Terms of Service

Effective date: August 14, 2026

1. Who we are

These Terms of Service ("Terms") govern your purchase and use of the online courses, downloadable materials, and related services (the "Service") offered by Capstack Careers, a general partnership registered under the laws of British Columbia, Canada ("Capstack," "we," "us").

Contact: support@capstackcareers.com · 4288 Grange Street, Burnaby, BC V5H 1P2, Canada

By purchasing or using the Service, you agree to these Terms. If you do not agree, do not purchase or use the Service.

2. The offering

The Service currently consists of the Resume & Cover Letter Course: online video and written modules delivered through our course platform, together with downloadable materials including templates, redacted sample resumes, and worked examples (the "Downloadable Assets"). The specific contents included in your purchase are described on the purchase page at the time of checkout.

Our offering is directed primarily at purchasers in Canada and the United States. We do not specifically target other markets, but purchases from elsewhere are accepted subject to Section 5.

3. Purchase, account creation, and access

Payment. Purchases are processed by Stripe through Stripe's hosted checkout. We never receive or store your payment card details. Prices are stated at checkout in the displayed currency and include any applicable taxes as shown.

Automatic account creation. You do not sign up separately. When your payment is completed, an account is automatically created for you using the email address you provided at Stripe checkout. That email address is your account identifier.

Access. Access to the Service is delivered by secure sign-in link ("magic link") sent to your purchase email address. Access is tied to that exact address. You are responsible for maintaining access to that email account and for keeping sign-in links confidential. If you need to change the email associated with your account, contact us at support@capstackcareers.com; we may require verification.

Accuracy. You agree to provide a valid email address at checkout. We are not responsible for failed delivery caused by an incorrect, inaccessible, or misspelled email address, though we will assist in good faith to restore access.

4. Delivery

Delivery is immediate and complete. The full course and all Downloadable Assets are available to you as soon as your payment is confirmed and your account is created. Nothing is shipped and nothing is delivered later in installments.

5. All sales final; refund policy

Because the entire Service is delivered instantly and in full at the moment of purchase — and the Downloadable Assets can be immediately and permanently copied — all sales are final and no refunds are provided, except as described below or as required by applicable law.

Exceptions. We will refund (a) verified duplicate charges, (b) verified billing errors, and (c) any amount we are required to refund under applicable consumer protection law that cannot be excluded by agreement.

EU/UK purchasers — waiver of withdrawal right. If you purchase from the European Union or the United Kingdom, you have a statutory 14-day right of withdrawal for digital content unless you expressly consent to immediate delivery and acknowledge that you thereby lose that right. By checking the acknowledgment at checkout and completing your purchase, you (i) expressly request that delivery of the digital content begin immediately, and (ii) acknowledge that you lose your right of withdrawal once delivery has begun. If you do not agree, do not complete the purchase.

Canadian purchasers. Nothing in this section limits any right you may have under the British Columbia Business Practices and Consumer Protection Act, the Ontario Consumer Protection Act, 2002, or other consumer protection legislation applicable in your province that cannot be waived by agreement.

6. "Yours permanently" — what that means

Where our marketing describes the course as "yours permanently," that means:

• Downloadable Assets: you may download the Downloadable Assets to your own devices, and copies you download are yours to keep and use under the license in Section 7, even if the Service is later modified or discontinued. We encourage you to download them promptly.
• Streamed / hosted content: access to hosted content (including streaming video and the course platform) is provided for the life of the Service. We may change platforms, update content, or — with reasonable notice where practicable — discontinue hosted access. Discontinuation of hosting does not affect copies of Downloadable Assets you have already downloaded.

7. License; no sharing or resale

Upon purchase you are granted a personal, non-exclusive, non-transferable, revocable license to access the course and to use the Downloadable Assets for your own individual, non-commercial educational use.

You may not:

• share, publish, post, upload, or otherwise distribute the course content or Downloadable Assets, in whole or in part;
• resell, sublicense, rent, or transfer access or materials to any other person;
• share your account, sign-in links, or magic-link emails with others;
• use the materials to create a competing product or service.

The Downloadable Assets — including redacted sample resumes and worked examples — are the core of the product, and this restriction is a material condition of your purchase. We may suspend or terminate access, without refund, for material breach of this section, in addition to any other remedies available at law.

All content and materials in the Service are and remain the intellectual property of Capstack or its licensors.

8. Watermarking

To protect the materials, Downloadable Assets are personalized at the time of download with the email address associated with your account (for example, a notice reading "Intended for the eyes of [your email]"). By purchasing, you acknowledge and consent to this personalization. Watermarking is also addressed in our Privacy Policy.

9. No affiliation or endorsement

The Service may display the names or logos of banks, financial institutions, universities, or other organizations (for example, under headings such as "Used by students at"). These identify institutions at which past students study, studied, or received offers. The named institutions do not sponsor, endorse, or have any affiliation with Capstack Careers or this course. All trademarks belong to their respective owners.

10. Educational content only; no outcome guarantee

The Service is educational content and general information about recruiting for finance roles. It is not career counseling, placement services, or professional advice, and we make no promise or guarantee of any outcome — including interviews, offers, employment, or compensation. Recruiting outcomes depend on many factors outside our control. You are responsible for your own decisions and applications.

11. Acceptable use

You agree not to: attempt to circumvent access controls or watermarking; scrape, bulk-download by automated means, or systematically extract content; interfere with the operation or security of the Service; or use the Service for any unlawful purpose. The free demo, where offered, is provided on a shared, read-only basis for evaluation only.

12. Disclaimers

Except as expressly stated in these Terms or required by law, the Service is provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose. We do not warrant that the Service will be uninterrupted or error-free.

13. Limitation of liability

To the maximum extent permitted by applicable law, Capstack's total aggregate liability arising out of or relating to the Service or these Terms shall not exceed the amount you paid for the Service, and we shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for lost profits or lost opportunities.

Consumer-law carve-out: nothing in these Terms excludes or limits any warranty, condition, right, or remedy that applies to you under the British Columbia Business Practices and Consumer Protection Act or other consumer protection law applicable in your jurisdiction that cannot lawfully be excluded or limited.

14. Changes to the Service or these Terms

We may update the Service and these Terms from time to time. Material changes to these Terms will be posted with a new effective date; for material changes affecting existing purchasers, we will make reasonable efforts to notify you by email. Changes do not retroactively reduce rights you acquired at purchase (including Section 6).

15. Termination

You may stop using the Service at any time. We may suspend or terminate access for material breach of these Terms (including Section 7) or unlawful use. Sections 6 (as to already-downloaded assets, absent breach), 7, 9, 10, 12, 13, and 16 survive termination.

16. Governing law and disputes

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Subject to any non-waivable consumer right to bring proceedings in your own jurisdiction, the courts of British Columbia shall have jurisdiction over disputes arising from these Terms.

17. General

If any provision of these Terms is found unenforceable, the remainder continues in effect. These Terms, together with the Privacy Policy and the purchase-page description of your order, are the entire agreement between you and Capstack regarding the Service. You may not assign these Terms; we may assign them in connection with a sale or reorganization of the business.

18. Contact

Capstack Careers (a British Columbia general partnership) 4288 Grange Street Burnaby BC V5H 1P2 Canada support@capstackcareers.com