Effective Date: [01/08/2025]

Welcome to the website and services of KACU LTD and KACU Financial LTD (“KACU”, “we”, “us”, or “our”). These Terms of Service (“Terms”) govern your use of our websites, products, and services, including lending, brokerage, asset management, and related financial offerings.

By accessing or using our website or services, you agree to these Terms and our Privacy Policy, which is incorporated by reference.

If you do not agree to these Terms, please do not use our website or services.

Eligibility and Business Use Only

Our services are intended for businesses and commercial entities. You must be 18 years or older and legally capable of entering binding contracts to use our services.

We do not provide personal, consumer lending, or services to minors.

Services We Provide

KACU offers business services including, but not limited to:

• Direct lending to businesses

• Brokerage and placement of funding with third-party lenders or investors

• Asset and investment management services

• Business advisory and capital structuring

These services may vary based on jurisdiction, regulatory approval, and client qualifications.

We reserve the right to accept, decline, or terminate services at our discretion.

Application & Client Responsibilities

By applying for funding, brokerage, or asset management services, you represent and warrant that:

• All information you provide is accurate, complete, and truthful

• You are authorized to act on behalf of the business

• You are not using our services for any unlawful or fraudulent activity

• You will comply with all applicable anti-money laundering (AML), anti-fraud, and financial regulations

You agree to promptly update us if any information changes or becomes inaccurate during the course of our relationship.

Verification, Compliance & Credit Checks

To comply with AML, KYC, and risk-assessment requirements, we may require:

• Personal and business identification documents

• Credit checks from authorized credit bureaus

• Bank statements, financial documents, and tax filings

• Information about beneficial owners, directors, and key stakeholders

We may use and share this information with government regulators, financial institutions, credit agencies, and fraud prevention services, as outlined in our Privacy Policy.

Your application and funding are subject to approval, and we may decline or withdraw service based on results of these checks.

No Guarantee of Funding

Submitting an application or using our website does not guarantee approval for funding, loans, or investment.

All funding decisions are subject to due diligence, credit assessment, legal review, and agreement to final terms. KACU and its affiliated partners reserve the right to refuse service for any lawful reason.

Use of Our Website

You agree not to:

• Misuse the website or attempt to access it without authorization

• Copy, modify, or distribute content from the site without our written permission

• Upload malicious software or interfere with website operations

• Use the site to promote illegal or fraudulent activity

We reserve the right to suspend or terminate access if we believe these Terms have been violated.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of KACU or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not use, reproduce, or distribute this content without our express written permission, except for your own legitimate business use in connection with our services.

Third-Party Links and Services

Our website or services may contain links to third-party websites or partners. These are provided for convenience only.

We are not responsible for the content, accuracy, or privacy practices of third parties. Your interactions with these parties are governed by their own terms and policies.

Confidentiality

We treat your business information as confidential and only share it with authorized third parties for purposes including funding placement, compliance, and credit evaluation, as described in our Privacy Policy.

You agree to keep any proprietary information or documentation provided by KACU confidential unless disclosure is required by law or permitted in writing.

Data Usage and Protection

By using our services, you agree that we may collect, use, store, and share your personal and business data as outlined in our Privacy Policy.

This includes sharing data with:

• Lenders, banks, and financial partners

• Credit bureaus and identity verification providers

• Government regulators and tax authorities (e.g., CRA, IRS, FINTRAC, FinCEN)

• International compliance agencies under applicable AML/KYC regulations

We take reasonable steps to protect your data through encryption, secure storage, access controls, and other safeguards.

Cross-Border Data Transfers

As a company operating in Canada, the U.S., and internationally, your data may be transferred or stored outside your country of residence.

We ensure compliance with applicable laws and implement safeguards such as contractual protections and international data transfer agreements.

Limitation of Liability

To the fullest extent permitted by law:

• KACU shall not be liable for any indirect, incidental, punitive, or consequential damages, loss of business, or loss of profits

• Our total liability for any claim related to services shall not exceed the amount you paid us (if applicable) in the 12 months prior to the claim

We do not warrant that our services or website will be uninterrupted or error-free.

Indemnification

You agree to indemnify and hold harmless KACU, its directors, employees, and partners from any claims, damages, or liabilities arising out of:

• Your misuse of our services

• Breach of these Terms

• Any false or misleading information you provide

• Violations of law or third-party rights

Governing Law

These Terms are governed by the laws of:

• Canada, for services provided from Canadian entities

• The United States, for services provided from U.S. entities

• And applicable international laws where services are rendered

Disputes will be resolved in the appropriate jurisdiction where KACU operates unless otherwise agreed in writing.

Changes to These Terms

We may update these Terms of Service from time to time to reflect changes in our business, services, or legal requirements.

Updated terms will be posted on our website with a revised effective date. Continued use of our services after changes indicates your acceptance of the updated Terms.

Contact Us

If you have any questions about these Terms or our services, please contact:

KACU LTD / KACU Financial LTD

📧 Email: info@kacu.ca
🌐 Website: kacu.ca