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Investatech Platform — Terms of Service

Last updated: April 20, 2026

Welcome to Investatech(“Investatech”, “we”, “us”, “our”), the multi-tenant SaaS platform available at rcicapp.ca(formerly app.investatech.com). These Terms of Service (“Terms”) are a legal agreement between Investatech Inc. (an Ontario corporation) and the business, organization, or individual (“you”, “your”, “Tenant”) that creates an account to use the Platform. By clicking “Create account”, by signing up via a sign-up link we provide, or by otherwise accessing the Platform, you confirm that you have read, understood, and agree to these Terms.

If you are accepting these Terms on behalf of a business or other entity, you represent that you have authority to bind that entity and the word “you” refers to that entity.

1. What the Platform Is

Investatech provides software tools for professional consultants — including but not limited to scheduling and bookings, payment processing via Stripe Connect, agreements, invoicing, email notifications, calendar synchronization, and tenant-branded client-facing pages. We may add, modify, or remove features at any time. We will give reasonable advance notice of material removals where practical.

2. Eligibility

You must be at least the age of majority in your jurisdiction and legally capable of entering into a binding contract. You must use the Platform for lawful business purposes only and comply with the laws and professional-conduct rules that govern your profession (including, for Regulated Canadian Immigration Consultants, the CICC Code of Professional Conduct).

3. Account and Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at info@investatech.com if you suspect unauthorized access. We may suspend an account that appears to have been compromised.

4. Fees

There is no subscription fee for the free baseline. Tenants who want features beyond the baseline can choose a paid tier.

  • 4.1 Transaction fee. We charge a tiered platform fee on payments processed through your connected Stripe account via the Platform. Basic subscribers pay 1% on the first CAD $5,000 of Stripe-processed volume per calendar month (in your Tenant timezone); volume above the cap is fee-free for the remainder of that month. Premium subscribers pay 0%at all times. The platform fee is collected automatically through Stripe’s application_fee_amountmechanism. Refunds do not restore cap headroom. Investatech may grant a written per-tenant override that applies flat with no monthly cap. Stripe’s own processing fees apply separately and are set by Stripe. Refunds, disputes, and chargebacks are governed by Stripe’s rules — you are responsible for the underlying transaction.
  • 4.2 Tier subscriptions. Investatech offers two paid subscription tiers: Basic at CAD $29 per month or CAD $290 per year (single-user); and Premium at CAD $69 per month or CAD $690 per year, which adds multi-seat support and AI-assisted features (Gemini-based document analysis, AI-assisted drafting, Google Translate for client-facing pages, Anthropic Claude for Service Agreement assistance). Premium subscriptions support additional seats at CAD $19 per month per Assistant seat and CAD $49 per month per RCIC seat beyond the one included. All tier fees are charged monthly or annually in advance from the day you subscribe and continue until you cancel. Cancellation takes effect at the end of the then-current billing period; we do not pro-rate partial periods.
  • 4.3 Free trial. New Tenants may start a 14-day free trial of either Basic or Premium. If you do not subscribe before the trial ends, the account remains accessible in a limited state until you choose to subscribe.
  • 4.4 Taxes. Fees are exclusive of applicable Canadian sales taxes (GST / HST / QST / PST), which we will add where required by law.
  • 4.5 Price changes. We may change the transaction percentage or any subscription price. We will give you at least 30 days’ notice by email before a price change takes effect, and your continued use after that date constitutes acceptance.

5. Stripe Connect

To receive payments you must connect your own Stripe account to the Platform. Your relationship with Stripe is governed by Stripe’s Connected Account Agreement and Stripe Services Agreement, which you accept when you connect. Investatech is not a party to the payment — we are a technical intermediary. We do not hold client funds.

6. Your Clients’ Data

You are the “controller” (or the equivalent under your applicable privacy law) of the personal information you and your clients submit through the Platform. We process that information on your behalf as a service provider. You represent that you have the legal basis to collect and submit such information and to provide it to us and to third parties the Platform integrates with (Stripe, Google Calendar, Supabase, our email provider, and — if you enable them — Gemini and Google Translate).

You agree to:

  • provide your clients with an appropriate privacy notice,
  • respond to your clients’ privacy-rights requests,
  • retain and delete personal information in accordance with your own legal obligations (Canadian PIPEDA, provincial equivalents, and any industry-specific rules such as the CICC Code of Professional Conduct § 23(3)).

We will support you with reasonable technical assistance — including deletion on request — where feasible.

7. CICC and Regulated-Profession Content

The Platform includes a CICC Initial Consultation Agreement template adapted from the current CICC Code of Professional Conduct. Investatech is not a law firm and does not provide legal advice. You remain solely responsible for the accuracy of regulatory content and for keeping it aligned with the rules of your regulator. We will make reasonable efforts to keep the CICC template current, but you must verify it before relying on it in practice.

8. Acceptable Use

You agree not to:

  • use the Platform to send spam, phishing, or unsolicited marketing;
  • upload or transmit material that is unlawful, infringing, defamatory, discriminatory, obscene, or malicious;
  • attempt to break, circumvent, reverse-engineer, or overload the Platform;
  • impersonate another person or misrepresent your affiliation;
  • use the Platform to process payments for activities prohibited by Stripe’s Restricted Businesses list;
  • scrape, resell, or white-label the Platform without our prior written consent.

We may suspend or terminate your account if we reasonably believe you are in breach of this section.

9. Content You Upload

You retain ownership of the content you upload (branding assets, agreement text, client records, attachments, etc.). You grant Investatech a non-exclusive, worldwide, royalty-free licence to host, transmit, display, and process that content solely to provide the Platform to you and your clients.

Investatech does not use your content to train AI models. When you choose to use AI-assisted features (available with the Premium tier), content you send to Google’s Gemini API or Anthropic’s Claude API is transmitted to those providers and processed under their terms for paid API usage, which — at the time of publication — state that paid API inputs and outputs are not used to improve those providers’ models. Those terms govern that processing and can change; we will notify you of any material change a provider makes us aware of. You can decline the AI features on any given document, or cancel your Premium subscription at any time.

10. Attachments and Email Delivery

Where the Platform lets clients upload supporting documents as part of an agreement, we deliver those documents to you and to the client as email attachments and then delete them from our storage. The email copy is the record of delivery. You are responsible for retaining the email and for any archival obligations imposed by your regulator or your own policies.

Email communications and consent. By creating an account you consent to receive transactional and account-related email from us (signup confirmation, login codes, billing receipts, booking notifications, signed agreements, account status changes, and similar) for as long as your account remains active. Service alerts (bug fixes, security incidents, scheduled maintenance) default ON and may be opted out from your notification preferences page. Product updates and marketing emails default OFF and require your express opt-in at signup or later. See the Privacy Policy § 13 for the full breakdown of email categories and the CASL-aligned consent rules.

10A. Transfer Room (file sharing module)

The Transfer Room module (Premium subscribers only) is a separate file-exchange surface that does notdeliver files as email attachments. When you or your client uploads a file through a Transfer Room, the bytes are encrypted under your tenant’s data key and stored in our object storage for a limited window. Notifications are sent by email, but they only contain a link to the portal, never the file itself or its filename.

Retention. Each transfer carries an expiry (14-day default, tenant-configurable between 1 and 30 days). Once a file is downloaded by the recipient, our retention cron purges its bytes within 72 hours. Once a file is copied to your connected Google Drive (if you enable that integration), our retention cron purges its bytes within 24 hours. Files in transfers you revoke are purged within 72 hours after revocation. The Transfer Room is not long-term storage; the durable copy is your client’s download, your Google Drive folder, or your own archive.

Portal access. Your client opens the portal with a one-time 6-digit code we email to them; the code is rate-limited (5 wrong attempts triggers a lockout, max 10 code requests per email per day). Portal sessions expire after 30 minutes of inactivity. Every room event (activation, upload, view, download, revoke, delete) is recorded in an append-only audit log you can replay from the dashboard.

Your obligations. CICC and other regulatory record-retention rules apply to your matter file. Because the Transfer Room is short-retention by design, you must move any file you intend to keep into your own archive (or copy it to your connected Google Drive) before it expires.

11. Third-Party Services

The Platform integrates with third-party services that you control and that have their own terms and privacy policies, including Stripe, Google (Calendar / OAuth / Translate / Drive), Supabase, our SMTP provider, and — if enabled — Google Gemini and Anthropic Claude. You are responsible for your relationship with those services and for the fees (if any) they charge you directly.

12. Availability and Changes

We aim to keep the Platform available 24/7 but we do not guarantee uninterrupted service. We may perform scheduled or emergency maintenance and may modify or discontinue features at any time. We are not liable for downtime caused by factors outside our reasonable control (including third-party provider outages).

13. Intellectual Property

Investatech retains all rights in the Platform, its source code, design, and branding, including improvements suggested or contributed by you. Nothing in these Terms grants you a licence to use the “Investatech” name or logos except for factual attribution that we pre-approve.

14. Suspension and Termination

You may terminate your account at any time from the Settings page or by writing to info@investatech.com. We may terminate or suspend your account on notice (or immediately for serious breaches, fraud, or legal risk). On termination:

  • your access to the dashboard ends;
  • we retain your data for up to 90 days in case you reactivate, after which it may be permanently deleted;
  • you remain liable for any fees accrued up to the termination date;
  • sections that by their nature survive (including 4, 6, 9, 13, 15, 16, 17, 18) will continue to apply.

15. Warranties and Disclaimer

The Platform is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Platform will be error-free, secure against all threats, or compatible with every browser or third-party service.

16. Limitation of Liability

To the maximum extent permitted by law:

  • Neither party will be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, revenue, data, goodwill, or business opportunity.
  • Our aggregate liability to you arising out of or relating to these Terms or the Platform, for any cause of action, is capped at the greater of (a) the total fees you paid us in the 12 months preceding the event giving rise to the claim, or (b) CAD $100.

17. Indemnity

You will defend, indemnify, and hold harmless Investatech Inc. and its officers, directors, and employees from any claim by a third party (including a client of yours) arising out of your use of the Platform, your content, your acts or omissions, or your breach of these Terms or applicable law.

18. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. Each party submits to the exclusive jurisdiction of the courts located in Toronto, Ontario for any dispute not resolved informally within 30 days of written notice.

19. Changes to These Terms

We may update these Terms from time to time. If a change is material we will give you at least 30 days’ notice by email (or dashboard banner) before it takes effect. Your continued use after that date constitutes acceptance.

20. Entire Agreement and Contact

These Terms, together with our Privacy Policy, form the entire agreement between you and Investatech regarding the Platform and supersede any prior agreements. Questions or notices: info@investatech.com — Investatech Inc., Toronto, Ontario, Canada.