VAN Online Business Plus Ltd.: Terms of Service

1. Definitions

1.1 "Company" refers to VAN Online Business Plus Ltd., a registered financial services advisory firm incorporated under the laws of British Columbia, Canada, with its registered office at 1078 Howe Street, Vancouver, British Columbia V6E 3Y6. The Company is registered with the British Columbia Financial Services Authority (BCFSA) under Registration No. BCFSA-ADV-2011-04872 and is a member of the Canadian Financial Advisory Standards Association (CFASA), Member Reference No. CFASA-7741.

1.2 "Services" refers to business banking advisory services as described on vanonlinebusinessplus.com, including but not limited to: deposit account architecture, payment processing design and optimization, working capital advisory, startup banking and fund segregation, treasury management, banking compliance and regulatory alignment, cash flow forecasting, banking relationship audit and renegotiation, cross-border payment advisory, and merchant account structuring.

1.3 "Client" refers to any individual, corporation, partnership, cooperative, or other legal entity that engages the Company for Services pursuant to a signed engagement letter.

1.4 "Website" refers to vanonlinebusinessplus.com and all associated subdomains, content, documentation, and digital resources hosted thereon.

1.5 "User" refers to any individual accessing or browsing the Website, regardless of whether they are a Client of the Company.

1.6 "Engagement Letter" refers to the formal written agreement between the Company and a Client that governs the specific scope, fees, deliverables, and timeline of a particular advisory engagement.

1.7 "Deliverables" refers to all reports, analyses, proposals, models, and documentation produced by the Company during the course of a Client engagement, including but not limited to: SBA loan application packages, business financial reviews, commercial loan proposals, business account statements, treasury management proposals, and business financial health scorecards.

2. Acceptance of Terms

2.1 By accessing the Website, submitting any form on the Website, or engaging the Company for Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and the Company's Privacy Policy, which is incorporated herein by reference.

2.2 If you do not agree to these Terms of Service in their entirety, you must discontinue use of the Website immediately and refrain from engaging the Company for Services.

2.3 These Terms of Service constitute a legally binding agreement between you and VAN Online Business Plus Ltd. They supersede all prior oral or written agreements, representations, and understandings between the parties with respect to the subject matter herein.

2.4 The Company reserves the right to refuse service to any prospective Client at its sole discretion.

3. Nature of Services

3.1 The Company provides advisory services related to business banking, including deposit optimization, payment processing architecture, working capital solutions, treasury management, and related financial infrastructure consulting. The Company is not a chartered bank, credit union, trust company, or deposit-taking institution. The Company does not hold client deposits, extend credit, or process payments directly.

3.2 The Company acts in an advisory capacity, assisting Clients in optimizing their relationships with chartered banks and other financial institutions. The Company maintains working relationships with eleven (11) financial institutions across Canada for the purpose of sourcing competitive terms on behalf of Clients.

3.3 The Company is registered with the British Columbia Financial Services Authority (BCFSA). Registration No. BCFSA-ADV-2011-04872. The Company is also a member of the Canadian Financial Advisory Standards Association (CFASA), Member Reference No. CFASA-7741.

3.4 No information published on the Website — including blog articles, case studies, benchmarking data, or service descriptions — constitutes a recommendation to purchase, sell, or hold any financial product. All formal recommendations are made exclusively within the context of signed Client engagements and are based on the specific financial circumstances disclosed by the Client during the diagnostic process.

3.5 The Company does not guarantee any specific financial outcome, rate of return, fee reduction, or savings amount. Past performance data cited on the Website (including aggregate statistics such as median ROI, average cost reductions, and combined client savings) reflects historical results and does not guarantee future results for any individual Client.

4. Engagement Terms

4.1 All advisory engagements between the Company and a Client are governed by a separate Engagement Letter executed by both parties prior to the commencement of work. The Engagement Letter shall specify the scope of Services, fee structure, payment schedule, timeline, and deliverables.

4.2 Fees, scope, and deliverables are defined exclusively in the Engagement Letter. In the event of any conflict between these Terms of Service and a signed Engagement Letter, the Engagement Letter shall prevail with respect to the specific engagement.

4.3 Either party may terminate an engagement with thirty (30) calendar days' written notice delivered to the other party's designated contact. Notice shall be delivered via email to the address specified in the Engagement Letter and shall be deemed received on the date of transmission.

4.4 Upon termination, the Client shall pay all fees accrued for Services rendered through the effective date of termination. For fixed-fee engagements, proration shall be calculated based on the percentage of project milestones completed as determined by the Company in good faith.

4.5 For retainer-based engagements (including Treasury Management Advisory, Payment Optimization, and Full-Service Banking Advisory), the minimum engagement period is three (3) months unless otherwise specified in the Engagement Letter. After the minimum period, either party may terminate with thirty (30) calendar days' written notice.

4.6 For performance-based engagements (including Banking Renegotiation Services), the performance component is calculated exclusively on documented, verified first-year savings as defined in the Engagement Letter. The Company's calculation of savings shall be based on pre-engagement baseline data and post-engagement verified figures from the Client's financial institutions.

5. Intellectual Property

5.1 All content published on the Website — including text, graphics, logos, images, data compilations, software, and page layout — is the property of VAN Online Business Plus Ltd. or its licensors and is protected by Canadian and international copyright, trademark, and intellectual property laws.

5.2 Clients retain full ownership of all data, documents, financial records, and information provided to the Company during the course of an engagement. At the conclusion or termination of an engagement, the Company shall return or destroy all Client data in accordance with the Company's data retention policy, unless otherwise agreed in the Engagement Letter.

5.3 The Company retains exclusive ownership of all proprietary methodologies, analytical frameworks, diagnostic processes, benchmarking databases, and advisory tools developed by the Company, including but not limited to: the 90-day onboarding diagnostic, cash conversion cycle benchmarking models, interchange qualification analysis templates, and earnings credit rate calculation methodologies. These remain the Company's intellectual property regardless of whether they are applied during a Client engagement.

5.4 Deliverables produced during an engagement (including reports, proposals, models, and written analyses) are licensed to the Client for internal use only. Clients may not distribute, publish, or share Deliverables with third parties without prior written consent from the Company, except as required for the Client's own banking relationships or regulatory compliance.

5.5 Users may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the Website without prior written permission from VAN Online Business Plus Ltd.

6. Limitation of Liability

6.1 To the maximum extent permitted by applicable law, the Company's total aggregate liability to any Client arising from or related to any engagement, whether in contract, tort (including negligence), strict liability, or any other legal theory, shall not exceed the total fees actually paid by the Client to the Company in the twelve (12) months immediately preceding the date of the claim.

6.2 In no event shall the Company be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: loss of profits, loss of revenue, loss of business opportunity, loss of data, cost of procurement of substitute services, or any other similar damages, regardless of whether the Company has been advised of the possibility of such damages.

6.3 The Company shall not be liable for actions taken or not taken by any financial institution, bank, payment processor, or other third party, even where such actions are related to recommendations made by the Company during an engagement.

6.4 The Company shall not be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to: acts of God, war, terrorism, pandemic, government action, natural disaster, power failure, internet disruption, or actions of third-party service providers.

6.5 The limitations of liability set forth in this Section 6 shall survive the termination or expiration of any engagement and these Terms of Service.

7. Confidentiality

7.1 The Company treats all Client data — including financial records, transaction data, account information, business strategies, and all other information disclosed during an engagement — as strictly confidential. Access to Client data within the Company is restricted to team members directly assigned to the Client's engagement.

7.2 Confidential Client data shall not be disclosed to any third party without the Client's explicit prior written authorization, except in the following circumstances:

7.2.1 Disclosure to financial institutions, banks, or payment processors as necessary to execute the Services described in the Engagement Letter, provided that the Client has authorized such disclosure in writing.

7.2.2 Disclosure required by applicable law, regulation, court order, or government authority, including but not limited to FINTRAC reporting obligations, Bank Act compliance requirements, and BCFSA regulatory examinations.

7.2.3 Disclosure to the Company's professional advisors (legal counsel, auditors) who are bound by their own confidentiality obligations.

7.3 The Company may use aggregated, anonymized data derived from Client engagements for benchmarking, research, and publication purposes, provided that no individual Client can be identified from such data.

7.4 Confidentiality obligations shall survive the termination of any engagement for a period of five (5) years.

8. Client Obligations

8.1 Clients agree to provide accurate, complete, and timely information as reasonably requested by the Company during the diagnostic and engagement process. The quality of the Company's advisory output depends directly on the accuracy of information provided.

8.2 Clients are responsible for all decisions made regarding their banking relationships, including the decision to accept or reject any recommendation made by the Company. The Company provides advisory services — the Client retains sole decision-making authority.

8.3 Clients shall notify the Company promptly of any material changes in their business operations, financial condition, or banking relationships that may affect the scope or relevance of an ongoing engagement.

8.4 Clients shall comply with all applicable laws and regulations in connection with their banking relationships and the implementation of any recommendations provided by the Company.

9. Website Use

9.1 The Website is provided for informational and communication purposes. While the Company endeavors to keep Website content current and accurate, the Company makes no warranties regarding the completeness, timeliness, or accuracy of information published on the Website.

9.2 Users shall not: (a) use the Website for any unlawful purpose; (b) attempt to gain unauthorized access to any portion of the Website, its servers, or any connected systems; (c) use any automated system, robot, spider, or scraper to access the Website for any purpose; (d) introduce viruses, trojans, worms, or other malicious code to the Website.

9.3 The Website may contain links to third-party websites. The Company is not responsible for the content, privacy practices, or terms of service of any third-party website.

10. Indemnification

10.1 The Client agrees to indemnify, defend, and hold harmless VAN Online Business Plus Ltd., its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to: (a) the Client's breach of these Terms of Service or any Engagement Letter; (b) the Client's violation of any applicable law or regulation; (c) any inaccurate or misleading information provided by the Client during an engagement.

11. Governing Law and Dispute Resolution

11.1 These Terms of Service and any engagement between the Company and a Client shall be governed by and construed in accordance with the laws of the Province of British Columbia and the applicable federal laws of Canada, without regard to conflict of law principles.

11.2 Any dispute arising from or related to these Terms of Service or any engagement shall be resolved exclusively in the courts of competent jurisdiction in the Province of British Columbia, and the parties hereby consent to the personal jurisdiction of such courts.

11.3 Prior to initiating any court proceeding, the parties agree to engage in good-faith negotiations for a period of thirty (30) calendar days following written notice of the dispute.

12. Severability

12.1 If any provision of these Terms of Service is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

13. Modifications

13.1 The Company reserves the right to modify these Terms of Service at any time. Modifications shall become effective upon posting to the Website, as indicated by the "Last Updated" date at the top of this page.

13.2 For material changes — including changes to fee structures, limitation of liability provisions, or governing law — the Company shall provide at least thirty (30) calendar days' prior written notice to active Clients via email to the address on file.

13.3 Continued use of the Website or Services after the effective date of any modification constitutes acceptance of the modified Terms.

14. Entire Agreement

14.1 These Terms of Service, together with the Privacy Policy and any applicable Engagement Letter, constitute the entire agreement between the parties with respect to the subject matter herein.

14.2 No waiver of any provision of these Terms shall be effective unless made in writing and signed by the Company.

15. Contact

15.1 For questions regarding these Terms of Service, contact:

VAN Online Business Plus Ltd.
1078 Howe Street, Vancouver, British Columbia V6E 3Y6
Email: contact@vanonlinebusinessplus.com
Phone: (604) 660-1993