Terms of Use

These Terms of Use (hereinafter referred to as the "Terms", the "Agreement", or the "Terms of Use") constitute a legally binding agreement between you ("User", "you", or "your") and Caribbean Trend Lab ("Company", "we", "us", or "our"), the operator of the Caribbean Trend Lab platform accessible at caribbeantrendlab.com and all associated subdomains, applications, tools, and services (collectively, the "Platform").

These Terms govern your access to and use of the Platform, including but not limited to: the Intelligence Dashboard, Reports Library, AI Concierge, Island Compare, Visa & Residency tools, Cost of Living Calculator, Real Estate data, and all other tools, features, content, and services made available through the Platform.

By creating an account, purchasing a membership subscription, purchasing or downloading any intelligence report, or otherwise accessing any part of the Platform, you represent and warrant that:

• You are at least eighteen (18) years of age or the age of majority in your jurisdiction, whichever is greater;
• You have the legal capacity and authority to enter into a binding contract;
• You are not prohibited by applicable law from using the Platform; and
• All information you provide to the Platform is accurate, current, and complete.

If you are accessing the Platform on behalf of a legal entity, you further represent that you are authorised to bind that entity to these Terms, and all references to "you" shall refer to both you individually and the entity you represent.

For the purposes of these Terms, the following definitions shall apply:

3.1 Registration and Account Security

Access to certain features of the Platform requires the creation of a User Account. You agree to provide accurate, complete, and current registration information and to promptly update such information as necessary to maintain its accuracy. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to notify the Company immediately at support@caribbeantrendlab.com upon becoming aware of any unauthorised use of your account or any other breach of account security. The Company shall not be liable for any losses arising from your failure to safeguard your account credentials.

3.2 Account Eligibility

The Platform is intended for use by individuals and entities engaged in lawful activities, including but not limited to investment research, relocation planning, citizenship and residency advisory, real estate analysis, and related professional activities. The Company reserves the right to refuse registration to, or terminate the account of, any person or entity at its sole discretion.

3.3 Prohibited Account Activities

You agree that you shall not, under any circumstances:

• Share, transfer, or sublicence your account credentials to any third party;
• Create multiple accounts for the purpose of circumventing access restrictions or subscription requirements;
• Use automated scripts, bots, or other tools to access or interact with the Platform without the Company's prior written consent;
• Impersonate any person or entity or misrepresent your affiliation with any person or entity;
• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations.

4.1 Subscription Plans

The Company offers tiered Membership plans (Explorer, Pro, and Executive) as described on the Platform's Membership page. Each tier provides different levels of access to the Platform's Content, tools, and features. The Company reserves the right to modify, add, or remove features associated with any Membership tier upon reasonable notice to existing subscribers.

4.2 Billing and Payment

Subscription Fees are billed on a recurring monthly basis in advance. All payments are processed securely through Stripe, Inc., the Company's designated payment processor. By providing payment details, you authorise the Company and Stripe to charge your designated payment method for the applicable Subscription Fee on each billing cycle. The Company does not store, have access to, or process raw payment card data.

All Subscription Fees are stated in United States Dollars (USD) and are exclusive of any applicable taxes, duties, or levies, which shall be your sole responsibility.

4.3 Free Trials

Where the Company offers a free trial period, access to the Platform during such trial period is subject to these Terms. At the conclusion of the trial period, your subscription will automatically convert to a paid Membership unless you cancel prior to the trial expiry date.

4.4 Cancellation

You may cancel your Membership subscription at any time through your account settings or by contacting support@caribbeantrendlab.com. Upon cancellation, your Membership access will remain active until the end of the then-current billing period, after which no further charges will be applied. The Company does not offer pro-rated refunds for partial billing periods unless required by applicable law.

4.5 Refund Policy

Subscription Fees: You may request a full refund of your most recent monthly Subscription Fee within fourteen (14) calendar days of initial purchase ("Cooling-Off Period"). Refund requests submitted after the Cooling-Off Period will not be honoured except where required by applicable law.

Intelligence Reports: Due to the digital nature of Intelligence Reports, no refund shall be issued once a Report has been delivered or made available for download, except where the Report is materially defective or materially fails to correspond to its description on the Platform. Refund requests for Intelligence Reports must be submitted to support@caribbeantrendlab.com within seven (7) calendar days of purchase.

4.6 Price Changes

The Company reserves the right to modify Subscription Fees at any time. Where price changes affect existing subscribers, the Company will provide at least thirty (30) calendar days' advance notice by email to the registered account address. Continued use of the Platform following the effective date of a price change constitutes acceptance of the revised fees.

5.1 Ownership

All Content on the Platform, including but not limited to Intelligence Reports, data visualisations, the Intelligence Map, analysis, methodologies, trade names, trademarks, logos, software, code, databases, and any other materials (collectively, the "Company Materials"), are and remain the exclusive intellectual property of the Company or its licensors. Nothing in these Terms shall be construed as transferring any Intellectual Property Rights in the Company Materials to you.

5.2 Licence Grant

Subject to your compliance with these Terms and payment of all applicable fees, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Platform and the Company Materials for your own personal and professional research, analysis, and decision-making purposes only ("Permitted Use").

5.3 Restrictions on Use

The following uses of the Company Materials are strictly prohibited without the prior written consent of the Company:

• Reproducing, republishing, distributing, or transmitting any Intelligence Report or portion thereof, in whole or in part, to any third party;
• Reselling, sublicensing, or commercially exploiting any Content obtained from the Platform;
• Incorporating Platform Content into competing intelligence products, databases, or services;
• Removing, altering, or obscuring any copyright, trademark, or proprietary notices contained in the Company Materials;
• Systematic downloading, scraping, or extraction of data from the Platform by automated means;
• Sharing, posting, or distributing report files on public or private platforms, including document-sharing services, social media, or collaborative tools;
• White-labelling or re-presenting Company Materials as your own work without a valid Executive Membership or separate written agreement.

5.4 Third-Party Data Attribution

Certain Content on the Platform incorporates data sourced from third-party providers. Where such data is included in Intelligence Reports or displayed on the Platform, it is attributed in accordance with the applicable third-party licence terms. Users are responsible for reviewing and complying with any additional restrictions imposed by third-party data providers.

6.1 Nature of AI-Generated Content

The Platform provides access to AI-powered tools including the AI Concierge, AI Island Recommender, Visa Finder, and AI Report Builder (collectively, "AI Tools"). These tools are powered by third-party large language model technology and generate responses based on statistical patterns and available data inputs.

AI-generated content is provided for informational and research purposes only. It does not constitute legal, immigration, tax, financial, investment, or professional advice of any kind. Users should not rely solely on AI-generated output when making decisions of material consequence.

6.2 No Professional Advice

Nothing generated by or displayed through the AI Tools shall be construed as legal advice, immigration advice, tax advice, financial advice, or investment recommendation. The Company is not a law firm, immigration consultancy, tax advisory firm, or regulated financial services provider. Users are strongly advised to seek qualified independent professional advice before making any decisions based on information obtained from or generated by the Platform.

6.3 Accuracy and Limitations

AI-generated responses may contain inaccuracies, outdated information, or errors. The Company does not warrant the accuracy, completeness, or fitness for purpose of any AI-generated output. Numerical figures, statistics, projections, and recommendations generated by AI Tools are indicative only and should be independently verified before reliance.

6.4 Data Processing by AI Provider

Queries submitted to AI Tools may be processed by third-party AI providers including Anthropic, Inc. By using the AI Tools, you acknowledge and accept that your inputs may be transmitted to and processed by such third parties in accordance with their respective privacy and data processing policies. You are advised not to submit personally identifiable information, confidential data, or sensitive financial information through the AI Tools.

In addition to the restrictions set out elsewhere in these Terms, you agree that you shall not use the Platform to:

• Engage in any activity that violates any applicable local, national, or international law or regulation;
• Transmit, upload, or distribute any content that is defamatory, obscene, harassing, threatening, or otherwise objectionable;
• Interfere with, disrupt, or circumvent the security or integrity of the Platform or its underlying infrastructure;
• Conduct penetration testing, vulnerability scanning, or any form of security assessment of the Platform without the Company's prior written authorisation;
• Introduce malicious code, viruses, trojan horses, ransomware, or any other harmful software or materials;
• Harvest or collect personal information of other users without their consent;
• Use the Platform for competitive intelligence purposes intended to replicate or directly compete with the Company's products;
• Frame, mirror, or otherwise embed the Platform's interface or Content within another website or application without authorisation;
• Circumvent or attempt to circumvent any technological protection measures applied to Content on the Platform.

The Company reserves the right to investigate any suspected violation of these provisions and to take such action as it considers appropriate, including immediate suspension or termination of the relevant User Account.

8.1 Nature of Platform Data

The Platform aggregates and presents data sourced from publicly available datasets, licensed third-party providers, official government and central bank publications, and the Company's own research. While the Company endeavours to ensure the accuracy and currency of data presented on the Platform, the nature of the data sources means that information may be subject to revision, delay, or inaccuracy.

8.2 No Warranty

To the maximum extent permitted by applicable law, the Platform and all Content, materials, and tools are provided "as is" and "as available" without warranty of any kind, express or implied. The Company expressly disclaims all warranties, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement;
• Warranties that the Platform will operate uninterrupted, error-free, or secure;
• Warranties as to the accuracy, completeness, timeliness, or reliability of any Content;
• Warranties that defects will be corrected or that the Platform is free of viruses or other harmful components.

8.3 Data Source Disclosure

The Company maintains a Data Methodology page on the Platform identifying the primary data sources used for each data category. Users are encouraged to consult this page and to conduct independent verification of material data points prior to reliance.

9.1 Exclusion of Consequential Loss

To the fullest extent permitted by applicable law, the Company, its directors, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in connection with these Terms or your use of the Platform, including but not limited to:

• Loss of profits, revenue, data, goodwill, or business opportunities;
• Investment losses or financial decisions made in reliance on Platform Content;
• Cost of substitute services or procurement;
• Business interruption or loss arising from relocation decisions;

whether or not the Company has been advised of the possibility of such damages and whether based on contract, tort, strict liability, or otherwise.

9.2 Cap on Liability

To the fullest extent permitted by applicable law, the Company's total aggregate liability to you for all claims arising out of or in connection with your use of the Platform shall not exceed the greater of: (a) the total Subscription Fees paid by you to the Company in the twelve (12) calendar months preceding the event giving rise to the claim; or (b) United States Dollars One Hundred (USD $100.00).

9.3 Essential Basis

You acknowledge that the limitations of liability set out in this Section 9 reflect a fair allocation of risk between the parties and form an essential basis of the bargain between the parties, without which the Company would not have agreed to provide the Platform at the stated prices.

You agree to defend, indemnify, and hold harmless the Company, its affiliates, directors, officers, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgements, awards, losses, costs, expenses, and fees (including reasonable legal fees) arising out of or relating to:

• Your violation of these Terms;
• Your use of the Platform in a manner not authorised by these Terms;
• Your violation of any applicable law, regulation, or third-party right;
• Any content or information submitted by you through the Platform; or
• Any misrepresentation made by you in connection with your use of the Platform.

The Platform may contain links to third-party websites, resources, or services. Such links are provided for convenience only and do not constitute an endorsement by the Company of the content, products, or services of such third parties. The Company has no control over and accepts no responsibility for the content, privacy practices, or availability of third-party sites. Your access to and use of third-party sites is governed by the terms and policies of those sites.

12.1 Platform Changes

The Company reserves the right to modify, suspend, or discontinue any aspect of the Platform at any time, including the availability of any feature, database, or Content, with or without notice. The Company shall not be liable to you for any modification, suspension, or discontinuance of the Platform.

12.2 Amendments to Terms

The Company may amend these Terms at any time by posting the revised Terms on the Platform and updating the "Last Updated" date at the top of this document. Where amendments are material, the Company will provide advance notice to registered users by email. Your continued use of the Platform following the effective date of any amendment constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue use of the Platform and cancel your Membership, if applicable.

The Company reserves the right, in its sole discretion, to suspend or permanently terminate your access to the Platform, with or without notice, for any reason including but not limited to:

• Breach of any provision of these Terms;
• Non-payment of Subscription Fees;
• Conduct that the Company reasonably believes to be harmful to the Platform, other users, or the Company's business interests;
• Request by law enforcement or other government authorities;
• Circumstances where continued access would expose the Company to legal or reputational risk.

Upon termination, all licences granted under these Terms shall immediately cease, and you must discontinue all use of Platform Content, including any downloaded Intelligence Reports, in a manner inconsistent with the Permitted Use.

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Platform shall be resolved first through good-faith negotiation. If the parties are unable to resolve the dispute through negotiation within thirty (30) calendar days, either party may pursue resolution through binding arbitration administered in accordance with the American Arbitration Association (AAA) Commercial Arbitration Rules, or through the courts of competent jurisdiction in the State of Delaware.

14.3 Class Action Waiver

To the extent permitted by applicable law, you waive any right to participate in a class action lawsuit or class-wide arbitration against the Company.

15.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies or agreements incorporated herein by reference, constitute the entire agreement between you and the Company regarding your use of the Platform and supersede all prior and contemporaneous agreements, representations, and understandings.

15.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

15.3 Waiver

The Company's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent. The Company may freely assign its rights and obligations under these Terms, including in connection with a merger, acquisition, or sale of assets.

15.5 Force Majeure

The Company shall not be liable for any failure or delay in performance under these Terms arising from causes beyond its reasonable control, including but not limited to acts of God, governmental actions, natural disasters, pandemic, war, cyberattacks on third-party infrastructure, or failures of internet service providers.

All enquiries regarding these Terms of Use should be directed to:

• Caribbean Trend Lab
• Website: caribbeantrendlab.com
• Legal Enquiries: legal@caribbeantrendlab.com
• Privacy: privacy@caribbeantrendlab.com
• General Support: support@caribbeantrendlab.com