1. Service and scope
CaiGeek is an AI financial assistant for small and medium-sized businesses, supporting everyday financial work, professional analysis and business decisions. You describe questions and goals in natural language; CaiGeek organizes work using available materials, memory and tools. Website examples illustrate ways of working and are neither an exhaustive capability list nor a guarantee of a particular outcome.
2. Accounts and materials
Register with a phone number you lawfully control, protect passwords, verification codes and recovery credentials, and do not impersonate others. Registration currently uses a mainland China mobile number (+86). Acting for a business or processing others’ information requires appropriate authority or another lawful basis.
You retain the rights you lawfully hold in submitted materials and authorize their processing as necessary to provide the agreed service. Do not use the service unlawfully, infringe others’ rights, bypass permissions or interfere with service operation.
3. AI work and important decisions
Work quality depends on data completeness, business facts, applicable conditions and model capabilities. AI output can contain omissions or errors, and analysis or forecasts do not guarantee returns. Verify relevant facts, grounds and conditions when making important business, tax, legal or other decisions, and ensure decisions are made by authorized people.
Platform connections, source access, recurring work and external actions depend on the authorization and instructions you provide. Changing or withdrawing authorization does not undo completed actions; subsequent handling follows their actual status.
4. Teams and sharing
Personal and team plans primarily differ in collaboration. Teams pay under their purchased plan and share usage, while members’ private conversations remain separate. Materials, results and external links are shared within the scope you choose; administrator status does not automatically expose private content.
Future access follows current permissions after a member leaves, permission is revoked or service eligibility ends. Existing shared assets, your own history and independent results follow their respective rights and retention state.
5. Subscriptions, trial and usage
Plus, Pro and Max provide the same AI expertise, with monthly usage and human assistance differing by plan. Both personal and team plans can work with one or multiple companies, without a per-company analysis charge. Prices are in CNY, and the plan, amount and effective information are shown before payment.
New users may take one free trial, starting with their first actual use and lasting seven days, with one personal Plus monthly usage allowance. The trial does not automatically convert to a paid subscription or delete existing results when it ends.
Monthly and annual plans follow the terms confirmed at purchase. Annual plans are paid upfront, with usage allocated monthly and not rolled over. Each CNY 199 extra usage pack equals one personal Plus monthly allowance and is valid for 180 days. Additional team members cost CNY 49 per person per month without adding AI usage. Mid-period upgrades or added seats are prorated; downgrades, seat reductions and billing-cycle changes take effect next period.
6. Payments, renewal and refunds
Payments use available channels and are verified against order status and provider receipts. Recurring charges require your selection of auto-renewal and completion of the relevant authorization. There is no automatic charge without authorization, and insufficient usage does not trigger automatic top-ups or debt.
You can view or cancel enabled renewal arrangements in plan and usage settings. Cancellation stops future charge requests; transactions already accepted still require verification, and paid entitlements remain valid for their term. Changes to plans, prices or permissions do not automatically expand an existing payment authorization.
Request a refund through the order entry or service email. Unused orders are handled after verification; used, expired or settling orders require review of the circumstances. A request or its acceptance does not mean a refund has completed; outcomes and settlement follow verified order and payment-provider records. These terms do not exclude statutory rights. Contact the service email with order details for invoice requests.
7. Support
Contact service@caigeek.com for product, account, order, usage or personal information requests. Max provides financial usage assistance and tax consultation under the purchased benefits. It does not require opening all materials to service staff and does not constitute ongoing bookkeeping, statutory auditing or unlimited financial services.
8. Content rights and information protection
CaiGeek branding, software and website content are protected by applicable intellectual property rights. Using the service does not transfer your rights in submitted materials to us. Use of results must respect third-party rights and applicable law; the service does not guarantee that AI output is exclusive or necessarily qualifies for intellectual property protection.
We process personal information under the privacy policy and business materials according to identity, permissions and task needs. If support or troubleshooting requires further materials, we will explain the scope needed.
9. Changes and termination
We continue to improve the product and may adjust service for maintenance, faults, upstream services or other reasonable causes. Changes affecting purchased entitlements or important conditions will be notified and handled under applicable requirements. Rule updates do not retroactively reduce purchased entitlements.
Unlawful use, serious breaches or actual security risks may require proportionate restrictions, with a contact route provided. Ending service does not remove outstanding payment, refund, personal information handling or other legal obligations.
10. Liability and disputes
Each party bears its responsibilities under applicable law. These terms do not exclude liability that cannot lawfully be excluded or remove our service-security and personal information obligations. Contact our service email to seek resolution of a dispute; unresolved disputes may be brought before a court with lawful jurisdiction.
Contact entity: 财精灵（上海）人工智能科技有限公司. Email: service@caigeek.com.