their mobile device or desktop computer hardware (via FaceID, TouchID, Windows Hello, etc.) to generate direct, tokenized access to our API, bypassing the need to request subsequent OTP codes.

3.2. Inalienable and Joint Device Responsibility: IT IS THE EXCLUSIVE, ABSOLUTE, AND NON-DELEGABLE RESPONSIBILITY OF THE USER TO MAINTAIN PHYSICAL AND LOGICAL CONTROL OF THEIR MOBILE DEVICE, EMAIL CLIENT, AND WHATSAPP INSTANCE ASSOCIATED WITH THE NUMBER REGISTERED IN KIBO. Any instruction for expense logging, wealth consolidation, subscription plan modification, or Ledger alteration executed following a successful validation of an OTP or Passkey signature will be irrefutably presumed as originated, ratified, and legally executed by the Account Holder. KAI STUDIOS, S.A.S. categorically repudiates and disclaims any civil, commercial, or criminal liability for identity theft, information embezzlement, financial report alteration, or third-party access resulting from the user sharing temporary codes, lacking a screen lock on their device, or suffering a SIM card cloning (SIM Swapping) or WhatsApp web session hijack.

4.1. Absolute Absence of Professional Relationship: KAI STUDIOS, S.A.S., the corporate entity, its shareholders, developers, machine learning engineers, and its Artificial Intelligence ARE NOT financial advisors, are not registered with the Securities and Exchange Commission (SEC), or any governmental entity. We are not certified public accountants or tax agents.

4.2. Informational Nature: The expense reports, category breakdowns (e.g., deductions, health, transport), family budget balances ("Kibo Family"), and cash flow analyses displayed by the Platform are mathematical estimations of a strictly informational, organizational, and recreational nature. No data generated by the App should be interpreted as investment advice, insolvency dictation, tax planning for tax returns, or recommendations for the acquisition or liquidation of financial assets, bonds, or stocks.

4.3. Exemption from Tax and Legal Consequences: You are the sole, ultimate, and absolute party responsible for the veracity and legality of the figures you choose to report to the tax, revenue, or fiscal authorities of your country of residence (such as the IRS in the US, SAT in Mexico, or HMRC in the UK). KAI STUDIOS, S.A.S. rejects and declines all extra-contractual, criminal, administrative, or fiscal liability for unfavorable audits, governmental fines, surcharges, coercive collections, or prison sentences arising from the blind use or transfer of data contained in Kibo's PDF reports to your official tax returns. Kibo is a private, blind auditor, not an accounting ledger certified by the State.

5.1. Probabilistic Nature and "Hallucinations": Kibo's Artificial Intelligence does not possess conscious human reasoning or an infallible factual understanding of the value of money. It functions through the mathematical prediction of tokens and statistical patterns. Consequently, it is intrinsically susceptible to technical failures such as: interpreting a $10.00 charge as $1000.00, confusing the currency of the receipt (MXN vs USD), failing to transcribe audio with background noise, or inventing erroneous classifications—a phenomenon known in the industry as "hallucinations".

5.2. Context Window Limitation: The user understands that the Artificial Intelligence possesses an algorithmic limit in its active memory (context window). If the user sends excessively long histories, prolonged audios, or chained interactions, the system may omit critical data mentioned at the beginning of the conversation and generate unbalanced ledgers.

5.3. Human Verification Responsibility: It is a strict obligation of the user to actively verify, audit, and contrast the balance confirmations sent by the Artificial Intelligence in the WhatsApp chat against their own receipts and real bank statements. Kai Studios, S.A.S. assumes no liability whatsoever for inaccurate balances, actual bank account overdrafts, or irresponsible purchasing decisions based on an erroneous budget balance probabilistically calculated by our AI engine.

6.1. Meta Platforms, Inc. Ecosystem (WhatsApp): Bidirectional communication and audio/image reception are executed using the WhatsApp Cloud API. Kai Studios, S.A.S. exercises no control over uptime, spam filtering algorithms, global latency, or massive bans executed by Meta. We disclaim all liability if Meta Platforms interrupts the service, temporarily blocks Kibo's business number, or modifies its Terms of Service, rendering user interaction unusable. Likewise, the user is invariably obligated to comply with the WhatsApp Messaging Policy; sending spam, extortion, or prohibited content to the Kibo chat will result in permanent expulsion from the ecosystem.

6.2. Payment Infrastructure (Stripe): KAI STUDIOS, S.A.S., under strict PCI-DSS standards, never requests, processes, touches, transmits, views, or stores in its own databases (MariaDB) the sensitive data of your credit card, debit number, or CVV code. All high-security operations, global recurring billing, multi-currency handling, and subscription management are technically, operationally, and legally delegated to Stripe, Inc. Any dispute regarding bank fraud, chargebacks, or security breaches in payment methods must be resolved under the terms of the payment gateway provider.

7.1. Membership Levels and Trial: Following registration (Onboarding), the user enters an adoption funnel with a temporary Free Trial Period (commonly 14 days referenced to UTC 0), allowing them to experience zero friction and premium functionalities. During or after this period, the user must select a paid plan (e.g., Kibo Solo Plan or Kibo Family Plan) via the billing infrastructure to maintain access to the AI engine and Ledger consolidation features. If no valid payment method is registered before the trial's conclusion, the account will suffer an automatic downgrade to a restrictive "Free" tier (read-only mode), disabling the addition of new financial entries.

7.2. Automatic Renewal and Idempotency: By providing their payment method, the user grants express, unconditional, and continuous authorization to Kai Studios, S.A.S., and Stripe to execute automated recurring charges, according to the chosen periodicity (monthly, annually). Kibo's backend audits every Stripe transactional webhook using mathematical idempotency mandates to prevent duplicate charges due to network failures.

7.3. Strict No Refund Policy: DUE TO THE DIGITAL AND IMMEDIATE NATURE OF EXECUTING COSTLY AI PROCESSING ALGORITHMS IN THE CLOUD, KAI STUDIOS, S.A.S. ESTABLISHES A STRICT CORPORATE ZERO-REFUND POLICY. Under no circumstances will fiduciary credits, full refunds, or prorated refunds be granted for partially used subscription months or cycles, regardless of the frequency of use the user has given the application during said month.

7.4. Transparent Cancellation Mechanism: We categorically prohibit the use of "Dark Patterns". The user can cancel their recurring membership at any time and without friction through their client portal ("Dashboard"). Upon cancellation, the system orchestrates the termination of charges in Stripe (cancel_at_period_end), meaning the user will continue to enjoy premium service until the very last minute of the month or year already fully paid, at which point the service will be revoked.

8.1. Trade Secrets and Patents: The development of Kibo's infrastructure represents a monumental engineering investment. The backend source code (NestJS/Fastify), relational database schemas (Prisma/MariaDB), asynchronous queue architecture (Redis/BullMQ), protection heuristics, language model context injection directives (System Prompts), and the algorithmic design of multimodal image processing constitute invaluable Commercial and Industrial Trade Secrets of absolute, perpetual, and non-transferable ownership by KAI STUDIOS, S.A.S.

8.2. Prohibition of Reverse Engineering and Exploitation: The user is granted a temporary, revocable, non-sublicensable, and strictly personal license to interact with the platform. IT IS STRICTLY, CRIMINALLY, AND CONTRACTUALLY PROHIBITED TO: (a) Decompile, disassemble, or attempt reverse engineering to extract the underlying Artificial Intelligence model; (b) Extract or scrape data from the web portal; (c) Commercialize, resell, or use Kibo to offer white-label accounting services to third parties without a specific enterprise license.

8.3. Abuse Mitigation and Transactional Throttling: The use of AI interfaces incurs exorbitant financial costs per token and analyzed image. KAI STUDIOS, S.A.S. implements drastic "Rate Limiting" modules in the codebase. If our security algorithms detect an anomalous, malicious, or excessive volume of audios and photographs attempting to exhaust the company's resources or execute a financial Denial of Service (DDoS) attack, the system will throttle, temporarily limit, or summarily suspend the user's access, proceeding to unilateral contract termination without compensatory refund.

9.1. Privacy by Design and Blind Auditor: Your financial data is yours. Kibo is built upon the "Blind Auditor" doctrine. Consolidated balances and records stored in our relational database are structured so that our human staff cannot directly access raw text transactional records linked to your identity, except for judicial mandates, critical technical support tasks explicitly authorized by the holder, or automated backup processes (Disaster Recovery / PITR). Kai Studios prohibits commercializing, selling, or licensing your Ledger to insurers, credit rating agencies, or external advertisers.

9.2. Regulatory Compliance and Tombstone Pattern: You hold full sovereign power over your data. If you exercise your right to definitive deletion or "Right to be Forgotten", the system will execute an irreversible technological process called the Tombstone Pattern at the backend architecture level. The application will not execute a superficial delete command (DELETE); instead, it will compute a cryptographic hash of your PII (identity and phone), isolate it in cold passive protection tables for mandatory legal periods, and obfuscate your personal information in the operational database, replacing it with meaningless Universally Unique Identifiers (UUIDs). This guarantees the total sanitization of your human profile, leaving the overall statistical database structure intact and anonymous to prevent relational dependency corruption, strictly complying with the precepts of the European GDPR and global data protection regulations.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF KIBO AND ITS MULTIMODAL ARTIFICIAL INTELLIGENCE SERVICES IS AT YOUR SOLE, INFORMED, AND ABSOLUTE RISK. THE PLATFORM IS PROVIDED STRICTLY ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS.

KAI STUDIOS, S.A.S. EXPLICITLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR ACCOUNTING PURPOSE, ACCURACY OF RECEIPT DATA EXTRACTION, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE AI WILL ALWAYS INTERPRET YOUR UNSTRUCTURED CONTEXTS ACCURATELY NOR THAT THE WHATSAPP INFRASTRUCTURE WILL BE UNINTERRUPTED.

UNDER NO LEGAL THEORY—WHETHER BASED IN CONTRACT, TORT, STRICT NEGLIGENCE, OR OTHER CAUSE OF ACTION—SHALL KAI STUDIOS, S.A.S., ITS PARENT ENTITIES, SHAREHOLDERS, ENGINEERS, OR PARTNERS BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OF ANY KIND. THIS EXPRESSLY INCLUDES, WITHOUT LIMITATION: (A) LOSS OF PROFITS, PERSONAL BANKRUPTCIES, OR EMBEZZLEMENTS ARISING FROM SPENDING DECISIONS; (B) FISCAL PENALTIES, ERRONEOUS TAX RETURNS, OR AUDITS BY TAX AUTHORITIES; AND (C) DESTRUCTION, TOTAL CORRUPTION, OR CYBERATTACKS RESULTING IN THE EXPOSURE OR ERASURE OF YOUR CLOUD-HOSTED LEDGER.

IN STRICT JURISDICTIONS THAT DO NOT ALLOW THE TOTAL EXCLUSION OF CONSEQUENTIAL LIABILITIES, THE TOTAL, SOLE, AND CUMULATIVE LIABILITY OF KAI STUDIOS, S.A.S. SHALL BE IRREVOCABLY AND AGGRESSIVAMENTE LIMITED, AS AN INDISPUTABLE MAXIMUM CAP, TO THE EXACT SUM THE USER HAS DIRECTLY PAID FOR THE KIBO SUBSCRIPTION SERVICE DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE DAMAGING EVENT OR TECHNOLOGICAL INCIDENT.

You unconditionally agree to defend, indemnify, and hold harmless Kai Studios, S.A.S., its directors, engineers, and commercial affiliates, from and against any claims, out-of-court demands, civil litigation, governmental fines, legal proceedings, and derived expenses (including and prioritizing reasonable and full fees of forensic IT experts and law firms) arising directly as a result of: (i) Your reckless, fraudulent, negligent, or improper use of Kibo's functionalities; (ii) Any material breach on your part of these Terms or the permitted use of the Meta API; (iii) The filing of fraudulent tax returns or financial information negligently based on reports generated by the platform's AI; and (iv) Any claim originated by a third party due to the breach of your real pecuniary obligations attempting to blame the software for your own organizational deficiencies.

12.1. FOR USERS RESIDING OUTSIDE THE UNITED MEXICAN STATES (E.g., USA, Canada, European Union, LATAM): Any extra-contractual relationship, technical dispute, or civil claim shall be governed solely, exclusively, and exhaustively by the Laws of the State of Delaware, United States of America. Both parties irrevocably agree to submit to BINDING AND INDIVIDUAL ARBITRATION, administered by the American Arbitration Association (AAA) in New Castle County, Delaware. YOU AND KAI STUDIOS EXPLICITLY WAIVE THE RIGHT TO A JURY TRIAL AND PEREMPTORILY AGREE THAT NO CLASS ACTIONS, REPRESENTATIVE ACTIONS, OR PROCEDURES WILL BE PERMITTED OR ADMITTED UNDER ANY CIRCUMSTANCES.

12.2. FOR USERS RESIDING WITHIN THE UNITED MEXICAN STATES: In strict compliance with the Federal Consumer Protection Law and related provisions, the contract will be interpreted according to the federal legislation of Mexico. The parties irrevocably submit to the technical, administrative, and competent court jurisdiction seated in Mexico City (CDMX), expressly waiving any other venue that might correspond to them in the future by reason of their geographic domiciles or physical location of their mobile terminals.

13.1. Severability: If any independent arbitration panel, magistrate, or regulatory body with competent jurisdiction rules that any colossal clause, microscopic subsection, or peculiar provision of these Terms is null and void, abusive, or statutorily inapplicable, said section will be surgically excised and amputated from the text. Such restrictive elimination will absolutely not cause the collapse, nor affect or decimate the unmovable validity, force, and evidentiary weight of the remaining central body of the document, which will survive and coercively bind the parties in its unbreakable entirety.

13.2. Survival: Following the termination of your subscription, cancellation in Stripe, prolonged inactivity, or the application of the Tombstone Pattern to your data, the clauses regarding maximum limitation of financial liability, intellectual property rights protection and algorithmic secrecy, and the guidelines stipulated for global arbitration, will retain uninterrupted legal, statutory, and coercive validity in perpetuity.

13.3. Unilateral Modification and Autonomous Power of Reform: The paradigms of Artificial Intelligence and fintech regulations mutate rapidly. KAI STUDIOS, S.A.S. holds the irrevocable power, without censorship or penalty, to alter, purge, comprehensively rewrite, and unilaterally toughen the drafting of this Master Contract at the discretion of its Legal Directing Board. In cases of substantive material variations, the system will issue notifications through the web interface (askkibo.com) or as an automated informational message directly to your WhatsApp inbox, with a reasonable and sufficient preemptive timeframe. Continued use, tacit interaction via voice commands, or login validation following the technical implementation of the renewed document peremptorily solidifies and certifies your full consent to the newly instituted punitive and commercial provisions.

To provide official, peremptory evidentiary validity with forensic acknowledgment status to any request for the exercise of Privacy Rights (Access, Rectification, Cancellation, or Opposition by the holder), as well as the receipt of authority notices, cease and desist notifications regarding algorithmic property, petitions for refunds, mandatory requirements in international jurisdictions, or claims protected under safe harbor mechanisms (Digital Millennium Copyright Act - DMCA), the general public and Kibo monthly subscribers are categorically warned of the legal ineffectiveness of using corporate social media, open forums, or automated support WhatsApp phone numbers.

The sole, exclusive, and certified official electronic route to bind the company in a legal or procedural process—with the sender assuming the drafting cost and responsibility of the data remitted to the centralized inbox monitored by our panel of corporate lawyers in international regulatory compliance—is: