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CapitalLine Terms of Service

Last updated: September 28, 2026

These Terms of Service ("Terms") are an agreement between you, the business signing up ("you" or "Client"), and CapitalLine ("CapitalLine", "we" or "us"). They cover our AI receptionist service, social media content services, and our website at capitallineai.com (together, the "Services"). By checking the box at sign-up, or by using the Services, you agree to these Terms.

1. Who the Services are for

The Services are for businesses and self-employed professionals, not for personal or household use. By signing up, you confirm that you are using the Services for your business and that you have authority to agree to these Terms on its behalf.

2. The AI receptionist

  • What it does. An AI voice assistant answers calls forwarded to a phone number we provide. It greets callers in your business's name and collects their details and request. It sends you a summary by email, and it transfers calls to you when you've set that up.
  • It's an AI. Your receptionist tells callers it is an AI assistant if they ask. It may occasionally mishear, misunderstand, or give an incomplete answer. You're responsible for reviewing call summaries and following up with your callers.
  • Not an emergency service. The receptionist tells callers with an emergency to call 911, but it is not a substitute for emergency services or a monitored answering service. Don't rely on it for life-safety situations.
  • Availability. We aim for the service to be available 24/7. However, calls can be missed or dropped because of outages at our providers, your phone carrier, or your call-forwarding settings. We don't guarantee that every call will be answered.
  • Your setup. You're responsible for:
    • forwarding your business line to your CapitalLine number;
    • keeping your business details, hours and instructions accurate;
    • telling us about changes you want made.

3. Your phone number

We provide a local phone number for your receptionist. That number is licensed to CapitalLine and is not transferable, unless we agree otherwise in writing. Your own business phone number always stays yours: we never take over or port your number.

After you cancel, we may release the CapitalLine number 30 days after your service ends. Before you cancel, turn off call forwarding so your callers aren't sent to an inactive line.

4. Free trial

New AI receptionist plans include a 30-day free trial. A payment card is required to start it.

  • Cancel before your trial ends and you pay nothing.
  • If you don't cancel, your card is charged the monthly plan price when the trial ends, and every month after that until you cancel.
  • We'll email you a reminder before your trial ends.
  • One free trial per business.

5. Plans, minutes and billing

  • Month to month. There is no long-term contract. Plans renew automatically each month on your billing date until you cancel.
  • Prices. Prices are in Canadian dollars, plus applicable taxes. We may change prices by giving you at least 30 days' notice by email. The new price applies from your next billing date after the notice period.
  • Minutes.
    • Starter includes 200 call minutes a month.
    • Pro includes 500 call minutes a month.
    • Unlimited is subject to the fair-use policy below.
    • Unused minutes don't roll over.
    • If you regularly go over your plan's minutes, we'll contact you about moving to a plan that fits. Minutes over your allowance may be billed at $0.35 per minute.
  • Unlimited fair use. The Unlimited plan is intended for the normal call volume of a single business. It includes up to 2,000 call minutes a month. Minutes beyond that are billed at $0.35 per minute. We'll let you know before any overage is charged.
  • Payment. Payments are processed by Stripe. You authorize us to charge your card on file for your plan and any overage.
    • If a payment fails, we'll let you know and retry.
    • If a payment is still outstanding 14 days after the due date, we may pause your service until it is paid.

6. Cancellation and refunds

  • How to cancel. Cancel any time by emailing hello@capitallineai.com or by using the billing link in your receipts. There are no cancellation fees.
  • When it takes effect.
    • Your plan stays active until the end of the billing period you've already paid for, and it won't renew after that.
    • If you cancel during your free trial, service ends when the trial ends and you aren't charged.
  • Refunds.
    • Monthly fees are non-refundable. We don't give partial refunds for unused days or minutes.
    • If you were charged in error, contact us within 30 days and we'll make it right.
  • Social media services.
    • Monthly social media plans can be cancelled with notice before your next billing date.
    • Work that is already scheduled or delivered for the current month is not refundable.

7. Social media content services

  • Approval. For social media plans, we create and post content for your business according to your plan. You'll have the chance to review content before it's posted, and you're responsible for approving it.
  • Accuracy. You confirm that the information, photos, logos and other materials you give us are accurate and that you have the right to use them.
  • Ownership. Once your invoice is paid, you own the final content we create for you.
  • Portfolio. We may show that work as an example of our services unless you ask us not to.
  • Results. We don't guarantee any particular number of followers, views, leads or sales.

8. Acceptable use

You agree not to use the Services:

  • for anything illegal, deceptive or harassing;
  • to make or facilitate unsolicited marketing or robocalls;
  • to collect sensitive information the Services aren't designed for, such as payment card numbers or health records;
  • in a way that interferes with the Services or our providers.

We may suspend or end your service if you break these rules.

9. Call recordings and your callers' information

  • Recording. Calls to your receptionist are recorded and transcribed so we can create call summaries, improve your receptionist and resolve issues.
  • Notice to callers. On request, we'll add a recording notice to your greeting, such as "this call may be recorded". You're responsible for making sure your use of the Services, including any caller notice or consent, complies with the laws that apply to your business. This matters in particular if you serve callers in U.S. states that require all parties to consent to recording.
  • Who controls caller information. Your callers' information belongs to you. We process it on your behalf to provide the Services, as described in our Privacy Policy.

10. Service providers

We use trusted third-party providers to run the Services, including:

  • voice AI and telephone carriers, such as Retell AI and Twilio;
  • AI language models;
  • Google Workspace, for email and records;
  • Stripe, for payments.

Some of these providers store or process data outside Canada, including in the United States.

11. Changes to the Services or these Terms

We may update the Services and these Terms from time to time. If we make a material change to these Terms, we'll email you at least 30 days before it takes effect. If you continue using the Services after that, you accept the updated Terms. If you don't agree, you can cancel before the change takes effect.

12. Disclaimer and limit of liability

  • As-is. The Services are provided "as is" and "as available".
  • Missed calls. To the extent the law allows, we're not responsible for:
    • lost business, revenue or profits;
    • missed or mishandled calls or messages;
    • indirect or consequential losses.
  • Cap. Our total liability for any claim relating to the Services is limited to the fees you paid us in the three months before the claim arose.
  • Your statutory rights. Nothing in these Terms limits rights you have under law that cannot be waived.

13. Ending the agreement

  • You can cancel at any time, as described in section 6.
  • We can end your service:
    • with 30 days' notice for any reason; or
    • immediately if you seriously break these Terms.

Sections 3, 6, 9, 12 and 14 continue to apply after the agreement ends.

14. General

  • These Terms are governed by the laws of Ontario and the federal laws of Canada that apply there. The courts of Ontario have jurisdiction.
  • If any part of these Terms is found unenforceable, the rest still applies.
  • These Terms, together with your plan details and our Privacy Policy, are the entire agreement between us.

15. Contact

CapitalLine · hello@capitallineai.com · 855-591-0311 · capitallineai.com