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Legal

Refund & Cancellation Policy

How cancellations and refunds work across our subscriptions and one-time services.

Draft, pending final legal review. This policy describes how cancellations and refunds work today. It will be reviewed and amended by Canadian counsel prior to public launch. Engaged clients receive a separate, signed engagement letter; where it conflicts with this page, the engagement letter governs that engagement.

Effective Date: June 9, 2026.

This policy explains your cancellation and refund rights for the two kinds of purchase on Capital Toolkit: monthly module subscriptions and one-time application services. To request a cancellation or refund, email hello@capitaltoolkit.com.

1. Module subscriptions (monthly)

  • Subscriptions (e.g. The Books, Financial Statements, FP&A, Valuation) are month-to-month and you can cancel at any time from the billing portal or by emailing us.
  • When you cancel, your access continues until the end of the current paid period; it does not renew after that. We do not charge a cancellation fee.
  • Monthly fees already charged are not pro-rated or refunded for the remainder of the period — you keep access for the time you paid for.
  • Eligible plans include a 14-day free trial before the first charge. Cancel during the trial and you are never billed.

2. One-time application services

CSBFP application packages (DIY, Collaboration, White Glove) and Alternative Funding Options engagements are one-time fees for work we perform on your file.

  • Before preparation work begins: you may cancel for a full refund.
  • Once preparation work has begun: the fee is non-refundable, because the service — organizing your file and preparing your application — has been delivered. Where only part of the work has been done, we may at our discretion refund a reasonable portion.
  • White Glove success fee: the 3% success fee is contingent and is only invoiced after your financing is funded. If funding does not close, no success fee is charged, so there is nothing to refund.
  • Lender, government, and registration fees are charged by those third parties, not by Capital Toolkit, and are governed by their own terms.

3. How to request a refund or cancellation

Email hello@capitaltoolkit.com from the address on your account. We aim to respond within one business day. Approved refunds are returned to your original payment method; banks typically take 5–10 business days to post them.

4. Chargebacks

If you believe you were charged in error, please contact us first — we can almost always resolve it faster than a bank dispute. Filing a chargeback without contacting us may result in suspension of access while the dispute is investigated.

5. Changes to this policy

We may update this policy; the effective date above reflects the latest version. Material changes will be posted here before they take effect.