A more thorough explanation:

AD CULPAM

Ad culpam is a Latin term used in law that means "until misconduct." It refers to a situation where a person is not held responsible for their actions until they have acted negligently or committed a wrongful act.

For example, if a doctor makes a mistake during surgery that results in harm to the patient, they may not be held liable if they can prove that they acted with reasonable care and skill. However, if it is found that the doctor acted negligently or recklessly, they may be held responsible for the harm caused to the patient.

Another example is in a contract where one party may not be held responsible for a breach of contract if they can prove that the breach was caused by circumstances beyond their control. However, if the breach was caused by their own negligence or misconduct, they may be held liable.

The examples illustrate the concept of ad culpam by showing that a person or party may not be held responsible for their actions until they have acted negligently or committed a wrongful act. It emphasizes the importance of acting with reasonable care and skill to avoid liability for any harm caused to others.