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Updated April 15, 2024

Terms of Service

Pipe Technologies Inc. Terms of Service

Please review these Terms of Service (“Terms of Service”) before using or accessing the website located at and any subdomain thereof (the “Site”) and Pipe’s alternative capital platform, which may be used or accessed via the Site (the “Pipe Dashboard”). If you do not agree to these Terms of Service, you should exit this Site. To make these Terms of Service easier to read, the Site and Pipe’s and its affiliates’ services and applications accessible via the Site, including the Pipe Dashboard, are collectively called the “Services”. If you are accessing the Services on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms of Service, and "User" (or “you” and “your” as the context may require) will refer to that entity.

The Services are operated by Pipe Technologies Inc., a Delaware corporation  ("Pipe", "we" or "us"). By accessing or using the Services, you, the User, signify that you have read, understand and agree to be bound by these Terms of Service. In addition to these Terms of Service, you may enter into other agreements with us or our affiliates that will govern your use of specific aspects of the Services offered by us or our affiliates, such as (without limitation), agreements relating to advances you may request or other financing arrangements applicable to the Services (collectively, “Other Agreements”). If there is any contradiction between these Terms of Service and any Other Agreement you enter into for specific aspects of the Services, the Other Agreement shall take precedence in relation to the specific aspects of the Services to which it applies. 

Changes to these terms of service

We may make changes to these Terms of Service from time to time. If we do this, we will post the changed Terms of Service on the Site and will indicate at the top of this page the date the Terms of Service were last revised. You understand and agree that your continued use of the Services after we have made any such changes constitutes your acceptance of the new Terms of Service.

Eligibility, license and representations

Eligibility: General

The Services are intended solely for companies or legal entities with recurring revenues that are based in the United Kingdom or the United States that are in good standing in each jurisdiction in which they are registered to conduct business and that are not otherwise barred from using the Services under applicable law. The Services are not intended for individuals or sole traders. Specific aspects of the Services may be subject to additional requirements, including you continuing to meet (at Pipe’s sole determination) Pipe’s evaluation requirements from time to time, as further stated in the relevant Other Agreement. If you violate any of these Terms of Service, or otherwise violate an agreement between you and us, Pipe may terminate your access and use of Services, and delete your account and any content, data or information that you have posted on the Services and/or prohibit you from using or accessing the Services (or any portion, aspect or feature of the Services), at any time in its sole discretion, with or without notice.

Electronic Transactions and Disclosures

Because Pipe operates only on the Internet, you acknowledge that, should you use the Services, it is necessary to transact business with us online and electronically. As part of doing business with us or with our bank, payment, third-party referral or embedded partners (each, a “Partner”), we may need to obtain your signature to perform certain functions. In order to do this, we first need your consent to use electronic records and signatures. By providing your consent, you agree that we may send you any and all Communications in an electronic form. “Communications” means each disclosure, notice, agreement, undertaking, fee schedule, periodic statement, record, document or other information we provide to you (“Disclosures”), or that you sign or submit or agree to at our request, in connection with your relationship with us. You also consent to the use of electronic signatures as part of our transactions with you. 

By agreeing to these Terms of Service, you confirm your ability and agree to receive electronically all Disclosures from us or a Partner, rather than in paper form. In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form ("Electronic Records"). We may also use electronic signatures and obtain them from you as part of our transactions with you. Electronic Records may be delivered to you in a variety of ways. These various delivery methods may include email or posting on a website that we designate. By agreeing to these Terms of Service, you agree to use electronic records and signatures, which may include clicking a checkbox or a button.

You may withdraw your consent to receive Communications in electronic form at any time by contacting us If you do withdraw your consent, we will send subsequent Communications to you in writing to the most current mailing address we have for you in our records.  If you withdraw your consent or refuse to provide it, we will be unable to provide certain services to you. If you require paper copies of such Disclosures, please email us at

CUSTOMER COMMUNICATIONS: By accepting these Terms of Service, you acknowledge that it is necessary to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes in connection with the provision of the Services, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS messages (including text messages), calls using pre-recorded messages or artificial voice, and calls and messages delivered using auto telephone dialing system or an automatic texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and do not relate to another individual or business. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number.

To unsubscribe from text messages at any time, reply STOP to any text message you receive from Pipe. You acknowledge that following such a request to unsubscribe, you may receive one final text message from Pipe confirming your request. For help, contact us at

TELEMARKETING CALLS: For marketing calls, text and emails (i) we, our agents, representatives, affiliates, third parties, and anyone calling on our behalf may call, email or SMS messages (including text messages) you at the numbers and addresses you have provided for purposes of describing goods and services that may be of interest to you, offered by us, our affiliates and/or third parties; (ii) these calls, text and email messages may be made using an automatic dialing or email system technology and/or involve prerecorded and/or artificial voice messaging. To the extent that we process your personal data in making any such calls, we will do so in accordance with our Privacy Policy. 

CALL RECORDING AND MONITORING: You acknowledge that is necessary for us to record and monitor, for quality assurance, training, risk management and/or collection purposes, any call that you place with us (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) or that we (or our agents, representatives, affiliates, third parties or anyone calling on our behalf) place to you.

Doing Business Electronically. You confirm that you have the required hardware and software capabilities needed to use the Services.

Change in Your Contact Information. You will keep us informed of any change to your email address, telephone number and primary business address.

Proprietary Rights in Services Content; Limited License

All content on the Services, including but not limited to designs, text, graphics, pictures, video, data, information, software, music, sound and other files, and their selection and arrangement (the “Services Content”), are the proprietary property of Pipe or its licensors with all rights reserved. No Services Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Pipe's prior written permission, except as provided in the following sentence and except that the foregoing does not apply to your own User Content (as defined below). Provided that you are eligible for use of the Services, you are granted a limited, non-exclusive, fully revocable license to access and use the Services and to download or print a copy of any portion of any content on the Site solely for your use in connection with your use of the Services, provided that you keep all copyright or other proprietary notices intact. Except for your own User Content (as defined below), you may not republish Services Content on any Internet, Intranet or Extranet site or incorporate the information in any other database or compilation, and any other use of the Services Content is strictly prohibited. Any use of the Services or the Services Content other than as specifically authorized herein, without the prior written permission of Pipe, is strictly prohibited and, without prejudice to any other rights available to Pipe, will terminate the license granted herein. Unless explicitly stated herein, nothing in these Terms of Service shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable by us at any time without notice and with or without cause.

Registration for the services

For certain features of the Services, you’ll need an account.

By registering for an account with the Services, you certify that:

  • Any information or data you provide to us, both when you register and, in the future, is and will be true, accurate, current and complete;

  • You are only registering an account for a business registered in the United Kingdom or United States and comply with the requirements of these Terms of Service; and

  • You will keep all information and data up-to-date.

By registering for an account with the Services, you further confirm the following:

You understand that Pipe may use and analyze your information and data in order to (a) provide you with capital offers, (b) monitor your eligibility for future capital offers, (c) provide you with a better experience; (d) provide you with customized recommendations; (e) serve you targeted offers and advertisements; (f) run statistical analysis; and (g) aggregate your data and publish results in a way that cannot identify you individually.

You will grant (or procure the grant of) such access as Pipe may require to connect to any appropriate data sources in order to supply the Services to you, including (without limit) any third party payroll service, bank, recurring revenue subscription software or payment processing services that you use. You will provide, and shall procure that any such third party provides, Pipe with all necessary cooperation in connection with the same. The supply of the Services by Pipe is conditional upon such access and cooperation.

You further acknowledge and agree that Pipe may disclose certain of your data (including Registration Data (as defined below) and/or User Content) (i) to Pipe’s Partners for business or marketing purposes, including if you were referred to the Services from a Partner of Pipe or if you signed up for Pipe in connection with your use of a third-party service that provides an integration with Pipe, and (ii) to third parties as reasonably necessary (in Pipe’s good-faith discretion) to provide and maintain the Services, and as otherwise required by applicable law.

Registration Data; Account Security

In consideration of your use of the Services, you agree to (a) provide accurate, current and complete information and data about you and your business, in each case as may be prompted by any registration forms on the Services or otherwise requested by Pipe ("Registration Data"), including the business or entity's full legal name; (b) provide such materials as Pipe may request to establish and/or verify your authority to enter into binding agreements, your legal existence, good standing in any jurisdiction and eligibility to use the Services; (c) maintain the security of your password and identification; (d) maintain and promptly update the Registration Data, and any other information or data you provide to Pipe, to keep it accurate, current and complete; (e) promptly notify Pipe regarding any material changes to information, data or circumstances that could affect your eligibility to continue to use the Services or the terms on which you use the Services; and (f) be fully responsible for all use of your account and for any actions that take place using your account. In the event that a third party gains access to your username or password, you should notify us immediately by emailing We are not liable for any loss resulting from your failure to protect the confidentiality of your username or password.

Furthermore, you represent and warrant and agree that you will not represent or portray your business or entity as being affiliated with Pipe in any capacity other than being a User of the Services without Pipe's prior written consent.


To help fight the funding of terrorism and money laundering activities, applicable law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. 

Restrictions on use

You represent, warrant and agree that no materials of any kind submitted through your account or otherwise posted or shared by you through the Services will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory, fraudulent or otherwise unlawful material. You further agree not to harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information or data from the Services for any other purpose. You further agree that you may not use the Services in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Services. In addition, you agree not to use the Services to:

  • upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;

  • except where authorized by Pipe, register for more than one User account, or operate a User account on behalf of or for the benefit of any person or entity who is not eligible to register for or operate a User account in their own name;

  • operate or otherwise utilize an account for any purpose prohibited by law or regulation, any activity which you are not duly authorized to conduct, or for any purpose prohibited by any other agreement between you and Pipe or a Partner     

  • impersonate any person or entity, or falsely state or otherwise misrepresent yourself, or your affiliation with or authority to act on behalf of any person or entity;

  • upload, post, transmit, share or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;

  • upload, post, transmit, share or otherwise make available any material that contains software viruses or any other malicious or tracking computer code, files or programs designed to track, interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

  • upload, post, transmit, share, store or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;

  • use or attempt to use another's account, service or system without authorization from that person and Pipe, or create a false identity on the Services; or

  • upload, post, transmit, share, store or otherwise make available content that, in the sole judgment of Pipe, is objectionable or which restricts or inhibits any other person from using or enjoying the Services, or which may expose Pipe or its users to any harm or liability of any type.

Additional Representations

In addition to the User Representations you further agree and confirm that:

  • you will not communicate with any other user of the Services regarding any advance request made by you;

  • you will not represent or portray the business or entity as anything other than a seller in connection with its advance request without Pipe's prior written consent.

Restrictions on Data Collection/Termination

Without our prior consent, you may not:

  • use any automated means to access this Site or collect any information or data from the Services (including, without limitation, robots, spiders, scripts or other automatic devices or programs);

  • frame the Site, utilize framing techniques to enclose any Services Content or other proprietary information or data, place pop-up windows over this Site's pages, or otherwise affect the display of this Site's pages;

  • engage in the practices of "screen scraping," "database scraping" or any other activity with the purpose of obtaining content or other information or data;

  • upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any Pipe member or third party;

  • Use data provided by Pipe, provided in any manner whatsoever, for any competing uses or purposes. You further agree that you have never used data, provided in any manner whatsoever, from Pipe in the past to compete with the products or services of Pipe; or

  • use the Services in any manner that violates applicable law or that could damage, disable, overburden, or impair this Services or interfere with any other party's use and enjoyment of this Services

We may terminate, disable or throttle your access to, or use of, the Services at any time without notice for any reason, with or without cause at our sole discretion.

The following provisions of these Terms of Service shall survive termination of your use or access to the Services: the sections concerning “User Content”, “Disclaimers”, “Indemnity”, “Limitation on Liability”, “Governing Law and Jurisdiction”, “Others”, and any other provision that by its terms survives termination of your use or access to the Services.

User content

You are solely responsible for the personal or business information, data photos, profiles, messages, notes, text, music, video, contact information for you or others, advertisements or other content that you upload, publish, provide or display (hereinafter, "post") on or through the Services (collectively the "User Content"). You understand and agree that Pipe may, but is not obligated to, review and delete or remove (without notice) any User Content in its sole discretion, including without limitation, User Content that in the sole judgment of the Company violates these Terms of Service, might be offensive or illegal, or might violate the rights of, harm, or threaten the safety of, other users or others.

By posting User Content on or through the Services, you automatically grant, and you represent and warrant that you have the right to grant, to Pipe an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, publicly perform, publicly display, modify, create derivative works, reformat, translate, excerpt (in whole or in part) and distribute such User Content in connection with operating and providing the Services, including in connection with underwriting, risk management and marketing activities. You may remove your User Content from the Services at any time. If you choose to remove your User Content, the license granted above will not expire.

Services we may provide to you

As part of our Services, we may provide you with analysis or estimates. Any such information or data is illustrative and for informational purposes only. We base our analysis and estimates on certain assumptions and data that might be available to us. Our analysis and estimates are uniquely ours and are not endorsed by any third-party partner. Furthermore, any analysis or estimate is determined by our own proprietary methodology. As such, we may change, alter, or modify any methodology at any time and elect to emphasize, ignore, or alter certain factors in our sole and absolute discretion.

Our Services are intended to be utilized within the United Kingdom (where they are accessed from the United Kingdom) or the United States. We make no representations or warranties that the information, data products, or services provided through our Services, or the Services Content, are appropriate for other jurisdictions. If necessary, we reserve the right to limit the availability of our Services to any person, geographic area, or jurisdiction, at any time and in our sole discretion.

Intellectual property matters


“Pipe” and other Pipe’s graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks, trademarks or trade dress of Pipe in the U.S. and/or other countries. Pipe's trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Pipe.

Copyright Complaints

If you believe that any material on the Site infringes upon any copyright which you own or control, you may send a written notification of such infringement to


You may, from time to time, provide Pipe with any suggestions, comments, feedback or the like with regard to the Services (collectively, “Feedback”).  You hereby grant Pipe a perpetual, irrevocable, worldwide, fully-paid up, sub-licensable, royalty free right and license to use and exploit all Feedback in connection with Pipe’s business purposes, including, without limitation, the testing, development, maintenance, and improvement of the Services.

New features

Pipe may grant you a limited, revocable, non-transferable, and non-sublicensable license to access and use new features that are marked as alpha or beta versions during a limited period of time for demonstration, testing, or evaluation purposes (a “New Feature”). A New Feature may be unstable or incomplete, changed in backward-incompatible ways, have significant design issues and not be guaranteed to be released and generally available. 

The terms of this section supersede any conflicting terms and conditions in these Terms of Service with respect to any New Feature. Pipe may suspend or terminate the license granted in this section at any time and for any or no reason without notice. You acknowledge and agree that a New Feature may be disabled after the expiration or termination of the evaluation period.

Miscellaneous terms

‍Links to Other Web Sites and Content

The Site contains (or you may be sent through the Services) links to other websites ("Third Party Sites"), as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, data, software and other content belonging to or originating from third parties (the "Third Party Content"). Such Third-Party Sites and Third-Party Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Sites or Third Party Content accessed through the Services, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third-Party Sites or the Third-Party Content. Inclusion of or linking to any Third-Party Site or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Sites, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site.


Pipe processes personal data in accordance with its Privacy Policy, which is available at


None of Pipe's, its parent, any of its affiliates, subsidiaries, providers or their respective officers, directors, employees, agents, independent contractors or licensors (collectively the "Pipe Parties") guarantees the accuracy, adequacy, timeliness, reliability, completeness, or usefulness of any of the Services Content and the Pipe Parties disclaim liability for errors or omissions in the Services Content.


Although we provide rules for User conduct and postings, we do not control and are not responsible for any User Content. Pipe is not responsible for the conduct, whether online or offline, of any user of the Services. Pipe cannot guarantee and does not promise any specific results from use of the Services to obtain an advance.

The Services may be temporarily unavailable from time to time for maintenance or other reasons. Pipe assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, User communications. Pipe is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or on the Services or combination thereof, including injury or damage to Users or to any other person's computer related to or resulting from participating or downloading materials in connection with the Web and/or in connection with the Service. Under no circumstances will Pipe be responsible for any loss or damage to any User Content.

Pipe reserves the right to change any and all content contained on the Services at any time without notice. Reference to any products, services, processes or other information or data, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by Pipe.

Limitation on Liability




Governing Law and Jurisdiction

These Terms of Service and any claim, controversy, dispute, or cause of action (whether in contract or tort or otherwise) based upon, arising out of, or relating to these Terms of Service and the Services contemplated hereby shall be governed by, and construed in accordance with, the laws of the State of Delaware, without regard for conflict of law principles, regardless of what laws govern the parties’ other rights, remedies, liabilities, powers and duties.


Arbitration. Any controversy or claim based upon, arising out of, or relating to these Terms of Service and the Services shall be settled by arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules before a single arbitrator and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.  Notwithstanding the provisions in this section referencing substantive law, the Federal Arbitration Act (9 U.S.C. §§ 1-16) will govern any arbitration conducted pursuant to this Agreement.

Location, Service of Process and Fees. The Arbitration will take place at the AAA location closest to your principal business address or virtually. For arbitration, You and Pipe irrevocably and unconditionally consent to service of process through personal service at your corporate headquarters, registered address, or primary address. Nothing in the Agreement will affect the right of either party to serve process in any other manner permitted by applicable law. Pipe will advance the arbitration fees and arbitration costs totaling up to two-thousand ($2,000) USD. Thereafter, each party will advance one-half of the fees and expenses of the arbitrators. Pipe will only pay any fees issued by AAA and will not cover any costs you incur for the arbitration, including costs related to representation. 

Arbitration Process. The Arbitration will take place before a single arbitrator. In disputes where no claim or counterclaim exceeds $75,000 (exclusive of interest, attorney’s fees and arbitration fees and costs) the AAA Expedited Procedures will apply. Where no party’s claim exceeds $25,000 (exclusive of interest, attorney’s fees and arbitration fees and costs) the matter will be submitted for disposition on the papers in accordance with the AAA rules. 

CLASS ACTION & JURY WAIVER. To the fullest extent permitted by applicable law, the Parties agrees that any dispute based upon, arising out of, or relating to these Terms of Service and the Services, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to the Agreement or any of the transactions contemplated between the parties. 

Award.  Subject to the limitations of liability identified herein, the Arbitrator may award monetary damages, including allowing Pipe to recoup any arbitration fees it may have advanced, and any other remedies allowed by the laws of the State of Delaware. In making a determination, the Arbitrator may not, nor do they have the authority, to modify any term or provision of the Agreement. The arbitrator will deliver a written decision with respect to the final decision. The arbitrator may award, if any, the costs and attorney’s fees reasonably incurred by the prevailing party and any award may be offset by an opposing awards of costs or legal fees.


You agree to indemnify and hold Pipe and the Pipe Parties, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney's fees, arising out of or in connection with (a) your access to or use of the Services, (b) your User Content, or (c) your violation of these Terms of Service or of any law or the rights of any third party.


These Terms of Service (together with all applicable Other Agreements) constitute the entire and exclusive understanding and agreement between Company and you regarding the Services, and these Terms of Service (together with all applicable Other Agreements) supersede and replace all prior oral or written understandings or agreements between Pipe and you regarding the Services. The failure of Pipe to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision in that or any other instance. If any provision of these Terms of Service is held invalid, the remainder of these Terms of Service shall continue in full force and effect. If any provision of these Terms of Service shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Service and shall not affect the validity and enforceability of any remaining provisions. You may not assign or transfer these Terms of Service, by operation of law or otherwise, without Pipe’s advance written consent. Any attempt by you to assign or transfer these Terms of Service, without such consent, will be null. Pipe may freely assign or transfer these Terms of Service without restriction. Subject to the foregoing, these Terms of Service will bind and inure to the benefit of the parties, their successors and permitted assigns.

Contact Information

If you have any questions about these Terms of Service or the Services, please contact Pipe at

Local Law Amendments

If you are using the Services in the United Kingdom or European Economic Area:

  • we do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors, for fraud and for fraudulent misrepresentation; and

  • if you are using the Services for business purposes, we will not be liable under contract, tort (including negligence), or otherwise for: (i) loss of sales, business, or revenue, (ii) business interruption, (iii) loss of anticipated savings, or (iv) loss of business opportunity, goodwill or reputation, in each case whether direct or indirect.

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