TERMS AND CONDITIONS

Last Updated: February 17, 2026

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the Spanner application (the "Service") operated by:

Kable – Creative and Digital Design Inc.
14 Lismore Place
St. John’s, Newfoundland and Labrador, Canada, A1H0K2
("Kable", "us", "we", or "our").

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.

1. DESCRIPTION OF THE SERVICE

Spanner is an AI-powered software creation platform that enables users to generate applications using natural language prompts.

The Service may integrate third-party artificial intelligence technologies, including but not limited to:

• OpenAI models (including ChatGPT)
• Anthropic models
• Other third-party AI providers

The Service may generate software such as:

• Productivity applications
• Financial tracking tools
• Crypto or stock tracking tools
• Business tools
• Experimental or custom software

You acknowledge that AI-generated software may contain errors, defects, or limitations.

2. USER ELIGIBILITY

You must be at least 18 years old and legally capable of entering a binding agreement.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization.

3. ACCOUNTS

You may be required to create an account to access the Service.

You agree to:

• Provide accurate information
• Maintain confidentiality of login credentials
• Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts at our discretion.

4. FEES, PAYMENTS, AND SUBSCRIPTIONS

The Service may require payment of subscription or usage fees.

Payment Terms

• Fees are billed in advance
• Subscriptions automatically renew unless cancelled
• Prices are displayed in the applicable currency
• Taxes may apply where required by law

Fee Changes

Kable may modify pricing at any time. Continued use after a price change constitutes acceptance of the updated fees.

Refunds

Except where required by law:

• All fees are non-refundable
• No refunds are provided for unused subscription periods

5. AI-GENERATED CONTENT DISCLAIMER

Spanner uses artificial intelligence to generate applications and software code.

You acknowledge and agree:

• AI output may contain errors or vulnerabilities
• AI output may be incomplete or unreliable
• Generated apps may not function properly
• Generated apps may infringe third-party rights
• You are solely responsible for testing and validating any generated software

Kable does not guarantee the quality, legality, or fitness of AI-generated outputs.

6. NO PROFESSIONAL OR FINANCIAL ADVICE

The Service may generate applications related to:

• Investments
• Cryptocurrency
• Financial tracking
• Data analytics

Kable does not provide:

• Financial advice
• Investment advice
• Legal advice
• Professional services

You assume full responsibility for any reliance on generated software.

7. USER RESPONSIBILITIES AND PROHIBITED USES

You agree not to use the Service to:

• Create illegal software
• Develop malware or harmful code
• Violate intellectual property rights
• Engage in fraud or deceptive activities
• Create applications that violate laws or regulations

We may suspend or terminate access for violations.

8. THIRD-PARTY SERVICES

Spanner relies on third-party AI providers and infrastructure.

We are not responsible for:

• Third-party service interruptions
• Changes to third-party policies
• Accuracy of third-party AI outputs

Use of such services may be subject to their own terms.

9. INTELLECTUAL PROPERTY

Platform Ownership

The Service and all related technology remain the exclusive property of Kable and its licensors.

Generated Content Ownership

Subject to compliance with these Terms:

• You retain ownership of applications you generate
• Ownership does not include underlying AI systems or platform technology

You grant Kable a limited license to use generated content to:

• Improve the Service
• Maintain functionality
• Train systems (where permitted by law)

10. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

In no event shall Kable, its directors, employees, partners, agents, suppliers, or affiliates be liable for:

• Loss of profits
• Loss of data
• Security breaches
• Financial losses
• Legal claims related to generated software

Total liability shall not exceed the amount paid by you to Kable during the previous 12 months.

11. DISCLAIMER OF WARRANTIES

Your use of the Service is at your sole risk.

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind.

We do not warrant that:

• The Service will be uninterrupted or secure
• Errors will be corrected
• Generated software will function properly
• The Service will meet your expectations

12. TERMINATION

We may suspend or terminate your access at any time if you violate these Terms.

You may stop using the Service at any time.

Termination does not relieve you of outstanding payment obligations.

13. GOVERNING LAW

These Terms shall be governed by the laws of the Province of Newfoundland and Labrador, Canada, and applicable federal laws.

Any disputes shall be resolved in the courts of Newfoundland and Labrador.

14. CHANGES TO TERMS

We reserve the right to modify these Terms at any time.

If changes are material, we will attempt to provide notice at least 30 days in advance.

Continued use after changes constitutes acceptance of the updated Terms.

15 . User-Generated Applications and Public Sharing

Spanner enables users to create, publish, and share software applications (“User Apps”) with other individuals through share links or other distribution mechanisms.

By using the sharing features of the Service, you acknowledge and agree that:

Platform Role

Kable acts solely as a technology platform provider and does not:

• Create User Apps
• Review all User Apps prior to sharing
• Endorse or verify User Apps
• Guarantee the safety, functionality, or legality of User Apps

All User Apps are created and controlled by individual users.

User Responsibility

Users who create and share User Apps are solely responsible for:

• The content and functionality of their apps
• Compliance with applicable laws
• Protection of personal data collected through their apps
• Any damages caused by their apps

Public Distribution Risk

User Apps shared via links may be accessible by anyone with access to the link.

Kable is not responsible for how shared links are distributed or used.

Removal Rights

Kable reserves the right, at its sole discretion, to:

• Disable public access to any User App
• Remove User Apps from the platform
• Suspend accounts distributing harmful apps
• Investigate suspected violations

without prior notice.

No Platform Liability

Kable shall not be liable for any damages arising from:

• Use of User Apps by third parties
• Errors or defects in User Apps
• Security vulnerabilities in User Apps
• Data collected through User Apps

16. CONTACT INFORMATION

For legal inquiries regarding these Terms:

Kable – Creative and Digital Design Inc.
14 Lismore Place
St. John’s, NL, Canada, A1H0K2
Email: hello@madebykable.com