TERMS OF SERVICE & MASTER ADVISORY DISCLAIMER

Caignite Canada Terms & Condtions

MASTER SUBSCRIPTION TERMS OF SERVICE AGREEMENT

CAIGNITE CANADA CONSULTING INC.
Business Number: 733153233TZ0001
Website: https://caignite.ca
Official Email: info@caignite.ca
Effective Date: October 3, 2026

1. INTRODUCTION

These Master Subscription Terms of Service ("Terms") constitute a legally binding agreement between Caignite Canada Consulting Inc. ("Caignite," "Company," "we," "us," or "our") and the individual or legal entity purchasing, subscribing to, accessing, or using Caignite's services ("Customer," "you," or "your").

Caignite provides subscription-based research, educational, informational, analytical, and related digital services. Depending on the subscription purchased, the Services may include research reports, market commentary, educational materials, newsletters, analytics, alerts, digital publications, downloadable reports, website content, and related communications.

These Terms apply to all subscriptions and Services unless Caignite provides separate written terms that specifically apply to a particular product or subscription.

By purchasing, subscribing to, accessing, or using the Services, you acknowledge that you have read and understood these Terms and agree to be legally bound by them.

If you do not agree with these Terms, you must not purchase, access, or use the Services.

2. ELIGIBILITY AND AUTHORITY

You represent and warrant that:

You are legally capable of entering into a binding agreement;

The information you provide to Caignite is accurate and complete;

You are authorized to use the payment method used for your purchase;

If you are purchasing on behalf of a business or other organization, you have authority to bind that organization; and

Your use of the Services will comply with applicable laws and regulations.

Caignite may refuse or restrict access where reasonably necessary to comply with applicable law, prevent fraud or abuse, or protect the Company's Services.

3. LEAD INQUIRIES AND SALES COMMUNICATIONS

Submitting an inquiry, website form, Meta Instant Form, advertising lead form, or other request for information does not by itself create a subscription or purchase obligation.

Where you voluntarily provide your contact information to request information about Caignite's products or services, Caignite may use that information to respond to your inquiry and, where permitted by applicable law, contact you regarding the products or services you requested information about.

Such communications may include telephone calls, email, or other permitted communication methods.

A subscription is created only when the applicable purchase process has been completed and the subscription has been accepted or activated by Caignite.

Caignite's collection and use of personal information is governed by its Privacy Policy.

4. DESCRIPTION OF SERVICES

Caignite provides subscription-based research and informational services. The specific Services available to you depend on the subscription purchased.

Services may include:

Research reports;

Sector and company analysis;

Market commentary;

Educational materials;

Digital publications;

Downloadable PDF reports;

Website-based research content;

Newsletters and alerts;

Analytical information; and

Other content expressly included with the applicable subscription.

The availability and scope of a particular Service will be described at or before the time of purchase.

Caignite may modify, update, replace, or discontinue particular reports, publications, features, or content where reasonably necessary for business, operational, technical, legal, or other legitimate purposes.

5. RESEARCH AND EDUCATIONAL PURPOSE

The Services are provided for general informational and educational purposes.

The information provided through the Services may include research, analysis, opinions, estimates, projections, market observations, historical information, and information obtained from third-party sources.

Caignite does not guarantee that any information is complete, accurate, current, or suitable for any particular person or purpose.

6. NO INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE

Unless expressly stated otherwise and permitted by applicable law, the Services do not constitute:

Personalized investment advice;

Financial planning advice;

Legal advice;

Tax advice;

Accounting advice;

Portfolio management;

A guarantee of investment performance; or

A recommendation that any particular security or financial instrument should be purchased, sold, or held.

Caignite does not assess your individual financial circumstances, investment objectives, risk tolerance, or investment suitability.

You are solely responsible for evaluating information provided through the Services and for making your own financial decisions.

You should obtain independent advice from appropriately qualified professionals where appropriate.

7. MARKET AND INVESTMENT RISK

Financial markets involve substantial risk.

You acknowledge that:

Securities and financial instruments can increase or decrease in value;

You may lose some or all of an investment;

Past performance does not guarantee future results;

Market conditions may change rapidly; and

No research report, analysis, forecast, projection, alert, or other communication guarantees a particular outcome.

Caignite does not guarantee profits, investment returns, avoidance of losses, or any particular financial result.

8. SUBSCRIPTION PURCHASE AND ACCEPTANCE

The subscription price, billing frequency, applicable taxes, subscription period, and Services included in your subscription will be disclosed during the purchase process or in the applicable order confirmation.

A subscription may be purchased through Caignite's website, an authorized representative, or another approved purchasing method.

Where a subscription is purchased through a sales representative, the subscription becomes effective when the applicable purchase is accepted and payment is successfully processed, unless otherwise stated in the applicable order confirmation.

Caignite reserves the right to decline or cancel an order where reasonably necessary because of an error, suspected fraud, payment issue, legal restriction, or other legitimate business reason.

9. PRICING AND PAYMENT

You agree to pay the applicable subscription fees presented at the time of purchase.

Prices may be subject to applicable taxes, unless expressly stated otherwise.

You authorize Caignite or its authorized payment processor to charge the payment method provided for applicable fees.

You represent that you are authorized to use the payment method.

If a payment is declined, reversed, disputed, or otherwise not successfully completed, Caignite may suspend or restrict access until payment is resolved.

10. AUTOMATIC RENEWAL

Where a subscription automatically renews, the renewal frequency and applicable renewal price will be disclosed before or at the time of purchase.

Unless otherwise stated, the subscription will continue for successive billing periods until cancelled.

You may cancel future renewals using the cancellation method made available by Caignite.

Cancellation of a subscription prevents future renewal charges but does not automatically entitle you to a refund for a billing period that has already begun, except where required by applicable law or expressly provided under the applicable subscription terms.

11. CANCELLATION AND REFUNDS

You may cancel your subscription in accordance with the cancellation instructions provided by Caignite.

Unless otherwise stated for a particular subscription or required by applicable law, cancellation will apply to future billing periods.

Except where required by applicable law or expressly stated in the applicable subscription terms, fees already paid are non-refundable.

Caignite generally does not provide refunds based solely on:

Change of mind;

Failure to use the Services;

Failure to access available reports;

Dissatisfaction with market performance;

Investment losses;

Failure to achieve an expected financial result; or

Cancellation after a billing period has commenced.

If a duplicate payment is made in error, you may contact Caignite at info@caignite.ca with the relevant transaction information. Caignite may issue an appropriate refund after verifying the duplicate transaction.

Nothing in these Terms limits any refund or cancellation right that cannot lawfully be excluded.

12. ACCESS TO DIGITAL CONTENT

Certain Services may be delivered electronically through Caignite's website, email, downloadable files, or other digital methods.

Access may require an active subscription and valid account credentials.

Caignite may establish reasonable technical limits relating to account access, downloads, simultaneous sessions, or other use of digital Services to protect the Services and prevent unauthorized distribution.

Where a report or other digital content is described as downloadable, access may be subject to the applicable subscription period and technical availability.

13. REPORT CATEGORIES AND SUBSCRIPTION CONTENT

Depending on the subscription purchased, available research may include the following categories:

Real Estate Market Insight Report

Research and analysis relating to publicly traded real estate companies and real estate-related equities, including company information, financial results, market developments, and related analysis.

Technical Analysis Report

Research using technical-analysis concepts, which may include chart patterns, support and resistance levels, technical indicators, and other market observations.

Micro-Small Cap Market Insight Report

Research concerning micro-cap and small-cap publicly traded companies in the United States and Canada.

Artificial Intelligence Biotech Insight Report

Research concerning biotechnology companies incorporating artificial intelligence or related technologies.

Green Energy Insight Report

Research concerning publicly traded companies operating in renewable energy, clean technology, sustainable power, and related sectors.

Rare Earth Insight Report

Research concerning companies involved in rare earth elements, critical minerals, mining, processing, or related supply chains.

Caignite Growth Report

Research concerning companies that Caignite identifies as having business expansion, growth, scaling, or corporate-development activities.

Artificial Intelligence Insight Report

Research concerning publicly traded companies operating in artificial intelligence and related technology markets.

American Tech Report

Research concerning publicly traded technology companies based or principally operating in the United States.

Canada Mining Report

Research concerning Canadian publicly traded mining and metals companies, including information concerning resources, production, projects, and related market developments.

Penny Stocks Report

Research concerning publicly traded companies whose securities may trade at relatively low prices, including securities trading below $5 at the time of relevant research.

Platinum Special

Where offered, the Platinum Special subscription may provide access to multiple research categories and publications available through Caignite, subject to the specific subscription purchased and the content made available during the applicable subscription period.

Caignite may update, replace, add, or discontinue individual publications or report categories from time to time.

14. INTELLECTUAL PROPERTY

All content made available by Caignite, including reports, articles, research, publications, graphics, designs, trademarks, logos, methodologies, software, website materials, and other intellectual property, is owned by or licensed to Caignite unless otherwise stated.

Subject to these Terms and your active subscription, Caignite grants you a limited, personal, non-exclusive, non-transferable, revocable right to access and use the Services for their intended purpose.

You must not, without Caignite's prior written permission:

Reproduce or redistribute Caignite reports;

Resell or commercially exploit Caignite content;

Publish Caignite reports or materials on third-party websites;

Share subscription credentials with unauthorized persons;

Systematically download or scrape content;

Remove copyright or ownership notices;

Reverse engineer or interfere with the Services; or

Use Caignite content to create a competing commercial service.

15. ACCOUNT AND SECURITY

Where an account is required, you are responsible for maintaining the confidentiality of your login credentials.

You must promptly notify Caignite if you believe that your account has been accessed without authorization.

You are responsible for activity conducted through your account unless the unauthorized activity resulted from circumstances for which you are not reasonably responsible.

Caignite may suspend or terminate access where it reasonably believes an account is being misused, shared, compromised, or used in violation of these Terms.

16. THIRD-PARTY SERVICES

Caignite may use third-party providers for services such as:

Payment processing;

Website hosting;

Cloud infrastructure;

Customer relationship management;

Email and communications;

Telephone services;

Analytics;

Security; and

Other business operations.

Third-party services may be subject to separate terms and privacy policies.

Caignite is not responsible for interruptions or failures caused solely by third-party systems beyond Caignite's reasonable control.

17. PRIVACY

Caignite's collection, use, disclosure, retention, and protection of personal information are governed by Caignite's Privacy Policy.

The Privacy Policy explains how Caignite handles information collected through:

The Caignite website;

Subscription purchases;

Customer accounts;

Advertising and lead-generation forms;

Communications with customers and prospective customers; and

Other interactions with Caignite.

The Privacy Policy forms part of the overall contractual framework applicable to your use of the Services to the extent permitted by applicable law.

18. CROSS-BORDER OPERATIONS

Caignite is a Canadian corporation and may use employees, contractors, service providers, technology providers, or other business partners located in Canada or other jurisdictions.

As described in the Privacy Policy, personal information and business information may therefore be accessed, stored, or processed outside Canada.

Any such processing will be subject to applicable law and the safeguards described in the Privacy Policy.

19. SERVICE AVAILABILITY AND CHANGES

Caignite will use reasonable efforts to maintain the availability of its Services but does not guarantee uninterrupted or error-free operation.

Services may be temporarily unavailable because of:

Maintenance;

Technical problems;

Security incidents;

Internet or telecommunications failures;

Third-party service interruptions;

Government actions;

Events beyond reasonable control; or

Other operational circumstances.

Caignite may modify, update, suspend, or discontinue particular features, reports, publications, or Services where reasonably necessary.

20. DISCLAIMERS

To the maximum extent permitted by applicable law, the Services are provided on an "AS IS" and "AS AVAILABLE" basis.

Caignite does not warrant that:

Information will always be accurate or complete;

Research will always be current;

Services will always be available;

Errors will always be corrected;

Reports will produce any particular result; or

Use of the Services will result in profits or prevent losses.

Nothing in these Terms excludes any warranty or statutory protection that cannot lawfully be excluded.

21. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Caignite will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, business opportunities, goodwill, data, or investment value arising from or related to your use of the Services.

Caignite's aggregate liability arising from or relating to the Services will not exceed the greater of:

the amount you paid to Caignite for the applicable Services during the twelve (12) months immediately preceding the event giving rise to the claim; or

the minimum amount that cannot lawfully be excluded under applicable law.

Nothing in these Terms limits liability or rights that cannot lawfully be limited or excluded.

22. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless Caignite and its directors, officers, employees, contractors, and affiliates from claims, losses, liabilities, damages, and reasonable expenses arising from:

Your unlawful use of the Services;

Your material violation of these Terms;

Your unauthorized use or distribution of Caignite content;

Your fraudulent or abusive conduct; or

Your violation of another person's rights.

This provision does not apply to the extent that the claim results from conduct for which Caignite is legally responsible.

23. TERMINATION AND SUSPENSION

Caignite may suspend or terminate your access to the Services where reasonably necessary because of:

Material violation of these Terms;

Fraudulent or abusive activity;

Unauthorized distribution of content;

Non-payment;

Account misuse;

Legal or regulatory requirements; or

Conduct that materially threatens the security or integrity of the Services.

Where appropriate and reasonably practicable, Caignite may provide notice before termination or suspension.

Termination does not eliminate payment obligations or other provisions that by their nature should survive termination.

24. CUSTOMER COMPLAINTS AND SUPPORT

Questions, complaints, billing concerns, or requests concerning the Services may be submitted to:

Caignite Canada Consulting Inc.
Email: info@caignite.ca

Caignite will review complaints and requests in a reasonable manner and may request information necessary to investigate the matter.

25. ELECTRONIC COMMUNICATIONS

You agree that Caignite may communicate with you electronically regarding your account, subscription, payments, Services, customer support, and other matters relating to your relationship with Caignite.

Electronic communications may include email and other communication methods you have provided or authorized.

Commercial electronic messages will be handled in accordance with applicable law, including Canada's Anti-Spam Legislation where applicable.

26. GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict-of-law principles.

Subject to any rights that cannot lawfully be excluded, disputes relating to these Terms or the Services will be subject to the jurisdiction of the courts located in Ontario, Canada.

27. CHANGES TO THESE TERMS

Caignite may update these Terms from time to time to reflect changes to its Services, business operations, technology, or applicable legal requirements.

Where required by applicable law, Caignite will provide reasonable notice of material changes.

The updated Terms will identify the applicable effective date.

Your continued use of the Services after the effective date of updated Terms constitutes acceptance of the updated Terms to the extent permitted by applicable law.

28. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be modified or severed to the minimum extent necessary, and the remaining provisions will continue in effect.

29. NO WAIVER

A failure by Caignite to enforce any provision of these Terms does not constitute a waiver of that provision or of Caignite's right to enforce it later.

30. ASSIGNMENT

You may not transfer or assign your rights or obligations under these Terms without Caignite's prior written consent.

Caignite may assign or transfer its rights and obligations in connection with a merger, acquisition, corporate reorganization, sale of assets, or operation of law.

31. ENTIRE AGREEMENT

These Terms, together with the applicable subscription/order information and Caignite's Privacy Policy, constitute the agreement governing your use of the Services, except where separate written terms expressly apply to a particular Service.

If there is a conflict between these Terms and specific subscription terms provided to you at the time of purchase, the specific subscription terms will govern with respect to that subscription to the extent of the conflict.

32. CONTACT INFORMATION

CAIGNITE CANADA CONSULTING INC.
Business Number: 733153233TZ0001
Website: https://caignite.ca
Email: info@caignite.ca

33. ACKNOWLEDGMENT

By purchasing, subscribing to, accessing, or using the Services, you acknowledge that:

You have had an opportunity to review these Terms;

You understand the nature of the Services;

You understand that the Services are informational and educational unless expressly stated otherwise;

You understand that financial markets involve risk;

You are responsible for your own financial and business decisions;

You agree to comply with these Terms; and

You agree to be legally bound by these Terms.

CAIGNITE CANADA CONSULTING INC.
Effective Date: October 3, 2026

 

 

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