Terms of Service

These terms govern your use of DebtStak.ai (the “Service”), operated by Robert Borowski (“we”,”us”). By creating an account or uploading a deal, you agree to them.

1. The Service

DebtStak converts a CIM (offering memorandum) you upload into a one-page pursue / conditional / pass screen calibrated to the lending box you configured in your profile, and lets you ask follow-up questions about the deal. Deterministic figures (DSCR, LTV, cap rate, etc.) are computed by code; the qualitative judgment (verdict, risks, strengths, missing items) is produced by an AI model. See our Privacy Policy for where your data goes.

2. Eligibility and your account

• You must be 18 or older and legally able to enter these terms.
• Signup is invite-gated during the design-partner phase. You're responsible for keeping your login credentials safe and for everything done through your account.
• You agree to provide accurate information, including in your lender profile.

3. Your content and your right to upload it

• “Your Content” means the CIMs you upload, the lender profile you build, and the questions you ask.
• You confirm that you have the legal right to upload each CIM you provide — that you're authorized by the deal sponsor, borrower, or broker to share it for screening, and that sharing it with us doesn't breach any confidentiality, licensing, or contractual obligation you're under.
• You grant us a limited, non-exclusive license to process Your Content solely to provide the Service to you (OCR it, embed it, retrieve over it, and reason over it to produce screens and answers). We do not use Your Content to train models, and we don't share it with other users.

4. Acceptable use

You agree not to:

• upload content you don't have the rights to, or that's illegal, infringing, or fraudulent;
• attempt to access another user's data, reverse-engineer the Service, or abuse rate limits;
• use the Service to make credit decisions on individuals in a way that breaches applicable consumer-protection or anti-discrimination law (DebtStak screens commercial deals for lenders; it is not a consumer credit tool);
• scrape, redistribute, or resell the Service's outputs to third parties without our written permission.

5. No professional advice; verify before relying

• Screens and chat answers are AI-generated assistance, not underwriting advice, legal advice, or investment advice.
• Deterministic figures are computed from the CIM as transcribed; if the CIM is wrong or the OCR misreads a number, the figures will be wrong. Numbers in the screen header are not guaranteed.
• The sponsor / adverse-media check searches the public web for the named parties. A hit is a flag to verify — it may be a name mismatch or stale — and the absence of a hit is not evidence a sponsor is sound. You must independently verify anything material before relying on it.
• You, not DebtStak, make the credit decision. We are not a party to any loan.

6. Accuracy and “as is” provision

The Service is provided “as is” and “as available.” We don't warrant that screens will be accurate, complete, or fit for any particular deal. AI models can produce incorrect or fabricated output despite our code-computes-the-numbers design. You must use your own professional judgment and your own diligence process.

7. Fees and billing

During the design-partner phase the Service is provided at no charge. We may later introduce per-deal pricing (see our landing page for current tiers). Any paid use is billed in CAD and subject to the then-current pricing; we'll give you notice before any paid tier takes effect for your account.

8. Intellectual property

• You retain all rights in Your Content.
• We retain all rights in the Service — the software, the design, the curated public knowledge base, and the structure of the screens we generate.
• Screens generated from Your Content are shared between us: you may use them internally for your deal process; you may not resell or publicly redistribute them without our permission.

9. Limitation of liability

To the maximum extent permitted by law, neither we nor our providers are liable for any indirect, incidental, consequential, or special damages arising from your use of the Service — including any loss arising from a credit decision you made based on a screen. Our aggregate liability for anything related to these terms is capped at the amount you paid us in the twelve months preceding the claim (or, during the free design-partner phase, at CA$100). This cap does not apply to liability that can't be excluded or limited under applicable law (e.g., gross negligence, wilful misconduct).

10. Indemnity

You agree to indemnify and hold us harmless from claims arising from Your Content (including that you lacked the right to upload a CIM) or from your breach of these terms.

11. Termination

You can stop using the Service and delete your account at any time by emailing hello@debtstak.ai. We may suspend or terminate your access if you breach these terms. On termination, your right to use the Service ends; we'll delete Your Content on request as described in the Privacy Policy.

12. Changes to these terms

We may update these terms as the Service evolves. We'll update the effective date above and give active users notice of material changes. Continued use after the change takes effect means you accept the updated terms.

13. Governing law

These terms are governed by the laws of Canada and the province in which the Service is operated, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction of the courts of that province for any dispute, subject to any non-waivable consumer rights.

14. Contact

Questions about these terms, requests about your data, or notices to us: hello@debtstak.ai.