These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Guardian AI for Innovation & Artificial Intelligence Research & Consultancies L.L.C. ("Company", "we", "us", or "our") governing your access to and use of the Guardian AI mobile application (the "App"), including all features, content, and services provided through the App.

By downloading, installing, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Notice. If you do not agree to these Terms, you must not access or use the App.

2.1 Age and License Requirements

You must:

• Be at least 18 years of age
• Hold a valid driver's license issued by a recognized authority
• Be legally permitted to operate a motor vehicle in your jurisdiction
• Have the legal capacity to enter into binding contracts under UAE law

2.2 Account Registration

• You must provide accurate, current, and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You must immediately notify us of any unauthorized access or security breach
• You may not transfer or share your account with any third party
• We reserve the right to suspend or terminate accounts that violate these Terms

Guardian AI is a telematics-based driving analytics and coaching platform that:

• Collects real-time driving data including GPS location, speed, acceleration, braking, and vehicle telemetry
• Analyzes driving patterns using artificial intelligence and machine learning algorithms
• Generates driving safety scores and personalized coaching recommendations
• Detects safety events such as harsh braking, rapid acceleration, and potential collisions
• Provides navigation and route guidance services
• May share anonymized or aggregated data with insurance partners (with your consent)

4.1 Telematics Data Collection

By using the App, you explicitly consent to our collection and processing of:

• Location Data: Continuous GPS coordinates, route history, and geographic patterns
• Motion Data: Accelerometer, gyroscope, and magnetometer readings
• Vehicle Data: Speed, direction, braking, acceleration, and other telemetry
• Device Data: Phone model, operating system, unique identifiers

4.2 Background Data Collection

The App collects location and motion data continuously while driving, including when the App is running in the background. You will receive just-in-time notifications requesting permission for location services, motion & fitness activity, and background app refresh.

You may revoke these permissions at any time through your device settings, though this may limit or disable core App functionality.

The App uses automated processing to generate:

• Safety Scores: Numerical ratings based on driving behavior patterns
• Risk Assessments: Predictions about future driving incidents
• Coaching Recommendations: Personalized feedback and improvement suggestions
• Insurance Eligibility: Preliminary assessments for partner insurance programs

In accordance with UAE PDPL Article 18, you have the right to request human review of automated decisions that significantly affect you.

19.1 Program Overview

Guardian AI operates a voluntary rewards program that allows eligible users to earn points based on driving performance and redeem those points for benefits:

• Monthly Rewards: Earn vouchers for up to 25% of your monthly insurance premium based on accumulated safety points
• Road Captain Competition: Monthly competition where the safest driver receives 100% monthly insurance premium cashback
• Points System: Earn points on each trip based on smooth acceleration, controlled braking, speed compliance, and safe cornering

19.2 How It Works

• Points are calculated automatically after each trip and displayed in the Rewards tab
• Monthly vouchers are generated automatically and valid for 12 months
• Redemption is manual - you initiate payout requests through the app
• Payouts are processed within 7 business days with email confirmation
• Road Captain winner is determined by highest combined safety score and points each month

19.3 Important Program Terms

• Participation requires active Guardian AI account and eligible insurance policy
• Anti-fraud measures are enforced - GPS manipulation and gaming are prohibited
• Program terms may be modified with 30 days' notice
• You are responsible for any tax obligations on rewards received
• Disputes must be submitted within 30 days via app or email

For complete details on eligibility, points calculation, redemption process, anti-fraud measures, and program limitations, please download the full Terms of Use PDF below.