Terms of Service

These Terms of Service ("Terms") form a legal agreement between you ("Customer," "you," or "your") and CorridorBridge Advisory Inc., a corporation incorporated in Canada with its registered office at 142 Kent Avenue, Timmins, Ontario P4N 3C1, Canada ("CorridorBridge," "we," "us," or "our").

These Terms govern your access to and use of CorridorBridge Ops (the "Service") provided through app.corridorbridge.com and related websites operated by CorridorBridge.

By creating an account, accessing the Service, or paying for a subscription, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

If you are entering into these Terms on behalf of a company or other organization, you represent that you have the authority to bind that entity to these Terms, and "you" refers to that entity.

CorridorBridge Ops is a software-as-a-service platform designed for cross-border payment compliance advisory practices. The Service includes features for managing clients, engagements, due diligence workflows, policies, controls, incidents, partners, time tracking, invoicing, document storage, and related advisory work.

We may modify, update, or add features to the Service at any time. Material changes that significantly reduce functionality will be communicated to active Customers in advance. Beta features may be offered with reduced support and stability guarantees.

To use the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain and promptly update your account information.
• Keep your password and any multi-factor authentication credentials confidential.
• Notify us promptly at security@corridorbridge.com of any unauthorized access to or use of your account.
• Take responsibility for all activities that occur under your account.

You must be at least 18 years of age and legally able to enter into a binding contract to use the Service. The Service is intended for use by professional consultancies and their personnel.

We offer a 30-day free trial of the Service. No credit card is required to begin the trial.

At the end of the trial period:

• If you add a valid payment method and confirm a plan, your subscription begins and you continue to have full access to the Service at the rate of your selected plan.
• If you do not add a payment method, your account will transition to a read-only state. You will be able to sign in, view your data, and export it, but you will not be able to create, edit, or delete records.
• A read-only account remains accessible for 60 days. After this period, if no payment method has been added, your account and associated data will be permanently deleted, except where retention is required by law.

We may, at our discretion, extend or shorten trial periods, or offer customized trial terms to specific Customers (such as during onboarding programs).

5.1 Subscription plans

The Service is offered on a subscription basis. Current plans, pricing, and feature inclusions are available at app.corridorbridge.com/pricing. By subscribing, you agree to pay the fees applicable to your selected plan.

5.2 Billing

• Subscriptions are billed in advance, either monthly or annually depending on your selected billing cycle.
• Fees are charged automatically to your payment method on the billing date.
• All fees are in Canadian dollars (CAD) unless otherwise specified.
• Applicable taxes (HST, GST, QST, or sales tax) are calculated and added at checkout.

5.3 Failed payments

If a payment fails, we will retry collection over the following 7 days. If payment is not successfully collected within 14 days of the original billing date, your account may be downgraded to read-only or suspended until payment is resolved. Continued non-payment may result in termination of your account.

5.4 Plan changes

You may upgrade your plan at any time. Upgrade charges are prorated based on the remainder of your current billing cycle. Downgrades take effect at the end of your current billing cycle. No refunds are issued for the unused portion of a higher-tier plan upon downgrade.

5.5 Refunds

Monthly subscription fees are non-refundable. Annual subscription fees are refundable within 30 days of initial purchase only. After 30 days, annual subscriptions are non-refundable but you retain full access through the end of your annual term. We may, at our discretion, offer refunds in cases of service failure that we are unable to resolve.

5.6 Price changes

We may change subscription prices for new billing cycles. Existing subscribers will receive at least 30 days' notice of any price increase, which will take effect on their next renewal date. You may cancel before the increase takes effect to avoid the new price.

You agree NOT to use the Service to:

• Violate any applicable law or regulation, including anti-money-laundering, sanctions, or export control laws.
• Store or transmit infringing, defamatory, obscene, or otherwise unlawful content.
• Conduct activities related to terrorism, human trafficking, child exploitation, or other serious crimes.
• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the Service, except as expressly permitted by applicable law.
• Probe, scan, or test the vulnerability of the Service without our prior written authorization (security research is welcome — contact security@corridorbridge.com first).
• Use automated tools (bots, scrapers) to access the Service except via documented APIs.
• Resell, sublicense, or redistribute the Service or your access to it without our written consent.
• Use the Service to compete with CorridorBridge by creating a substantially similar product.
• Send spam, phishing, or unsolicited bulk communications using the Service.
• Upload or transmit malware, viruses, or other malicious code.
• Impersonate any person or entity, or misrepresent your affiliation.
• Take any action that imposes an unreasonable load on our infrastructure or interferes with other Customers' use of the Service.

We reserve the right to investigate suspected violations and to suspend or terminate accounts engaged in prohibited activities.

7.1 Your data

You retain all rights, title, and interest in and to the data you provide to or generate through the Service ("Customer Data"), including client information, engagement records, documents, reports, and other content.

You grant CorridorBridge a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display Customer Data solely as necessary to provide and improve the Service, and as described in our Privacy Policy.

You represent and warrant that you have all rights necessary to provide Customer Data to us, and that doing so does not violate any third-party rights or applicable law.

7.2 Our intellectual property

The Service, including its software, design, interface, documentation, and all related intellectual property, is owned by CorridorBridge or our licensors and is protected by copyright, trademark, and other laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms during your active subscription. This license terminates upon cancellation or termination of your account.

7.3 Feedback

If you provide us with feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose, including incorporating it into the Service. Feedback is not confidential unless we agree otherwise in writing.

7.4 Data export

You may export your Customer Data at any time using the Service's built-in export functionality (CSV, JSON formats). Upon cancellation, you have 30 days to complete data exports before deletion under our retention policy.

Each party may have access to information of the other party that is non-public, confidential, or proprietary ("Confidential Information"). Each party agrees to:

• Use the other party's Confidential Information only as necessary to perform under these Terms.
• Protect such information with the same degree of care it uses for its own confidential information, and no less than a reasonable degree of care.
• Not disclose Confidential Information to third parties except to employees, contractors, or service providers who need to know and are bound by confidentiality obligations.

Confidential Information does not include information that is publicly available, independently developed, or rightfully obtained from a third party without confidentiality obligations.

We aim to maintain high availability of the Service. Targeted uptime varies by plan tier as described on our pricing page. Planned maintenance will be announced in advance when practical.

Support is provided according to your plan:

• Starter: email support during business hours (9 AM – 5 PM ET, Monday – Friday).
• Professional: priority email and in-app chat support during business hours.
• Enterprise: dedicated account manager, 24/7 phone and emergency support per the negotiated service level agreement.

The Service may be temporarily unavailable due to maintenance, updates, third-party service issues, or factors outside our reasonable control. We do not warrant uninterrupted or error-free operation. Specific uptime guarantees apply only to Enterprise plans with negotiated SLAs.

10.1 Termination by you

You may cancel your subscription at any time through your account settings or by contacting support@corridorbridge.com. Cancellation takes effect at the end of your current billing cycle. You will retain access until that date.

10.2 Termination by us

We may suspend or terminate your account immediately if you:

• Fail to pay fees when due (after the failed-payment process in Section 5.3).
• Materially breach these Terms, including the acceptable use provisions.
• Use the Service in a manner that creates risk of legal liability, regulatory action, or harm to other users.
• Engage in fraud, illegal activity, or misuse of our infrastructure.

We may also terminate your account with 30 days' written notice for any other reason, including discontinuation of the Service. In such cases, we will refund any prepaid fees for the unused portion of your subscription period.

10.3 Effect of termination

Upon termination:

• Your right to access and use the Service ends.
• You have 30 days to export Customer Data, after which it will be deleted from active systems (subject to backup retention policies described in our Privacy Policy).
• Any fees owed at the time of termination remain payable.
• Sections that by their nature should survive termination (including intellectual property, confidentiality, liability limitations, indemnity, and governing law) will continue to apply.

The Service is provided "as-is" and "as available." Except as expressly stated in these Terms, we make no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or quiet enjoyment.

Without limiting the above, we do not warrant that the Service will be uninterrupted, error-free, or completely secure; that defects will be corrected; or that the Service will meet your specific requirements. Use of the Service is at your own risk.

Compliance disclaimer: CorridorBridge Ops is a software platform that supports advisory work. It does not provide legal, regulatory, or compliance advice. You remain solely responsible for the accuracy and appropriateness of the work you conduct using the Service, for your compliance with applicable laws and regulations, and for the advice you provide to your end-clients.

To the maximum extent permitted by law:

• Neither party will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenues, lost business opportunities, lost data, or business interruption, even if advised of the possibility of such damages.
• Our total aggregate liability arising out of or related to these Terms or the Service will not exceed the total fees you paid to us in the 12 months preceding the event giving rise to the claim.
• These limitations apply regardless of the legal theory on which the claim is based (contract, tort, statutory, or otherwise).

The limitations in this section do not apply to: (a) breaches of confidentiality obligations; (b) indemnity obligations; (c) infringement of intellectual property; (d) gross negligence or willful misconduct; or (e) any liability that cannot be excluded or limited under applicable law.

You will indemnify and defend us against any third-party claim, loss, or damage arising out of: (a) your use of the Service in violation of these Terms or applicable law; (b) your Customer Data; (c) your end-clients' claims relating to your advisory services; or (d) your infringement of any third-party rights.

We will indemnify and defend you against any third-party claim that the Service, as provided by us and used in accordance with these Terms, infringes a Canadian copyright, trademark, or patent. Our indemnification obligation does not apply to claims arising from: (a) modifications to the Service not made by us; (b) combination of the Service with products or services not provided by us; or (c) use of the Service in violation of these Terms.

Each party's indemnification obligations are conditioned on: (a) prompt written notice of the claim; (b) sole control over defense and settlement by the indemnifying party; and (c) reasonable cooperation by the indemnified party.

Our handling of personal information is governed by our Privacy Policy, which forms part of these Terms.

Where you store personal information about identifiable individuals (including your end-clients) within the Service, you act as the data controller and we act as the data processor. You are responsible for ensuring you have appropriate legal basis to collect and process such information, and for providing required notices to those individuals.

We may modify these Terms from time to time. When we make material changes, we will:

• Update the "Last updated" date at the top of this page.
• Notify active Customers by email at least 30 days before changes take effect.
• Provide a summary of significant changes.

Continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree with the updated Terms, you may cancel your subscription before the changes take effect.

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

Any dispute arising out of or related to these Terms or the Service will be resolved as follows:

• Informal resolution: The parties will first attempt to resolve disputes through good-faith negotiation. Either party may initiate this process by sending written notice describing the dispute.
• Formal proceedings: If informal resolution fails within 30 days, disputes will be subject to the exclusive jurisdiction of the courts of the Province of Ontario, sitting in Toronto.

Nothing in this section prevents either party from seeking injunctive or equitable relief in any court of competent jurisdiction to protect intellectual property or confidential information.

Neither party will be liable for any failure or delay in performance (excluding payment obligations) caused by events beyond its reasonable control, including natural disasters, acts of war, terrorism, civil disturbance, pandemic, government action, internet or telecommunications failures, or third-party service outages. The affected party will provide prompt notice and use reasonable efforts to resume performance.

18.1 Entire agreement

These Terms, together with the Privacy Policy and any executed order forms or service-level agreements, constitute the entire agreement between the parties regarding the Service and supersede all prior agreements, communications, and understandings.

18.2 Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of substantially all assets, or similar transaction.

18.3 No waiver

Failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other.

18.4 Severability

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

18.5 Independent contractors

The parties are independent contractors. These Terms do not create a partnership, joint venture, agency, or employment relationship.

18.6 Notices

Notices to CorridorBridge must be sent to:

Notices to you will be sent to the email address associated with your account, or posted as in-app notifications.

18.7 Language

These Terms are drafted in English. If we provide a translation, the English version controls in case of conflict. Quebec Customers: at your request, we will provide a French version of these Terms; the parties acknowledge that they have required these Terms to be drawn up in English (Les parties reconnaissent avoir exigé la rédaction en anglais des présentes conditions).

For questions about these Terms: