Terms of Service

1. Acceptance of Terms

By accessing or using the Criollo.Studio platform and services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not access or use the Service. These Terms constitute a legally binding agreement between you and Criollo.Studio ("we," "our," or "us"), operated from Puerto Rico.

2. Description of Service

Criollo.Studio provides an AI-powered business planning platform that uses specialized AI agents to research markets, validate business models, generate financial projections, perform SWOT analyses, create Business Model Canvases, and produce comprehensive business plans. The Service is designed as a planning and research tool and does not constitute professional financial, legal, or business advice.

3. User Accounts

• You must be at least 18 years old to create an account and use the Service.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• You agree to provide accurate, current, and complete information during registration and to update such information as necessary.
• You must notify us immediately of any unauthorized access to or use of your account.
• We reserve the right to suspend or terminate accounts that violate these Terms or are inactive for extended periods.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable local, state, national, or international law or regulation.
• Generate content that is fraudulent, misleading, defamatory, obscene, or harmful.
• Attempt to circumvent security measures, rate limits, or access controls.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Use automated systems (bots, scrapers) to access the Service without our written permission.
• Impersonate any person or entity, or misrepresent your affiliation with a person or entity.
• Interfere with or disrupt the Service or servers/networks connected to the Service.
• Use the Service to create competing products or services.

5. Intellectual Property

5.1 Our Intellectual Property

The Service, including its design, functionality, AI models, algorithms, branding, and all underlying technology, is owned by Criollo.Studio and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our proprietary technology without our express written consent.

5.2 Your Content

You retain ownership of the business information, ideas, and data you provide to the Service ("Your Content"). By using the Service, you grant us a limited, non-exclusive license to process Your Content solely for the purpose of providing the Service to you. Generated outputs (business plans, analyses, projections) are licensed to you for your personal and commercial use.

5.3 Feedback

If you provide feedback, suggestions, or ideas regarding the Service, you grant us an unrestricted, irrevocable license to use and incorporate such feedback without obligation to you.

6. Payment Terms

• Certain features of the Service require a paid subscription. Prices and plan details are displayed on our Pricing page.
• Subscriptions are billed in advance on a monthly or annual basis, depending on the plan selected.
• All fees are non-refundable unless otherwise required by law or stated in our refund policy.
• We reserve the right to modify pricing with 30 days' notice. Price changes will not affect your current billing cycle.
• Failure to pay may result in suspension or termination of your account and access to the Service.

7. AI-Generated Content Disclaimer

The business plans, market research, financial projections, and other outputs generated by the Service are produced by artificial intelligence and are intended for informational and planning purposes only. While we strive for accuracy, AI-generated content may contain errors, inaccuracies, or omissions. You should independently verify all critical data, financial figures, and market information before making business decisions. The Service does not replace professional financial advisors, lawyers, or certified business consultants.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CRIOLLO.STUDIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY. OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless Criollo.Studio and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We may terminate or suspend your access to the Service immediately, without prior notice, if you breach these Terms or engage in conduct that we determine to be harmful to the Service, other users, or third parties. Upon termination, your right to use the Service ceases immediately. You may request deletion of your account and associated data by contacting us. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitation of liability, and indemnification) will survive.

12. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved exclusively in the courts of the Commonwealth of Puerto Rico. You consent to the personal jurisdiction of such courts.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

14. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Criollo.Studio regarding the Service.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.
• Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights without restriction.

15. Contact Us

If you have questions about these Terms, please contact us: