Terms of Service

Agreement to These Terms

By downloading, accessing, or using any website or application published by Cinnamon Publishing LLC ("Cinnamon Publishing," "we," "us," or "our"), you agree to these Terms and to our Privacy Policy. If you do not agree, you must not use the Services.

If you use the Services on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and "you" refers to both you and that organisation.

Individual applications may carry additional or supplemental terms — for example, terms specific to a paid plan or to a regulated feature. Where supplemental terms conflict with these Terms, the supplemental terms control for that application only.

Definitions

• "Services" means cinnamon.mx, our applications (including Ryde, MoiraFinance, and Kaede Chat), and any related software, APIs, content, and support we provide.
• "Account" means the credentialed profile you create to access a Service.
• "User Content" means anything you submit, upload, transmit, or store through the Services, including messages, images, files, and profile information.
• "Third-Party Service" means any product, platform, or provider we do not control, including app stores, payment processors, brokerages, and mapping providers.

Eligibility & Accounts

You must be at least 13 years old to use the Services, and at least 18 years old (or the age of majority where you live) to use any Service that involves payments, financial products, or driving. Some Services impose higher age or verification requirements, which will be disclosed at sign-up.

Your responsibilities

• Provide accurate, current information and keep it up to date.
• Keep your credentials confidential and use a unique password.
• Notify us promptly at admin@cinnamon.mx if you suspect unauthorised access.
• Accept responsibility for all activity that occurs under your Account, except to the extent caused by our failure to meet our own obligations.

We may refuse, limit, or reclaim any username, and we may require identity verification where reasonably necessary to prevent fraud or to comply with law.

Our Applications

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use our applications on devices you own or control, for your own non-commercial use unless a written agreement says otherwise.

Ryde

Ryde is a technology platform that connects riders with independent transportation providers. We are not a transportation carrier and do not provide transportation services. Drivers are independent parties responsible for their own vehicles, licensing, and insurance. Availability, pricing, and estimated arrival times are indicative and may change.

MoiraFinance

MoiraFinance provides portfolio organisation, allocation, and automation tools. It is a software product. It does not hold your assets, execute trades on its own behalf, or act as your broker, bank, or fiduciary unless expressly stated in a separate agreement with the relevant regulated entity. See Section 09.

Kaede Chat

Kaede Chat is a messaging service. You are responsible for the content you send and for complying with applicable law in your jurisdiction, including laws on recording, consent, and interception of communications. Message delivery depends on network conditions and on the availability of the recipient's device, and we do not guarantee that any message will be delivered, retained, or recoverable.

Changes to the Services

We are continuously improving our products. We may add, modify, or discontinue features, and we may discontinue an entire Service. Where a change materially reduces functionality you rely on, we will give reasonable advance notice where practicable, and — for paid Services — a pro-rata refund of any prepaid, unused fees.

Acceptable Use

You agree not to, and not to help anyone else:

• Break the law, infringe anyone's rights, or use the Services to harass, threaten, defraud, stalk, or harm others.
• Upload or transmit unlawful content, including child sexual abuse material, non-consensual intimate imagery, or content that incites violence.
• Send spam, bulk unsolicited messages, or deceptive commercial communications.
• Reverse engineer, decompile, or attempt to extract source code from the Services, except to the extent that restriction is unenforceable under applicable law.
• Probe, scan, or test the vulnerability of our systems without our prior written permission, or circumvent any security, rate limit, or access control.
• Scrape, crawl, or use automated means to access the Services, or use the Services to train a machine learning model, without our prior written permission.
• Interfere with or disrupt the integrity or performance of the Services, or impose unreasonable load on our infrastructure.
• Impersonate any person or entity, or misrepresent your affiliation with us.
• Resell, sublicense, or commercially exploit the Services without authorisation.

If you believe you have found a security vulnerability, we want to hear from you. Please report it to admin@cinnamon.mx and give us a reasonable opportunity to remediate before disclosing it publicly. We will not pursue legal action against good-faith research conducted in line with this request.

Your Content

You own your User Content. We claim no ownership of it. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, transmit, display, and adapt your User Content solely to the extent necessary to operate, secure, and improve the Services and to provide them to you and to the people you share with. This licence ends when you delete the content or your Account, except for content others have retained, content we must keep to comply with law, and residual copies in routine backups.

We do not use the substance of your private communications to build advertising profiles, and we do not sell your User Content.

You represent that you have the rights necessary to submit your User Content and that it does not violate these Terms or any law. We may — but are not obliged to — review, screen, or remove User Content. If we remove content or restrict your Account, we will tell you why unless doing so would be unlawful, would compromise an investigation, or would risk harm to others.

Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free licence to use it without restriction or compensation. We will not treat feedback as confidential, so please do not send us information you want kept secret.

Our Intellectual Property

The Services, including their software, design, text, graphics, and the "Cinnamon Publishing," "Ryde," "MoiraFinance," and "Kaede Chat" names and logos, are owned by Cinnamon Publishing LLC or our licensors and are protected by intellectual property laws. Except for the limited licence in Section 04, these Terms grant you no rights in our intellectual property.

Some components of our Services are provided under open-source licences. Where an open-source licence grants you rights that conflict with these Terms, that licence governs those components. Attribution notices are available on request.

If you believe material on the Services infringes your copyright, send a notice with the details required under applicable law — identification of the work, the material, your contact information, and a good-faith statement — to admin@cinnamon.mx.

Purchases & Subscriptions

Some Services or features are paid. Prices, billing periods, and included features are disclosed at the point of purchase. All fees are stated exclusive of taxes unless indicated otherwise; you are responsible for applicable taxes.

• Auto-renewal. Subscriptions renew automatically at the end of each billing period at the then-current price until cancelled. We will notify you before any price increase takes effect.
• Cancellation. You may cancel at any time. Cancellation takes effect at the end of the current billing period, and you keep access until then.
• Refunds. Except where required by law, payments are non-refundable. We will honour statutory withdrawal and cancellation rights, including those available to consumers in the EEA and UK.
• Trials. Free trials convert to paid subscriptions unless cancelled before the trial ends. We will tell you when the trial ends and what you will be charged.
• App store purchases. If you buy through Apple, Google, or another platform, that platform's payment, refund, and cancellation policies also apply and may override the above.

Failure to pay may result in suspension of paid features. We may correct pricing errors, including after a purchase, by cancelling the affected transaction and issuing a full refund.

Financial Information Is Not Advice

Content in MoiraFinance — including allocations, projections, rebalancing suggestions, and historical performance — is provided for informational and educational purposes only. It is generic in nature and does not take account of your objectives, financial situation, or needs. You should obtain independent professional advice before making any investment decision.

Investing involves risk, including the risk of losing the amount invested. Past performance is not a reliable indicator of future results. Projections are illustrative estimates based on assumptions that may not hold. Market data may be delayed, incomplete, or inaccurate, and is provided by third parties whose terms may apply to your use of it.

Where the Services connect to a regulated third party — a brokerage, custodian, or payment institution — that party is solely responsible for the regulated activity, for holding your assets, and for executing your instructions. Your relationship with them is governed by their agreements with you, not by these Terms.

Third-Party Services

The Services may interoperate with or link to Third-Party Services. We do not control them, we do not endorse them, and we are not responsible for their content, practices, or availability. Your use of a Third-Party Service is governed by its own terms and privacy policy, and we encourage you to read them.

If a Third-Party Service becomes unavailable or changes its terms, features of our Services that depend on it may stop working. That alone is not a breach of these Terms by us.

Privacy

Our handling of personal information is described in our Privacy Policy, which forms part of these Terms. It explains what we collect, why, how long we keep it, and the rights you have over it.

Suspension & Termination

You may stop using the Services and delete your Account at any time from within the relevant application or by emailing admin@cinnamon.mx.

We may suspend or terminate your access if you materially breach these Terms, if your use creates legal risk or risk of harm to others or to the Services, if you have not paid amounts due, or if we are required to do so by law. Except where immediate action is necessary, we will give you notice and, where appropriate, an opportunity to cure.

On termination, your licence to use the Services ends. We will make your User Content available for export for a reasonable period where technically feasible and lawful. Sections 06 (feedback licence), 07, 09, and 13 through 18 survive termination.

Disclaimer of Warranties

Some jurisdictions do not allow the exclusion of implied warranties, so some or all of the above may not apply to you. Nothing in these Terms excludes or limits any non-waivable statutory rights you have as a consumer.

Limitation of Liability

These limits do not apply to liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or to any other liability that cannot be excluded or limited under applicable law. Where a jurisdiction does not permit these limits, they apply only to the extent permitted there.

Indemnification

You agree to indemnify and hold harmless Cinnamon Publishing LLC and its officers, employees, and agents from any claims, damages, losses, liabilities, and reasonable legal fees arising out of your User Content, your use of the Services in breach of these Terms, or your violation of any law or third-party right. We will notify you of any such claim, allow you to control the defence with counsel of your choosing (subject to our reasonable approval), and cooperate at your expense. You may not settle a claim in a way that imposes obligations on us without our written consent. This section does not apply to consumers to the extent prohibited by applicable law.

Governing Law & Disputes

These Terms are governed by the laws of the State of Washington, United States, without regard to its conflict-of-laws rules, except that if you are a consumer resident elsewhere, the mandatory consumer protection laws of your place of residence continue to apply.

Talk to us first

Most disputes can be resolved quickly. Before starting formal proceedings, please contact admin@cinnamon.mx with a description of the issue and the relief you are seeking. We will try in good faith to resolve it within 60 days.

Arbitration

If we cannot resolve a dispute informally, you and we agree that it will be settled by binding individual arbitration administered under the rules of a recognised arbitral body, seated in King County, Washington, rather than in court — except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or prevent unauthorised access.

Class action waiver. Disputes will be brought on an individual basis only. Neither you nor we may bring a claim as a plaintiff or class member in a class, consolidated, or representative action. If this waiver is found unenforceable as to a particular claim, that claim will proceed in court and the rest of this section remains in force.

If you are a consumer in the EEA or UK, this arbitration section does not apply to you and you may bring proceedings in the courts of your place of residence.

Changes to These Terms

We may update these Terms as our Services and the law evolve. When we make material changes, we will update the "Last updated" date above and give you notice — by email, in-app notice, or a prominent notice on this site — at least 30 days before the change takes effect, unless the change is required by law or addresses a security risk, in which case it may take effect sooner.

Continuing to use the Services after a change takes effect means you accept the updated Terms. If you do not accept them, stop using the Services and, for paid Services, contact us for a pro-rata refund of any prepaid, unused fees.

General Provisions

• Entire agreement. These Terms, plus any supplemental terms and our Privacy Policy, are the entire agreement between you and us regarding the Services.
• Severability. If a provision is unenforceable, it will be modified to the minimum extent necessary and the remainder stays in effect.
• No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets, on notice to you.
• Force majeure. Neither party is liable for delays caused by events beyond its reasonable control.
• No third-party beneficiaries. These Terms create no rights for anyone other than you and us.
• Language. The English version of these Terms controls if a translation conflicts with it.

Contact Us

Questions about these Terms are welcome.

Entity

Cinnamon Publishing LLC

Email

admin@cinnamon.mx

Post

1100 Bellevue Way NE, Ste 8A #664
Bellevue, WA 98004
United States