Cap by Aquendia

Terms of use

The rules for using Cap, in plain words.

Last updated: November 8, 2026 · Version 0.1 (draft)

Working version. A lawyer still needs to review this text. Text in square brackets is a placeholder.

1. Your agreement

These terms cover your use of the Cap app, this website and its calculators, offered by Aquendia. By creating an account or using Cap, you accept these terms and the privacy policy.

2. What Cap does

Cap helps you plan your goals, especially buying a home, first or next.

Cap sees your spending to build your plan. It can never move your money. With your consent, Cap works out what you have left each month. For each goal, it gives you a likely date, its odds, an earliest and latest date, scenarios and ideas to get there sooner.

Cap may change over time: features may be added, changed or removed.

3. A guide, not an advisor

Important. Cap helps you understand and plan. It isn't financial, tax, legal or investment advice.

  • Cap never recommends a specific financial product: no investment, fund, loan, card or institution. It may mention an amount to save and a type of account (TFSA, FHSA, RRSP, HBP), for information only.
  • Results are estimates. They're based on your data, on assumptions and on published financial rules. Some values are still “being checked”.
  • Only a financial institution can pre-approve you or lend to you. Talk to a professional before you decide.

4. Your account

  • You must be an adult and live in Canada.
  • Give accurate information and keep your password to yourself. Let us know right away if someone uses your account without your permission.
  • An account is personal. To plan as a couple, each person has their own account.

5. The link with your bank

The link with your bank goes through Plaid, an outside service, under its own terms. Cap can't do anything in your accounts. The data available depends on your bank and on Plaid. You may sometimes need to link your account again. You can remove an account at any time.

6. Planning together

You decide what the other person sees, account by account. Only invite someone you want to plan with. You can leave the household or share less at any time.

7. Subscription

Some features need a paid subscription, bought through Apple's App Store or Google Play. The price, length and renewal are shown before you buy. Payment, auto-renewal, cancellation and refunds go through the app store, under its terms.

Deleting your account doesn't cancel your subscription. Cancel it in your device's settings. [Free trial and pricing to be confirmed.]

8. What's not allowed

You agree not to:

  • try to see someone else's data;
  • get around our protections or usage limits;
  • copy calculator results in bulk;
  • use Cap for anything illegal or to mislead anyone;
  • take apart Cap's code, unless the law allows it.

9. Who owns what

Cap, its text, its brand and its calculations belong to Aquendia or its partners. You may use the app for your personal needs. This right is yours alone and can't be transferred.

Your data belongs to you. You let us use it only to run Cap, as described in the privacy policy.

10. Website calculators

The calculators are free and need no account. They're there to guide you. Each result shows the rules version used and the values still being checked. If you install the app, your numbers can follow you through the link. This website keeps no personal information.

11. Limits of our liability

We do everything reasonable to keep Cap accurate and available. We can't guarantee it will be free of errors or interruptions.

To the extent the law allows, Aquendia isn't responsible for financial decisions made from Cap's estimates, or for indirect losses.

These terms don't reduce your consumer rights in any way.

Including your rights under Québec's Consumer Protection Act and any other applicable mandatory law.

12. Closing your account

You can stop using Cap and delete your account at any time (see the deletion page). We may suspend or close an account for a serious breach of these terms. We'll warn you first when we can. Your data is then handled under the privacy policy.

13. Changes to these terms

If we make an important change to these terms, we'll tell you at least 30 days ahead, in the app or by email. You can then refuse the change and end the contract at no cost.

14. Governing law and language

These terms follow the laws of Québec and the federal laws of Canada. You keep the right to go to the court where you live. This English version is for convenience: the French version prevails.

As permitted by the Charter of the French language.

15. Contact us

Aquendia, contact: Njomo Rostand
Email: confidentialite@aquendia.com
Address: [to be completed]