Terms of Service

Effective date: May 29, 2026

These Terms of Service ("Terms") govern your access to and use of the websites, the secure Deal Room and Vault, and the related services (collectively, the "Platform" and the "Services") made available by Canady Investments & Acquisitions and its affiliates ("Canady," "Canady MFO," "we," "us," or "our"). By accessing the Platform, creating an account, submitting information, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Platform.

1. WHO WE ARE; NATURE OF THE SERVICES
Canady is a private capital advisory and brokerage firm and a Multi-Family Office infrastructure provider. We structure and arrange financing, provide buy-side and sell-side transactional advisory, and operate technology — including a secure Deal Room, a client Vault, and AI-assisted underwriting and document review — that connects qualified principals and professionals with institutional capital sources. We arrange and facilitate transactions; we are not the source of funds and do not ourselves lend, fund, or guarantee any financing.

2. NOT A LENDER; NOT AN INVESTMENT ADVISER OR BROKER-DEALER
Canady is not a bank, a consumer lender, or a credit union. Canady is not a registered investment adviser, a registered broker-dealer, or a municipal advisor, and the Services do not constitute the offer or sale of securities, the provision of investment advice, or the brokerage of securities. Nothing on the Platform is an offer or solicitation to buy or sell any security or financial instrument. Where capital is arranged, it is provided by third-party lenders or institutional sources under their own agreements; Canady acts solely as an arranger, advisor, or intermediary.

3. BUSINESS AND COMMERCIAL PURPOSES ONLY
The Services are offered exclusively for business, commercial, and investment purposes. Any financing discussed, arranged, or facilitated is for business or commercial use only. The Services are not consumer financial products and are not intended for personal, family, or household purposes. You represent that you are using the Services in connection with a business, entity, or investment activity.

4. NO OFFER, COMMITMENT, OR GUARANTEE
Information provided through the Platform — including indicative terms, term-sheet drafts, program descriptions, scenarios, and AI-generated outputs — is for evaluation and discussion only. It is not a commitment to lend, an approval, an offer, or a guarantee of any rate, amount, structure, timeline, or outcome. No engagement, financing, or advisory relationship is created until a separate written agreement is executed by an authorized representative of Canady. Any term sheet or letter of intent is non-binding unless and to the extent it expressly states otherwise and is duly executed.

5. ELIGIBILITY AND AUTHORITY
You must be at least 18 years old and have the legal capacity and authority to enter into these Terms. If you use the Services on behalf of an entity, you represent that you are authorized to bind that entity, and "you" includes that entity. We may decline, condition, or terminate access at our sole discretion, including for failure to meet eligibility, suitability, verification, or compliance requirements. Access to certain Services is offered on a selective, invitation, or qualification basis.

6. ACCOUNTS, THE DEAL ROOM, AND THE VAULT
You are responsible for the accuracy and completeness of all information, documents, and representations you submit, and for keeping them current. You must safeguard your login credentials and are responsible for activity under your account. You authorize Canady to collect, store, process, and share your information with prospective lenders, capital sources, advisors, and service providers as reasonably necessary to evaluate, structure, and execute the Services. You represent that you have the right to provide any third-party information you submit and that doing so does not violate any obligation.

7. AI-ASSISTED UNDERWRITING AND DOCUMENT REVIEW
Portions of the Services use proprietary automated and artificial-intelligence systems to organize, verify, and analyze information and to generate indicative outputs. These systems assist our professionals; they do not replace independent judgment and may contain errors or omissions. AI-generated outputs are not a decision, approval, commitment, or professional opinion, and must not be relied upon as the sole basis for any decision. Final decisions rest with the applicable capital source and with you and your own advisors.

8. ENGAGEMENT, FEES, AND COMPENSATION
The scope, fees, success or advisory compensation, and other commercial terms of any engagement are governed exclusively by a separate written engagement letter or services agreement between you and Canady. In the event of a conflict between these Terms and a signed engagement agreement, the signed engagement agreement controls as to its subject matter. Background verification, diligence, or processing fees, if any, will be disclosed before they are charged.

9. CONFIDENTIALITY AND THE DEAL ROOM NDA
Information exchanged through the Deal Room is confidential. Each party agrees to use the other's confidential information only to evaluate and execute the contemplated transaction and to protect it with reasonable care. Certain engagements are further governed by a separate Deal Room Non-Disclosure Agreement; where executed, that NDA supplements these Terms. We will not sell your confidential information. Our handling of personal information is described in our Privacy Notice.

10. ACCEPTABLE USE
You agree not to: (a) provide false, misleading, fraudulent, or unauthorized information; (b) use the Services for money laundering, sanctions evasion, fraud, or any unlawful purpose; (c) attempt to access accounts, data, or systems you are not authorized to access; (d) probe, scan, or interfere with the security or integrity of the Platform; (e) scrape, copy, reverse engineer, or create derivative works from the Platform; or (f) misrepresent your identity, authority, or affiliation. We may suspend or terminate access for any violation.

11. INTELLECTUAL PROPERTY
The Platform, including its software, the Deal Room and Vault architecture, the underwriting and analysis engines, design, text, and trademarks, is owned by Canady or its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Platform solely for the permitted purposes. You retain ownership of the content and documents you submit and grant us a license to use them as necessary to provide the Services. No other rights are granted.

12. THIRD-PARTY LENDERS AND SERVICES
The Services may involve, link to, or rely on third parties, including lenders, capital sources, banks, payment and identity-verification providers, e-signature providers, and other vendors. Those parties operate under their own terms and privacy practices. Canady does not control and is not responsible for third-party products, terms, decisions, acts, or omissions. Your relationship and any financing with a third party is solely between you and that party.

13. COMPLIANCE; KNOW-YOUR-CUSTOMER
You agree to provide information and documentation we reasonably request to satisfy identity verification, anti-money-laundering, sanctions, suitability, and other legal or lender requirements, and you authorize us to verify it. We may decline or discontinue Services where we cannot complete verification or where we believe continuing would violate law or policy.

14. NO INVESTMENT, LEGAL, OR TAX ADVICE
Nothing on the Platform is investment, legal, accounting, or tax advice, and no fiduciary or advisory relationship is created except under a signed engagement that expressly provides for it. You should obtain advice from your own qualified attorneys, accountants, and advisors before making any decision.

15. DISCLAIMERS
The Platform and Services are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty as to accuracy, availability, security, or results. We do not warrant that the Platform will be uninterrupted, error-free, or secure, or that any financing, valuation, timeline, or outcome will be achieved.

16. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Canady and its affiliates, officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, lost data, or cost of substitute services, arising out of or relating to the Platform or Services, even if advised of the possibility. To the fullest extent permitted by law, Canady's total aggregate liability for all claims relating to the Services will not exceed the greater of (a) the fees you actually paid to Canady for the specific Services giving rise to the claim in the twelve (12) months before the event, or (b) US$1,000.

17. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Canady and its affiliates and their representatives from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your content or information, your breach of these Terms, or your violation of any law or third-party right.

18. ELECTRONIC COMMUNICATIONS AND E-SIGNATURE
You consent to receive communications, disclosures, and agreements electronically, and you agree that electronic signatures, records, and acceptances satisfy any requirement that such records be in writing. You may withdraw consent for future electronic communications by contacting us, understanding that doing so may limit your ability to use the Services.

19. GOVERNING LAW; DISPUTE RESOLUTION; ARBITRATION
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. The parties will first attempt to resolve any dispute through good-faith negotiation. Any dispute that is not resolved will be settled by binding arbitration administered under the Commercial Arbitration Rules of the American Arbitration Association, seated in Dallas County, Texas, before a single arbitrator, and judgment on the award may be entered in any court of competent jurisdiction. Each party waives any right to a jury trial and agrees that disputes will be resolved on an individual basis only and not as a class, collective, or representative action. Notwithstanding the foregoing, either party may seek injunctive or equitable relief in a state or federal court located in Dallas County, Texas, to protect its confidential information or intellectual property. You consent to the personal jurisdiction and venue of such courts.

20. CHANGES TO THE SERVICES AND THESE TERMS
We may modify, suspend, or discontinue any part of the Services at any time. We may update these Terms from time to time; the updated Terms take effect when posted with a revised effective date, and your continued use after that constitutes acceptance. If you do not agree to the updated Terms, you must stop using the Services.

21. TERMINATION
We may suspend or terminate your access at any time, with or without cause or notice. Upon termination, your right to use the Platform ends, while provisions that by their nature should survive — including confidentiality, intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution — survive.

22. GENERAL
These Terms, together with the Privacy Notice and any signed engagement agreement or NDA, are the entire agreement between you and Canady regarding the Platform. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or successor. Headings are for convenience only.

23. CONTACT
Questions about these Terms may be directed to Canady Investments & Acquisitions at desk@canadyinvestments.com — Dallas, Texas.