Terms of Service

1. Agreement to Terms

By accessing or using the Capital Turbine website (capitalturbine.com) or any services provided by Capital Turbine ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our website or services. These terms apply to all visitors, users, and clients.

2. Description of Services

Capital Turbine provides marketing technology and services for independent financial advisors and wealth management firms, including but not limited to: AI-powered content generation and distribution, custom website design and development, landing page creation, advertising campaign management across programmatic, search, and social channels, marketing automation, compliance workflow tools including approval routing and archiving, branding and strategy consulting, and marketing administration services.

3. Client Accounts and Onboarding

Certain services require a client engagement and may involve a separate service agreement or statement of work. By entering into a service relationship with Capital Turbine, you agree to provide accurate and complete information during onboarding and to keep that information current throughout the engagement. You are responsible for maintaining the confidentiality of any account credentials.

4. Content Ownership and Licensing

Content created by Capital Turbine on your behalf — including written content, graphics, website designs, and advertising creative — is subject to the following:

• Client content. Upon full payment, you own the rights to content created specifically for your firm, including website designs, written copy, and custom creative assets.
• Platform and tools. The Capital Turbine platform, software, templates, frameworks, and proprietary tools remain our intellectual property. You receive a license to use them during the term of your engagement.
• Your materials. You retain ownership of all materials you provide to us (logos, branding assets, photography, client data). By providing them, you grant us a license to use them solely for delivering the agreed-upon services.

5. Compliance Responsibilities

YOU ACKNOWLEDGE THAT YOU ARE ENGAGED IN AN INDUSTRY REGULATED BY FEDERAL, STATE, AND SELF-REGULATORY BODIES, WHICH MAY INCLUDE THE SEC, FINRA, AND STATE SECURITIES AND INSURANCE REGULATORS.

Capital Turbine provides tools to support compliance workflows, including approval routing and content archiving designed to support the books-and-records requirements applicable to your firm, such as SEC Rule 17a-4 and FINRA Rule 4511 (broker-dealers) and Advisers Act Rule 204-2 (registered investment advisers). HOWEVER, WE ARE NOT A COMPLIANCE FIRM AND DO NOT PROVIDE LEGAL, REGULATORY, OR COMPLIANCE ADVICE. YOU ARE SOLELY RESPONSIBLE FOR ENSURING THAT ALL MARKETING CONTENT AND ACTIVITIES COMPLY WITH APPLICABLE LAWS, REGULATIONS, AND THE POLICIES OF YOUR BROKER-DEALER, RIA, OR OTHER REGULATORY BODY. CAPITAL TURBINE DISCLAIMS ALL RESPONSIBILITY FOR YOUR COMPLIANCE WITH YOUR FIRM'S COMPLIANCE AND SUPERVISION POLICIES AND APPLICABLE LAW. Our compliance tools are designed to facilitate your internal processes, not replace them.

Before publishing, distributing, or otherwise using any content created on or routed through the services, you will obtain all reviews and approvals required by applicable law and by your firm, broker-dealer, RIA, or other governing body, including, where applicable, approval by a registered principal. No feature of the services — including automated screening, approval routing, or archiving — substitutes for, or satisfies on your behalf, any such requirement.

6. AI-Generated Content and Automated Compliance Screening

Certain services use artificial intelligence to generate, edit, and screen marketing content ("AI Features"). You acknowledge and agree that:

• Output may contain errors. Content produced by AI Features may contain inaccuracies, omissions, or statements that are unsuitable for your firm, your registration status, or your audience. You are responsible for reviewing all AI-generated content before use.
• Screening is a software tool, not a compliance determination. Our automated compliance screening evaluates content against our interpretation of selected regulatory guidance, including FINRA Rule 2210 and the SEC marketing rule. THE OUTPUT OF AUTOMATED SCREENING DOES NOT CONSTITUTE LEGAL, REGULATORY, OR COMPLIANCE ADVICE; DOES NOT CONSTITUTE APPROVAL BY A REGISTERED PRINCIPAL UNDER FINRA RULE 2210 OR RULE 3110, OR REVIEW UNDER POLICIES AND PROCEDURES ADOPTED PURSUANT TO SEC RULE 206(4)-7; AND IS NOT A REPRESENTATION, WARRANTY, OR GUARANTEE THAT ANY CONTENT COMPLIES WITH ANY LAW, REGULATION, OR FIRM POLICY.
• Your supervisory procedures govern. All content generated or screened by the services must be reviewed and approved in accordance with your firm's own supervisory and compliance procedures, and those of your broker-dealer, RIA, or other governing body, before publication or distribution.
• No reliance. You will not rely on AI Features as a substitute for the review and approval processes required by applicable law or by your firm.

7. Advertising Services

Where Capital Turbine manages advertising campaigns on your behalf, you acknowledge that campaign performance is subject to market conditions, audience behavior, platform policies, and other factors outside our control. We do not guarantee specific results, including impressions, clicks, leads, or client acquisitions. Advertising spend is separate from Capital Turbine service fees unless otherwise stated in your service agreement.

8. Payment Terms

Service fees, billing frequency, and payment terms are specified in your service agreement or statement of work. Unless otherwise agreed, invoices are due upon receipt. We reserve the right to suspend services for accounts with outstanding balances exceeding 30 days past due.

9. Acceptable Use

You agree not to use our website or services to:

• Violate any applicable law, regulation, or industry standard
• Transmit false, misleading, or deceptive content
• Infringe on the intellectual property rights of any third party
• Interfere with or disrupt the integrity or performance of our services
• Attempt to gain unauthorized access to our systems or other users' data

10. Compliance with Applicable Laws

You represent and warrant that you are, and during the term of any engagement will remain, in compliance with all governmental and self-regulatory laws, regulations, rules, and orders applicable to you or your business ("Applicable Laws"), including without limitation the rules, publications, and guidance of the SEC, FINRA, and the FTC; the Investment Advisers Act of 1940 and the rules thereunder; CAN-SPAM; the TCPA; and applicable state securities, insurance, and privacy laws. You are responsible for maintaining all registrations and licenses required for your business, and you represent and warrant that all information you provide about your registration status, licensing, and regulatory obligations is accurate and current.

11. Limitation of Liability

To the maximum extent permitted by law, Capital Turbine shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to loss of revenue, loss of clients, or regulatory penalties. Our total liability for any claim arising under these terms shall not exceed the total fees paid by you to Capital Turbine in the twelve (12) months preceding the claim.

12. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or that results will meet your expectations.

13. Termination

Either party may terminate a service engagement as specified in the applicable service agreement. We reserve the right to suspend or terminate access to our website for violations of these terms. Upon termination, provisions regarding intellectual property, limitation of liability, and any accrued obligations shall survive.

14. Indemnification

You agree to indemnify, defend, and hold harmless Capital Turbine and its officers, directors, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorney's fees) arising from (a) your use of our services; (b) any content you publish, distribute, or approve for publication, including content generated, edited, or screened by the services; (c) your breach of these terms, including any representation or warranty made under these terms; or (d) your violation of any Applicable Law or third-party right.

15. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in the State of Connecticut.

16. Changes to These Terms

We may revise these Terms of Service from time to time. If we make material changes, we will notify you at the email address associated with your account at least fifteen (15) days before the changes take effect, and will post the updated version on this page. Your continued use of our website or services after the effective date constitutes acceptance of the revised terms. If you do not agree to the revised terms, you may stop using the services and terminate your engagement as provided in your service agreement.

17. Contact

Questions about these Terms of Service? Contact us at hello@capitalturbine.com or through our contact page.