Disclosures

Capnova Pay is a digital platform that enables individuals and businesses to explore and get started with financial products and services offered by third-party providers.

Capnova Financial Services Inc. d/b/a Capnova Pay is not a bank. Capnova does not accept deposits, hold or take custody of customer funds or digital assets, issue cards, or itself provide the banking, digital-asset, custody, payment, or other financial products offered by third-party providers through the platform.

Banking, card, digital-asset, payment, custody, and other financial products and services accessible through Capnova Pay, where available, are provided by independent third-party providers.

Each provider is responsible for its own products and services, eligibility and approval requirements, account-opening procedures, fees, terms and conditions, privacy practices, regulatory disclosures, and customer agreements.

When you choose to proceed with a provider, you may be directed to that provider's website, application, or onboarding process. Your use of the provider's products or services is governed by the provider's applicable terms, agreements, disclosures, and privacy policy.

Capnova does not make provider eligibility or approval decisions and does not guarantee approval for or access to any particular product or service.

Product-specific terms, fees, rates, risks, eligibility requirements, insurance information, and regulatory disclosures are provided by the applicable third-party provider.

You should carefully review the provider's disclosures and agreements before opening an account, acquiring a product, initiating a transaction, or using a financial service.

The availability of products and services may vary by provider, location, jurisdiction, and customer eligibility.

Not all products or services displayed or referenced through Capnova Pay are available to all customers or in all locations. Providers may establish, modify, or discontinue their products, eligibility requirements, features, rates, fees, and geographic availability.

Capnova Pay is not a bank and does not itself provide deposit insurance.

Whether funds associated with a particular third-party product or account are eligible for deposit insurance or other protections depends on the applicable provider, account structure, product, and applicable law.

Customers should review the applicable provider’s disclosures to determine whether and to what extent deposit insurance or other protections apply to a particular product or account.

Digital assets are not bank deposits and may not be protected by deposit insurance. Customers should review the applicable provider’s disclosures regarding custody, insurance, and other protections associated with digital-asset products or services.

Digital-asset products and services, where available, are offered by third-party providers and involve risk.

Digital assets may experience significant price volatility and may lose some or all of their value. Digital-asset transactions may also involve technological, cybersecurity, custody, liquidity, market, regulatory, and other risks.

Capnova does not guarantee the value, performance, security, availability, or future results of any digital asset or digital-asset service.

You should carefully review the applicable provider's risk disclosures before using a digital-asset product or service.

Information provided through Capnova Pay is for general informational purposes only and does not constitute investment, financial, legal, accounting, or tax advice.

Capnova does not determine whether a particular financial product or service is suitable or appropriate for you. You are responsible for evaluating products and services and, when appropriate, consulting qualified professional advisers before making financial decisions.

Information concerning third-party products and services may be provided by or derived from the applicable providers. Product features, fees, rates, eligibility requirements, availability, and other information may change.

The applicable provider's current terms, agreements, and disclosures control with respect to its products and services.

If you have questions about Capnova Pay or these disclosures, please contact:

Capnova Financial Services Inc. d/b/a Capnova Pay

Email: admin@capnovapay.com

Questions concerning a specific third-party financial product, account, transaction, eligibility decision, fee, or provider disclosure should be directed to the applicable provider.