Terms and Conditions of Service

1. Acceptance of the Terms and Conditions of Use

This app, Ciento (the "Service"), is a technology platform that enables you, the user, to manage personal finances through manual data entry, access financial insights, and utilize artificial intelligence features via our mobile application, website, and conversational interfaces (e.g., WhatsApp, Telegram).

These terms and conditions of use constitute a legal agreement and are entered into by and between you (“User,” “you”) and Ciento Labs Inc. (“Company,” “we,” “us,” “our“).

The following terms and conditions, together with any documents and/or additional terms they expressly incorporate by reference (collectively, these “Terms and Conditions“), govern your access to and use of the Service.

2. Eligibility and Age Restriction

The Service is strictly intended for individuals who have reached the age of majority in their jurisdiction of residence.

• British Columbia Residents: You represent and warrant that you are at least 19 years of age.
• Other Jurisdictions: You represent and warrant that you are of the legal age of majority under applicable law to form a binding contract with the Company.

If you do not meet these requirements, you must not access or use the Service. We reserve the right to terminate any account found to be used by a minor.

3. Modifications to the Terms and Conditions

We reserve the right in our sole discretion to revise and update these Terms and Conditions.

• Standard Changes (15 Days Notice): For material changes that affect your rights or obligations (e.g., price increases, changes to data handling), we will provide you with at least fifteen (15) days' advance notice via email, a prominent notice in the App, or a chat notification.
• Urgent Updates (1 Day/Immediate): For changes required to address immediate security threats, legal compliance requirements, or the addition of new features that do not materially reduce your rights, we may provide notice of one (1) day or make the changes effective immediately upon posting.

Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

4. Service Description and Manual Data Entry

• 4.1 No Direct Bank Connections: You acknowledge that Ciento is a standalone financial management tool. We do not directly connect to, scrape, or access your bank accounts, investment accounts, or financial institution portals.
• 4.2 User Responsibility: All financial data (expenses, incomes, budgets, balances) is manually input by you or sent by you to our AI via chat. You are solely responsible for the accuracy, completeness, and currency of the data you provide. The Company is not responsible for any financial decisions made based on inaccurate data you have entered.

5. Beta Services and Pre-Release Features

• 5.1 Beta Access: We may designate certain parts of the Service as "Beta," "Early Access," or "Pre-Release" ("Beta Services"). You acknowledge that Beta Services are under development, may contain bugs or errors, and may be incomplete or subject to change without notice.
• 5.2 No Warranty for Beta: TO THE FULLEST EXTENT PERMITTED BY LAW, BETA SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE SPECIFICALLY DISCLAIM ANY LIABILITY FOR DATA LOSS, SERVICE INTERRUPTIONS, OR INACCURATE AI RESPONSES OCCURRING DURING THE USE OF BETA SERVICES.
• 5.3 Feedback: If you provide feedback regarding the Beta Services, you grant Ciento Labs Inc. a perpetual, irrevocable, royalty-free license to use such feedback for any purpose, including product improvement.

6. Your Use of the Service and Security

• 6.1 Account Security: You are responsible for maintaining the confidentiality of your account credentials and your WhatsApp/Telegram device access. You must exercise caution when accessing your account from a public or shared computer.
• 6.2 Prohibited Data in Chat (Meta/WhatsApp Policy): To ensure your security and our compliance with Meta’s policies, you agree NOT to send sensitive financial credentials via the chat interface. This includes:
  • Full Credit Card Numbers (PANs)
  • Bank Account Passwords or PINs
  • CVV/CVC Codes
  • Government Identification Numbers (e.g., SIN, SSN)

We reserve the right to block or ban users who repeatedly transmit sensitive credentials via unencrypted chat channels.

7. Artificial Intelligence (AI) Disclaimer

Our Service utilizes artificial intelligence (including third-party models like Google Gemini) to process your queries and generate financial insights. By using the Service, you understand and agree that:

• No Financial Advice: The content generated by our AI is for informational and illustrative purposes only. It does not constitute financial, investment, tax, legal, or professional advice.
• Potential for Error (Hallucinations): AI models can make mistakes ("hallucinations"). The AI may misinterpret your inputs or provide mathematically incorrect summaries. You should always verify important financial figures against your actual bank statements.
• No Reliance: You must obtain specific or professional advice from a qualified advisor before taking, or refraining from, any action on the basis of the content on our Service. The Company has no responsibility or liability whatsoever for any financial decisions you make based on AI-generated content.

8. Subscriptions and Payments

• Subscriptions: If you purchase a subscription ("Subscription"), you will be charged the applicable fees ("Fees") at the time of selection. Fees are subject to change with notice.
• Billing: We use third-party payment processors (e.g., Stripe, Apple App Store, Google Play Store). Your payments are subject to their terms and privacy policies. We do not store your payment card details.
• Automatic Renewal: Your Subscription will automatically renew unless canceled at least 24 hours before the end of the current period. You may cancel through your account settings or the respective App Store/Google Play subscription manager.
• Refunds: Payments are non-refundable and there are no refunds or credits for partially used periods, except as required by applicable law.

9. Conditions of Use and Prohibited Acts

As a condition of your access and use of the Service, you agree that you may use the Service only for lawful purposes. You warrant and agree that your use of the Service shall not:

• Violate any applicable federal, provincial, local, or international law.
• Involve sending any material that is exploitive, obscene, harmful, threatening, abusive, or harassing.
• Impersonate the Company, a Company employee, another user, or any other person or entity.
• Restrict or inhibit anyone's use or enjoyment of the Service, or which, as determined by us, may harm the Company or users of the Service.
• Use any robot, spider, or other automatic device to access the Service for any purpose, including monitoring or copying any of the material on the Service.

10. Intellectual Property Rights

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

11. Disclaimer of Warranties

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SERVICE IS AT YOUR OWN RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED.

NEITHER THE COMPANY NOR ITS DIRECTORS MAKE ANY WARRANTY, REPRESENTATION, OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY, OR AVAILABILITY OF THE SERVICE OR ITS CONTENTS (INCLUDING AI-GENERATED CONTENT).

12. Limitation on Liability

EXCEPT WHERE SUCH EXCLUSIONS ARE PROHIBITED BY LAW, UNDER NO CIRCUMSTANCE WILL THE COMPANY OR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

13. Governing Law and Choice of Forum

The Service and these Terms and Conditions will be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision.

Any action or proceeding arising out of or relating to this Service and under these Terms and Conditions will be instituted in the courts of Vancouver, British Columbia, and each party irrevocably submits to the exclusive jurisdiction of such courts.

14. Privacy

By submitting your personal information and using our Service, you consent to the collection, use, reproduction, hosting, transmission, and disclosure of such information in compliance with our Privacy Policy, found at Privacy Policy.

15. Contact Information

This Service is operated by Ciento Labs Inc.. All feedback, comments, requests for technical support, and other communications relating to the Service should be directed to: product@cientolabs.com.