Terms of Use

Cambio AI Inc. and its affiliates (“Cambio” or “we” or “us” or “our”) provide www.Cambio.ai (the “Website”) to you subject to these Website Terms of Use (“Terms”), which may be updated by us from time to time pursuant to Section 1 herein. By accessing and using the Website, you accept and agree to be bound by these Terms, our Privacy Notice, and any posted guidelines or rules applicable to the Website which may be posted and modified from time to time. The Privacy Notice and all such guidelines and rules are hereby incorporated by reference into these Terms. If you do not agree to these Terms, you should not access or use the Website.

These Terms do not apply to your access to and use of the products and services that are provided to you under the applicable agreement between you and Cambio (the “Services”), which are governed by such agreement.

1. Changes to Terms

These Terms, or any part thereof, may be modified by us at any time, including the addition or removal of any terms, and such modifications, additions or deletions will be effective immediately upon posting. Your use of the Website after such posting will be deemed to constitute acceptance by you of such modifications, additions, or deletions.

2. Changes to Website

We may change or discontinue any aspect, service, or feature of the Website at any time, including, but not limited to, content, availability, and manner and means of access or use.

3.  Interactive Areas

You may be given the opportunity to participate in Interactive Areas (as defined below), such as forums and other community features, upload content to your account, and/or register for updates and/or other content by completing an online registration form or creating a user account with a username and password or other means of authentication (“Credentials”) that may allow you to receive information from us and/or to participate in certain features on the Website. We will use the information you provide in accordance with the Privacy Notice. By registering, you represent and warrant that all information that you provide is current, complete and accurate to the best of your knowledge, and agree to maintain and promptly update your information on the Website so that it remains current, complete, and accurate. You are responsible for obtaining and maintaining all connectivity, computer software, hardware, and other equipment needed for access to and use of the Website and all charges related to such access and use. You will be responsible for the confidentiality and use of your Credentials and agree not to transfer or resell your use of or access to the Website to any third party. You agree to notify Cambio immediately of any unauthorized use of your Credentials or any other breach of security. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR CREDENTIALS AND FOR ANY AND ALL ACTIVITIES (INCLUDING PURCHASES, AS APPLICABLE) THAT ARE CONDUCTED THROUGH YOUR ACCOUNT

4. User Generated Content

The following terms apply to content submitted by you:

4.1 The Website and related tools, dashboards, platforms, interfaces, features, and other products and services may contain areas to upload content, comments sections, discussion forums, or other interactive features (“Interactive Areas”) in which you may post or upload user-generated content, photos, video, comments, messages, and other materials (collectively, “User Content”). You are solely responsible for your use of any Interactive Areas and you use them at your own risk. Interactive Areas are available for individuals aged 13 years or older. By submitting User Content to an Interactive Area, you represent that you are 13 years of age or older and, if you are under the age of 18, you either are an emancipated minor or have obtained the legal consent of your parent or legal guardian to enter into these Terms, submit content, and participate on the Website.

‍4.2 By submitting any User Content or participating in an Interactive Area within or in connection with the Website, you agree that you will not upload, post or otherwise transmit any User Content that  is protected by copyright, trademark, trade secret, right of publicity, or other proprietary right without the express permission of the owner of such copyright, trademark, trade secret, right of publicity, or other proprietary right. The burden of determining that any User Content is not protected by copyright, trademark, trade secret, right of publicity, or other proprietary right rests with you. You shall be solely liable for any damage resulting from any infringement of copyrights, trademarks, trade secrets, rights of publicity, or other proprietary rights or any other harm resulting from such a submission. Any person determined by Cambio, in its sole discretion, to have violated the intellectual property or other rights of others shall be barred from submitting or posting any further material on the Website.

4.3 You agree not to represent or suggest, directly or indirectly, that Cambio has endorsed any User Content.

4.4 Any conduct that we, in our sole discretion, believe restricts or inhibits anyone else from using or enjoying the Website will not be permitted. We reserve the right, in our sole discretion, to remove or edit User Content submitted by you.

4.5 You acknowledge and agree that we are not responsible for the accuracy or credibility of any User Content, and do not take any responsibility or assume any liability for any actions you may take as a result of reading User Content posted on the Website. Through your use of Interactive Areas, you may be exposed to content that you may find offensive, objectionable, harmful, inaccurate or deceptive. There may also be risks of dealing with underage persons, people acting under false pretense, international trade issues and foreign nationals. By using Interactive Areas, you assume all associated risks.

4.6 We have the right, but not the obligation, to monitor User Content posted or uploaded to the Website to determine compliance with these Terms and any operating rules established by us and to satisfy any law, regulation, or authorized government request. Although we have no obligation to monitor, screen, edit or remove any of the User Content posted or uploaded to the Website, we reserve the right, and have absolute discretion, to screen, edit, refuse to post or remove without notice any User Content posted or uploaded to the Website at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content posted to the Website at your sole cost and expense. The decision by Cambio to monitor and/or modify User Content does not constitute nor shall it be deemed to constitute any responsibility or liability in any manner on our part in connection with or arising from your use of Interactive Areas on the Website.

4.7 By submitting User Content to the Website, you automatically grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide right and license to use, publish, reproduce, modify, adapt, edit, translate, create derivative works from, incorporate into other works, distribute, sublicense and otherwise exploit such User Content (in whole or in part) in any form, media, or technology now known or hereafter developed, without payment to you or to any third parties. Additionally, to the fullest extent permitted under applicable law, you waive your moral rights in the User Content and agree not to assert such rights against us. You represent and warrant to us that you have the full legal right, power and authority to grant to us the license provided for herein, that you own or control the complete exhibition and other rights to the User Content you submitted for the purposes contemplated in this license and that neither the User Content nor the exercise of the rights granted herein shall violate these Terms, or infringe upon any rights, including the right of privacy or right of publicity, or constitute a libel or slander against, or violate any common law or any other right of, or cause injury to, any person or entity. You further grant to us the right, but not the obligation, to pursue at law any person or entity that violates your or our rights in the User Content by a breach of these Terms.

5. Intellectual Property Rights

You acknowledge that all text, graphics, photographs, trademarks, logos, icons, user interfaces, sounds, music, videos, artwork, software, and computer code (collectively, “Content”), including but not limited to the “look and feel”, layout, design, structure, color scheme, selection, combination and arrangement of the Content present on the Website is owned by or licensed to us and that such Content is protected by copyright, trademark, trade dress and various other intellectual property and unfair competition laws.

Except with our express prior written permission or as permitted by applicable laws, you may not copy, distribute, reproduce, mirror, frame, publicly display, publicly perform, translate, create derivative works of, re-publish or transmit the Website or Content (in whole or in part) in any way or through any medium for distribution, publication, or any commercial purpose.

6. Disclaimer of Warranty; Limitation of Liability

(A) YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. NEITHER CAMBIO NOR ANY OF ITS EMPLOYEES, AGENTS, THIRD-PARTY CONTENT PROVIDERS, THIRD-PARTY SERVICE PROVIDERS, OR LICENSORS WARRANT THAT USE OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE WEBSITE, NOR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE WEBSITE.

(B) THE WEBSITE IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS.
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(C) TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, IN NO EVENT WILL CAMBIO BE LIABLE TO YOU FOR ANY PERSONAL INJURY, PROPERTY DAMAGE, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, LOSS OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER AND/OR DEVICE OR TECHNOLOGY FAILURE OR MALFUNCTION OR FOR ANY FORM OF DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES BASED ON ANY CAUSES OF ACTION ARISING OUT OF USE OF THE WEBSITE OR ANY ALLEGED FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, OR DELAY IN SERVICE, OPERATION, OR TRANSMISSION OF THE WEBSITE, OR ANY ALLEGED COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OF PROPERTY, AND/OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF OR POSTING OF ANY RECORD, CONTENT, OR TECHNOLOGY, PERTAINING TO OR ON THE WEBSITE. YOU AGREE THAT THIS LIMITATION OF LIABILITY APPLIES WHETHER SUCH ALLEGATIONS ARE FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR FALL UNDER ANY OTHER CAUSE OF ACTION, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED AND EVEN IF CAMBIO HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, YOU ALSO SPECIFICALLY ACKNOWLEDGE THAT CAMBIO IS NOT LIABLE FOR ANY ACTUAL OR ALLEGED DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OF THE WEBSITE OR ANY OTHER THIRD PARTIES.

IF APPLICABLE LAW DOES NOT ALLOW ALL OR ANY PART OF THE ABOVE LIMITATION OF LIABILITY TO APPLY TO YOU, THE LIMITATIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.

(D) We disclaim any and all liability of any kind for any unauthorized access to or use of your personally identifiable information. By accessing the Website, you acknowledge and agree to our disclaimer of any such liability. If you do not agree, you should not access or use the Website

7. Indemnification

You agree to defend, indemnify and hold harmless Cambio and its respective directors, officers, employees, and agents from and against all claims and expenses, including attorneys’ fees, arising out of the use of the Website by you. Cambio reserves the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this section. In such event, you shall provide Cambio with such cooperation as is reasonably requested by Cambio.

8. Termination; Survival

We may terminate or suspend these Terms at any time without notice to you. Without limiting the foregoing, we shall have the right to immediately terminate your access to the Website in the event of any conduct by you which we, in our sole discretion, consider to be unacceptable, or in the event of any breach by you of these Terms. The provisions of Sections 1, 2, and 4-12 survive termination of these Terms.

9. Governing Law; Venue

Any and all disputes, claims and controversies arising out of or in connection with your access to, and/or use of the Website, and/or the provision of content, services, and/or technology on or through the Website shall be governed by and construed exclusively in accordance with the laws of the State of New York  applicable to contracts made, entered into and performed entirely therein, without giving effect to its conflict of laws provisions. If a lawsuit or court proceeding is permitted under these Terms, then you and Cambio agree to submit to the personal and exclusive jurisdiction of the state courts and federal courts located within the County of New York, State of New York for the purpose of litigating any dispute.

10. Dispute Resolution and Arbitration

10.1 Generally

In the interest of resolving disputes between you and Cambio in the most expedient and cost-effective manner, you and Cambio agree that, unless prohibited by law, every dispute arising in connection with these Terms will be resolved by binding arbitration. This agreement to arbitrate disputes includes all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND CAMBIO ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

10.2 Exceptions.

Notwithstanding the foregoing, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law; or (d) to file suit in a court of law to address an intellectual property infringement claim.

10.3 Arbitration Rules

If you are based in the United States, any arbitration between you and Cambio will be governed by the Commercial Arbitration Rules and Mediation Procedures of the American Arbitration Association and will be held in New York, New York. Otherwise, any arbitration between you and Cambio will be governed by the Rules of Arbitration of the International Chamber of Commerce and will be held in the English language in London, United Kingdom.

10.4 No Class Actions.

YOU AND CAMBIO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Cambio agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

10.5 Enforceability

If this Section is found to be unenforceable, the parties agree that the exclusive jurisdiction and venue described herein will govern any action arising out of or related to these Terms.

11. Copyrights and Copyrights Agent

11.1 Respect for Intellectual Property

Cambio respects the intellectual-property rights of others and expects all users of and visitors to its Website, Interactive Areas and/or other Cambio products or services (each, a “Cambio Service”) to do the same. Cambio’s policy, in appropriate circumstances and at its discretion, is to disable and/or terminate the accounts of users who repeatedly infringe or are repeatedly charged with infringing the copyrights or other intellectual-property rights of others.

11.2 Notification of Alleged Infringement

If you believe that material available on a Cambio Service infringes your copyright, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing written notice to Cambio’s Designated Copyright Agent containing the following information, as required by 17 U.S.C. § 512(c)(3):

a. A physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;.

b. Identification of the copyrighted work claimed to have been infringed, or, if multiple works are covered by a single notification, a representative list of such works;

c. Identification of the material that is claimed to be infringing or to be the subject of infringing activity, and information reasonably sufficient to permit Cambio to locate the material;

d. Your contact information, such as an address, telephone number, and, if available, an email address;

e. A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

f. A statement, made under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.

11.3 Designated Copyright Agent

Cambio’s Designated Copyright Agent to receive DMCA notifications of claimed infringement is:

Copyright Agent
Cambio AI Inc.
133 W 25th Street, Suite 7W
New York, New York 10001
With a concurrent copy emailed to: legal@cambio.ai

Important: To ensure proper handling, only DMCA notices should be sent to this address. Other inquiries (such as technical support or general questions) should be directed to Cambio’s standard contact channels.

11.4 Counter-Notification

If you believe that material you posted or uploaded to a Cambio Service was removed or disabled as a result of mistake or misidentification, you may submit a counter-notification pursuant to 17 U.S.C. § 512(g). Your counter-notification must include:
a. Your physical or electronic signature;
b. Identification of the material that has been removed or to which access has been disabled, and the location where the material appeared before it was removed or disabled;
c. A statement under penalty of perjury that you have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification; and
d. Your name, address, telephone number, and a statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or, if outside the United States, for any judicial district in which Cambio may be found), and that you will accept service of process from the person who provided the original DMCA notification or their agent.
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Upon receipt of a valid counter-notification, Cambio may, at its discretion, restore the removed material in accordance with the procedures set forth in the DMCA
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11.5 Repeat Infringer Policy

Cambio reserves the right to terminate, in appropriate circumstances, users or account holders who are determined to be repeat infringers. Cambio also reserves the right, in its sole discretion, to remove or disable access to any material that allegedly infringes the rights of others, whether or not the material has been the subject of a DMCA notice.

12. Miscellaneous

These Terms and any operating guidelines and rules for the Website established by us constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. The provisions of these Terms are for the benefit of Cambio and its third-party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If any part of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, it will be replaced with language reflecting the original purpose in a valid and enforceable manner. The enforceable sections of these Terms will remain binding upon the parties. The section headings used herein are for convenience only and shall not be given any legal import.

How to Contact Us

Please contact us at legal@Cambio.ai if you have any questions about our privacy practices or this Privacy Notice. You can also write to us at Cambio AI Inc., 35 Ashuelot Drive, Washington, NH 03280 Attn: Privacy.

If you interact with Cambio AI through or on behalf of your organization, then your personal information may also be subject to your organization’s privacy practices and you should direct any questions to that organization.

These Terms were last updated on November 1, 2025.

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