A family of legal-document engines
Institutions speak in leases, denials, bills, notices, contracts and filings. Cairn is a family of grounded AI engines that turn that paperwork into plain language and clear next steps — read from your document, never invented, never prescribed.
A cairn is the stack of stones that marks a mountain trail. It shows you the way — it never carries you.
The asymmetry
That gap — between the party who drafted the page and the person who has to answer it — is where power quietly moves. Cairn closes it. Each engine reads the exact document in front of you and gives back what it actually says, what works against you, the options you can choose among, the cost of doing nothing, and the point where you should get a real human.
The governing idea: intelligence flows toward the weaker party.
Overwhelming, made manageable
The dense, intimidating page shrinks to a few clear steps you can actually hold — the deadline, the clause, the number, the option — each cited to the words on your own page, and laid down like stones you can step across.
The engines
Plainsight is live today; the rest are opening, engine by engine. Each is built to read a specific kind of document and answer it honestly — never predicting your outcome, never telling you what to choose.
Translate the documents institutions send you.
Leases, insurance denials, medical bills, contracts, debt notices, even legislation — into plain language: what it says, what works against you, your options, the cost of doing nothing, and when to get a human. Free, always. There's an optional beta reply drafter that helps you write a letter you own and send yourself.
Got charged something unfair? Fight it.
After you're served, billed or cited, Recourse decodes the notice into plain language and lays out the responses you can choose among — without ever telling you which to pick or predicting how it comes out. Free to decode; a flat $25 action packet adds a state-specific plan and a ready-to-send letter.
Finally know what's covered — and what it'll cost.
The rare care navigator that reads an aging parent's Medicare and Medicaid paperwork into one shared family view — Summary Notices, denials, eligibility and redetermination, appeal rights and the deadlines printed on the notice — plus a medication-safety pass. It knows the door; it never claims the key.
You served. Now make the paperwork serve you.
Decodes VA rating decisions, C&P exam notices, decision-review options and debt letters — with every claim cited to a short quote in your own letter, and a deadline shown only if it's actually printed. Free accredited-help referral on every result. The honest, flat-fee alternative to claim sharks.
That IRS letter has a number in the corner. We know what it means.
Decodes IRS and state tax notices into calm, plain language — leading with the notice code, putting the printed deadline front and center, and flagging the scam patterns that prey on the panic. Free to decode; an optional $25 response pack organizes your paperwork. Calm is the product.
Read it before you sign it.
The BEFORE engine — reviews a lease, job offer, severance, loan or services contract while you still have leverage: the sign-blockers, what's negotiable, what's market, and the walk-away flags. Free read for everyone; a flat $25 package adds redline language and a negotiation email written in your own voice.
The district has a team. Now you have one too.
Reads special-education paperwork — IEPs, evaluation reports, Prior Written Notices, 504 plans, refusal letters — against the rights printed in IDEA and Section 504, for parents facing a district that brought its lawyers. A flat $25 Meeting Prep Pack turns the analysis into an agenda, the exact words to use, and a put-it-in-writing email.
Entiende cada carta. Understand every letter.
Fully bilingual (English/Spanish) decoder for USCIS and immigration-court notices — the steadiest, most careful engine in the family, because the stakes are the highest. It never assesses eligibility or strategy; every result ends with real, safe help: accredited representatives, pro bono lists, and a warning about notario fraud. Free for individuals, always.
Your student-loan servicer's letters, in plain language.
Decodes federal student-loan servicer notices — IDR recertification deadlines, PSLF payment counts and denials, servicer transfers, delinquency and default letters — and is honest about the one thing everyone else glosses over: this area of law is in open litigation, and every analysis names the current legal uncertainty around your notice type.
Debt collectors have rules. Hold them to it.
Self-help engine for consumer debt disputes — validation requests, credit-report disputes and billing-error letters grounded in the rights printed in the FDCPA, FCRA and FCBA, drafted for you to review, own and send yourself.
Your county says your house is worth more. Make them prove it.
Turns a property-tax assessment notice into an honest, deterministic answer to one question: is an appeal worth it? Often the honest answer is no — and it says so, for free. When it is worth it, a flat $25 package assembles the comparables, the deadline and the appeal paperwork.
You may be paying too much in property tax.
A free over-assessment check on your parcel's own data, then a flat $39 ready-to-file appeal packet — the form, the plan, the deadlines, the drafted letter. Self-help, never representation, and never a percentage of your savings.
The clear line through a lifetime of care.
A calm navigator for families supporting a person with a disability — and for self-advocates themselves. SSI and SSDI letters, the age-18 redetermination, Medicaid waiver notices, IEPs, ABLE statements and guardianship papers, explained without ever adjudicating; a wrong move can interrupt benefits, so it always names the office to confirm with first.
The calm center, after.
For the executor or surviving spouse handling everything after a death — death certificates, wills, court and insurer notices, statements and benefit letters, decoded into what each one is, what it's asking, and which office decides. The shared family workspace is free, with no member cap.
Every clause, in your favor.
A specialist's read on the documents you sign before you sign them — purchase agreements, term sheets, equity grants, loans, prenups, settlements. The verdict, a 0–100 risk score, the traps quoted in the exact words on your page, whether each term is market or is being done to you, and the words to send back. An analyst, not a law firm.
You can't afford a GC. They know it. Now it doesn't matter.
Reads your business's own contracts and explains them, grounded strictly in the document — ranked findings with verbatim citations, a personal-guarantee detector that catches what a model would miss, a verified numbers table, and a deadline calendar you can export. Built for the tens of millions of U.S. small businesses with no general counsel.
The round closed. The clock didn't.
Turns a Reg CF or Reg A+ raise into an exact, rule-cited filing calendar — computing each due date the way EDGAR does, rolling weekends and federal holidays forward, tracking your rolling raise cap and per-investor limits, and preparing each filing packet for you to review. Deterministic rules-as-data; every date traces to a citation. We prepare; you file.
Does the EU AI Act apply to you? Find out, for free.
A guided applicability decoder for the EU AI Act — a question tree where every branch traces to the primary text of the regulation. A decoder, not an advisor: it tells you which provisions are in play and where they say it, never what your compliance strategy should be.
Does their certificate match what your contract requires?
Extracts the insurance coverage your contract requires and compares it against the ACORD certificate the counterparty actually sent — limits, endorsements, gaps — so the mismatch surfaces before the loss does, not after.
Every requirement in the RFP, in one grounded matrix.
Reads a grant solicitation or RFP and extracts a requirements matrix where every row cites the page it came from — and anything the document doesn't state shows up as an honest placeholder, never a guess.
Court-ready estate schedules, jurisdiction by jurisdiction.
The professional companion to Afterward — assembles court-ready estate inventories and probate schedules with the formatting and content rules of all 51 U.S. jurisdictions carried as cited data, and every unverified rule flagged as exactly that.
The same rules-as-data spine, pointed at the paperwork businesses owe institutions — each with a human review gate before anything real happens. All seven are in development.
Wage-garnishment orders, processed for payroll teams.
Unclaimed-property (escheatment) compliance for controllers.
Certified-payroll & prevailing-wage compliance.
HOA & condo compliance against docs and state statute.
FTC Franchise Rule & state registration renewals, tracked.
The 45/180-day like-kind-exchange clock, kept exactly.
What can be built on a parcel — zoning code as data.
How it fits together
Every engine is a doorway into the same machine. Wherever a document finds you — before you sign, the day it lands, or years into a fight — there's an engine at that door, and it hands you to the next one when your moment changes.
One person, one document, three moments — and an engine built for each. Leverage is highest before the signature, so the family starts there and stays with you all the way through the dispute.
Families don't meet these documents once — they meet them for decades. Each engine hands off to the next at the moment life changes: the age-18 redetermination, the first Medicare denial, the estate. Same doctrine, same calm, the whole way.
Underneath every engine, the law itself is data — cited, versioned, dated — served from Pandect, the family's shared rules registry. A rule verified once is verified for every engine that cites it, and when the law changes, the change flows to all of them at once. The model is never the source of a rule. On top sits Nexus, the professional layer that turns attested rules into computed deadlines and amounts — for licensed buyers only.
The Benefit Channel delivers the family as an employee and member benefit — through employers, credit unions and unions — so the person holding the document often pays nothing at all. Crossing is free to every individual because organizations sponsor it. And Marque's premium revenue helps keep Plainsight free for everyone. Money moves through the family so intelligence can flow toward the weaker party.
“We read your document — not a template of it. Every answer points back to the words on your own page.”
The doctrine
Anyone can write principles into a footer. Every Cairn engine is built so these promises are enforced by the software itself — anything it can't stand behind is caught before it reaches you.
Every finding is cited to your own document or a versioned rule. Nothing is invented — no dollar amount, date or citation that isn't on your page. A grounding guard strips anything it can't source and discloses the removal.
We lay out your options and how to weigh them. We never tell you which to pick, and never predict how your case comes out. Offer the choice, never prescribe the action. Not a law firm.
Money may change who can do more with the tool. It never changes what the tool tells you — or how hard it thinks about your document. The free reading is the same reading everyone gets.
Documents are read to answer your question, not to train a model. Honesty is written into the schema — the limits, the "not legal advice," the "who to confirm with" are required fields, not optional afterthoughts.
One shared spine
Every engine is a lens on one architecture — so the model is never the source of a rule, and a fix to the core lifts the whole family at once.
Cited, versioned, jurisdiction-aware legal rules delivered as a service. The research layer legal-adjacent AI keeps getting wrong — here it's data with a source and a date, not something the model made up.
pandectai.com ↗The decisioning engine the compliance products run on: intake → assist → gate → engine → guard → audit. The grounding and posture guards live here, so the doctrine is one codebase, applied everywhere.
The computable layer, in development — it compiles attested rules into actual computed deadlines and amounts, with courtroom-grade provenance, for licensed professionals. Consumers get the citation; a credentialed buyer gets the number.
Plainsight is live and free right now — paste a lease, a denial, a bill or a notice and read it in plain language. The rest of the family is opening, engine by engine.