Terms of Service
These Terms of Service are a binding agreement governing access to and use of capivise.com, the advisor portal, the administration tools, and every related Capivise feature, communication, and service.
Effective and last updated: August 12, 20261. Acceptance of these Terms
By accessing or using Capivise, submitting information, creating or using an account, clicking an acceptance control, or otherwise using a service that links to these Terms, you agree to these Terms and acknowledge the Privacy Policy and Disclosures. If you do not agree, do not use the service.
If you use Capivise for a firm or other organization, you represent that you have authority to bind it, and “you” includes that organization. Separate advisor, referral, platform, or vendor agreements may also apply. If a signed agreement conflicts with these Terms, the signed agreement controls for the subject it addresses.
2. Eligibility and permitted use
You must be at least 18 years old, legally capable of entering a contract, and located in the United States to submit a matching request or create an account. You may use Capivise only for lawful, personal, internal-business, or expressly authorized purposes and in accordance with these Terms.
Capivise may decline, limit, suspend, or terminate access where eligibility, security, compliance, capacity, network coverage, or lawful-operation requirements are not satisfied.
3. What Capivise provides
Capivise provides educational content, intake and match-profile tools, operational review, and technology that may facilitate an introduction between a consumer and one or more independent financial professionals. Capivise may use information you provide, including your situation, state, broad asset range, timing, requested services, existing professional team, and contact preferences, to identify potential candidates from the participating network.
A profile, score, candidate, match, invitation, or introduction is a screening and communication aid. It is not an endorsement, ranking of investment performance, representation that an advisor is best, or guarantee that an advisor will accept, contact, engage, or be appropriate for you. Capivise does not compare every advisor or firm in the market.
We may pause, change, test, discontinue, or restrict any feature or matching availability at any time. We do not promise uninterrupted availability or a particular advisor response time.
4. Capivise does not provide professional advice
Capivise does not provide investment, securities, tax, legal, accounting, insurance, estate-planning, banking, brokerage, or personalized financial advice. Capivise does not recommend that you buy, sell, hold, exchange, or invest in a security, insurance product, real estate interest, business, or financial strategy. Capivise does not manage assets, execute transactions, hold customer funds or securities, prepare tax returns, draft legal documents, or act as your fiduciary.
Educational content and automated or human-generated profile information are general information only and may not reflect your complete circumstances, current law, market conditions, or available alternatives. Do not rely on Capivise to meet a filing, tax, 1031-exchange, securities, vesting, lockup, exercise, estate, litigation, or other deadline. Consult appropriately licensed professionals who know your facts before acting.
5. Independent advisors and your due diligence
Advisors and firms are independent third parties, not Capivise employees, agents, partners, or representatives. An advisor-client relationship exists only if you and an advisor separately agree to one. The advisor’s engagement documents, Form ADV, Form CRS, privacy notice, compensation schedule, fiduciary or suitability duties, conflicts, and policies govern that relationship.
You are solely responsible for interviewing and selecting any advisor and for independently verifying identity, licensing and registration, disciplinary history, credentials, services, fees, conflicts, insurance, experience, and scope of authority. Public registration or a credential does not guarantee competence, integrity, suitability, or results. Capivise review is limited in scope and may rely on self-reported or public information that can become outdated.
6. Referral compensation and conflicts
Consumers are not currently charged by Capivise to submit an advisor-matching request. Capivise may receive fees or other compensation from participating advisors or firms for introductions, marketing, platform participation, or a resulting relationship. Compensation may be flat, subscription-based, activity-based, or otherwise determined under an agreement with the advisor or firm.
This creates a financial conflict because Capivise has an incentive to introduce participating advisors that compensate or may compensate Capivise. Commercial participation can affect which advisors are available in the network, even when the matching process also considers situation, state, requested help, service focus, capacity, availability, and operational eligibility. Read the Disclosures and ask the advisor for all promoter, referral, compensation, and conflict disclosures applicable to your introduction before engagement.
7. Your information and responsibilities
- Provide information that is accurate, current, complete, and yours to provide; promptly correct material inaccuracies.
- Do not impersonate another person, submit a request without authority, create a false lead, manipulate results, or misrepresent assets, accreditation, identity, location, intent, credentials, registration, or professional status.
- Do not submit Social Security numbers, government identification, full financial-account or payment-card numbers, passwords, private keys, tax returns, medical records, or confidential legal documents through the public intake or ordinary email.
- Make your own decisions and obtain professional advice appropriate to your circumstances before acting on information from the site or an introduction.
- Use contact information received through Capivise only for the requested introduction and in compliance with consent, communication preferences, privacy law, anti-spam law, telemarketing law, and professional obligations.
8. Communications and electronic records
When you submit an introduction request and affirm the displayed consent, you authorize Capivise and independent professionals involved in the requested introduction to contact you at the information provided by email, telephone, or text, including through technology that may automate delivery, subject to applicable law and the exact consent presented at submission. Message and data rates may apply. Consent to marketing communications is not a condition of purchasing property, goods, or services.
You may revoke text consent by replying STOP or another reasonable method, and may unsubscribe from marketing email using the stated method. Revocation does not affect communications already sent, disclosures already made at your direction, or non-marketing messages permitted by law.
You consent to receive agreements, notices, disclosures, and records electronically. You may retain them by printing or saving a copy. You are responsible for keeping your email address current and for having hardware and software capable of accessing ordinary web pages and PDF or email records.
9. Accounts and security
Account access is personal to the authorized user. Keep credentials confidential, use a strong unique password, do not share sessions, and notify Capivise promptly of suspected unauthorized access. You are responsible for activity performed through your account to the extent permitted by law. Capivise may require password reset, revoke sessions, restrict privileges, or disable access to protect users and the service.
Advisor and administrator accounts may access confidential information. Account users must follow applicable privacy, security, recordkeeping, communication, firm-supervision, and professional requirements and may not export, retain, or use information beyond authorized business purposes.
10. Payments and integrations
If payment functionality is enabled, payments are completed on a third-party hosted service and are subject to that provider’s terms and privacy policy. Capivise may create payment links and retain transaction status and identifiers, but does not collect card numbers or security codes. Advisor or firm payment obligations are governed by the applicable agreement and billing record.
Optional integrations, including Microsoft 365 calendar connectivity, require authorization with a third-party provider. You control whether to connect or disconnect an integration. Third-party availability, account eligibility, token revocation, and service changes are outside Capivise’s control.
11. Prohibited conduct
- Access or attempt to access another person’s account, nonpublic information, source code, credentials, systems, or data without authorization.
- Probe, scan, disrupt, overload, bypass, reverse engineer, scrape, harvest, mirror, frame, or use automated means against the service except as expressly authorized or permitted by non-waivable law.
- Upload malware; interfere with security or operation; evade rate limits; send spam; or use Capivise for fraud, unlawful discrimination, harassment, deceptive marketing, or another illegal purpose.
- Copy, republish, sell, sublicense, create a competing database from, or commercially exploit Capivise content or data without written permission.
- Use a consumer’s information for an unrelated solicitation, disclose it to an unauthorized party, or contact a person contrary to recorded consent or preference.
12. Ownership and limited license
Capivise and its licensors own the service, software, design, selection and arrangement, trademarks, logos, text, graphics, and other content, except user-provided and third-party materials. Subject to these Terms, Capivise grants you a limited, revocable, nonexclusive, nontransferable license to use the service for its intended purpose.
You retain rights in content you lawfully submit. You grant Capivise a worldwide, nonexclusive, royalty-free license to host, store, reproduce, process, transmit, and display that content only as reasonably necessary to operate, secure, improve, and provide the service and fulfill your requests. Feedback may be used without restriction or compensation, provided we do not publicly identify you without permission.
13. Third-party content and services
Links, regulatory databases, advisor sites, payment pages, calendar services, articles, and other third-party resources are provided for convenience. Capivise does not control and is not responsible for their availability, accuracy, security, terms, privacy practices, products, advice, or conduct. A link or integration does not imply endorsement.
14. Disclaimers
TO THE FULLEST EXTENT PERMITTED BY LAW, CAPIVISE AND ALL CONTENT, MATCHING, INTRODUCTIONS, PORTALS, AND RELATED SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” CAPIVISE DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND RESULTS.
CAPIVISE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, CURRENT, OR SECURE; THAT A CANDIDATE WILL BE AVAILABLE OR APPROPRIATE; THAT AN ADVISOR’S INFORMATION OR STATUS IS COMPLETE OR CURRENT; OR THAT AN INTRODUCTION WILL PRODUCE A PARTICULAR ENGAGEMENT, RETURN, TAX TREATMENT, SAVING, DEADLINE RESULT, OR OTHER OUTCOME. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OF THIS SECTION MAY NOT APPLY TO YOU.
15. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, CAPIVISE AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, OPPORTUNITIES, SAVINGS, DATA, OR GOODWILL; INVESTMENT OR MARKET LOSSES; TAXES, PENALTIES, INTEREST, OR MISSED DEADLINES; OR THE ACTS, OMISSIONS, ADVICE, PRODUCTS, SERVICES, SECURITY, OR CONDUCT OF AN ADVISOR, FIRM, USER, OR THIRD PARTY, ARISING FROM OR RELATED TO CAPIVISE, EVEN IF ADVISED OF THE POSSIBILITY.
TO THE FULLEST EXTENT PERMITTED BY LAW, CAPIVISE’S AGGREGATE LIABILITY ARISING FROM OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS OR THE AMOUNT YOU PAID DIRECTLY TO CAPIVISE FOR THE CONSUMER SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS BEFORE THE EVENT. THIS LIMIT DOES NOT APPLY WHERE PROHIBITED BY LAW OR TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED.
16. Indemnification
To the extent permitted by law, if you use Capivise on behalf of a business, firm, or professional practice, you agree to defend, indemnify, and hold harmless Capivise and its owners, officers, employees, and contractors from third-party claims, losses, liabilities, damages, judgments, and reasonable costs arising from your content, misuse of the service, violation of these Terms or law, unauthorized communications, or infringement of another person’s rights. This business-use indemnity does not require an individual consumer to indemnify Capivise for Capivise’s own unlawful conduct.
17. Suspension and termination
You may stop using Capivise at any time. Capivise may suspend or terminate access, remove content, decline a request, or restrict a feature if reasonably necessary for security, legal compliance, platform integrity, network standards, nonpayment, breach of agreement, or protection of users. Provisions that by their nature should survive termination include ownership, disclaimers, limitations, dispute provisions, and accrued payment duties.
18. Changes to the service or Terms
We may update these Terms prospectively. The current version will be posted with its effective date. For a material change, we will provide notice appropriate to the relationship and legal requirements. Continued use after the effective date constitutes acceptance where permitted by law; if you do not agree, stop using the service. Changes do not retroactively alter a dispute that arose before the updated Terms became effective unless both parties agree.
19. Governing law and disputes
Before filing a claim, you and Capivise agree to send a written description to the other party and attempt in good faith for at least thirty days to resolve the dispute informally. Send notices to info@capivise.com with the subject “Legal Notice.” This requirement does not prevent either party from seeking urgent injunctive relief or using a small-claims process where available.
Except where applicable consumer law requires otherwise, these Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws rules, and any court proceeding will be brought in a state or federal court with jurisdiction in Palm Beach County, Florida. You and Capivise consent to personal jurisdiction and venue there. These Terms do not waive a right or remedy that cannot lawfully be waived.
20. General terms and contact
These Terms, the Privacy Policy, the Disclosures, and any applicable signed agreement are the entire agreement concerning their subject. If a provision is unenforceable, it will be limited to the minimum extent necessary and the remainder will remain effective. A waiver must be written and does not waive a later breach. You may not assign these Terms without consent; Capivise may assign them in connection with a reorganization, financing, or transfer of the service. Headings are for convenience. “Including” means “including without limitation.”
Questions about these Terms may be sent to info@capivise.com.