Levante Services Terms

Version 1.1. Effective date: September 15, 2026.

These Terms govern the services provided by Levante Financial Technologies Inc., carrying on business as Levante (“Levante”, “we”, “us”), and your use of withlevante.com and the Levante platform. You accept them by signing an Order Form, creating an account, or using the services.

1. Business use only

Levante serves businesses: corporations, sole proprietorships, partnerships, professional practices and other organizations we accept as clients. You confirm that you are at least 18 years old and have authority to bind the client named in your Order Form. Personal income tax returns are included only for the owners named in your Order Form.

2. What makes up the agreement

Your agreement with Levante consists of, in this order of precedence:

1. your Order Form;
2. these Terms;
3. the Privacy Policy; and
4. any schedule, authorization or written amendment you and Levante accept.

Your professional accounting and tax services are provided by the registered CPA firm named in your Order Form (the “Firm”) under the Firm’s own engagement letter with you. That engagement letter is a separate agreement between you and the Firm. It is not part of this agreement, and these Terms do not change it. The Firm’s work is part of what your subscription buys; its fees are included in your subscription fee (section 9).

3. What Levante provides

Depending on your plan, Levante provides:

• the client platform: portal, document collection and reminders, bank and card feeds, integrations, and a record of every action taken on your file;
• bookkeeping: transaction categorization, ledger maintenance, bank and card reconciliations, accounts receivable and payable records, and month-end close tasks;
• payroll processing, where included: pay runs, source-deduction calculations, pay statements, remittance filings on your payroll account as your authorized representative, and T4, T4A and ROE preparation. Payments to employees and to government are always initiated from your own accounts;
• management reporting: financial views, dashboards and reports prepared from your books for your internal use;
• support to the Firm’s work: assembling the documents, data and draft workpapers the Firm needs for your tax and year-end deliverables, under the Firm’s direction and review;
• administration: CRA administrative access under your authorization, billing, support and data exports.

The services included in your subscription are those stated in your Order Form. Anything else is out of scope and needs your written approval, and a quoted fee where one applies, before it is charged.

4. Your CPA firm

Your subscription includes the work of a registered CPA firm. The Firm named in your Order Form prepares, reviews and files your tax returns, gives tax advice for your business, reviews and signs off your books, handles CRA letters, enquiries and CRA tax audits, and issues compiled financial statements when you need them, under its own engagement letter with you and on its own professional registration, insurance and electronic-filing credentials. The Firm decides what it accepts, reviews and signs. You pay one Levante subscription; the Firm’s fees for this work are included in it.

Levante itself is not a CPA firm and does not give tax or accounting advice. Levante runs the platform, the bookkeeping, payroll processing, reporting and administration, and prepares the documents, data and draft workpapers the Firm works from.

Neither Levante nor the Firm offers audit engagements, review engagements or other assurance engagements, legal, investment, valuation, insolvency or litigation advice, or formal tax opinions. A CRA tax audit is not an audit engagement: it is the CRA examining your filings, and handling it is included in your plan.

Nobody guarantees a tax outcome, a refund, an assessment result, a financing result, or acceptance by a government authority or any third party.

5. Your responsibilities

You agree to:

• provide complete, accurate and timely information, and disclose all material transactions and circumstances;
• keep lawful and accurate business records; contracting with Levante does not remove that obligation;
• connect or provide access to the agreed accounts and systems, and provide requested invoices, receipts, contracts, statements and supporting records;
• answer material questions within a reasonable time;
• review what is presented for your approval, and approve filings and sign required authorizations before anything is submitted;
• pay taxes, instalments, payroll deductions, GST/HST, penalties and other government amounts when due;
• keep control of your bank accounts and funds;
• tell Levante promptly about errors, unauthorized activity, government notices, assessments, audits or material changes in your business; and
• comply with applicable laws.

You remain responsible for your business, records, tax obligations, filings, representations and decisions, even where Levante or the Firm assists with their preparation.

6. Reliance on what you give us

Levante may rely on information supplied by you, your personnel and representatives, connected systems, financial institutions, government accounts and other authorized sources. Unless your Order Form says otherwise, Levante does not audit, verify or investigate every item provided.

Levante is not responsible for an error, delay, missed deadline, incorrect filing, reassessment, interest or penalty to the extent it is caused by incomplete, inaccurate, misleading or late information; omitted transactions or accounts; late responses or approvals; changes made by you or a third party; unavailable third-party systems; failure to follow Levante’s reasonable instructions; or events outside Levante’s reasonable control.

7. Connected accounts and authorizations

You authorize Levante to access and process information from the accounts and systems you connect or identify for the services.

That includes, when you choose to connect them, file storage, email and messaging accounts and other business systems where your records live. Access to those sources is read-only unless you authorize otherwise and is used to locate, retrieve and match the records the services need, such as an invoice, a receipt, a contract or a statement. Levante may keep secure, searchable copies of records from those sources to the extent the services need them, under section 16. Connecting a source is your authorization for it; you may add a source at any time and disconnect any source at any time, which may limit the services.

Bank and card connections are made through a third-party data-access provider: you authenticate directly with your bank, and Levante receives read-only transaction data. Levante never receives or stores your banking credentials.

Where asked, you will authorize Levante with the Canada Revenue Agency as a representative at the access level stated in your Order Form, and separately authorize the Firm for its filings; approve secure data connections and delegated access to your accounting, payroll, invoicing and document systems; sign electronic filing forms; and authorize communications with the advisors or providers you identify. You confirm that you have authority to grant every access you provide.

Levante never holds, pools or moves your money. Payments to employees, suppliers and government are initiated from your own accounts unless a separate written authorization says otherwise.

8. How the work is done

Levante uses software agents and automated workflows to perform and support the services: extracting information from documents, categorizing and matching transactions, identifying missing items and exceptions, searching the sources you have connected for the supporting record of a transaction, preparing reconciliations, drafting communications and workpapers, and routing items for review.

Mechanical and administrative work is performed by the platform and logged. Anything that requires professional judgment, including tax positions, accounting treatments, advice and every filing, is governed by the Firm’s professional standards, is reviewed at the points the Firm sets, and is approved by the Firm’s responsible professional. No filing and no professional judgment is approved solely by an automated system.

Automated work can contain errors. Levante corrects errors it is responsible for at no charge once it is told about them. You consent to the use of automation as described here and in the Privacy Policy.

9. Fees and billing

Your fees are stated in your Order Form. Unless it says otherwise:

• fees are charged monthly in advance and the subscription renews monthly;
• applicable taxes are added;
• you authorize Levante or its payment provider to charge your chosen payment method;
• amounts are in Canadian dollars; and
• fees are not refunded once a billing period has begun, except where the law requires.

Your subscription fee includes the Firm’s fees for the services within your plan. Levante invoices and collects those fees on the Firm’s behalf and remits them to the Firm. The allocation of your fee between Levante and the Firm is set by their agreement and may change from time to time without affecting your price or your services. Your invoice shows your total fee and applicable taxes.

Out-of-scope work, including historical catch-up, defined planning projects, and entities or individuals not named in your Order Form, is quoted and approved in writing before it is charged.

If a payment fails or is overdue, Levante may retry the payment method, charge interest at 1.5% per month (19.56% per year), suspend some or all services, withhold non-statutory deliverables, and terminate the agreement after notice.

Levante may change recurring fees on at least 30 days’ notice, effective at the next renewal after the notice period. A price lock in your Order Form prevails for its term.

10. Cancellation and exit

You may cancel at any time through your account or by writing to us. Cancellation takes effect at the end of the current paid billing period, and there is no partial-month refund; services continue through that date. Cancellation does not remove your obligation to pay fees already incurred, approved out-of-scope work, government amounts, or third-party charges incurred on your instructions.

When the relationship ends, for any reason, Levante provides a complete export of your books, documents and history in standard formats within 48 hours, at no charge, and afterwards deletes or de-identifies identifiable copies as described in the Privacy Policy. Reconstruction or custom work beyond the export is quoted separately.

Your engagement with the Firm is governed by its engagement letter and does not end because this agreement ends. You always remain free to choose or replace your professional provider.

11. Suspension and termination by Levante

Levante may suspend or terminate services immediately where reasonably necessary because of non-payment; suspected fraud or unlawful activity; abusive or threatening conduct; a security risk or unauthorized access; a conflict of interest or a professional or regulatory concern raised by the Firm; instructions Levante reasonably believes are false, misleading or improper; repeated failure to provide necessary information; or a legal or regulatory requirement.

Either party may otherwise end the agreement as your Order Form permits. On termination, outstanding amounts become due; Levante may complete legally necessary withdrawal or transition steps; each party protects the other’s confidential information; Levante may keep records as the law, professional obligations or the Privacy Policy require; and provisions meant to survive termination survive. Section 10 governs your export.

12. Deadlines and filing approval

Levante uses commercially reasonable efforts to meet agreed timelines. Every deadline depends on timely receipt of complete information, your responses, approvals, signed forms and payment.

The Firm will not file a return without your approval and signed authorization, and may decline to file anything it reasonably believes is incomplete, inaccurate, unsupported, unlawful or professionally inappropriate. Neither Levante nor the Firm is responsible for a missed deadline or resulting charge to the extent you did not provide the required information, authorization, payment or approval by the communicated cutoff date.

13. Communications

You consent to receiving service communications electronically, including through email, messaging, the client portal, video calls and connected applications: requests for information, approvals, reports, tax documents, billing and deadline notices, and legally required communications. You are responsible for keeping your contact information current and for protecting access to your email, devices and accounts.

14. Confidentiality

Each party protects the other’s confidential information with reasonable care and uses it only for the purposes of the agreement. Levante may disclose confidential information to the Firm and to the personnel, contractors and service providers who need it to perform the services; with your authorization; as required by law or professional obligations; or as the Privacy Policy permits. Confidentiality does not cover information that becomes public without breach, was already lawfully known, is lawfully received from another source without a confidentiality obligation, or is independently developed.

15. Privacy

Levante handles personal information in accordance with its Privacy Policy. You are responsible for giving the notices and obtaining the consents the law requires before providing Levante with personal information about another individual, including your employees, customers and suppliers.

16. Your data

“Client Data” means the records, documents, information and content submitted by or for you, or obtained from accounts you authorize Levante to access. As between you and Levante, you own Client Data.

You grant Levante a non-exclusive right to host, copy, process, transmit, transform and disclose Client Data as reasonably necessary to provide the services, comply with the agreement and with legal and professional obligations, maintain security, and prevent fraud and abuse.

Levante uses Client Data to build, test and improve its software and agent workflows, under the same confidentiality and access limits as the services themselves. Levante does not train machine-learning models on Client Data and does not sell it.

Access to Client Data is limited to the people and systems that need it to do the work, and the systems we use keep their own audit logs. You confirm that you have all rights and authorizations needed to provide Client Data to Levante.

17. Levante’s intellectual property

Levante and its licensors keep all rights in the website, software, agents and automated systems, internal tools, workflows, prompts, templates, methods, interfaces, designs, documentation and processes, and in improvements to them. You may use the final reports, filings and deliverables prepared for you for your own business and tax purposes. You may not copy, reverse engineer, resell, sublicense or commercially exploit Levante’s technology or methods. General knowledge, skills and non-client-specific methods developed during the engagement remain Levante’s.

18. Third-party services

The services depend on third-party platforms, including accounting software, financial institutions and the bank data-access provider, AI providers, cloud infrastructure, tax software, payment processors and communication tools. Those services are governed by their own terms and may change, fail or become unavailable. Levante is not responsible for a third-party service except where a loss is directly caused by Levante’s failure to use reasonable care in selecting, configuring or managing it.

19. Changes to the service

Levante may change its systems, workflows, providers, integrations and features as the service develops, and may offer early-access functionality that may change or contain defects. Levante will not materially reduce an active client’s agreed service scope during a paid billing period without notice, except where security, legal, professional or regulatory reasons require it.

20. Management use only; no third-party reliance

Reports, dashboards and figures produced by the platform are prepared for your internal management use and are labelled accordingly. They are not audited, reviewed or compiled financial statements, and no lender, investor, purchaser, regulator or other third party may rely on them. Statements intended for third-party reliance are a separate engagement with the Firm. You will not represent that Levante or the Firm has provided assurance where it has not.

21. Disclaimers

Levante performs its services with commercially reasonable care. Except for express commitments in the agreement, the website, platform, integrations and non-regulated service components are provided “as is” and “as available”, and Levante disclaims implied warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability and error-free operation to the extent the law allows. Levante does not guarantee that every error, irregularity, fraud or unlawful act will be detected; that every tax position will be accepted or no filing reassessed; that third-party systems will remain available; or that estimates, forecasts or management reports will prove accurate.

22. Limitation of liability

To the extent the law allows, neither party is liable for indirect, incidental, special, exemplary or punitive damages; lost profits, revenue, opportunity, goodwill or anticipated savings; business interruption; or loss of data that could reasonably have been backed up or recovered.

Levante’s total liability arising from or relating to the agreement will not exceed the fees paid or payable by you to Levante during the three months before the event giving rise to the claim. Claims arising from the same or related facts count as one claim.

Levante is responsible for its own services. The Firm is responsible for its professional services under its engagement letter and its professional liability insurance. Neither is liable for the other’s work.

These limits do not apply to liability that cannot legally be limited, or to a party’s fraud or wilful misconduct.

23. Indemnity

You will indemnify Levante and its directors, officers, personnel, contractors and service providers against third-party claims, losses, penalties and reasonable legal costs arising from Client Data you were not authorized to provide; your unlawful or fraudulent conduct; your breach of the agreement; your instructions to omit, conceal or misrepresent information; unauthorized access caused by your failure to protect credentials; or your violation of another person’s rights. This indemnity does not apply to the extent a claim was caused by Levante’s negligence, breach, fraud or wilful misconduct.

24. Governing law and disputes

These Terms and the agreement are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario. Before starting proceedings, the parties will try in good faith to resolve a dispute through discussion between authorized representatives. Failing that, the courts of Ontario have exclusive jurisdiction, and each party submits to them. Either party may seek urgent injunctive or protective relief at any time.

25. Changes to these Terms

Levante may update these Terms to reflect changes in the services, the law, technology, providers or business practices, and will post the updated Terms with a new version number and effective date. A material change affecting an active subscription takes effect after reasonable notice, normally at the next renewal, and never reduces a price lock or agreed scope during its term. Continued use after the effective date is acceptance.

26. General

Neither party may assign the agreement without the other’s consent, except that Levante may assign it in a corporate reorganization, financing, merger, acquisition or sale of substantially all relevant assets. Levante may use contractors and service providers for its own services while remaining responsible for them; the Firm is not Levante’s contractor. Neither party is liable for delay caused by events beyond its reasonable control, which does not excuse payment. An unenforceable provision is modified only as far as needed, and the rest continues. Not enforcing a provision is not a waiver. The agreement is the entire agreement on its subject and replaces prior discussions. Headings are for convenience. Electronic acceptance and electronic signatures are binding. The parties have asked that this agreement be drafted in English.

27. Contact

Levante Financial Technologies Inc., carrying on business as Levante
499 Preston St., Ottawa, Ontario K1S 4N7
hello@withlevante.com · withlevante.com

28. Version history

• Version 1.1, September 15, 2026: section 7 (connected file storage, email and messaging sources) and section 8 (searching connected sources for supporting records).
• Version 1.0, August 27, 2026: first version. Earlier versions are available on request.