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The rules for using the portal, and the limits on what we owe you if something goes wrong.
Version 2026-09-02.1Updated 2 September 2026
Cardinal is operated by FourWinds Digital, a business operating in Ireland. FourWinds Digital Limited is in the process of being incorporated. Until that is complete and the company has adopted this agreement, your contract is with Oscar Cobbe personally, trading as FourWinds Digital, and we will tell you in writing when it transfers to the company.
We say that plainly because the alternative is worse. A contract signed on behalf of a company that does not yet exist binds the people who signed it, under section 45 of the Companies Act 2014, until the company ratifies it after registration. Pretending otherwise would leave you unsure who you had actually contracted with.
In these terms, "we" and "us" mean FourWinds Digital as described above, and "you" means the organisation whose staff hold portal accounts.
Accounts are for named individuals and must not be shared. You are responsible for keeping credentials secure and for telling us promptly when someone leaves your organisation so we can revoke their access.
You agree not to use the portal to break the law, infringe rights, or process data you are not permitted to process. Do not put credentials, payment card data, or special-category personal data into AI tools.
Fees are as set out in your engagement documentation, exclusive of VAT. Invoices are payable within the terms stated on them. We may suspend services on materially overdue accounts, having given notice first.
Where you buy an Operations Audit, half of the fee you paid for it is credited against qualifying work that follows. This section sets out exactly what qualifies, because a credit you have to argue about later is worse than no credit at all.
The amount. Fifty per cent of the audit fee actually paid, excluding VAT, up to a maximum credit of 1,500 euro.
The window. The follow-on work must be ordered within 90 days of the date we deliver the audit findings. Ordered means a signed order, an accepted proposal or a first payment, whichever is earliest.
What qualifies. Any work we provide, whether or not the audit recommended it, and whether or not it involves our own software. It must meet one of the following:
How it is applied. Against one-off work, the credit is deducted from the first invoice. Against recurring work, it is spread evenly across the first six months rather than applied at once.
Where recurring work ends early. If you cancel recurring work inside the first six months for any reason other than our material breach, the unapplied balance of the credit simply stops. Credit already applied to invoices already issued is not clawed back.
What does not qualify. Third-party costs we pass through at cost, including advertising spend and software licences you hold with a vendor directly. Renewals of work you were already buying before the audit. A second audit.
Other limits. One credit per audit. The credit cannot be exchanged for money, cannot be transferred to another organisation, and cannot be combined with another discount on the same work unless we agree in writing. Where an audit is refunded, any credit already applied becomes payable.
If you do not proceed. The audit fee stands in full and the findings are yours to keep and to act on however you wish, including with somebody else. We do not ask for the document back and we place no restriction on your use of it.
We provide services with reasonable skill and care. We do not promise a specific commercial result: an audit that concludes you should spend less than you expected is a successful audit.
AI-generated output is a draft. You remain responsible for reviewing and verifying anything you act on, publish or send.
Where your engagement documentation states a response time, that is the commitment. In the absence of one, we aim to respond to anything raised through the portal by the end of the next working day, and to tell you the same day where something will take longer.
Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited.
Subject to that, our total liability arising out of or in connection with the services is capped at the fees you paid us in the twelve months before the event giving rise to the claim. We are not liable for loss of profit, loss of business, loss of anticipated savings, or for any indirect or consequential loss.
We process personal data as described in the privacy notice. Where we process personal data on your behalf, the data processing agreement applies and takes precedence over these terms on that subject.
Either party may terminate in line with the notice period in your engagement documentation. On termination we will help you export your data and hand over documentation for anything we built.
These terms are governed by the laws of Ireland, and the courts of Ireland have exclusive jurisdiction.