These terms are an agreement between you and Cairnby LLC, a Colorado limited liability company. By creating an account or using cairnby.com, Headroom, or Serai, you agree to them. If you don’t agree, please don’t use the service.

2. Eligibility

You must be at least 13 years old — or the minimum age in your country — and able to enter a binding agreement to use Cairnby. If you use the service on behalf of someone else, you’re responsible for that use.

3. Your account & responsibilities

Keep your credentials secure and your account information accurate. You’re responsible for activity that happens under your account. Tell us promptly at hello@cairnby.com if you suspect unauthorized access.

4. Acceptable use

Use Cairnby only for its intended purpose and in compliance with the law. Don’t attempt to break, probe, or overload the service, interfere with other users, or use it to store or distribute unlawful content.

5. The service & AI output

Cairnby is provided “as is” and “as available.” Headroom’s safe-to-spend number is guidance based on the information you connect — it is not financial advice, and you remain responsible for your financial decisions. Serai’s records reflect what you capture; verify important details before relying on them.

6. Subscriptions, billing & refunds

Paid plans are billed in advance on a recurring basis and renew automatically until canceled. You can cancel anytime — you keep paid features until the end of the billing period, then move to the Free plan. Refunds follow the rules of the store or payment provider you purchased through.

7. Intellectual property

Cairnby owns the service, including its software, design, and trademarks. These terms don’t transfer any of that to you — they give you a personal, non-exclusive, non-transferable right to use the service.

8. Your content & license

You own the content you add to Cairnby. You grant us a limited license to host, process, and display it — only as needed to provide the service to you. That license ends when you delete your content or your account.

9. Limits of liability

To the maximum extent permitted by law, Cairnby will not be liable for indirect, incidental, or consequential damages, and our total liability for any claim is limited to the amount you paid us in the twelve months before the claim arose.

10. Indemnity

You agree to indemnify Cairnby against claims arising from your content or your misuse of the service, to the extent permitted by law.

11. Termination

You can stop using Cairnby and delete your account at any time. We may suspend or terminate accounts that violate these terms, with notice where reasonable. On termination, your data is handled as described in the privacy policy.

12. Governing law

These terms are governed by the laws of the State of Colorado, USA, without regard to conflict-of-law rules, and disputes will be resolved in the courts located there — unless the law where you live requires otherwise.

13. Changes to these terms

We may update these terms as the service evolves. For material changes we’ll give notice in the app or by email before they take effect; continued use after that means you accept the updated terms.

14. Contact

Questions about these terms? Write to hello@cairnby.com — a human reads every message.