Terms and Conditions

Effective date: August 4, 2026

These Terms and Conditions (the Terms) are an agreement between you and Adjustibl Inc. (Adjustibl, we, us) governing your access to Adjustibl's websites, applications, and related services (the Services).

1. Acceptance and changes

You accept these Terms by affirmatively selecting the agreement control during signup or a required reacceptance flow. We preserve evidence of the version accepted. We may update these Terms and will request reacceptance when a change materially alters the agreement; editorial or technical changes within an existing disclosed boundary do not necessarily require reacceptance.

2. Eligibility and accounts

You must have reached the age of majority where you live and be legally capable of entering this agreement. The Services are intended for your personal and lawful use unless Adjustibl expressly authorizes another use. You must provide accurate account information, safeguard the Google account used to sign in, and promptly notify us if you believe your Adjustibl account has been accessed without authorization.

3. User-directed recordkeeping service

Adjustibl is a user-directed recordkeeping, organization, calculation, and reporting tool. You control the records you enter or upload, the accounts and classifications you select, the corrections and assumptions you make, and how you use the resulting outputs. Adjustibl may automate normalization, classification, calculation, validation, and presentation, but does not independently verify your information against brokerage statements, tax slips, government records, or other official sources.

Adjustibl is not a broker, dealer, portfolio manager, investment adviser, tax adviser, accounting firm, law firm, trustee, agent, or fiduciary. The Services do not execute trades, hold or move money or securities, access brokerage accounts, recommend that you buy, sell, or hold an investment, or solicit a securities transaction.

4. Your records and authority

You retain ownership of information and records you submit. You represent that you have authority to provide and direct us to process those records, including any information concerning another person. You grant Adjustibl a limited, non-exclusive, worldwide right to host, reproduce, transform, and process submitted information only as reasonably necessary to provide, secure, support, maintain, evaluate, and improve the Services in accordance with these Terms and the Privacy Policy.

5. Outputs, official records, and professional advice

The Services produce calculations, classifications, estimates, reports, and other informational outputs from the records and choices available to them. Outputs may be incomplete, delayed, or inaccurate and are not official brokerage, accounting, tax, regulatory, or government records. You are responsible for reviewing source records, assumptions, classifications, calculations, connected-assistant results, and reports against your original documents before relying on them.

The Services do not provide legal, tax, accounting, investment, or financial advice. They are not a substitute for professional judgment. Consult a qualified tax professional, accountant, lawyer, financial adviser, or other appropriate professional before filing a tax return, making a financial or legal decision, or relying on an Adjustibl output for reporting, filing, or compliance.

6. User-connected assistants

The Services may let you connect or invoke a third-party assistant, such as ChatGPT, Claude, or another compatible service, through the Model Context Protocol (MCP). When you connect or invoke an assistant, you direct Adjustibl to make selected Adjustibl information available to that assistant and to carry out the actions you request within the permissions you grant. Information made available may include relevant portfolio, account, instrument, transaction, classification, calculation, report, validation, and request context.

The assistant and its provider are selected or controlled by you and do not act as Adjustibl's service provider for this connection. The provider's own terms, privacy practices, retention periods, training settings, and account controls apply after it receives information. Adjustibl does not control how a user-connected provider handles information after disclosure and cannot promise that the provider will not retain it or use it to improve or train models. Disconnecting an assistant prevents future access through the connection but may not delete information the provider has already received. Assistant output can be incomplete, inaccurate, or inappropriate and remains subject to your review under section 5.

A connected assistant does not receive your brokerage credentials or access to a brokerage account through Adjustibl. Connecting it also does not grant access to Gmail, Google Drive, Google Calendar, Google Contacts, payment information, or other Google account content; Google Sign-In remains limited to the account information described in the Privacy Policy.

7. Anonymized and aggregated information

Adjustibl may create information that is genuinely anonymized or aggregated so it cannot reasonably be associated with an individual. We may use that non-personal information for analytics, research, evaluation, testing, machine learning, model development, and product and service improvement. Replacing a name, email address, account number, or user identifier alone does not make information anonymous.

We do not use identifiable or reasonably linkable submitted records to train Adjustibl or third-party models under this anonymized-information provision. If we propose such training, we will provide additional notice and obtain any consent required by law.

8. Adjustibl intellectual property and licence

The Services, software, interfaces, designs, documentation, trademarks, and other Adjustibl-provided materials are owned by or licensed to Adjustibl and are protected by applicable intellectual-property laws. Subject to these Terms, Adjustibl grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable licence to use the Services for their intended purpose. No ownership in the Services transfers to you.

9. Acceptable use

You must not misuse the Services, attempt unauthorized access, interfere with their operation, submit unlawful material, bypass access or usage controls, scrape or use automated access outside approved methods, reverse engineer protected components except where law permits, or use the Services to violate another person's rights.

10. Third-party services

The Services may depend on third-party authentication, hosting, email, payment, data-processing, and other providers. Their services may be governed by separate terms. Adjustibl remains responsible for its own obligations when a provider processes personal information on our behalf. A user-connected assistant described in section 6 is instead a third party you select or control. Material enabled providers or provider categories are identified in the Privacy Policy or a maintained provider notice.

11. Open beta, availability, and future paid services

The Services may be offered as a free open beta and may contain incomplete, experimental, or unsupported features. We may add, modify, suspend, limit, or discontinue a feature or the Services, including for maintenance, security, legal, capacity, or product reasons. We do not guarantee continuous availability or preservation of any particular feature.

No subscription fee is charged for the current free beta. If Adjustibl introduces a paid service, the applicable price, billing period, renewal, cancellation, tax, and refund terms will be presented before you purchase it and may be governed by additional or updated terms.

12. Warranties

To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without representations, warranties, or conditions not expressly stated in these Terms, including implied warranties or conditions of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, performance, durability, or availability. Nothing in these Terms excludes rights that cannot lawfully be excluded.

13. Limitation of liability

To the maximum extent permitted by law, Adjustibl and its directors, officers, employees, contractors, and service providers are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, revenue, opportunity, goodwill, business, or data; or losses caused by inaccurate or incomplete source data, unsupported transactions, user choices, provider failures, service interruption, or reliance on unreviewed outputs.

To the maximum extent permitted by law, the total aggregate liability of Adjustibl and those persons for all claims arising from or relating to the Services or these Terms will not exceed the greater of the amount you paid Adjustibl for the Services during the 12 months before the event giving rise to the claim and CAD $100. This section applies regardless of the legal theory and does not limit liability that cannot lawfully be limited.

14. Indemnity

To the extent permitted by law, you will indemnify and hold harmless Adjustibl and its directors, officers, employees, and contractors from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful misuse of the Services, your material breach of these Terms, or your infringement of another person's rights. This obligation does not apply to the extent a claim results from Adjustibl's own breach, negligence, or wilful misconduct.

15. Suspension, termination, and surviving records

You may stop using the Services or request account deletion through our support or privacy contact. Adjustibl may suspend or terminate access for breach, risk, unlawful use, extended inactivity after reasonable notice, or discontinuation of the Services. Account deletion is distinct from cancelling a future paid subscription.

We may retain limited legal-acceptance, security, fraud-prevention, backup, and transaction evidence where reasonably necessary or required by law. Sections that by their nature should survive termination—including ownership, disclaimers, liability, indemnity, governing law, and general contractual provisions—remain effective.

16. Notices and changes

We may provide operational or legal notices through the Services, by email to the address associated with your account, or through our public website. For a material change, we will provide additional notice and request reacceptance where appropriate or required. Notices to Adjustibl may be sent through the Support page or to the contact listed below.

17. Governing law and disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law rules. Subject to rights that cannot lawfully be waived, the provincial and federal courts located in Toronto, Ontario have exclusive jurisdiction over disputes arising from or relating to the Services or these Terms.

18. General

Neither party is responsible for delay or failure caused by events beyond its reasonable control, except for obligations that can reasonably continue despite the event. If a provision of these Terms is unenforceable, it will be limited or severed only to the minimum extent necessary and the remaining provisions will continue. A failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent. Adjustibl may assign them in connection with a merger, financing, reorganization, sale of assets, or transfer of the Services, subject to applicable law. These Terms and the Privacy Policy are the entire agreement concerning the Services and supersede prior understandings about the same subject matter.

19. Contact

Questions or legal notices may be sent through the Adjustibl Support page. Privacy requests may be sent to the Privacy Officer at privacy@adjustibl.com.