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Legal

Terms of Service

The terms that apply when you use the Capital Toolkit website, operated by YBAWS! Inc..

Draft, pending final legal review. The terms below describe how the site works today and the limits of what we do. They will be reviewed and amended by Canadian counsel prior to public launch. Engaged clients receive a separate, signed engagement letter that supersedes anything below for the scope of that engagement.

Effective Date: May 1, 2026. Last Updated: July 1, 2026.

By accessing or using capitaltoolkit.comor our services (the “Site” or “Services”), you agree to these Terms. If you do not agree, do not use the Site.

1. About us and scope

YBAWS! Inc.(“Capital Toolkit,” “we,” “us”) provides a platform to help businesses organize financial information and prepare financing applications. We are not a lender, broker, or provider of professional accounting or legal advice. A binding professional relationship exists only upon signing a separate engagement letter.

2. No guarantees

  • We do not guarantee loan approval, terms, amounts, or timelines. Lender decisions are theirs alone.
  • All content is for general information and educational purposes only.
  • You are responsible for the accuracy and completeness of all information you provide.

3. User obligations

You agree to:

  • Provide true, accurate, and current information.
  • Update material changes promptly.
  • Use the Site only for lawful purposes and not for fraud or misrepresentation.
  • Maintain confidentiality of your account credentials.

We do not perform KYC/AML verification. That responsibility rests with the lender and any engaged professionals.

4. Intellectual property and ownership of data

All Site content is owned by us or our licensors. Limited personal or business use is allowed; commercial republication requires permission.

You own your inputs and deliverables.You retain ownership of the financial records, documents, datasets, and other information you submit (“Client Inputs”) and of the finished reports and outputs we issue to you (“Deliverables”). You grant YBAWS! Inc. a worldwide, non-exclusive, royalty-free licence to host, process, and analyze Client Inputs as necessary to operate the platform, provide the Deliverables, and create de-identified and aggregated data.

We own the methodology.The platform and the methodology that powers it — the questions and their structure, sequencing, and contextual relationships; the module workflows; and the models, scoring logic, software, working papers, and intermediate calculations (“Working Materials”) — remain the exclusive, proprietary property of YBAWS! Inc.. Using the platform grants you no ownership interest in them.

Use of data; no sale. We use Client Inputs to operate the platform and produce your Deliverables, and use de-identified and aggregated data to maintain and improve the methodology and models. We do not sell or rent identifiable client data to any third party for their own commercial purposes, and we will not do so.

5. Privacy

Your privacy is governed by our Privacy Policy, which is incorporated by reference. By using the Site, you consent to the collection, use, and sharing of information as described there.

6. Fees and engagements

Fees and scope are set out in a separate signed engagement letter (which supersedes these Terms for the engagement). Published prices are indicative only.

7. Acceptable use and prohibitions

You will not scrape, hack, or disrupt the Site; submit false information; or use the Site to violate laws.

8. Limitation of liability and disclaimers

To the maximum extent permitted by law:

  • The Site is provided “as is” without warranties.
  • We are not liable for indirect, consequential, or punitive damages.
  • For engaged clients, our liability is limited to the fees paid for the specific engagement (except where law prohibits).

9. Termination

We may suspend or terminate access for violations. You may stop using the Site anytime.

10. Governing law

These Terms are governed by the laws of the Province of Ontario and applicable federal laws of Canada. Disputes shall be resolved exclusively in the courts of Ontario.

11. Changes

We may update these Terms. Continued use after changes constitutes acceptance.

12. Contact

hello@capitaltoolkit.com