Terms of service

GritLock Capital Partners
Effective Date: February 1, 2026
Last Updated: February 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the website operated by GritLock Capital Partners (“GritLock,” “Company,” “we,” “us,” or “our”).

By accessing this website, you agree to be bound by these Terms.

1. Nature of Services

GritLock Capital Partners provides debt capital advisory and consulting services to businesses seeking commercial financing.

GritLock:

• Assists in structuring financing transactions

• Introduces businesses to third-party lenders and capital providers

• Provides transaction advisory services

GritLock is not a bank, lender, investment adviser, broker-dealer, or securities dealer, unless expressly stated in a separate written agreement.

All financing decisions are made solely by third-party capital providers.

2. No Offer or Solicitation

The information on this website is provided for informational purposes only and does not constitute:

• An offer to lend

• An offer to purchase or sell securities

• Investment advice

• Legal, tax, or accounting advice

• A solicitation to engage in any securities transaction

Nothing on this website should be construed as forming a binding agreement.

3. Eligibility

This website is intended solely for:

• Businesses

• Corporate representatives

• Institutional counterparties

• Individuals over the age of 18

By using this website, you represent that you have authority to act on behalf of the business entity you represent.

4. No Reliance

Information provided on this website may include projections, market commentary, or general descriptions of financing structures.

Such information:

• Is provided for general informational purposes only

• May not reflect current market conditions

• Should not be relied upon as financial advice

You are responsible for conducting your own independent due diligence.

5. Confidentiality

Submission of information through this website does not automatically create a confidential relationship unless:

• A separate written agreement is executed; or

• A Non-Disclosure Agreement (NDA) is signed

Users are advised not to submit highly sensitive information until a formal engagement is established.

6. Intellectual Property

All content on this website, including:

• Text

• Graphics

• Logos

• Layout

• Proprietary materials

is the property of GritLock Capital Partners and may not be reproduced without written permission.

7. Limitation of Liability

To the fullest extent permitted by law:

GritLock shall not be liable for:

• Any indirect, incidental, consequential, or punitive damages

• Loss of profits

• Loss of business opportunity

• Reliance on website content

Use of this website is at your own risk.

8. Third-Party Links

This website may contain links to third-party websites. GritLock does not endorse and is not responsible for the content or privacy practices of such websites.

9. Compliance & Regulatory Matters

Users are responsible for ensuring compliance with applicable laws in their jurisdiction, including securities laws, commercial lending regulations, and financial disclosure obligations.

GritLock does not guarantee that any transaction will be completed

Indemnification

You agree to indemnify and hold harmless GritLock Capital Partners from any claims, damages, or liabilities arising from:

• Your misuse of the website

• False or misleading information submitted

• Violation of applicable laws

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of:

Province of Ontario, Canada & State of NewYork, USA

Without regard to conflict of law principles.

12. Cross-Border Broker Dealer & Securities Law Mitigation Clause

GritLock Capital Partners provides commercial debt capital advisory and consulting services to business entities.

GritLock does not:

• Act as a registered broker-dealer under the U.S. Securities Exchange Act of 1934

• Act as a registered securities dealer under Canadian provincial securities legislation

• Effect securities transactions on behalf of others

• Take custody of investor funds or securities

• Provide investment advice regarding securities

• Solicit investments in pooled investment vehicles via this website

GritLock’s services are limited to:

• Introducing commercial borrowers to potential third-party lenders or private credit providers

• Structuring commercial debt transactions

• Providing strategic advisory services relating to capital formation

Where a transaction may involve securities, private placements, or regulated products:

• Any such offering will be conducted solely by appropriately registered parties; and

• GritLock will not participate in regulated activities requiring broker-dealer or securities dealer registration unless properly licensed or exempt.

Cross-Border Activity

GritLock may facilitate introductions between borrowers and capital providers located in different jurisdictions, including Canada and the United States.

Users acknowledge that:

• Regulatory treatment of “finder” or “placement” activities varies by jurisdiction;

• GritLock does not undertake activities requiring registration in any jurisdiction unless separately disclosed in writing;

• Parties are responsible for ensuring their own compliance with applicable securities, lending, and financial regulations.

Nothing on this website should be interpreted as engaging in securities brokerage, investment advisory services, or dealer activity.

13. Commercial-Only Transaction Disclaimer

(Transactions Exceeding USD $1,000,000 or CAD Equivalent)

Commercial Purpose Limitation

GritLock Capital Partners exclusively advises on and arranges commercial-purpose debt transactions.

GritLock does not:

• Arrange consumer loans

• Provide residential mortgage brokerage services

• Facilitate personal loans

• Arrange financing for individuals for household, family, or personal use

All transactions facilitated by GritLock:

• Are intended solely for business or commercial purposes;

• Are typically structured at a minimum transaction size of USD $1,000,000 (or CAD equivalent);

• Are not subject to consumer protection lending statutes applicable to personal credit.

By submitting information through this website, you represent and warrant that:

• You are acting on behalf of a business entity;

• The financing sought is for bona fide commercial purposes;

• The requested capital amount meets or exceeds USD $1,000,000 (or CAD equivalent);

• No consumer-purpose financing is being requested.

No Consumer Protections

Because GritLock operates exclusively in the commercial financing space:

• Consumer lending laws and disclosure frameworks do not apply to services offered;

• No consumer credit protections are provided;
  No advice is provided to retail individuals.

GritLock reserves the right to decline any inquiry that appears to involve consumer-purpose financing.

14. Modifications

We reserve the right to update these Terms at any time. Continued use of the website constitutes acceptance of the revised Terms.

15. Contact Information

GritLock Capital Partners
GritLock Capital Corp
629 King Street West, Toronto, Canada, M5V0G9
Email: legal@gridlockcapital.com