CapXio — Terms of Service
These Terms govern your access to and use of CapXio, operated by 1290110 B.C. Ltd., operating as CapXio, a British Columbia company.
By creating an account or using CapXio, you agree to these Terms.
1. What CapXio provides
CapXio is an online marketplace for businesses seeking business-purpose financing (“Borrowers”) and commercial-finance professionals (“Brokers”). Borrowers post financing requests, and Brokers discover relevant requests and connect with Borrowers.
CapXio currently serves British Columbia and Ontario. It is not intended for consumer or personal borrowing.
CapXio provides introductions and marketplace tools. We do not lend money, arrange or broker financing, hold client funds, or receive a share of loan proceeds. We do not provide financial, investment, legal or tax advice.
Any financing, brokerage or advisory relationship is between the participating users and takes place independently of CapXio. We do not guarantee a financing offer, approval, rate, term or outcome.
2. Eligibility and accounts
You must be of the age of majority where you live and legally capable of entering into these Terms.
If you act for a business, you must have authority to represent it and provide its information. Your account identifies you as its registered operator. Do not share sign-in codes or allow another person to use your account.
Provide accurate information and keep it current. Brokers must hold any licence or registration required for their activities and must not misrepresent their qualifications.
Sign-in uses one-time codes sent by email. Keep your email account secure, and report suspected unauthorized access to support@capxio.com.
3. Listings and matching
Borrowers are responsible for the accuracy, lawfulness and business purpose of their listings. Do not include unnecessary personal information, account credentials, payment-card information or confidential documents in a listing.
We withhold specified identity and contact fields before a connection. However, details you include in a title or description may allow someone to identify your business.
Listing duration, posting limits and other applicable limits are shown in the platform. Listings may expire, be withdrawn or require review before publication or republication.
Matching and fit indicators help users discover potentially relevant opportunities. They are not endorsements, financing recommendations or guarantees of suitability.
4. Connections and contact information
When a Broker connects with a listing, CapXio discloses the Borrower’s business name, contact name, email address and phone number to that Broker and notifies the Borrower.
By publishing a listing, you authorize that disclosure for the purpose of discussing the financing request, as explained at publication and in our Privacy Policy.
Brokers may use disclosed information only for the relevant financing discussion and related dealings authorized by the Borrower. Do not sell it, add it to unrelated marketing lists, or disclose it unnecessarily.
Declining or blocking a connection affects that connection only.
Users remain responsible for complying with applicable privacy, anti-spam and professional obligations.
Closing a connection or account can stop further access through CapXio. It cannot recall information another user has already received or saved.
5. Fees, subscriptions and introductory offers
Borrowers do not pay platform fees to post financing requests.
Broker access may be offered through introductory arrangements or paid subscriptions. Before you agree to a paid arrangement, we will disclose the applicable price, currency, taxes, billing frequency, connection allowance, renewal terms and cancellation method.
An introductory offer does not authorize an undisclosed charge. Any transition to paid access will follow the terms presented to you and the authorization required for that arrangement.
Where recurring billing is offered, the purchase terms will explain when renewal occurs and how to stop future renewals. Connection allowances, expiry and carryover are governed by the plan terms shown when you subscribe.
A connection does not guarantee a response, financing or a successful transaction. Lack of a financing outcome does not by itself entitle you to a refund. Report duplicate charges, failed disclosures or other service errors to support@capxio.com for investigation.
Nothing in these Terms limits a refund or other remedy required by applicable law.
6. Broker verification
Where CapXio displays a verification status, it reflects the particular check described by the platform and the information available when that check was performed.
A verification status is not an endorsement, a guarantee of continuing licensure, or confirmation that a Broker is authorized for every financing activity or jurisdiction.
Brokers must maintain any required qualifications and notify us of material changes. Borrowers should independently confirm a Broker’s current qualifications before entering into a relationship.
False or misleading verification information may result in suspension or termination.
7. Acceptable use
You must not:
- Submit false, fraudulent, unlawful or misleading information.
- Impersonate another person or misrepresent your authority, business or qualifications.
- Scrape, harvest, resell or misuse information about other users.
- Send spam, harass users or continue prohibited contact.
- Circumvent access restrictions, connection limits, verification or security controls.
- Attempt unauthorized access, introduce malicious software or disrupt the service.
We may review reported activity, restrict content or access, and suspend or terminate accounts to address violations, security risks or legal obligations.
8. Your content and our platform
You retain your rights in the content you submit. You grant CapXio a non-exclusive licence to host, reproduce, format and display that content as reasonably necessary to operate, secure and support the marketplace.
That licence does not authorize unrelated advertising use of your personal information. Personal information is handled as described in our Privacy Policy.
CapXio’s software, design, branding and other platform materials belong to us or our licensors. These Terms do not transfer ownership of them to you.
9. Availability and third-party services
We use service providers to operate CapXio. Availability may be affected by maintenance, technical failures or provider interruptions.
We may change features or discontinue parts of the service. Where a change materially affects a paid arrangement, we will communicate the applicable transition and any available remedy.
External websites and services may have their own terms and privacy practices. Our use of service providers does not remove responsibilities that applicable law places on CapXio.
10. Closing your account
You may request account closure through the available account controls or by contacting support@capxio.com.
Account closure, cancellation of paid access and deletion of personal information are related but distinct processes. We will explain any additional action needed to stop future billing. Closure does not reverse completed connections, recall previously disclosed information or automatically refund earlier charges.
We may retain limited records after closure for the purposes explained in our Privacy Policy.
11. Disclaimers and responsibility
To the extent permitted by law, CapXio is provided “as is” and “as available.” We do not guarantee uninterrupted operation, the accuracy of user-submitted information, or any financing result.
You are responsible for assessing other users and proposed transactions and obtaining independent professional advice where appropriate.
To the extent permitted by law, CapXio is not liable for indirect or consequential losses arising from use of the platform or dealings between users. Nothing in these Terms excludes liability or rights that cannot lawfully be excluded.
You are responsible for losses caused by your fraud, unlawful conduct or material breach of these Terms. Any obligation to reimburse CapXio for a third-party claim is limited to the extent that claim results from that conduct and does not extend to loss caused by CapXio’s own fault.
12. Changes, law and contact
We will publish changes to these Terms with an updated effective date and provide notice of material changes as appropriate. Where a change requires additional agreement or consent, we will obtain it rather than rely only on continued use.
These Terms are governed by British Columbia law and applicable Canadian federal law. Disputes are subject to the courts of British Columbia, except where mandatory law provides otherwise.
These Terms, the applicable plan or purchase terms, and any expressly incorporated policies form your agreement with CapXio. Our Privacy Policy explains our handling of personal information.
Support: support@capxio.com Terms and legal questions: legal@capxio.com