Terms of Use

Effective Date: Oct 1st, 2025

Last Updated: Oct 28th, 2025

1. Acceptance of Terms

Welcome to Slate. These Terms of Use ("Terms") constitute a legally binding agreement between you and Slate Financial Technologies Inc., a British Columbia corporation ("Slate," "we," "us," or "our"), and where applicable, our affiliated U.S. entity Dropp Labs, Inc.

By accessing or using our website, mobile application, or services (collectively, the "Services"), you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Services.

2. Description of Services

Slate provides embedded lending infrastructure that enables platforms to offer capital products to their business customers. Our services include:

• Embedded Lending Solutions: White-labeled lending products that integrate into your platform, allowing you to offer business loans and lines of credit to your customers
• API and Integration Tools: Developer-first APIs, SDKs, and white-label UI components for building and deploying lending solutions
• Ready-to-Launch Solutions: Turnkey lending infrastructure including frontend and backend systems that can be deployed with minimal development effort
• Dashboard and Monitoring: Tools for tracking loan applications, user engagement, and integration performance
• Capital Products: Working capital loans, lines of credit, and other financing options for Canadian businesses

The specific features and functionality available to you may vary based on your platform type, integration method, account type, and applicable regulations. Our services are currently designed for platforms serving business customers in Canada.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using the Services under applicable laws
• Provide accurate and complete registration information