Terms of use

Last updated: March 5, 2026

These Terms of Service ("Terms") govern your access to and use of the Aldine AI agent platform and related services (the "Service") provided by Cowlabs ("we", "us", or "our"). Aldine is a product of Cowlabs. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Definitions

"Client" or "you" refers to the family office, business entity, or individual that subscribes to and uses the Service.

"AI Agent" refers to the customised artificial intelligence assistant configured and deployed for your use.

"Client Data" refers to any data, documents, emails, calendar entries, contacts, files, or other information that you provide to or make accessible through the Service.

"Consulting Engagement" refers to the initial setup, configuration, and customisation of your AI Agent, including integration with your existing tools and workflows.

2. Service Description

Aldine provides a dedicated AI agent configured to assist with operational tasks for family offices and professional services firms. The Service may include, but is not limited to, email triage, morning briefings, research, scheduling, report generation, and document preparation.

The Service is delivered via a dedicated, isolated infrastructure environment provisioned specifically for each Client. Your AI Agent is customised to your workflows, branding, and operational preferences during the Consulting Engagement.

3. Account and Access

You are responsible for maintaining the confidentiality of any credentials, API keys, or access tokens associated with your use of the Service. You agree to notify us immediately of any unauthorised access to or use of your account.

You may authorise members of your team to access the Service on your behalf. You remain responsible for all activity conducted through your account, including actions taken by authorised users.

4. Consulting Engagement and Setup

Use of the Service requires an initial Consulting Engagement in which we configure your AI Agent, integrate it with your existing tools, and train it on your workflows, branding, and preferences. The scope, timeline, and fee for this engagement will be agreed upon in a separate Statement of Work or order form.

The Consulting Engagement fee is payable in advance and is non-refundable once work has commenced, except as otherwise specified in the applicable Statement of Work.

5. Subscription and Payment

Following the Consulting Engagement, the Service is provided on a monthly subscription basis. Subscription fees are billed monthly in advance. All fees are quoted in Swiss Francs (CHF) unless otherwise agreed.

Your subscription includes a specified allocation of AI processing credits. Usage exceeding the included allocation will be billed as overage at the rates specified in your order form or pricing agreement.

We reserve the right to adjust subscription fees with 60 days' written notice. Any fee changes will take effect at the start of the next billing cycle following the notice period.

6. Term and Termination

The subscription is provided on a month-to-month basis. Either party may cancel the subscription by providing 30 days' written notice before the next billing cycle.

Either party may terminate these Terms immediately upon written notice if the other party materially breaches these Terms and fails to cure such breach within 30 days of receiving written notice.

Upon termination, we will provide you with a copy of your Client Data in a standard format within 30 days of your request. After this period, we will securely delete all Client Data from our systems unless retention is required by applicable law.

7. Client Data and Privacy

You retain all rights, title, and interest in your Client Data. You grant us a limited licence to access, process, and use your Client Data solely for the purpose of providing and improving the Service.

We process Client Data in accordance with our Privacy Policy and any applicable Data Processing Agreement (DPA). Where a DPA is executed between the parties, its terms take precedence over this section in the event of any conflict.

We implement appropriate technical and organisational measures to protect Client Data, including encryption at rest (AES-256) and in transit (TLS 1.3), access controls, and regular security assessments.

We do not sell, share, or otherwise disclose Client Data to third parties except as necessary to provide the Service (for example, to AI model providers under zero-retention data processing agreements) or as required by applicable law.

8. AI Model and Third-Party Services

The Service utilises third-party AI models to process requests and generate outputs. We select AI model providers that offer enterprise-grade data protection, including zero-retention policies where available.

Client Data sent to AI model providers for processing is transmitted securely and is not used by those providers to train their models, subject to the terms of our agreements with those providers.

We may change the underlying AI model providers at our discretion to improve service quality, reduce costs, or comply with regulatory requirements, provided that such changes do not materially diminish the security protections applied to your Client Data.

9. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

a) Use the Service in any way that violates applicable laws or regulations, including but not limited to data protection, financial services, and anti-money laundering regulations. b) Attempt to gain unauthorised access to any part of the Service, other accounts, or computer systems or networks connected to the Service. c) Use the Service to store, transmit, or process data that you do not have the right to use or that infringes any third party's intellectual property rights. d) Reverse engineer, decompile, or disassemble the Service or attempt to derive source code from the Service. e) Resell, sublicence, or otherwise make the Service available to any third party without our prior written consent.

10. Intellectual Property

CowLabs retains all rights, title, and interest in the Service, including all software, algorithms, configurations, and documentation. These Terms do not grant you any rights to our intellectual property except as expressly set forth herein.

Any outputs generated by the AI Agent using your Client Data are owned by you. We claim no ownership over content produced by your AI Agent in the course of providing the Service.

11. Disclaimers and Limitation of Liability

AI Output Disclaimer. The AI Agent is a tool designed to assist with operational tasks. AI-generated outputs may contain errors, inaccuracies, or omissions. You are solely responsible for reviewing and verifying all outputs before relying on them or sharing them with third parties. The Service does not constitute financial, legal, tax, or investment advice.

Service Availability. We strive to maintain high availability of the Service but do not guarantee uninterrupted or error-free operation. We are not liable for any downtime, delays, or interruptions in service.

Limitation of Liability. To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising out of or relating to these Terms or the Service shall not exceed the total fees paid by you to us in the 12 months preceding the claim. In no event shall we be liable for any indirect, incidental, special, consequential, or punitive damages.

No Warranty. The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

12. Indemnification

You agree to indemnify, defend, and hold harmless CowLabs and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your Client Data; (c) your breach of these Terms; or (d) your violation of any applicable law or regulation.

13. Confidentiality

Each party agrees to treat as confidential all information received from the other party that is designated as confidential or that a reasonable person would understand to be confidential given the nature of the information and the circumstances of disclosure.

Confidential information shall not be disclosed to any third party without the prior written consent of the disclosing party, except to the extent necessary to provide the Service or as required by applicable law. This obligation of confidentiality shall survive the termination of these Terms for a period of 3 years.

14. Data Protection and Compliance

We process personal data in accordance with the UK Data Protection Act 2018, the UK General Data Protection Regulation (UK GDPR), and where applicable, the EU General Data Protection Regulation (EU GDPR) and the Swiss Federal Act on Data Protection (FADP). We act as a data processor with respect to Client Data that contains personal data.

Upon request, we will enter into a Data Processing Agreement that sets out the specific terms governing our processing of personal data on your behalf, including the categories of data processed, security measures, sub-processor management, and data subject rights.

We will promptly notify you of any data breach affecting your Client Data in accordance with applicable legal requirements.

15. Modifications to These Terms

We may update these Terms from time to time. We will notify you of any material changes at least 30 days before they take effect by sending a notice to the email address associated with your account. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the courts of England and Wales.

17. General Provisions

Entire Agreement. These Terms, together with any applicable Statement of Work, order form, Data Processing Agreement, and Privacy Policy, constitute the entire agreement between you and CowLabs with respect to the Service.

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

Waiver. No failure or delay by either party in exercising any right under these Terms shall constitute a waiver of that right.

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

Force Majeure. Neither party shall be liable for any failure or delay in performing its obligations under these Terms to the extent that such failure or delay results from circumstances beyond the party's reasonable control.

18. Contact

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

Cowlabs Product: Aldine Email: [marius@aldine.ai] United Kingdom