Part I — Terms of Service

1. Our Agreement With You

1.1 What These Terms Cover

These Terms of Service govern your access to and use of Capital Workbench, including our website, web application, software, dashboards, data tools, artificial intelligence features, financial analysis tools, reports, exports, visualizations, APIs, integrations, documentation, support services, and any other products or services that link to these Terms. We refer to these collectively as the “Service.”

Capital Workbench is provided by Blue Hill Foundry LLC. In these Terms, “Capital Workbench,” “we,” “us,” and “our” refer to Blue Hill Foundry, LLC and, where applicable, its affiliates. “You” and “your” refer to the individual or organization that accesses or uses the Service.

If you use the Service on behalf of a company, partnership, fund, advisory firm, consulting firm, educational institution, government entity, or other organization, you represent that you have authority to accept these Terms on that organization’s behalf. In that case, “you” includes both you and that organization.

1.2 Accepting These Terms

You accept these Terms when you create an account, click to accept them, purchase a subscription, access the Service, or otherwise use the Service. If you do not agree to these Terms, you may not access or use the Service.

Your use of the Service is also subject to our Privacy Policy, any applicable order form, subscription terms, product-specific terms, data processing addendum, acceptable use policy, beta terms, or other written agreement that expressly applies to your use of the Service. If there is a conflict between these Terms and a signed order form or separate written agreement between you and us, the signed agreement will control for that specific conflict.

1.3 Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide notice by reasonable means, such as by posting the revised Terms, sending an email, or providing an in-product notice. The revised Terms will become effective on the date stated in the revised Terms.

If you continue to use the Service after the revised Terms become effective, you agree to the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and, if applicable, cancel your subscription.

1.4 Additional Terms for Certain Features

Some features may be subject to additional terms. For example, AI-assisted features, beta features, third-party integrations, enterprise workspaces, APIs, embedded charts, or usage-based features may include additional limitations or usage rules. We will make those additional terms available where appropriate. By using the relevant feature, you agree to the applicable additional terms.

2. The Service We Provide

2.1 Capital Workbench as a Financial Analysis Platform

Capital Workbench is a software-as-a-service platform designed to support financial analysis, public company research, working capital analytics, cash flow analysis, SEC filing review, data visualization, and related productivity workflows.

Depending on your plan and enabled features, the Service may allow you to analyze company financial statements, review financial and operating metrics, generate charts and dashboards, summarize filings, compare companies, organize research, export materials, use AI-assisted features, and connect third-party tools or data sources.

2.2 Intended Use

The Service is intended to help users accelerate internal research, diligence support, financial analysis, working capital analysis, company screening, data visualization, and business decision-support workflows. The Service is not intended to replace source-document review, professional judgment, internal controls, client-review procedures, investment committee review, audit procedures, or legal, tax, accounting, valuation, regulatory, or investment advice.

2.3 Public Company and SEC Data

The Service may ingest, process, normalize, classify, analyze, summarize, or display information from public company filings, SEC datasets, regulatory sources, company websites, RSS feeds, APIs, public databases, and third-party providers. This information may include financial statement data, filing metadata, XBRL concepts, company descriptions, market-related data, news items, and related materials.

Public and third-party data may be delayed, incomplete, inaccurate, restated, inconsistently tagged, unavailable, or subject to source-specific limitations. Financial data may also be affected by accounting judgments, reporting changes, taxonomy changes, company-specific presentation choices, segment reporting, restatements, amendments, and data normalization assumptions.

We do not guarantee that any public, regulatory, financial, market, or third-party data made available through the Service is accurate, complete, current, or appropriate for your intended use.

2.4 AI-Assisted Features

The Service may include AI-assisted features that help generate summaries, explanations, classifications, draft language, financial observations, chart descriptions, mappings, data checks, code, queries, or other outputs. AI-assisted features are tools to support your workflow. They are not a substitute for human review, professional judgment, or source-document verification.

AI outputs may be inaccurate, incomplete, outdated, misleading, inconsistent, or unsuitable for your use case. You are responsible for reviewing and validating AI outputs before relying on them.

2.5 Service Evolution

We are continually developing the Service. We may add, modify, suspend, or discontinue features, including beta features, data sources, model providers, integrations, plan limits, usage limits, user interface elements, exports, or APIs. We will try to provide reasonable notice where a change materially reduces the core functionality of a paid plan, but we may make changes without notice where necessary for security, legal, operational, or product reasons.

3. Who May Use the Service

3.1 Eligibility

You must be at least 16 years old to use the Service. The Service is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn that a child under 13 has provided personal information without required authorization, we will take steps to delete it as required by law.

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms and to authorize the use of the Service by its users.

3.2 Account Registration

You may need to create an account to use some or all of the Service. You agree to provide accurate, current, and complete information and to keep that information updated. You may not create an account using false information, impersonate another person, or use another person’s account without authorization.

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, except to the extent caused by our breach of these Terms. You must promptly notify us if you believe your account has been compromised or used without authorization.

We may require authentication, verification, password resets, multi-factor authentication, or other security measures to protect your account and the Service.

4. Organization Accounts and Workspaces

4.1 Workspace Administration

The Service may allow users to create, join, or manage workspaces, teams, or organization accounts. If your account is associated with an organization workspace, the organization and its authorized administrators may control certain aspects of your account and workspace content.

Administrators may be able to invite or remove users, assign roles, configure integrations, view usage information, access workspace content, export data, delete content, set retention preferences, manage billing, and request support. You should contact your organization if you have questions about its administration of a workspace.

4.2 Organization Responsibility

Organizations are responsible for their users’ use of the Service and for ensuring that they have all necessary rights, permissions, notices, and consents to submit, process, analyze, and share data through the Service. Organizations are also responsible for configuring access controls appropriately.

4.3 Managed Users

If you use the Service through an organization account, your access may be subject to your organization’s policies and agreements. Your organization may be able to restrict or terminate your access to the workspace. We are not responsible for disputes between you and your organization regarding access, ownership, employment, confidentiality, or internal policy matters.

4.4 Workspace Content After User Removal

If you are removed from an organization workspace, content you created, uploaded, generated, or contributed within that workspace may remain available to the organization unless the organization deletes it or applicable law requires otherwise. Your personal account information and workspace content may be subject to separate retention and deletion rules.

4.5 Enterprise and Customer-Controlled Data

For enterprise or organization-managed accounts, the organization may determine how workspace content is used, retained, exported, and deleted. Where applicable, we may process workspace content and related personal information on behalf of the organization under a separate data processing addendum or enterprise agreement.

5. Subscriptions, Fees, and Payment

5.1 Plans and Pricing

The Service may include free plans, paid subscription plans, trial plans, promotional offers, enterprise plans, usage-based pricing, or custom pricing. Plan features, limits, and prices may vary. We will present applicable pricing and material plan terms before you purchase a paid plan.

5.2 Automatic Renewal

Unless otherwise stated at checkout or in an applicable order form, paid subscriptions renew automatically for successive billing periods until canceled. By purchasing a paid subscription, you authorize us and our payment processor to charge your payment method for recurring fees, taxes, and any disclosed usage-based or other charges.

Before you purchase a subscription, we will disclose the price, billing frequency, renewal terms, trial terms if applicable, and cancellation method. You are responsible for reviewing these terms before completing your purchase.

5.3 Subscription Confirmation

After you purchase a paid subscription, we or our payment processor may send you a confirmation by email or other reasonable means. The confirmation may include the plan purchased, price, billing frequency, renewal terms, cancellation instructions, support contact information, and other information required by applicable law.

5.4 Payment Processing

We may use third-party payment processors to process payments. You authorize us and our payment processor to collect and process payment information and charge your selected payment method. Payment processing may be subject to the processor’s terms and privacy policy.

We do not intend to store full payment card numbers or card verification codes on our systems. We may receive and store limited payment metadata, such as payment processor customer IDs, subscription status, invoice records, transaction IDs, card brand, and the last four digits of a payment card.

5.5 Taxes

Fees are exclusive of taxes unless stated otherwise. You are responsible for all applicable taxes, duties, levies, and similar charges, except taxes based on our net income. We may calculate and collect taxes where required.

5.6 Trials and Promotions

We may offer free trials, discounted subscriptions, promotional credits, or other promotional terms. Promotional terms may be subject to additional limitations. Unless otherwise stated, promotional credits have no cash value and may expire.

If a trial requires a payment method and automatically converts to a paid subscription, we will disclose the conversion terms before you start the trial. You must cancel before the trial ends to avoid being charged.

5.7 Cancellation

You may cancel your subscription through account settings. Cancellation will stop future renewal charges but will not automatically refund amounts already paid unless required by law or expressly stated in an applicable order form or checkout disclosure.

We will provide a cancellation method that is reasonably easy to find and use. If you subscribed online, we intend to make online cancellation available without requiring you to call, send postal mail, or interact with a salesperson, unless a different method is required or permitted for a specific enterprise agreement.

5.8 Refunds

Unless required by law or expressly stated in a separate written agreement, fees are non-refundable. If you cancel a subscription, you may continue to have access until the end of the then-current billing period, unless your account is suspended or terminated for breach of these Terms.

5.9 Failed Payments

If a payment fails, we may retry the charge, notify you, request updated payment information, suspend access, downgrade your plan, or terminate the subscription. You remain responsible for unpaid amounts, unless the charge was made in error or is otherwise unenforceable under applicable law.

5.10 Price Changes

We may change plan prices or introduce new charges. For existing paid subscriptions, we will provide notice of material price changes before they apply, unless the change is due to taxes, usage-based charges, or plan changes you request. If you do not agree to a price change, you may cancel your subscription before the change takes effect.

6. Rights and Permissions

6.1 Your Right to Use the Service

Subject to these Terms and your compliance with them, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service during the applicable subscription term for your internal business or personal analytical purposes.

You may not use the Service for any purpose not permitted by these Terms, applicable law, or a separate written agreement with us.

6.2 Our Intellectual Property

We and our licensors own all rights, title, and interest in and to the Service, including software, source code, object code, algorithms, workflows, models, prompts, templates, user interface elements, databases, data pipelines, designs, documentation, trademarks, logos, trade names, and other proprietary materials.

These Terms do not transfer any ownership interest in the Service to you. You may not use our names, logos, trademarks, or branding without our prior written permission, except as permitted by law.

6.3 Your Content

“Your Content” means content, files, prompts, queries, notes, comments, uploads, datasets, reports, charts, configurations, workspace materials, and other information that you or your authorized users submit to, upload to, store in, generate through, or otherwise provide to the Service.

You retain ownership of Your Content, subject to any rights held by third parties. These Terms do not give us ownership of Your Content.

6.4 License You Grant to Us

To provide the Service, you grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, reproduce, transmit, display, format, modify for technical purposes, back up, secure, analyze, and otherwise process Your Content as necessary to:

• operate, provide, maintain, secure, and improve the Service;
• provide features you request;
• create outputs, reports, charts, summaries, analyses, and exports;
• enable collaboration and workspace functionality;
• provide support and troubleshoot issues;
• enforce these Terms;
• comply with law; and
• protect the Service, users, and third parties.

This license continues for as long as necessary to provide the Service, comply with legal obligations, maintain backups, resolve disputes, enforce agreements, and protect the Service. We will handle Your Content in accordance with these Terms and the Privacy Policy.

6.5 Your Responsibility for Content

You are responsible for Your Content and for ensuring that you have all necessary rights, permissions, notices, and consents to submit, process, analyze, store, and share Your Content through the Service. You must not submit content that infringes third-party rights, violates law, breaches confidentiality obligations, or violates these Terms.

6.6 Outputs and Exports

Subject to these Terms, applicable law, third-party rights, and any plan limitations, you may use reports, charts, summaries, exports, and other outputs generated by the Service for your internal business purposes. You are responsible for reviewing outputs before using them in client deliverables, public materials, investment decisions, filings, board materials, transaction materials, or other important contexts.

7. Financial Analysis, Professional Judgment, and No Advice

7.1 Analytical Tool Only

Capital Workbench is an analytical and productivity tool. It may assist with financial analysis, cash flow analysis, working capital analysis, public company research, charting, filing review, and related workflows, but it does not replace professional judgment.

7.2 No Regulated Advice

The Service does not provide legal, tax, accounting, audit, investment, valuation, financial advisory, brokerage, credit rating, or other regulated professional advice. No output generated by the Service should be treated as a recommendation to buy, sell, hold, finance, value, lend to, invest in, or otherwise transact in securities, assets, companies, loans, derivatives, or other financial instruments.

You should consult qualified professionals before making decisions based on the Service.

7.3 No Fiduciary or Advisory Relationship

Your use of the Service does not create a fiduciary, advisor-client, attorney-client, accountant-client, auditor-client, broker-client, investment adviser-client, or similar professional relationship between you and us. We do not act as your financial adviser, investment adviser, broker, accountant, auditor, valuation professional, tax adviser, legal adviser, or diligence provider.

7.4 User Verification

You are responsible for independently reviewing and verifying all data, calculations, charts, classifications, summaries, outputs, and conclusions before relying on them. This is especially important where outputs may be used for business decisions, client deliverables, diligence, valuation, financing, accounting, tax, legal, regulatory, or investment purposes.

7.5 Client and Third-Party Deliverables

If you use the Service to support client work, investor materials, lender materials, board materials, transaction materials, management presentations, or other third-party deliverables, you are solely responsible for reviewing, validating, adapting, and approving the final work product. You should not present outputs as having been independently verified by us.

8. AI-Assisted Features

8.1 Nature of AI Outputs

AI-assisted features may generate content that appears accurate or authoritative but is inaccurate, incomplete, outdated, inconsistent, biased, or inappropriate for your intended use. AI outputs may not reflect current law, accounting standards, market conditions, filing amendments, company-specific facts, or professional standards.

You are responsible for reviewing, validating, and approving AI outputs before using them.

8.2 AI Data Processing

When you use AI-assisted features, your prompts, instructions, uploaded content, workspace context, retrieved data, and generated outputs may be processed by us and by third-party AI providers to provide the requested feature, monitor abuse, troubleshoot issues, maintain security, and improve the Service as described in the Privacy Policy.

Before publication, this section should be reconciled with the actual AI architecture, including whether Capital Workbench uses hosted model APIs, self-hosted models, retrieval-augmented generation, internal tagging/classification models, prompt logging, output storage, abuse monitoring, or enterprise-specific controls.

8.3 AI Training and Retention Commitments

We will not state that prompts, uploaded content, workspace data, or outputs are never retained or never used for model training unless our vendor contracts and technical configuration support that statement. If we provide a separate AI data-use statement, that statement will describe whether AI providers may retain prompts or outputs, whether such data may be used to train models, and whether different terms apply to enterprise or organization-managed accounts.

8.4 Restrictions on AI Use

You may not use AI-assisted features to:

• violate law or third-party rights;
• generate misleading, fraudulent, defamatory, infringing, or unlawful content;
• make decisions that require human review under applicable law without appropriate safeguards;
• provide regulated advice without required licenses and professional review;
• extract models, prompts, system instructions, or security controls;
• overload, probe, or bypass AI safety systems; or
• submit highly sensitive data unless your plan and organization permit that use and the feature is appropriate for it.

8.5 Similarity of Outputs

Due to the nature of AI systems, outputs generated for different users may be similar or identical. Subject to our rights and third-party rights, you may use outputs generated for you through the Service, but we do not represent that any output is unique, protectable, non-infringing, or suitable for your intended use.

9. Third-Party Services, Integrations, and Data Sources

9.1 Third-Party Services

The Service may interoperate with third-party websites, platforms, APIs, data providers, cloud services, payment processors, identity providers, AI providers, communication tools, analytics providers, or other services. These third-party services are not controlled by us and are governed by their own terms and privacy policies.

We are not responsible for third-party services, including their availability, security, accuracy, performance, data handling, or content, except to the extent required by law.

9.2 Integrations You Enable

If you enable an integration, you authorize us to access, exchange, transmit, store, and process information with the third-party service as necessary to provide the integration. You are responsible for ensuring that you have the right to connect the integration and process any related data.

You may be able to disconnect integrations through account settings or through the third-party provider. Disconnecting an integration may not delete information previously imported into the Service unless deletion is separately requested or configured.

9.3 Third-Party Data Limitations

Third-party and public data may be subject to licensing restrictions, access limitations, rate limits, source errors, delays, restatements, revisions, outages, and discontinuation. We may change, suspend, or remove data sources at any time.

10. Acceptable Use

10.1 General Rules

You may use the Service only in compliance with these Terms, applicable law, and any applicable documentation or usage limits. You may not misuse the Service or help others misuse it.

10.2 Prohibited Conduct

You may not:

• violate any law, regulation, court order, or third-party right;
• infringe or misappropriate intellectual property, privacy, publicity, confidentiality, or contractual rights;
• upload unlawful, harmful, deceptive, defamatory, fraudulent, abusive, or infringing content;
• transmit malware, malicious code, or harmful data;
• interfere with, disrupt, overload, damage, or impair the Service;
• scan, probe, test, or attack the vulnerability of the Service without authorization;
• attempt to gain unauthorized access to accounts, data, systems, or networks;
• bypass security controls, access controls, usage limits, rate limits, billing systems, or technical restrictions;
• reverse engineer, decompile, disassemble, or attempt to derive source code, non-public APIs, model weights, prompts, or system instructions, except where such restriction is prohibited by law;
• scrape, harvest, or extract data except as permitted by the Service or our written authorization;
• use the Service to build, train, benchmark, or improve a competing product in violation of these Terms;
• impersonate others or misrepresent your affiliation;
• submit false, misleading, manipulated, or unauthorized data;
• use the Service for spam, phishing, fraud, market manipulation, insider trading, sanctions evasion, or deceptive practices;
• use the Service in a way that creates unreasonable security, legal, operational, or reputational risk for us or others; or
• encourage or assist anyone in doing any of the above.

10.3 Enforcement

We may investigate suspected violations and may remove content, limit access, suspend accounts, terminate accounts, disable integrations, or take other appropriate action. We may also report activity to law enforcement, regulators, or affected third parties where appropriate or required.

11. Beta Features and Product Testing

11.1 Beta Features

We may offer beta, preview, experimental, or early-access features. Beta features may be incomplete, unstable, inaccurate, unsupported, unavailable, or subject to change. We may modify or discontinue beta features at any time without liability.

11.2 Use of Beta Features

You should not rely on beta features for production, regulated, client-facing, or mission-critical uses unless we expressly state otherwise in writing. Beta features are provided “as is” and may be subject to additional terms.

12. Feedback

12.1 Feedback You Provide

If you provide comments, ideas, suggestions, enhancement requests, or other feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use that feedback for any purpose without restriction or compensation. We will not disclose your confidential information in doing so unless permitted by these Terms or another agreement.

13. Copyright and Intellectual Property Complaints

13.1 Copyright Complaints

We respect intellectual property rights. If you believe content available through the Service infringes your copyright, you may submit a notice to our designated copyright agent at: contact@capital-workbench.com

Your notice should include the information required by applicable law, including identification of the copyrighted work, identification of the allegedly infringing material, your contact information, a statement of good-faith belief, a statement under penalty of perjury that the information is accurate and that you are authorized to act, and your signature.

13.2 Repeat Infringers

We may remove or disable access to allegedly infringing content and may terminate accounts of repeat infringers in appropriate circumstances. If you believe your content was removed by mistake, you may submit a counter-notice where permitted by law.

14. Suspension and Termination

14.1 Suspension

We may suspend or restrict your access to the Service if we reasonably believe that:

• you breached these Terms;
• your account is being used without authorization;
• your use creates security, legal, operational, financial, or reputational risk;
• you failed to pay fees when due;
• you are subject to sanctions or legal restrictions;
• continued access would violate law or third-party requirements; or
• suspension is necessary to protect the Service, users, or third parties.

Where practical and legally permitted, we will provide notice and an opportunity to resolve the issue.

14.2 Termination by You

You may stop using the Service at any time. You may cancel a paid subscription as described in Section 5. Cancellation does not relieve you of fees already incurred unless required by law or expressly stated in an applicable agreement.

14.3 Termination by Us

We may terminate your account or access to the Service if you materially breach these Terms, if we are required to do so by law, if we discontinue the Service, or if continued provision of the Service would create material risk.

14.4 Effect of Termination

Upon termination, your right to access and use the Service ends. We may retain or delete Your Content and account information in accordance with the Privacy Policy, our retention practices, legal obligations, backup procedures, and any applicable agreement.

Sections that by their nature should survive termination will survive, including ownership, payment obligations, confidentiality, disclaimers, limitations of liability, indemnification, dispute resolution, and miscellaneous provisions.

15. Disclaimers

15.1 Service Provided As Is

To the maximum extent permitted by law, the Service is provided “as is” and “as available.” We disclaim all warranties, express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, reliability, and uninterrupted operation.

15.2 No Guarantee of Accuracy or Availability

We do not warrant that:

• the Service will meet your requirements;
• the Service will be uninterrupted, secure, timely, or error-free;
• data, calculations, classifications, charts, summaries, or outputs will be accurate, complete, current, or suitable;
• public, SEC, regulatory, financial, market, or third-party data will be accurate or complete;
• AI-generated outputs will be reliable or appropriate for your use;
• defects will be corrected; or
• the Service will be free from harmful components.

Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

16. Limitation of Liability

16.1 Exclusion of Certain Damages

To the maximum extent permitted by law, we and our affiliates, officers, directors, employees, agents, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, punitive, or enhanced damages, including lost profits, lost revenue, lost savings, lost business opportunity, loss of goodwill, loss of data, business interruption, or cost of substitute services, even if advised of the possibility of such damages.

16.2 Liability Cap

To the maximum extent permitted by law, our total liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of:

• the amount you paid to us for the Service in the six months before the event giving rise to liability; or
• US$100.

16.3 Exceptions

The limitations in this Section do not apply to liability that cannot be limited under applicable law.

17. Indemnification

17.1 Your Indemnity

You agree to defend, indemnify, and hold harmless Capital Workbench, its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:

• Your Content;
• your use or misuse of the Service;
• your breach of these Terms;
• your violation of law or third-party rights;
• your integrations, data sources, instructions, or configurations;
• disputes between you and your organization or users; or
• decisions, reports, advice, transactions, filings, analyses, or professional work product based on use of the Service.

17.2 Defense Control

We may assume control of the defense of any matter subject to indemnification. You agree to cooperate with us in the defense of any claim.

18. Confidentiality

18.1 Confidential Information

“Confidential Information” means non-public information disclosed by one party to the other that is marked confidential or that a reasonable person would understand to be confidential given the nature of the information and the circumstances of disclosure.

18.2 Obligations

The recipient will use Confidential Information only to perform or receive the Service and will protect it using reasonable care. The recipient may disclose Confidential Information to employees, contractors, advisors, and service providers who need to know it and are bound by confidentiality obligations.

18.3 Exceptions

Confidential Information does not include information that is publicly available without breach, already known without restriction, independently developed without use of the disclosing party’s Confidential Information, or lawfully obtained from a third party without confidentiality restrictions. The recipient may disclose Confidential Information where required by law, provided it gives notice where legally permitted.

19. Privacy and Data Protection

19.1 Privacy Policy

Our Privacy Policy explains how we collect, use, disclose, and protect personal information. By using the Service, you acknowledge the Privacy Policy.

19.2 Customer Responsibilities

If you submit personal information to the Service, you are responsible for ensuring that you have the legal right to do so and that you have provided any required notices and obtained any required consents or authorizations.

19.3 Data Processing Addendum

If we process personal information on behalf of an organization customer in a manner that requires a data processing addendum, the parties may enter into a separate data processing addendum. If required, the data processing addendum will govern our processing of covered personal information on behalf of that customer.

20. Governing Law and Disputes

20.1 Governing Law

These Terms are governed by the laws of North Carolina, without regard to conflict-of-law principles, except where applicable law requires otherwise.

20.2 Informal Resolution

Before filing a claim, you and we agree to try to resolve disputes informally. The party raising a dispute must provide written notice describing the dispute and the relief sought. The parties will attempt in good faith to resolve the dispute for at least 30 days, unless emergency relief is needed.

20.3 Venue

Subject to any non-waivable rights under applicable law, any lawsuit or proceeding arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in North Carolina. You and we consent to personal jurisdiction and venue in those courts.

21. Notices

21.1 Notices to You

We may provide notices by email, in-product message, account posting, website posting, or other reasonable means. You are responsible for keeping your contact information current.

21.2 Notices to Us

Legal notices to us must be sent to:

Capital Workbench - Legal contact@capital-workbench.com

22. Miscellaneous

22.1 Entire Agreement

These Terms, together with any applicable order form, product-specific terms, policies, addenda, or separate written agreement, constitute the entire agreement between you and us regarding the Service.

22.2 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, or by operation of law.

22.3 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

22.4 No Waiver

Our failure to enforce a provision is not a waiver of our right to do so later.

22.5 Force Majeure

We will not be liable for delay or failure to perform due to events beyond our reasonable control, including natural disasters, labor disputes, internet or utility failures, cyberattacks, war, terrorism, civil unrest, government action, pandemics, or failures of third-party providers.