Agreement to Terms

Binding Agreement

Understanding your rights and responsibilities

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Dinner AI Intelligence ("Company," "we," "us," or "our") regarding your use of the Dinner AI financial intelligence platform and all related services, features, content, and applications (collectively, the "Service").

By accessing, browsing, or using our Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use our Service.

These Terms apply to all users of the Service, including but not limited to investment managers, financial advisors, institutional clients, and any other individuals or entities accessing our platform.

Description of Service

Advanced AI Platform

Sophisticated financial intelligence tools for professionals

Dinner provides a sophisticated AI-powered financial intelligence platform designed specifically for investment professionals. Our Service aggregates multi-source market data to deliver transparent, explainable analyses of asset quality, comparative risk metrics, and scenario-based allocation models.

Core Service Features

• Multi-source market data aggregation and synthesis
• AI-driven asset quality assessment and scoring
• Transparent risk analysis and comparative metrics
• Scenario-based portfolio modeling and allocation analysis
• Explainable artificial intelligence with clear methodology disclosure
• Real-time market monitoring and alert systems
• Historical performance analysis and trend identification
• Customizable dashboard and reporting tools
• API access for integration with existing systems
• Professional-grade security and compliance features

Important Disclaimers

Professional Use: Our Service is designed for qualified investment professionals and institutional users. Users are expected to have appropriate knowledge, experience, and regulatory authorization to make investment decisions.

Data Limitations: While we strive for accuracy, market data and analyses are subject to limitations, delays, and potential errors. Users should verify information independently and not rely solely on our Service for investment decisions.

User Accounts and Registration

Secure Account Management

Professional-grade account security and verification

To access our Service, you must create an account and provide accurate, complete registration information. You agree to:

Account Requirements

• Provide truthful, accurate, current, and complete information during registration
• Maintain and promptly update your account information to keep it accurate and complete
• Verify your professional credentials and regulatory status as required
• Comply with all applicable laws and regulations in your jurisdiction
• Ensure you have proper authorization to access and use financial data
• Accept full responsibility for all activities conducted through your account

Account Security

• Maintain the confidentiality of your login credentials
• Use strong passwords and enable multi-factor authentication when available
• Immediately notify us of any unauthorized access or security breaches
• Log out of your account when using shared or public computers
• Regularly review your account activity for suspicious behavior
• Comply with our security policies and best practices

Account Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, suspicious activity, or other legitimate business reasons. You may terminate your account by contacting our support team.

Acceptable Use Policy

Professional Standards

Maintaining integrity and compliance in platform usage

You agree to use our Service only for lawful purposes and in accordance with these Terms. The following activities are strictly prohibited:

Prohibited Activities

• Using the Service for any illegal, fraudulent, or unauthorized purpose
• Violating any applicable federal, state, local, or international laws or regulations
• Infringing upon intellectual property rights of others
• Transmitting viruses, malware, or other harmful computer code
• Attempting to gain unauthorized access to our systems or other users' accounts
• Interfering with or disrupting the Service or servers connected to the Service
• Using automated systems, bots, or scripts to access the Service without permission
• Reverse engineering, decompiling, or disassembling any part of the Service
• Copying, reproducing, or distributing our proprietary content without authorization
• Creating derivative works based on our Service or content
• Using the Service to compete with us or develop competing products
• Sharing your account credentials with unauthorized third parties
• Misrepresenting your identity or affiliation with any person or organization

Professional Standards

• Maintain appropriate professional conduct when using our Service
• Comply with all applicable financial industry regulations and standards
• Respect the confidentiality of client information and data
• Use the Service only for legitimate business purposes
• Ensure proper authorization before accessing or analyzing any financial data

Intellectual Property Rights

Protected Innovation

Comprehensive intellectual property safeguards

The Service and all its components, including but not limited to software, algorithms, databases, content, graphics, logos, and user interfaces, are owned by Dinner AI Intelligence and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Our Rights

• All proprietary algorithms and artificial intelligence models
• Software code, applications, and technical infrastructure
• Databases, data structures, and analytical methodologies
• User interface designs and user experience elements
• Trademarks, service marks, and brand elements
• Documentation, training materials, and support content
• Research, reports, and analytical insights generated by our systems

Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes only. This license does not permit you to:

• Sublicense, sell, rent, lease, or otherwise transfer your rights
• Modify, adapt, or create derivative works
• Reverse engineer or attempt to extract source code
• Remove or alter any proprietary notices or labels
• Use our intellectual property for competitive purposes

User Content

You retain ownership of any data, information, or content you provide to our Service. By using our Service, you grant us a limited license to process, analyze, and store your data solely for the purpose of providing our services to you.

Data and Privacy

Privacy Protection

Comprehensive data protection and privacy measures

Your privacy and data security are fundamental to our Service. Our collection, use, and protection of your information are governed by our Privacy Policy, which forms an integral part of these Terms.

Data Processing

• We process your data solely to provide and improve our Service
• All data processing complies with applicable privacy laws and regulations
• We implement industry-standard security measures to protect your information
• Data is encrypted both in transit and at rest
• Access to your data is restricted to authorized personnel only
• We maintain detailed audit logs of all data access and processing activities

Data Retention

• We retain your data only as long as necessary to provide our Service
• You may request deletion of your data subject to legal and regulatory requirements
• Certain data may be retained for compliance and audit purposes
• Anonymized and aggregated data may be retained for research and development

Third-Party Data

Our Service incorporates data from various third-party sources. We ensure that all third-party data is obtained through legitimate channels and used in accordance with applicable licensing agreements and regulations.

Payment Terms and Billing

Use of our Service requires payment of applicable fees as outlined in your subscription agreement or service plan.

Subscription Fees

• Fees are charged in advance on a monthly or annual basis as selected
• All fees are non-refundable except as expressly stated in these Terms
• Prices are subject to change with 30 days' advance notice
• Taxes and additional charges may apply based on your location
• Payment must be made through approved payment methods
• Late payments may result in service suspension or termination

Billing and Invoicing

• Invoices are generated automatically and sent to your registered email address
• Payment is due within 30 days of invoice date unless otherwise specified
• You are responsible for maintaining current billing information
• Disputed charges must be reported within 60 days of billing
• We may suspend service for accounts with overdue payments

Refund Policy

Refunds are generally not provided except in cases of service failure or billing errors. Any refund requests will be evaluated on a case-by-case basis and are subject to our sole discretion.

Service Availability and Performance

We strive to maintain high service availability and performance standards, but cannot provide absolute assurance of uninterrupted access to our Service.

Service Level Expectations

• We target 99.9% uptime for our core Service functionality
• Planned maintenance will be scheduled during off-peak hours when possible
• Emergency maintenance may be performed without advance notice
• Service interruptions will be communicated through appropriate channels
• We maintain backup systems and disaster recovery procedures

Performance Limitations

• Service performance may vary based on market conditions and data availability
• High-volume usage may be subject to rate limiting or throttling
• Third-party data delays may impact our Service delivery
• Internet connectivity issues may affect Service access

Disclaimers and Warranties

Your use of our Service is at your own risk. The Service is provided on an "as is" and "as available" basis without warranties of any kind.

Disclaimer of Warranties

We expressly disclaim all warranties, whether express, implied, or statutory, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties of non-infringement and title
• Warranties regarding accuracy, reliability, or completeness of information
• Warranties of uninterrupted or error-free service
• Warranties regarding security or privacy protection
• Warranties of compatibility with your systems or requirements

Financial Disclaimers

• We do not provide assurance of investment performance or returns
• Past performance does not indicate future results
• Market data may be delayed, inaccurate, or incomplete
• Our analyses are based on available information and may not reflect all relevant factors
• Investment decisions should not be based solely on our Service
• You should consult with qualified professionals before making investment decisions

Third-Party Content

Our Service may include content from third-party sources. We do not endorse or provide assurance of the accuracy of such content and disclaim all responsibility for third-party information.

Limitation of Liability

To the maximum extent permitted by applicable law, Dinner AI Intelligence and its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any damages arising from your use of the Service.

Excluded Damages

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data, information, or content
• Loss of use, goodwill, or reputation
• Business interruption or operational delays
• Investment losses or poor investment performance
• Costs of substitute services or products
• Legal fees and litigation costs
• Emotional distress or personal injury

Liability Cap

Our total liability to you for all claims arising from or relating to the Service, regardless of the form of action, shall not exceed the amount you paid us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim.

Essential Purpose

The limitations of liability set forth in this section are fundamental elements of the basis of the bargain between you and us. The Service would not be provided without such limitations.

Contact Information

If you have any questions about these Terms or need to contact us regarding your account, please reach out through the following channels:

We are committed to addressing your concerns promptly and professionally. Our legal team will respond to inquiries within 5 business days.