Terms of Service

Please read these Terms of Service carefully before using Capvia's investment marketplace platform. By using our platform, you agree to be bound by these terms.

Effective Date: 17th September, 2025

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and Mnt Labs, LLC, doing business as Capvia ("Capvia," "we," "us," or "our"), a Delaware limited liability company, concerning your access to and use of the Capvia platform, website (https://capvia.ai), mobile applications, and related services (collectively, the "Platform").

By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Platform.

IMPORTANT NOTICE: These Terms contain an arbitration clause and class action waiver. By agreeing to these Terms, you agree to resolve disputes through binding arbitration and waive your right to participate in class actions, as detailed in Section 15.

2. Platform Description & Services

2.1 What We Do

Capvia operates an investment marketplace that connects startup founders with potential investors through AI-enhanced pitch analysis, curated deal flow, and investment facilitation tools. Our Platform provides:

  • AI-powered pitch deck analysis and scoring
  • Curated investment opportunities for accredited investors
  • Communication tools between founders and investors
  • Expert feedback and coaching services
  • Data analytics and insights for fundraising

2.2 No Investment Advice

IMPORTANT DISCLAIMER: Capvia does not provide investment advice, act as a broker-dealer, or function as a registered investment advisor. The Platform facilitates connections between parties but does not recommend specific investments or guarantee funding outcomes. All investment decisions are made independently by users at their own risk.

2.3 Securities Law Compliance

Users are solely responsible for compliance with all applicable securities laws and regulations in their jurisdictions. Capvia does not verify the legality of any transaction completed through the Platform.

3. User Eligibility & Account Types

3.1 General Eligibility

To use the Platform, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts
  • Not be prohibited from using the Platform under applicable laws
  • Provide accurate, current, and complete information during registration

3.2 Account Types

Founder Accounts: For startup founders and companies seeking investment. You represent that:

  • You have authority to act on behalf of your organization
  • All information about your business is accurate and not misleading
  • You own or have rights to all materials submitted to the Platform

Investor Accounts: For individuals or entities interested in investment opportunities. You represent that:

  • You are an accredited investor as defined by applicable securities laws
  • You understand the risks associated with startup investments
  • You will conduct your own due diligence before making investment decisions

3.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4. Confidentiality & Intellectual Property

4.1 Mutual Confidentiality

By using the Platform, Users agree to maintain the confidentiality of all proprietary information shared by other Users, including but not limited to pitch decks, financial data, business plans, and trade secrets. This mutual NDA provision survives termination of these Terms.

4.2 Founder Content License

Founders grant Capvia a limited, non-exclusive, worldwide license to use, process, and display submitted content (including pitch decks) solely for:

  • AI analysis and scoring
  • Sharing with potential investors through the Platform
  • Generating anonymized insights and analytics
  • Improving our AI models (with anonymized data only)

4.3 Platform Intellectual Property

All Platform technology, including our AI algorithms, scoring methods, user interface, and proprietary analytics, remains the exclusive property of Capvia. Users may not reverse engineer, copy, or create derivative works from our technology.

4.4 Feedback and Suggestions

Any feedback, suggestions, or ideas you provide about the Platform become the property of Capvia and may be used without compensation or attribution to you.

5. AI Services & Data Usage

5.1 AI Analysis Disclosure

The Platform uses artificial intelligence to analyze pitch decks, score investment opportunities, and provide insights. AI-generated content is provided for informational purposes only and should not be relied upon as the sole basis for investment decisions.

5.2 Accuracy Limitations

While we strive for accuracy, AI analysis may contain errors or biases. Users acknowledge that AI outputs are supplementary tools and accept full responsibility for their decision-making.

5.3 Data Processing

By submitting content to the Platform, you consent to automated processing of your data for analysis, scoring, and matching purposes. We may use anonymized, aggregated data to improve our services and develop industry insights.

5.4 Data Retention

We retain user data according to our Privacy Policy. Pitch decks and related analysis may be stored for up to 24 months after last activity, unless earlier deletion is requested.

6. Payment Terms & Subscriptions

6.1 Service Fees

Founder Services:

  • Pitch deck audits and analysis
  • Expert feedback and coaching sessions
  • Premium visibility and promotion features

Investor Subscriptions:

  • Monthly or annual subscription plans
  • Access to curated deal flow
  • Advanced filtering and analytics tools
  • Priority access to new opportunities

6.2 Payment Processing

All payments are processed through third-party payment providers. By providing payment information, you authorize us to charge the applicable fees to your payment method.

6.3 Refund Policy

Subscription fees are non-refundable except as required by law. Service fees for completed services (such as pitch audits) are non-refundable once the service has been rendered.

6.4 Auto-Renewal

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel your subscription at any time through your account settings.

7. Prohibited Conduct

Users may not:

  • Provide false, misleading, or fraudulent information
  • Misrepresent their accreditation status or authority to act on behalf of an organization
  • Use the Platform for any unlawful purpose or to solicit illegal activities
  • Violate any applicable securities laws or regulations
  • Harass, abuse, or harm other users
  • Share confidential information received through the Platform without authorization
  • Attempt to circumvent Platform fees or payment systems
  • Scrape, mine, or systematically extract data from the Platform
  • Reverse engineer or attempt to derive the source code of the Platform
  • Create multiple accounts or use the Platform after suspension or termination
  • Upload content containing viruses, malware, or harmful code
  • Interfere with or disrupt the Platform's operation
  • Use automated systems or bots without our written permission
  • Impersonate another person or entity
  • Use the Platform to compete with Capvia or for any commercial purpose not contemplated by these Terms

8. Content Guidelines & Rights

8.1 User Content Ownership

You retain ownership of content you submit to the Platform. However, you grant us the licenses described in Section 4.2 to operate the Platform and provide our services.

8.2 Content Standards

All content must:

  • Be accurate and not misleading
  • Not violate any third-party rights
  • Comply with all applicable laws
  • Be professional and appropriate for a business platform

8.3 Content Removal

We reserve the right to remove any content that violates these Terms or is otherwise objectionable, without prior notice and at our sole discretion.

9. Communications & Messaging

9.1 Platform Communications

Communications between users must be professional and related to legitimate business purposes. We may monitor communications for quality assurance and compliance purposes.

9.2 No Spam or Solicitation

Mass messaging, spam, or unsolicited commercial communications are strictly prohibited. Users may only contact others with whom they have a legitimate business interest.

9.3 Off-Platform Transactions

While we encourage initial connections through the Platform, we do not control or monitor transactions that occur outside the Platform and assume no responsibility for such activities.

10. Disclaimers & Limitations of Liability

10.1 Investment Risk Disclaimer

IMPORTANT: Investing in startups involves substantial risk, including the potential loss of your entire investment. Past performance is not indicative of future results. Capvia makes no guarantees about investment outcomes.

10.2 No Warranty

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPVIA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR INVESTMENT LOSSES, REGARDLESS OF THE THEORY OF LIABILITY. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU TO CAPVIA IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

10.4 Third-Party Services

The Platform may integrate with or link to third-party services. We are not responsible for the content, accuracy, or practices of third-party services and your use of them is at your own risk.

11. Indemnification

You agree to indemnify, defend, and hold harmless Capvia, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

  • Your use of the Platform
  • Your violation of these Terms
  • Your violation of any rights of another party
  • Any misrepresentation or fraudulent activity
  • Your violation of any applicable laws or regulations
  • Content you submit to the Platform

12. Termination & Suspension

12.1 Termination by User

You may terminate your account at any time by contacting us at support@capvia.ai. Termination does not relieve you of obligations incurred prior to termination.

12.2 Termination by Capvia

We may suspend or terminate your account at any time, with or without cause or notice. Reasons for termination may include violation of these Terms, fraudulent activity, or as required by law.

12.3 Effect of Termination

Upon termination:

  • Your access to the Platform will cease immediately
  • We may delete your content and data (subject to our Privacy Policy)
  • You remain liable for all obligations incurred before termination
  • Provisions that by their nature should survive termination will remain in effect

13. Privacy & Data Protection

Your use of the Platform is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to our data practices as described in the Privacy Policy.

13.1 International Data Transfer

Your information may be transferred to and processed in countries other than your own. By using the Platform, you consent to such transfers and processing.

13.2 Data Security

While we implement reasonable security measures, no system is completely secure. You acknowledge the inherent risks of providing information online and agree that we are not liable for security breaches beyond our reasonable control.

14. Governing Law & Jurisdiction

These Terms are governed by the laws of Delaware, United States, without regard to conflict of law principles. Any legal action related to these Terms shall be brought exclusively in the state or federal courts located in Delaware.

15. Dispute Resolution & Arbitration

15.1 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve disputes informally by contacting us at legal@capvia.ai. We will attempt to resolve disputes informally for at least 30 days.

15.2 Binding Arbitration

If informal resolution fails, disputes shall be resolved through binding arbitration under the American Arbitration Association's Commercial Arbitration Rules. Arbitration shall occur in Delaware.

15.3 Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE RESOLVED INDIVIDUALLY AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION.

15.4 Exceptions

The following disputes are excluded from arbitration: (i) claims for injunctive relief related to intellectual property, (ii) small claims court actions, and (iii) claims that cannot be arbitrated under applicable law.

16. Modifications to Terms

We may modify these Terms at any time. Material changes will be notified via email or Platform notice at least 30 days before taking effect. Continued use of the Platform after changes constitutes acceptance of the modified Terms.

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and Capvia.

17.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

17.3 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.

17.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations without restriction.

17.5 Force Majeure

We are not liable for any delay or failure to perform due to causes beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or government actions.

17.6 Electronic Communications

You consent to receive electronic communications from us. Electronic communications satisfy any legal requirements for written communications.

17.7 Export Controls

You agree to comply with all applicable export control laws and regulations. You may not use the Platform in violation of U.S. export restrictions.

18. Future Services & Features

We may introduce additional services such as investment syndicates, fund management, or broker-dealer services. Such services may be subject to additional terms and regulatory requirements. We reserve the right to modify these Terms to accommodate new services.

19. Contact Information

For questions about these Terms, please contact us:

  • Email: legal@capvia.ai
  • General Support: support@capvia.ai
  • Address: Mnt Labs, LLC, Delaware, United States

20. Acknowledgment

BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE THE PLATFORM.