# TERMS OF SERVICE
**DigiAudit AI Engine**
**Effective Date:** February 13, 2026
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## 1. ACCEPTANCE OF TERMS
By accessing or using the DigiAudit AI Engine ("Platform"), you agree to be bound by these Terms of Service, our Privacy Policy, and our Master Service Agreement. If you do not agree, do not use the Platform.
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## 2. DESCRIPTION OF SERVICES
Digi Cosmos ("we," "us," "our") provides AI-powered digital transformation assessment services through the Platform. Our services include:
- Digital maturity assessments
- Strategic recommendations
- Risk assessments
- Capital allocation guidance
**IMPORTANT:** Our services are AI-generated and do NOT constitute professional audit, legal, financial, or compliance advice.
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## 3. USER ACCOUNTS
**3.1** You must provide accurate registration information.
**3.2** You are responsible for maintaining account security.
**3.3** You must notify us immediately of unauthorized access.
**3.4** One account per individual or organization.
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## 4. ACCEPTABLE USE
You agree NOT to:
- Use the Platform for unlawful purposes
- Attempt to reverse-engineer our algorithms
- Scrape or automated data collection
- Distribute malware or harmful code
- Impersonate others
- Circumvent security measures
- Resell or redistribute our services
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## 5. AI-GENERATED CONTENT
**5.1** All reports are generated by artificial intelligence based on user inputs.
**5.2** AI outputs are probabilistic estimates, not guaranteed facts.
**5.3** External citations reference only publicly available sources.
**5.4** Citations use official URLs, not brand names, for accuracy.
**5.5** Referenced content is used verbatim without modification.
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## 6. INTELLECTUAL PROPERTY
**6.1** The Platform and its methodology are protected by intellectual property laws.
**6.2** You receive a limited license to use reports for internal business purposes only.
**6.3** You may not commercially distribute or resell our reports.
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## 7. PAYMENT AND REFUNDS
**7.1** Fees are displayed at checkout and processed via secure payment providers.
**7.2** All sales are final. Refunds are provided only as required by law.
**7.3** We reserve the right to change pricing with notice.
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## 8. DISCLAIMERS
**8.1 NOT PROFESSIONAL ADVICE**
Our services do not constitute legal, financial, accounting, compliance, or professional audit advice. Consult qualified professionals before making decisions.
**8.2 NO COMPLIANCE CERTIFICATION**
High scores do not indicate regulatory compliance or legal immunity.
**8.3 THIRD-PARTY REFERENCES**
We do not endorse or guarantee third-party services mentioned in reports.
**8.4 WARRANTY DISCLAIMER**
Services are provided "AS IS" without warranties of any kind.
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## 9. LIMITATION OF LIABILITY
To the maximum extent permitted by law:
- Our total liability is limited to fees paid in the preceding 12 months
- We are not liable for indirect, consequential, or punitive damages
- We are not liable for decisions made based on our AI outputs
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## 10. INDEMNIFICATION
You agree to indemnify us from claims arising from your use of the Platform or violation of these Terms.
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## 11. TERMINATION
We may terminate or suspend access for violations of these Terms. Termination does not affect accrued rights or liabilities.
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## 12. CHANGES TO TERMS
We may update these Terms. Continued use after changes constitutes acceptance.
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## 13. GOVERNING LAW
These Terms are governed by the laws of Ontario, Canada.
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## 14. CONTACT
Questions:
[email protected]
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**Digi Cosmos (A division of HealthCart Inc.)**
*Last Updated: February 13, 2026*
*Version: 2.0*