1. Acceptance of Terms and Agreement Scope

By accessing, browsing, or using the Excibico AI-powered agricultural asset management simulation platform and related services ("Service," "Platform," or "Excibico"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms," "Agreement") and all applicable laws and regulations.

These Terms constitute a legally binding agreement between you ("User," "Client," "you") and Excibico, a licensed provider of agricultural business training solutions operating in Canada. If you do not agree with any part of these Terms, you must not access or use our Service.

These Terms apply to all users of our platform, including but not limited to executives, managers, consultants, and other professionals in Canada's agriculture and farming sector who access our licensed training solutions, simulation games, and related educational content.

By using our Service, you represent and warrant that you have the legal capacity to enter into this Agreement and that your use of the Service complies with all applicable local, provincial, and federal laws and regulations.

2. Comprehensive Service Description

Excibico provides a comprehensive AI-powered simulation platform specifically designed for agricultural business training and professional development. Our Service includes:

Core Platform Features

• AI-Driven Simulation Engine: Advanced artificial intelligence technology that creates realistic agricultural business scenarios, market conditions, and decision-making challenges
• Strategic Decision-Making Modules: Interactive training modules focused on asset management, resource allocation, risk assessment, and strategic planning in agricultural contexts
• Performance Analytics and Reporting: Comprehensive tracking and analysis of user performance, decision outcomes, and learning progress with detailed reporting capabilities
• Customizable Training Paths: Personalized learning experiences tailored to specific roles, experience levels, and agricultural sectors
• Real-Time Market Integration: Live market data feeds and economic indicators that influence simulation scenarios and outcomes

Educational and Support Services

• Expert-Led Training Sessions: Live and recorded training sessions conducted by agricultural business experts and industry professionals
• Certification Programs: Structured certification paths that validate competency in agricultural asset management and strategic decision-making
• Professional Development Resources: Access to industry reports, best practices guides, case studies, and continuing education materials
• Customer Support Services: Technical support, training assistance, and consultation services provided by our team of agricultural business specialists
• Community and Networking Features: Access to professional networks, peer learning opportunities, and industry forums

Regulatory Compliance and Licensing

Our platform is fully licensed and compliant with all Canadian agricultural training regulations, having successfully passed required regulatory checks and certifications. We maintain ongoing compliance with industry standards and regulatory requirements.

3. User Eligibility, Registration, and Account Management

To access and use our Service, you must meet specific eligibility requirements and complete our registration process:

Eligibility Requirements

• Age and Legal Capacity: You must be at least 18 years of age and have the legal capacity to enter into binding agreements
• Geographic Requirements: You must be a legal resident of Canada or authorized to conduct business within Canadian jurisdiction
• Professional Qualifications: You must hold a position as an executive, manager, supervisor, or decision-maker in the agricultural, farming, or related agribusiness sector
• Industry Experience: Minimum of two years of relevant experience in agricultural business, farm management, or related fields
• Educational Background: Completion of secondary education or equivalent, with preference for post-secondary education in agriculture, business, or related fields

Registration Process and Requirements

• Accurate Information: You must provide complete, accurate, and current information during registration and maintain the accuracy of your account information
• Identity Verification: We may require verification of your identity, professional credentials, and employment status as part of the registration process
• Account Security: You are responsible for maintaining the confidentiality and security of your account credentials, including username and password
• Single Account Policy: Each user is permitted only one active account unless specifically authorized by Excibico for multiple account access
• Account Monitoring: You must promptly notify us of any unauthorized use of your account or any other security breaches

Account Responsibilities

• Authorized Use Only: Your account is for your personal professional use only and may not be shared, transferred, or used by unauthorized individuals
• Activity Monitoring: You acknowledge that we may monitor account activity for security, compliance, and service improvement purposes
• Information Updates: You must promptly update your account information when changes occur, including contact information, employment status, or professional credentials

4. Detailed License Grant and Usage Rights

Subject to your compliance with these Terms and payment of applicable fees, Excibico grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your professional development and training purposes:

Permitted Uses

• Personal Professional Development: Use the platform for your individual learning, skill development, and professional advancement in agricultural business management
• Organizational Training: If you have an organizational account, use the platform to train employees, team members, and colleagues within your organization
• Educational Activities: Participate in simulations, complete training modules, access educational content, and utilize learning resources
• Performance Tracking: Generate reports, track progress, and analyze performance data for personal or organizational development purposes
• Professional Networking: Engage with other users through approved platform features and participate in professional development activities

Prohibited Uses and Restrictions

• Intellectual Property Violations: You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any part of the Service or its content
• Reverse Engineering: You may not reverse engineer, decompile, disassemble, or attempt to derive the source code of the platform or its underlying technology
• Unauthorized Access: You may not attempt to gain unauthorized access to any part of the Service, other user accounts, or computer systems connected to the Service
• Data Mining and Scraping: You may not use automated tools, bots, or scripts to extract data from the platform or interfere with its operation
• Commercial Redistribution: You may not resell, sublicense, or redistribute access to the Service without explicit written authorization from Excibico
• Competitive Intelligence: You may not use the Service to develop competing products or services or to gather competitive intelligence for unauthorized purposes

Content and Data Usage

• Educational Content: All training materials, simulations, and educational content are provided for your personal professional development and may not be shared outside your authorized organization
• Performance Data: While you retain ownership of your performance data, you grant us the right to use aggregated, anonymized data for platform improvement and research purposes
• User-Generated Content: Any content you create or submit through the platform remains your property, but you grant us a license to use it for platform operation and improvement

5. Comprehensive Payment Terms and Billing Policies

Our Service is provided on a subscription basis with various pricing tiers and payment options designed to meet the needs of individual professionals and organizations:

Subscription Plans and Pricing

• Individual Professional Plans: Monthly, quarterly, and annual subscription options for individual users with varying levels of access and features
• Organizational Plans: Enterprise-level subscriptions for companies, cooperatives, and agricultural organizations with multiple user access and administrative features
• Custom Enterprise Solutions: Tailored pricing and features for large organizations with specific requirements and volume discounts
• Educational Institution Rates: Special pricing for accredited educational institutions and training organizations

Payment Processing and Billing

• Payment Methods: We accept major credit cards, corporate checks, wire transfers, and other approved payment methods as specified during registration
• Billing Cycles: Subscriptions are billed in advance according to your selected billing cycle (monthly, quarterly, or annually)
• Automatic Renewal: Subscriptions automatically renew unless cancelled before the end of the current billing period
• Payment Processing: All payments are processed securely through certified third-party payment processors in compliance with industry standards
• Currency and Taxes: All prices are quoted in Canadian dollars (CAD) and exclude applicable taxes, which will be added to your invoice as required by law

Refunds and Cancellation Policy

• Refund Eligibility: Refunds may be available within 30 days of initial subscription purchase for new users who have not significantly used the platform
• Cancellation Process: You may cancel your subscription at any time through your account settings or by contacting customer support
• Service Continuation: Upon cancellation, you will retain access to the Service until the end of your current billing period
• Data Retention: After cancellation, your account data will be retained according to our data retention policy as outlined in our Privacy Policy
• No Partial Refunds: Except as required by law, we do not provide partial refunds for unused portions of subscription periods

Price Changes and Modifications

• Price Change Notice: We reserve the right to modify subscription prices with at least 30 days' advance notice to existing subscribers
• Grandfathering Policy: Existing subscribers will maintain their current pricing for the remainder of their current subscription term
• New Pricing Application: New pricing will apply upon subscription renewal unless you cancel before the renewal date

6. Intellectual Property Rights and Ownership

The Service and all its components, including but not limited to software, content, trademarks, and proprietary technology, are and will remain the exclusive property of Excibico and its licensors:

Excibico's Intellectual Property

• Platform Technology: All software, algorithms, artificial intelligence models, and technical infrastructure used to provide the Service
• Educational Content: Training materials, simulation scenarios, case studies, assessments, and all other educational content
• Trademarks and Branding: The Excibico name, logo, trademarks, service marks, and all related branding elements
• Data and Analytics: Aggregated user data, performance analytics, and insights derived from platform usage
• Proprietary Methods: Training methodologies, assessment techniques, and educational frameworks developed by Excibico

User Content and Data Rights

• User-Generated Content: You retain ownership of any original content you create or submit through the platform
• License Grant to Excibico: By submitting content, you grant Excibico a non-exclusive, worldwide, royalty-free license to use, modify, and display your content for platform operation and improvement
• Performance Data: While you own your individual performance data, Excibico may use aggregated, anonymized data for research, platform improvement, and industry analysis
• Feedback and Suggestions: Any feedback, suggestions, or ideas you provide to Excibico become our property and may be used without compensation or attribution

Third-Party Content and Licenses

• Licensed Content: Some platform content may be licensed from third parties and is subject to additional terms and restrictions
• Open Source Components: The platform may include open source software components, which are governed by their respective licenses
• Industry Data: Market data and industry information may be provided by third-party data providers under separate licensing agreements

7. Privacy, Data Protection, and Information Security

Your privacy and the security of your personal information are fundamental to our operations. Our data handling practices are governed by our comprehensive Privacy Policy and applicable Canadian privacy laws:

Data Collection and Use

• Personal Information: We collect and process personal information as described in our Privacy Policy, including contact information, professional details, and platform usage data
• Training Data: Performance data, learning progress, and simulation results are collected to provide personalized training experiences and track professional development
• Technical Information: System logs, device information, and technical data are collected for platform security, performance optimization, and troubleshooting
• Communication Records: Support interactions, feedback, and other communications are retained for service improvement and regulatory compliance

Data Security Measures

• Encryption and Protection: All data transmission and storage utilize industry-standard encryption and security protocols
• Access Controls: Strict access controls and authentication measures protect against unauthorized access to personal information
• Regular Security Audits: We conduct regular security assessments and audits to maintain the highest levels of data protection
• Incident Response: We maintain comprehensive incident response procedures to address any potential security breaches promptly

Regulatory Compliance

• Canadian Privacy Laws: We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation
• Industry Standards: Our data handling practices meet or exceed industry standards for educational technology and professional training platforms
• International Standards: We adhere to internationally recognized privacy and security frameworks where applicable

8. User Conduct and Acceptable Use Policy

To maintain a professional, secure, and productive learning environment, all users must adhere to our acceptable use policy and conduct standards:

Professional Conduct Requirements

• Professional Behavior: Maintain professional standards in all interactions with other users, support staff, and platform features
• Respectful Communication: Engage respectfully with other users and avoid harassment, discrimination, or inappropriate behavior
• Honest Representation: Provide accurate information about your professional background, experience, and qualifications
• Constructive Participation: Contribute positively to the learning community through constructive feedback and professional engagement

Prohibited Activities

• Illegal Activities: Use the platform for any illegal purposes or activities that violate applicable laws and regulations
• Security Violations: Attempt to breach platform security, access unauthorized areas, or interfere with system operations
• Content Violations: Upload, share, or distribute inappropriate, offensive, or copyrighted content without authorization
• Spam and Abuse: Send unsolicited communications, spam, or engage in abusive behavior toward other users or staff
• Commercial Misuse: Use the platform for unauthorized commercial purposes, advertising, or promotional activities
• False Information: Provide false, misleading, or fraudulent information during registration or platform use

Enforcement and Consequences

• Violation Investigation: We investigate reported violations of these conduct standards and may take appropriate action
• Warning System: Minor violations may result in warnings and opportunities to correct behavior
• Account Suspension: Serious or repeated violations may result in temporary or permanent account suspension
• Legal Action: Severe violations may result in legal action and cooperation with law enforcement authorities

9. Service Availability and Platform Maintenance

We strive to provide reliable, consistent access to our platform while maintaining the flexibility to perform necessary maintenance and improvements:

Service Availability

• Uptime Commitment: We target 99.5% uptime for our platform, excluding scheduled maintenance periods
• 24/7 Access: The platform is designed to be available 24 hours a day, 7 days a week, subject to maintenance requirements
• Geographic Availability: Services are available throughout Canada, with optimized performance for Canadian users
• Mobile and Desktop Access: The platform is accessible through web browsers on desktop and mobile devices

Maintenance and Updates

• Scheduled Maintenance: We perform regular scheduled maintenance, typically during low-usage periods with advance notice
• Emergency Maintenance: Unscheduled maintenance may be necessary to address security issues or critical system problems
• Platform Updates: We regularly update the platform with new features, content, and improvements
• Notification Procedures: Users are notified of scheduled maintenance through email and platform announcements

Service Interruptions

• Force Majeure: Service may be interrupted due to circumstances beyond our control, including natural disasters, power outages, or internet infrastructure issues
• Third-Party Dependencies: Service availability may be affected by third-party service providers, including internet service providers and cloud infrastructure partners
• Compensation Policy: Service credits may be provided for extended outages as outlined in your service agreement

10. Limitation of Liability and Disclaimers

To the maximum extent permitted by applicable law, Excibico's liability is limited as follows:

Disclaimer of Warranties

• Service Provided "As Is": The Service is provided on an "as is" and "as available" basis without warranties of any kind
• No Guarantee of Results: We do not guarantee specific learning outcomes, career advancement, or business results from using our platform
• Third-Party Content: We disclaim responsibility for the accuracy or reliability of third-party content or services integrated with our platform
• Technical Performance: While we strive for optimal performance, we do not warrant that the Service will be error-free or uninterrupted

Limitation of Damages

• Direct Damages: Our total liability for direct damages is limited to the amount you paid for the Service in the 12 months preceding the claim
• Indirect Damages: We are not liable for indirect, incidental, special, consequential, or punitive damages
• Business Losses: We are not liable for lost profits, business interruption, loss of data, or other commercial damages
• Third-Party Claims: We are not liable for damages arising from third-party claims or actions

Exceptions and Limitations

• Applicable Law: Some jurisdictions do not allow certain limitations of liability, so these limitations may not apply to you
• Gross Negligence: Limitations may not apply to damages caused by our gross negligence or willful misconduct
• Personal Injury: Limitations do not apply to personal injury claims where prohibited by law

11. Indemnification and User Responsibility

You agree to indemnify, defend, and hold harmless Excibico, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, costs, and expenses arising from:

• Terms Violations: Your violation of these Terms of Service or any applicable laws and regulations
• Unauthorized Use: Your unauthorized use of the Service or use in a manner not permitted by these Terms
• Content Claims: Claims that your user-generated content infringes on third-party rights or violates applicable laws
• Account Security: Unauthorized use of your account resulting from your failure to maintain account security
• Third-Party Claims: Claims by third parties arising from your use of the Service or your professional activities
• Negligent Acts: Your negligent or wrongful acts or omissions in connection with your use of the Service

This indemnification obligation survives termination of these Terms and your use of the Service.

12. Termination Procedures and Consequences

Either party may terminate this Agreement under various circumstances, with specific procedures and consequences:

Termination by User

• Voluntary Termination: You may terminate your account at any time through your account settings or by contacting customer support
• Cancellation Process: Account cancellation takes effect at the end of your current billing period unless you request immediate termination
• Data Export: You may request export of your personal data before account termination, subject to technical limitations
• Refund Policy: Termination does not automatically entitle you to refunds, except as specified in our refund policy

Termination by Excibico

• Terms Violation: We may terminate accounts for violations of these Terms, with or without prior notice depending on the severity
• Non-Payment: Accounts may be suspended or terminated for non-payment of fees after appropriate notice and opportunity to cure
• Fraudulent Activity: Immediate termination may occur for fraudulent activity, security breaches, or illegal use
• Business Reasons: We may terminate the Service or specific accounts for legitimate business reasons with appropriate notice

Post-Termination Effects

• Access Cessation: Upon termination, your right to access and use the Service immediately ceases
• Data Retention: Your data will be handled according to our data retention policy as outlined in our Privacy Policy
• Surviving Provisions: Certain provisions of these Terms survive termination, including intellectual property rights, indemnification, and limitation of liability
• Outstanding Obligations: Termination does not relieve you of any outstanding payment obligations or other responsibilities

13. Governing Law and Dispute Resolution

These Terms and any disputes arising from your use of the Service are governed by Canadian law and specific dispute resolution procedures:

Applicable Law

• Provincial Law: These Terms are governed by the laws of the Province of Ontario, Canada
• Federal Law: Federal laws of Canada apply where relevant, including privacy, consumer protection, and commercial regulations
• Conflict of Laws: Governing law applies without regard to conflict of law principles
• International Users: Users outside Canada acknowledge that Canadian law governs their use of the Service

Dispute Resolution Process

• Informal Resolution: We encourage users to first attempt to resolve disputes through direct communication with our customer support team
• Mediation: If informal resolution fails, disputes may be submitted to mediation through a recognized Canadian mediation service
• Arbitration: Binding arbitration may be required for certain types of disputes, as specified in your service agreement
• Court Jurisdiction: If litigation is necessary, disputes will be resolved in the courts of Ontario, Canada

Class Action Waiver

To the extent permitted by law, you agree to resolve disputes individually and waive the right to participate in class action lawsuits or other collective legal proceedings.

14. Modifications to Terms and Service Changes

We reserve the right to modify these Terms and our Service to reflect changes in law, technology, business practices, or user needs:

Terms Modifications

• Update Authority: We may update these Terms at any time to reflect changes in our services, legal requirements, or business practices
• Notice Requirements: Material changes to these Terms will be communicated through email, platform notifications, or other appropriate means
• Advance Notice: We will provide at least 30 days' notice for significant changes that materially affect your rights or obligations
• Acceptance of Changes: Continued use of the Service after changes take effect constitutes acceptance of the modified Terms
• Rejection of Changes: If you do not agree to modified Terms, you may terminate your account before the changes take effect

Service Modifications

• Feature Updates: We regularly add new features, content, and capabilities to improve the Service
• Content Changes: Training materials, simulations, and educational content may be updated to reflect current industry practices and regulations
• Technology Improvements: Platform technology, user interface, and system architecture may be modified to enhance performance and user experience
• Service Discontinuation: We reserve the right to discontinue specific features or services with appropriate notice to affected users

Communication and Documentation

• Version Control: We maintain version history of these Terms and make previous versions available upon request
• Change Summaries: Significant updates include summaries of key changes to help users understand modifications
• Legal Review: All Terms modifications undergo legal review to ensure compliance with applicable laws and regulations

15. Contact Information and Legal Notices

For questions, concerns, or legal notices regarding these Terms of Service, please contact us using the following information:

We are committed to addressing your legal concerns promptly and will respond to all inquiries within 10 business days. For urgent legal matters, please call our main number and request to speak with our legal department.

All legal notices, including notices of Terms violations, copyright infringement claims, or other legal matters, must be sent in writing to the address above or via email to our legal department.