Platform Terms of Service

Effective Date: January 2, 2026

These Platform Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and CAIO LLC, a North Carolina limited liability company ("CAIO," "we," "us," or "our"). These Terms govern your access to and use of the CAIO Bridge platform and all related services, features, and functionality (collectively, the "Platform").

1. Definitions

"Account" means your registered user account on the Platform.

"Authorized Users" means individuals you invite to access your Workspace.

"BYO Credentials" means third-party service accounts that you own and connect to the Platform for use with Platform features (e.g., your own Apollo API key, Instantly account, or HeyReach subscription).

"CAIO Bridge" means the CAIO growth and operations platform, including all modules, dashboards, AI agent capabilities, and related tools made available under your Subscription or Service Tier.

"Content" means any text, images, data, documents, or other materials you create, upload, or transmit through the Platform.

"Contact Data" means information about third parties that you store or process through the Platform, including prospects, leads, and customer records.

"Generated Content" means content created by the Platform's AI features based on your inputs, including drafted emails, social media posts, research dossiers, call summaries, proposals, and blog posts.

"Managed Services" means third-party tool subscriptions that CAIO procures, configures, and administers on your behalf as part of your Subscription or Service Tier.

"Session Recording" means audio, video, or transcript recordings of advisory meetings, consulting sessions, onboarding calls, and similar engagements between CAIO personnel and you or your Authorized Users.

"Subscription" means your paid access to the Platform under a specific plan or Service Tier.

"Third-Party Platforms" means external services integrated with the Platform, including but not limited to LinkedIn, X (Twitter), Google, HeyReach, Apollo, Instantly, Resend, Cal.com, Quo, ZeroBounce, Stripe, and Granola.

"Workspace" means your organization's isolated environment within the Platform, including all associated data, configurations, and user access.

2. Platform Description

2.1 Services Provided

CAIO Bridge provides business-to-business software tools that may include:

• CRM & Pipeline: Contact management, company tracking, deal pipeline, interaction history, and revenue tracking
• Prospecting & Enrichment: Company discovery, contact enrichment, ICP scoring, email verification, and research dossier generation
• Multi-Channel Outreach: Email sequences, LinkedIn automation, phone/SMS integration, and orchestrated multi-channel campaigns
• Content & Publishing: AI-assisted content creation, social media scheduling, blog generation, and SEO tools
• Market Intelligence: Newsletter monitoring, RSS ingestion, competitive intelligence, and automated insight scoring
• Call Tracking: Call recording, transcription, AI-powered call analysis, and follow-up automation
• Proposals & Invoicing: Proposal creation, electronic signature collection, invoicing, and payment tracking
• Advisory Management: Session scheduling, meeting notes, onboarding workflows, and client workspace administration
• AI Agent Capabilities: Autonomous and semi-autonomous AI agents that perform research, draft communications, analyze data, process information, and execute configured workflows

2.2 Feature Availability

Not all features are available to all users. Feature access depends on your Subscription tier, Workspace configuration, and applicable feature flags. We reserve the right to add, modify, or discontinue features with reasonable notice. Material reductions to core features included in your Subscription tier will be communicated at least thirty (30) days in advance.

2.3 White-Label and Custom Domains

Certain Subscription tiers may support custom domains and white-label branding. Use of custom domains is subject to domain verification and DNS configuration requirements. CAIO does not guarantee domain availability or resolution and is not responsible for DNS misconfigurations.

3. Account Registration and Security

3.1 Account Creation

To use the Platform, you must create an Account by providing accurate, current, and complete information. You represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your Account or within your Workspace
• Notifying us immediately of any unauthorized access or security breach

We are not liable for any loss or damage arising from your failure to protect your Account credentials.

3.3 Workspaces and Team Access

If you create a Workspace or invite Authorized Users, you are responsible for their compliance with these Terms. You may set permissions and access levels for Authorized Users within your Workspace. Workspace owners are responsible for managing user access, including promptly removing users who should no longer have access.

4. Subscriptions, Fees, and Payment

4.1 Subscription Plans

Access to certain Platform features requires a paid Subscription. Current plans, pricing, and included features are displayed during the checkout process and on our website. Advisory clients should refer to their Master Services Agreement for Service Tier details.

4.2 Billing

Subscriptions are billed in advance on a recurring basis (monthly or annually, as selected). By subscribing, you authorize us to charge your payment method automatically at the start of each billing period.

4.3 Managed Service Costs

Where Managed Services are included in your Subscription, the associated costs are included in your Subscription fee unless explicitly designated as usage-based or pass-through charges. Usage-based charges (such as enrichment credits, email verification credits, or voice minutes) will be disclosed in advance and invoiced according to actual usage.

4.4 Price Changes

We may change Subscription pricing with at least sixty (60) days' notice. Price changes take effect at the next renewal date. If you do not agree to a price change, you may cancel your Subscription before the change takes effect without early termination penalty.

4.5 Automatic Renewal

Subscriptions renew automatically unless you cancel before the renewal date. You may cancel at any time through your Account settings or by contacting us.

4.6 Refunds

Subscription fees are generally non-refundable. We do not provide refunds or credits for partial subscription periods, unused features, or downgraded plans. Exceptions may be made at our sole discretion or as required by applicable law.

4.7 Failed Payments

If payment fails, we may retry the charge and/or suspend your access until payment is received. We may terminate Accounts with outstanding balances after reasonable notice.

5. Your Content and Data

5.1 Ownership

You retain ownership of Content you create and upload to the Platform. We do not claim ownership of your Content.

5.2 License to CAIO

By using the Platform, you grant us a limited, non-exclusive, royalty-free license to store, process, display, and transmit your Content solely as necessary to operate and provide the Platform. This license terminates when you delete your Content or Account, except for Content shared with others or published publicly.

5.3 Content Responsibility

You are solely responsible for your Content, including its accuracy, legality, and appropriateness. You represent that you have all necessary rights to use and share your Content through the Platform.

5.4 Contact Data

You are responsible for ensuring you have appropriate legal basis to store, process, and enrich Contact Data in the Platform, including compliance with applicable privacy laws. You represent that Contact Data is collected and used in accordance with your own privacy policy and applicable law.

5.5 Aggregated and Anonymized Data

We may collect, aggregate, and anonymize data derived from your use of the Platform (including usage patterns, performance metrics, and operational data) to create datasets that do not identify you, your Workspace, or any individual. We own such aggregated data and may use it to improve our products, develop benchmarks, train our AI systems, and enhance services. This does not include your Content, Contact Data, or Confidential Information in identifiable form.

6. AI-Generated Content and Agent Capabilities

6.1 AI Features

The Platform includes AI-powered features that generate content, suggestions, analysis, and automated actions based on your inputs, configurations, and data. These features use third-party AI models (including Anthropic Claude) and CAIO's proprietary agent architectures.

6.2 AI Agent Autonomy

(a) Certain Platform features operate through AI agents that may autonomously perform tasks such as prospect research, contact enrichment, content drafting, data analysis, call transcript processing, and workflow execution.

(b) Agent autonomy levels are configurable within your Workspace. Actions that involve external communications (sending emails, LinkedIn messages, or other outreach to third parties) require human approval unless you have explicitly configured autonomous execution for specific action types and patterns.

(c) You are responsible for configuring agent autonomy settings appropriately and for monitoring agent activity through the Platform's decision queue and activity logs.

6.3 No Warranty of Accuracy

Generated Content and AI agent outputs may contain errors, inaccuracies, omissions, hallucinations, or inappropriate material. AI systems can produce incorrect or misleading information. We make no representations or warranties regarding the accuracy, completeness, reliability, non-infringement, or suitability of any AI-generated output.

6.4 User Responsibility

You are solely responsible for:

• Reviewing and verifying all Generated Content and agent outputs before use, publication, or transmission
• Editing Generated Content to ensure accuracy and appropriateness
• Monitoring agent actions and reviewing the decision queue
• Any consequences arising from your use or deployment of Generated Content or autonomous agent actions
• Ensuring that AI-generated outreach complies with applicable laws, including CAN-SPAM, GDPR, CCPA, CASL, and call recording laws

6.5 Ownership of Generated Content

Subject to any third-party rights and applicable intellectual property law, you own Generated Content created using your inputs and data. We retain no ownership interest in Generated Content specific to your use. Note that AI-generated content may have limited or no copyright protection under applicable law.

6.6 AI Model Training

Your Content and Contact Data are not used to train third-party AI foundation models. We may use aggregated, anonymized data as described in Section 5.5 to improve our proprietary agent capabilities and platform features.

7. Call Recording and Transcription

7.1 Call Tracking Features

The Platform may integrate with call tracking services (such as Quo) that record calls, generate transcripts, and extract insights using AI. If you enable these features, you are responsible for:

• Complying with all applicable federal, state, and local laws regarding call recording
• Obtaining appropriate consent from all parties to a call before recording
• Providing required disclosures to call participants
• Understanding the recording consent requirements in your jurisdiction and the jurisdictions of people you call

7.2 Consent Requirements

Many jurisdictions require "all-party consent" for call recording, meaning every participant must consent. Some jurisdictions require only "one-party consent." You must determine and comply with the applicable requirements for each call.

7.3 AI Processing of Call Data

When call transcripts are processed by AI features:

• Extracted insights (summaries, sentiment, action items) are generated automatically
• AI extraction may contain errors or miss context
• You are responsible for reviewing AI-generated call summaries before acting on them
• We make no warranty regarding the accuracy of transcriptions or extracted data

7.4 Data Retention

Call recordings and transcripts are retained according to our Privacy Policy and your Workspace settings. You may request deletion of specific recordings at any time.

7.5 Disclaimer

WE ARE NOT RESPONSIBLE FOR YOUR COMPLIANCE WITH CALL RECORDING LAWS. BY USING CALL RECORDING FEATURES, YOU ASSUME ALL RESPONSIBILITY FOR OBTAINING REQUIRED CONSENTS AND COMPLYING WITH APPLICABLE LAWS. YOU AGREE TO INDEMNIFY US AGAINST CLAIMS ARISING FROM YOUR CALL RECORDING ACTIVITIES.

8. Advisory Session Recordings

8.1 Scope

This Section applies to recordings of advisory sessions, consulting calls, onboarding meetings, and other engagements between CAIO personnel and you or your Authorized Users. This is distinct from the call recording features described in Section 7, which relate to calls you make to your own prospects and customers.

8.2 Recording Practices

CAIO may record advisory sessions using various tools, including video conferencing platforms, AI meeting assistants (such as Granola), and transcription services. CAIO will provide notice at the beginning of each recorded session. Your continued participation after such notice constitutes consent to recording.

8.3 Use of Session Recordings

Session Recordings and derived transcripts may be used by CAIO for:

• Generating session notes, summaries, and action items for your benefit
• Internal quality assurance and service improvement
• Training CAIO personnel and refining advisory methodologies
• Identifying generalizable patterns and operational insights that inform CAIO's platform development, module design, and intellectual property (as described in Section 8.4)

8.4 Derived Learnings

You acknowledge that CAIO's advisory engagements generate general knowledge, techniques, and operational insights ("Derived Learnings"). CAIO may use Derived Learnings to develop platform features, modules, agent workflows, and other components of CAIO's intellectual property, provided that Derived Learnings do not identify you or reveal your specific proprietary business information. For additional detail, advisory clients should refer to MSA Section 3.3.

8.5 Retention and Deletion

Session Recordings are retained for twelve (12) months or the engagement period plus six (6) months, whichever is longer. You may request deletion of specific recordings at any time by contacting us. CAIO will delete recordings within thirty (30) days of a valid request.

9. Email Outreach

9.1 Compliance Requirements

If you use the Platform's email outreach features, you agree to comply with all applicable laws, including:

• CAN-SPAM Act (United States)
• General Data Protection Regulation (GDPR) (European Union)
• Canada's Anti-Spam Legislation (CASL)
• All other applicable anti-spam and privacy laws

9.2 Prohibited Practices

You agree not to:

• Send emails to recipients who have not consented or with whom you lack a legitimate business relationship
• Use purchased, rented, scraped, or harvested email lists
• Send deceptive, misleading, or fraudulent messages
• Misrepresent your identity or affiliation
• Send messages containing malware or malicious content
• Exceed reasonable sending volumes that could be considered spam

9.3 Required Content

All outreach emails must include:

• Accurate sender identification
• Valid physical mailing address
• Clear and conspicuous unsubscribe mechanism
• Accurate subject lines that reflect message content

9.4 Unsubscribe Handling

You must honor unsubscribe requests within ten (10) business days. The Platform automatically suppresses unsubscribed contacts and processes opt-outs from future campaigns.

9.5 Enforcement

We may monitor outreach activity for compliance. We reserve the right to suspend or terminate email features immediately if we detect violations, receive abuse complaints, or if your sending reputation negatively impacts our infrastructure or other users.

10. LinkedIn and Social Media Automation

10.1 Third-Party Platform Terms

Automated actions on LinkedIn, X (Twitter), and other social platforms are subject to those platforms' terms of service and acceptable use policies. You are responsible for understanding and complying with all applicable platform rules.

10.2 Risk Acknowledgment

You acknowledge and accept that:

• Social media platforms may prohibit, restrict, or limit automated behaviors
• Your accounts on Third-Party Platforms may be flagged, restricted, suspended, or permanently banned due to automation activity
• Platform policies change frequently and without notice
• We have no control over Third-Party Platform enforcement decisions

10.3 Disclaimer of Responsibility

WE ARE NOT RESPONSIBLE FOR ANY ACTIONS TAKEN AGAINST YOUR ACCOUNTS BY LINKEDIN, X, OR OTHER THIRD-PARTY PLATFORMS, INCLUDING ACCOUNT RESTRICTIONS, SUSPENSIONS, OR BANS. YOU USE AUTOMATION FEATURES AT YOUR OWN RISK.

10.4 API Availability

Platform features depend on third-party API availability. Third-Party Platforms may modify, restrict, or discontinue API access at any time. We are not responsible for feature limitations or disruptions caused by third-party API changes.

11. Data Enrichment

11.1 Third-Party Data

The Platform may supplement your Contact Data with information from third-party data providers (e.g., Apollo, ZeroBounce). This enriched data is provided for informational purposes.

11.2 No Warranty

Enriched data is provided "as-is" without warranty of accuracy, completeness, or currency. Third-party data may be outdated, incorrect, or incomplete.

11.3 Verification Responsibility

You are responsible for verifying enriched data before relying on it for business decisions or outreach. We are not liable for errors in third-party data or consequences of your reliance on such data.

12. Managed Services and BYO Credentials

12.1 Managed Services

Where your Subscription includes Managed Services, CAIO procures and administers third-party tool accounts on your behalf. You acknowledge that:

• Managed Service accounts are owned and administered by CAIO
• Access to Managed Service accounts may be discontinued upon termination of your Subscription
• CAIO is not responsible for changes to third-party pricing, terms, or service availability
• Usage allocations (e.g., enrichment credits, sending limits) are specified in your Subscription or SOW and may be subject to fair use limits

12.2 BYO Credentials

You may connect your own third-party service accounts to the Platform. You retain ownership and control of BYO accounts. You are responsible for:

• Maintaining valid subscriptions and API keys for BYO accounts
• Compliance with third-party terms of service for BYO accounts
• Any costs, rate limits, or suspensions associated with BYO accounts

12.3 Credential Security

All third-party credentials (Managed and BYO) are encrypted at rest using AES-256 encryption. CAIO accesses credentials only as necessary to provide Platform features. You may disconnect BYO credentials at any time through Workspace settings.

13. Proposals and Electronic Signatures

13.1 Proposal Features

The Platform allows you to create, send, and track business proposals that may include electronic signature acceptance.

13.2 Your Responsibility

You are solely responsible for:

• The accuracy and completeness of proposal content
• Ensuring proposals contain appropriate legal terms for your business
• Compliance with applicable contract laws

13.3 Electronic Signatures

The Platform facilitates electronic signature collection. We capture signature data including name, email, IP address, and timestamp. However:

• We do not guarantee the legal enforceability of electronic signatures in all jurisdictions
• You should consult legal counsel regarding electronic signature requirements for your use case
• We are not a party to agreements executed through the Platform

14. Third-Party Integrations

14.1 OAuth and API Connections

The Platform integrates with Third-Party Platforms via OAuth or API connections. By connecting your accounts, you authorize us to access and interact with those accounts as necessary to provide Platform features.

14.2 Scope of Access

We request only the minimum permissions necessary for Platform functionality. Specific permissions are disclosed during the connection process.

14.3 Revocation

You may disconnect Third-Party Platform accounts at any time through Platform settings or the third party's settings. Disconnection may limit Platform functionality.

14.4 Third-Party Terms

Your use of Third-Party Platforms remains subject to their respective terms and policies. We are not responsible for third-party actions, policies, or service interruptions.

15. Acceptable Use

Your use of the Platform is subject to CAIO's Acceptable Use Policy, which is incorporated into these Terms by reference. Violation of the Acceptable Use Policy constitutes a breach of these Terms.

16. Intellectual Property

16.1 CAIO Property

The Platform, including CAIO Bridge, its design, features, code, AI agent architectures, module frameworks, workflows, documentation, trademarks, and all related intellectual property, is owned by CAIO or our licensors. These Terms do not grant you any rights to our intellectual property except the limited right to use the Platform as provided herein.

16.2 Feedback

If you provide feedback, suggestions, or ideas about the Platform, you grant us a perpetual, irrevocable, royalty-free license to use such feedback for any purpose without obligation to you.

17. Privacy and Data Protection

Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Where CAIO processes personal data on your behalf, the Data Processing Agreement applies. By using the Platform, you consent to the practices described in these documents.

18. Confidentiality

18.1 Your Confidential Information

We will maintain the confidentiality of your non-public Content and business information and will not disclose it except as necessary to provide the Platform, with your consent, or as required by law.

18.2 Our Confidential Information

You agree to maintain the confidentiality of any non-public information about the Platform, including pricing not publicly displayed, beta features, and technical documentation provided to you.

19. Service Availability and Support

19.1 Availability

We strive to maintain high Platform availability but do not guarantee uninterrupted or error-free service. The Platform may be unavailable due to maintenance, updates, or circumstances beyond our control.

19.2 Modifications

We may modify, update, or discontinue Platform features at any time. We will provide reasonable notice of material changes when possible.

19.3 Support

Support availability depends on your Subscription tier. Support channels and response times are described on our website or in your MSA.

20. Term and Termination

20.1 Term

These Terms remain in effect while you have an Account or use the Platform.

20.2 Termination by You

You may terminate your Account at any time by canceling your Subscription and requesting Account deletion through your settings or by contacting us. Termination does not entitle you to a refund of prepaid fees.

20.3 Termination by CAIO

We may suspend or terminate your Account immediately if you:

• Violate these Terms or the Acceptable Use Policy
• Engage in fraudulent or illegal activity
• Fail to pay fees when due
• Pose a security risk to the Platform or other users

We may also terminate Accounts for any reason with thirty (30) days' notice.

20.4 Effect of Termination

Upon termination:

• (a) Platform Access. Your right to access CAIO Bridge and the Platform ceases at the end of the applicable notice period or immediately upon termination for cause.
• (b) Managed Services. Access to Managed Service accounts administered by CAIO will be discontinued. You are responsible for migrating to your own accounts prior to termination. CAIO will provide reasonable cooperation during a transition period of up to thirty (30) days.
• (c) BYO Credentials. You retain ownership of your BYO accounts. We will disconnect all BYO credentials within five (5) business days of termination.
• (d) Data Retention. We will retain your Content and data for thirty (30) days following termination, during which you may request a data export (see Section 20.5). After the retention period, we may delete your data in accordance with our Privacy Policy.
• (e) Surviving Provisions. Sections 1, 5, 6.3–6.6, 7.5, 8.4, 16, 17, 18, 21, 22, 23, 24, and 25 survive termination.

20.5 Data Export and Portability

Upon request made within thirty (30) days of termination, CAIO will provide an export of your Content and Contact Data in a standard, machine-readable format (CSV, JSON, or equivalent) within fifteen (15) business days. Data export includes CRM records, contact lists, deal data, content drafts, and call logs. Data export does not include CAIO's proprietary features, agent configurations, templates, or module logic.

21. Disclaimer of Warranties

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT: (A) THE PLATFORM WILL MEET YOUR REQUIREMENTS; (B) THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) RESULTS OBTAINED FROM THE PLATFORM, INCLUDING AI-GENERATED CONTENT AND AGENT OUTPUTS, WILL BE ACCURATE OR RELIABLE; (D) ANY ERRORS WILL BE CORRECTED; (E) THIRD-PARTY INTEGRATIONS WILL REMAIN AVAILABLE OR FUNCTION AS EXPECTED; OR (F) AI AGENTS WILL PERFORM AS CONFIGURED IN ALL CIRCUMSTANCES.

NO ADVICE OR INFORMATION OBTAINED FROM CAIO OR THROUGH THE PLATFORM SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

22. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

CAIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CAIO'S TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID TO CAIO IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED DOLLARS ($100).

WITHOUT LIMITING THE FOREGOING, CAIO SHALL NOT BE LIABLE FOR: (I) ACTIONS TAKEN BY AI AGENTS ON YOUR BEHALF, INCLUDING COMMUNICATIONS SENT, DATA PROCESSED, OR DECISIONS MADE; (II) LOSSES ARISING FROM THIRD-PARTY PLATFORM ACCOUNT RESTRICTIONS OR BANS; (III) INACCURACIES IN AI-GENERATED CONTENT OR ENRICHED DATA; OR (IV) LOSS OF ACCESS TO MANAGED SERVICE ACCOUNTS UPON TERMINATION.

THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.

23. Indemnification

You agree to indemnify, defend, and hold harmless CAIO and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Platform, including AI agent actions and Generated Content
• Your Content and Contact Data
• Your violation of these Terms or the Acceptable Use Policy
• Your violation of any law or third-party rights
• Your email outreach, social media automation, or call recording activities
• Third-party claims arising from communications sent through or actions taken by the Platform on your behalf
• Proposals, invoices, or agreements you create through the Platform

24. Dispute Resolution

24.1 Informal Resolution

Before filing any formal legal action, you agree to contact us and attempt to resolve the dispute informally for at least thirty (30) days.

24.2 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of North Carolina, USA, without regard to its conflict of law principles.

24.3 Jurisdiction

Any legal action arising out of these Terms shall be brought exclusively in the state or federal courts located in Mecklenburg County, North Carolina. You consent to the personal jurisdiction of such courts.

24.4 Class Action Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

25. General Provisions

25.1 Entire Agreement

These Terms, together with our Privacy Policy, Acceptable Use Policy, Data Processing Agreement, and any applicable Master Services Agreement, constitute the entire agreement between you and CAIO regarding the Platform and supersede all prior agreements. In the event of conflict, the order of precedence is: (1) MSA and SOW (if applicable); (2) these Terms; (3) DPA; (4) other policies.

25.2 Modifications

We may modify these Terms at any time by posting the revised version on the Platform. Material changes will be communicated via email or in-app notification at least thirty (30) days before taking effect. Your continued use after changes become effective constitutes acceptance.

25.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

25.4 Severability

If any provision of these Terms is found unenforceable, the remaining provisions shall continue in full force and effect.

25.5 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

25.6 Notices

We may provide notices to you via email to your Account email address or through the Platform. Notices to us should be sent to legal@getcaio.com.

25.7 Force Majeure

Neither party shall be liable for delays or failures in performance resulting from circumstances beyond reasonable control, including natural disasters, war, terrorism, pandemics, labor disputes, government actions, or internet or infrastructure failures.