UNIFIED GLOBAL LEGAL PAGE
Effective Date: November 28 2025
Last Updated: January 26 2026
Entity: Ravenford Capital, Toronto, Ontario
This Unified Global Legal Page (“Legal Page”, “Agreement”, “Policy”) governs the use of all digital applications, subscription services, websites, and online properties operated by Ravenford Capital including PeakAI (https://peakaiapp.com) (“Ravenford Capital”, “Company”, “we”, “us”, “our”). By accessing or using any of our Services, you acknowledge, accept, and agree to be legally bound by this Agreement.
This Legal Page contains:
- Privacy Policy
- Cookie & Tracking Policy
- Direct Marketing & Advertising Policy
- Terms of Service
- Subscription, Billing & Payment Terms
- Refund & Chargeback Policy
- Age, Eligibility & User Obligations
- International Data Transfers
- Disclaimers, Limitation of Liability & Indemnification
- Governing Law & Dispute Resolution
- Contact & Regulatory Escalation
1. PRIVACY POLICY
1.1 Overview
This Privacy Policy explains how we collect, use, disclose, store, and protect personal information of users located in Canada, the United States, the European Union, the United Kingdom, Brazil, and other global jurisdictions.We comply with major global privacy frameworks including PIPEDA, GDPR, UK GDPR, CCPA/CPRA, LGPD, PDPA (Singapore & Thailand), Australian Privacy Principles, CAN-SPAM, and CASL. Where conflicts exist, we apply the higher standard applicable to the user’s jurisdiction.
1.2 Personal Information We Collect
We may collect:
- Identity Information: name, email address, credentials
- Contact Information: billing address, IP region
- Payment Information: processed exclusively through Stripe, Square, and PayPal
- Device, Technical, Diagnostic Information
- Usage & Interaction Data
- Marketing & Advertising Engagement Data (subject to opt-out)
We do not collect or process sensitive personal information unless legally required.
1.3 Purposes of Use
We process data for:
- Account creation and authentication
- Subscription management
- Providing access to purchased digital services
- Payment verification and fraud prevention
- Internal analytics and service improvement
- Advertising and marketing (opt-out available)
- Compliance with legal obligations
1.4 Payment Processing
Payments are processed exclusively by third-party PCI-DSS compliant providers: Stripe, Square, and PayPal. We do not store credit card numbers or banking information.
1.5 Data Sharing
We may share data with:
- Payment processors
- Hosting, analytics, and advertising platforms
- Legal authorities where required
- Subprocessors performing technical services
We do not sell personal information.
1.6 Retention
Data is retained only as long as necessary for contractual, legal, financial, and operational obligations.
1.7 User Rights
Depending on jurisdiction, users may request:
- Access
- Correction
- Deletion
- Objection
- Withdrawal of consent
- Restriction
- Data portability
Requests require proof of identity.
2. COOKIE & TRACKING POLICY
2.1 Use of Cookies
We use cookies, device identifiers, and tracking technologies for:
- Authentication
- Session management
- Analytics
- Advertising & remarketing
2.2 Consent Requirements
Where required (EU/UK/APAC), we use a cookie consent banner. Users may refuse or withdraw consent at any time.
2.3 Advertising Tracking
We may use:
- Meta Pixel
- Google Ads Remarketing
- Analytics measurement tools
No direct identifiers are sold or transferred.
3. DIRECT MARKETING & ADVERTISING POLICY
3.1 Marketing Communications
By creating an account, users may receive service announcements and limited marketing communications. Marketing to EU/UK/APAC users is consent-based.
3.2 Opt-Out
Users may opt-out at any time by:
- Click unsubscribe in emails
- Contacting us directly at the email below
3.3 Social Media Advertising
We use advertising tools in compliance with:
- Meta Business Data Policy
- Google Ads Policies
- Platform-specific regional requirements
We do not disclose personal data beyond what is technically required for compliant ad delivery.
4. TERMS OF SERVICE
4.1 Acceptance
Use of any Service constitutes binding acceptance of this Agreement.
4.2 Account Responsibility
Users must:
- Be at least 18 years old
- Provide accurate information
- Maintain security of login credentials
- Not share accounts
4.3 License
Users receive a non-exclusive, revocable, non-transferable license to access the digital services subscribed to. No ownership rights are transferred.
4.4 Prohibited Use
Users may not:
- Reverse engineer
- Copy, replicate, or resell access
- Circumvent payment systems
- Engage in unlawful activities
- Modify or interfere with systems
5. SUBSCRIPTION, BILLING & PAYMENT TERMS
5.1 Subscription Types
Subscriptions renew automatically unless cancelled. Plans available:
- Monthly
- Annual
5.2 Payment Confirmation
Service access activates only after payment gateway confirmation.
5.3 Automatic Renewal
Subscriptions renew at the end of each billing cycle unless cancelled prior to renewal.
5.4 Price Changes
We may adjust prices with prior notice where required by law.
6. REFUND & CHARGEBACK POLICY
6.1 Strict No-Refund Policy
All purchases are final.
No refunds are provided under any circumstance.
6.2 Chargebacks
Unauthorized chargebacks will result in:
- Immediate account suspension
- Debt recovery processes
- Submission of evidence to payment processors
6.3 Consumer Protection Exceptions
Where local law mandates refunds (rare for digital goods), we will comply.
7. AGE, ELIGIBILITY & USER OBLIGATIONS
7.1 Age Requirement
Users must be 18 years or older.
We do not knowingly collect information from minors.
7.2 Compliance Obligations
Users agree to comply with all applicable laws and platform rules.
8. INTERNATIONAL DATA TRANSFERS
Where personal information is transferred outside the user’s jurisdiction, we rely on:
- Adequacy decisions
- Standard Contractual Clauses (SCCs)
- Contractual and technical safeguards
9. DISCLAIMERS, LIMITATION OF LIABILITY & INDEMNIFICATION
(Strong Protective Section)
9.1 Disclaimer of Warranties
Services are provided “as is” and “as available”, without warranties of any kind, including implied warranties of merchantability, non-infringement, or fitness for a particular purpose.
9.2 Limitation of Liability
To the maximum extent permitted by law, Ravenford Capital shall not be liable for:
- Loss of revenue, profits, or data
- Business interruption
- Indirect, incidental, or consequential damages
- Losses arising from third-party platforms, downtime, or payment processor issues
Maximum liability shall not exceed the amount paid by the user in the preceding 12 months.
9.3 Indemnification
Users agree to indemnify and hold harmless Ravenford Capital from any claims, liabilities, damages, losses, or expenses arising out of their:
- Misuse of Services
- Breach of this Agreement
- Violation of law
10. GOVERNING LAW & DISPUTE RESOLUTION
10.1 Governing Law
This Agreement is governed exclusively by the laws of Ontario, Canada, without regard to conflict-of-law principles.
10.2 Dispute Resolution
All disputes shall first be attempted through good-faith negotiation.
If not resolved, disputes will be handled in the courts of Ontario, which have exclusive jurisdiction.
11. CONTACT & REGULATORY ESCALATION
For privacy or legal inquiries:
Ravenford Capital
Toronto, Ontario
Email: abhayababbar@ravenford.ca
GDPR users may contact their local Data Protection Authority. Canadian users may escalate to the Office of the Privacy Commissioner of Canada (OPC). U.S. users may escalate to their respective state Attorney General. Brazilian users may escalate to ANPD.
Disclaimer: PeakAI Platform is 'Platform As A Service' developed by Ravenford Capital for User Information Purposes Only. All trade and investment decisions are sole responsibility of users and PeakAI and Ravenford Capital have no obligation in these decisions made by users of the platform. PeakAI and Ravenford Capital are indemnified against any liabilities created by User through their trade and investment activities. This platform is for information purpose only and should be used as a productivity tool.
Note: PeakAI LLM models can make mistakes which are owned and operated by third party technology vendors. User discretion at all times is advised.