Disclaimer Policy
Effective Date: 1 May 2025 | Last Revised: 1 May 2025 (v 1.0)
1 · Overview
This Disclaimer applies to your use of Karsaaz AI, a product of **Karsaaz EBS Ltd (UK)**. By accessing the apps, APIs, or related services, you acknowledge and agree to every statement below.
2 · Informational Nature of Services
Karsaaz AI delivers **AI-generated content for informational purposes only**. We do not provide licensed professional services.
3 · No Expert Advice
Karsaaz AI does not offer licensed:
- Medical advice (Health AI),
- Legal services (Law AI),
- Financial or investment advice,
- Cybersecurity or regulated risk assessments,
- Education or professional tutoring.
**Always consult a qualified professional** before making critical medical, legal, financial, or educational decisions.
4 · No Warranties or Guarantees
We do not guarantee the **accuracy, timeliness, completeness, or reliability** of any AI outputs. Outputs may be incomplete, outdated, or contextually limited.
5 · Use of Third-Party APIs
Some modules (e.g., Trade Assistant, Scam Detection, OCR, Voice Processing) rely on third-party APIs. We disclaim liability for:
- Malfunctions, outages, or DNS failures,
- Inaccurate or delayed third-party responses.
6 · User Accountability
You remain **fully responsible** for your decisions based on Karsaaz AI outputs. Critical actions must always be independently verified.
7 · Limitation of Liability
To the fullest extent permitted by law:
- Karsaaz’s total liability in any rolling 12-month period is capped at the greater of (i) **USD 100** or (ii) fees paid during that period.
- We are not liable for indirect, incidental, special, punitive, or consequential damages, or loss of profits, goodwill, or data.
8 · Consent Logging
- We log your user ID, IP, timestamp, and policy version at onboarding.
- Logs are encrypted and retained for regulatory audits under **GDPR, PECA 2025, and PCI-DSS**.
9 · Scope of Coverage
All the relevant modules are covered by Disclaimer including:
- Health AI,
- Law AI (Legal),
- Trade Assistant,
- Business Assistant,
- Cybersecurity & Scam Protection,
- Education Assistant,
- Image & Audio Tools.
10 · Availability of Disclaimers (Updated)
- All disclaimers are now actively displayed inside the app and website.
- Users see disclaimers contextually at the time of use (e.g., medical disclaimer when using Health AI).
- Short-form disclaimer text shown in-app:“For informational purposes only. Not a substitute for professional advice.”
Long-form disclaimer is published here and on our Legal/Policies page.
11 · Compliance & Certifications
- Aligned with **GDPR, UK-GDPR, PECA 2025, PDPL (KSA), CCPA/CPRA (US)**.
- Karsaaz EBS Ltd is certified under:
- ISO/IEC 27001:2022 – Information Security Management.
- ISO 9001:2015 – Quality Management System.
- ISO 20000-1 (IT Service Management)
Disclaimers form part of our certified transparency framework.
12 · Dispute Resolution & Governing Law
| User Type | Method | Seat / Court | Law |
|---|---|---|---|
| Business / non-consumer | ICC Arbitration | London, UK | Pakistani substantive law |
| Consumers | Courts of habitual residence | — | Local mandatory law |
**US users:** you waive class or representative actions.
13 · Language & Binding Version
This Disclaimer is issued in **English**. Translations may be provided for convenience only. The English version controls in case of conflict.
14 · Contact & Data Protection Officer
| DPO | [email protected] |
| Legal / Compliance | [email protected] |
| Postal | Karsaaz EBS Ltd, 85 Great Portland Street, First Floor, London, W1W 7LT, UK. |
15 · Final Statement
Karsaaz AI is an AI-generated content platform. You use it at your own risk and hold sole responsibility for resulting actions.