WEBSITE TERMS OF SERVICE

Effective Date: July 23, 2026

1. Acceptance of These Terms

These Website Terms of Service (“Terms”) govern your access to and use of the website operated by Toro Investments, Inc. (“Toro Investments,” “Tiinc,” “we,” “us,” or “our”), including all webpages, content, materials, forms, features, and services made available through the website.

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, you must not access or use the website.

2. About Toro Investments

Toro Investments, Inc. is a privately held holding company headquartered in Saint-Bruno-de-Montarville, Quebec, Canada.

Toro Investments manages a diversified portfolio of assets and pursues growth through acquisitions, subsidiary performance, and value-add investment strategies.

This website is intended primarily to provide general corporate information and to facilitate legitimate investor, acquisition, partnership, and business inquiries.

3. Informational Purposes Only

The information made available through this website is provided for general informational and corporate communication purposes only.

Website content does not constitute and should not be interpreted as:

  • Investment, financial, legal, accounting, tax, or other professional advice;
  • A recommendation to purchase, sell, hold, or otherwise transact in any security, investment, property, business, or other asset;
  • An offer to sell or a solicitation of an offer to purchase securities;
  • An invitation to participate in an investment opportunity;
  • A prospectus, offering memorandum, financial disclosure document, or other securities offering document;
  • A guarantee of any investment return, financial result, business outcome, or asset performance;
  • A representation that any investment or transaction is appropriate or suitable for a particular person; or
  • The creation of an advisory, fiduciary, investor, partnership, agency, brokerage, or contractual relationship.

Any offer, investment, acquisition, financing, or transaction involving Toro Investments or any of its subsidiaries or portfolio companies will be made only through appropriate definitive documentation and in compliance with applicable laws.

You should obtain independent legal, financial, tax, accounting, and investment advice before making any business or investment decision.

4. No Public Offering or Solicitation

Nothing on this website constitutes a public offering, private placement, solicitation, advertisement, or distribution of securities in Canada or in any other jurisdiction.

No securities of Toro Investments, its subsidiaries, affiliates, or portfolio companies are being offered through this website.

Any securities transaction involving Toro Investments will be conducted only:

  • Through authorized representatives;
  • Under appropriate written agreements;
  • In accordance with applicable securities laws;
  • In reliance on an available registration or prospectus exemption where applicable; and
  • After any required investor qualification, due diligence, and compliance procedures have been completed.

The availability of information on this website does not mean that any investment opportunity is currently available or open to any particular person.

5. Asset Values and Financial Information

The website may include information concerning:

  • Asset values;
  • Independent appraisals;
  • Portfolio values;
  • Financial performance;
  • Historical results;
  • Acquisition activity;
  • Growth statistics; or
  • Other financial or operational information.

Any appraisal, valuation, estimate, or financial figure shown on the website:

  • Reflects the information, assumptions, methodology, and conditions applicable as of the relevant valuation date;
  • May be based on third-party reports or information;
  • May change because of market conditions, asset performance, acquisitions, dispositions, financing arrangements, currency fluctuations, or other factors;
  • May not reflect the price at which an asset could actually be sold; and
  • Does not guarantee future value, liquidity, revenue, profitability, or investment performance.

Toro Investments does not represent that all website information is continuously updated. Users should not rely on website information as a substitute for current transaction-specific documentation and independent due diligence.

6. Forward-Looking Information

Certain statements on this website may constitute forward-looking information. Such statements may relate to anticipated acquisitions, growth strategies, asset performance, business opportunities, financing, future operations, expansion plans, market conditions, or other expectations.

Forward-looking information is based on assumptions and expectations considered reasonable when the statement is made. Actual events and results may differ materially because of risks and uncertainties, including:

  • Economic and market conditions;
  • Interest-rate and currency fluctuations;
  • Availability and cost of financing;
  • Regulatory changes;
  • Competition;
  • Operational performance;
  • Acquisition and integration risks;
  • Changes in asset values;
  • Third-party performance; and
  • Events beyond Toro Investments’ reasonable control.

Toro Investments does not guarantee that any forward-looking statement will prove accurate and has no obligation to update such statements except where required by law.

7. Eligibility and Authority

By using the website, you represent that:

  • You have the legal capacity to agree to these Terms;
  • You are at least 18 years old;
  • You are using the website for lawful purposes;
  • Information you provide is accurate and not misleading; and
  • Where you act for a company or another organization, you have the authority to act on its behalf.

This website is not directed toward children.

8. Permitted Use

Toro Investments grants you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable right to access and use the website for lawful personal, informational, or legitimate business purposes.

You may download or print reasonable portions of website content for your internal, non-commercial reference, provided that you:

  • Do not alter the content;
  • Retain all copyright and ownership notices;
  • Do not represent the content as your own;
  • Do not use the content in a misleading manner; and
  • Do not use it to imply an endorsement, partnership, or affiliation that does not exist.

No other right or licence is granted.

9. Prohibited Conduct

You must not use the website to:

  • Violate any applicable law, regulation, court order, or third-party right;
  • Submit false, misleading, fraudulent, defamatory, unlawful, or harmful information;
  • Impersonate another person or misrepresent your identity, authority, or affiliation;
  • Attempt to gain unauthorized access to the website, servers, databases, accounts, or connected systems;
  • Introduce viruses, ransomware, malicious code, harmful scripts, or other disruptive technologies;
  • Interfere with the website’s operation, security, availability, or performance;
  • Bypass, disable, or circumvent security or access-control measures;
  • Scrape, crawl, harvest, index, copy, or extract website content through automated means without our written permission;
  • Use bots, spiders, data-mining tools, or artificial-intelligence training systems to collect or reproduce website content without authorization;
  • Collect personal information about other website users;
  • Copy, reproduce, modify, distribute, sell, licence, publish, or commercially exploit website content without permission;
  • Use Toro Investments’ name, trademarks, branding, or content in a manner that suggests an unauthorized affiliation or endorsement;
  • Send spam, unsolicited commercial messages, or repetitive inquiries;
  • Conduct fraudulent investment, financing, acquisition, or business solicitations; or
  • Assist another person in carrying out any prohibited activity.

We may restrict or block access to the website where we reasonably believe these Terms have been violated or the website’s security or operation is at risk.

10. Intellectual Property

Unless otherwise indicated, the website and its contents are owned by or licensed to Toro Investments and are protected by applicable intellectual-property laws.

Protected content may include:

  • Business names;
  • Trade names;
  • Logos;
  • Trademarks;
  • Text;
  • Photographs;
  • Graphics;
  • Videos;
  • Designs;
  • Website layouts;
  • Reports;
  • Presentations;
  • Databases;
  • Software; and
  • Other materials.

“Toro Investments,” “Tiinc,” and related names, designs, logos, and branding may not be used without prior written authorization.

Nothing in these Terms transfers any ownership or intellectual-property right to a website user.

11. Inquiries and Submitted Information

The website may allow you to submit a contact, investor, acquisition, partnership, or other business inquiry.

By submitting information, you represent that:

  • The information is accurate to the best of your knowledge;
  • You are authorized to provide it;
  • Its submission does not violate another person’s rights;
  • It does not contain unlawful or malicious content; and
  • Toro Investments may use it to review and respond to your inquiry in accordance with its Privacy Policy.

You retain ownership of the materials you submit. However, you grant Toro Investments a limited right to receive, store, copy, review, internally share, and otherwise process those materials for the purpose of evaluating and responding to your inquiry.

Submitting an inquiry does not require Toro Investments to:

  • Respond;
  • Review an opportunity;
  • Sign a confidentiality agreement;
  • Conduct due diligence;
  • Enter into negotiations;
  • Provide financing;
  • Make an investment;
  • Complete an acquisition; or
  • Enter into any agreement or transaction.

12. Confidential Information

Unless Toro Investments has signed a separate written confidentiality or non-disclosure agreement, information submitted through the website will not automatically be treated as confidential.

You should not submit through a general website form:

  • Trade secrets;
  • Legally privileged documents;
  • Passwords or security credentials;
  • Banking credentials;
  • Social insurance numbers;
  • Government-issued identification;
  • Highly sensitive personal information; or
  • Information you are not authorized to disclose.

Toro Investments may already be reviewing or may later review businesses, properties, assets, strategies, or opportunities similar to those described in an inquiry. Receiving an inquiry does not restrict Toro Investments from independently pursuing, evaluating, acquiring, financing, or investing in similar opportunities.

Where confidential information is required, the parties should establish an appropriate written confidentiality agreement and secure disclosure process.

13. Privacy

Our collection, use, disclosure, retention, and protection of personal information are governed by our Privacy Policy.

By submitting personal information through the website, you acknowledge that it will be processed in accordance with that policy and applicable privacy laws.

The Privacy Policy forms part of these Terms and should be made available through the website footer.

14. Third-Party Websites and Services

The website may include links to websites, platforms, reports, publications, portfolio companies, subsidiaries, business partners, or other third-party resources.

Third-party links are provided for convenience or informational purposes only. Toro Investments does not necessarily control, endorse, approve, or assume responsibility for:

  • Third-party content;
  • Products or services;
  • Privacy practices;
  • Security practices;
  • Availability;
  • Accuracy; or
  • Business conduct.

Your use of third-party websites is subject to the terms and policies established by the applicable third party.

You access third-party websites at your own discretion and risk.

15. Website Availability and Security

Toro Investments may, without prior notice:

  • Update or modify website content;
  • Add or remove website features;
  • Correct errors;
  • Restrict access;
  • Temporarily suspend the website;
  • Permanently discontinue all or part of the website; or
  • Perform maintenance or security work.

We do not guarantee that the website will always be available, uninterrupted, secure, current, or free from errors, harmful components, or technical failures.

You are responsible for maintaining appropriate security controls on your own devices, systems, accounts, and internet connection.

16. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis.

Toro Investments does not make any express or implied warranty concerning:

  • Website availability;
  • Accuracy, completeness, or timeliness of information;
  • Fitness for a particular purpose;
  • Merchantability;
  • Non-infringement;
  • Security;
  • Error-free operation;
  • Compatibility with a particular device or system;
  • Future financial or operational results; or
  • The suitability of any investment, business, property, asset, or transaction.

Nothing in this section excludes a warranty or legal obligation that cannot lawfully be excluded.

17. Limitation of Liability

To the maximum extent permitted by applicable law, Toro Investments and its directors, officers, employees, subsidiaries, affiliates, representatives, advisers, service providers, and licensors will not be responsible for indirect, incidental, special, punitive, exemplary, or consequential damages arising from or connected with:

  • Access to or use of the website;
  • Inability to access or use the website;
  • Reliance on website content;
  • Decisions made using website information;
  • Errors, omissions, interruptions, delays, or security incidents;
  • Third-party websites or services;
  • Unauthorized access to submitted information; or
  • Any business or investment opportunity described or discussed through the website.

This limitation applies regardless of the legal basis of the claim and even where the possibility of loss was known or reasonably foreseeable.

Nothing in these Terms excludes or limits liability where doing so is prohibited by law, including liability that cannot be excluded for intentional or gross fault or for bodily or moral injury.

18. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Toro Investments and its directors, officers, employees, subsidiaries, affiliates, representatives, and service providers from claims, losses, liabilities, damages, and reasonable expenses arising from:

  • Your unlawful use of the website;
  • Your material violation of these Terms;
  • Information or materials you submit;
  • Your infringement of another person’s rights; or
  • Fraudulent, abusive, or malicious conduct attributable to you.

This section does not require you to indemnify Toro Investments for losses caused by its own intentional or gross fault.

19. Electronic Communications

When you communicate with Toro Investments electronically, you consent to receiving responses and related communications electronically.

Email and website communications may not always be secure, confidential, error-free, or immediately received. You should not rely on ordinary email for urgent instructions, transaction approvals, payment instructions, or the delivery of highly sensitive information.

Toro Investments may request additional identity or authority verification before acting on an electronic communication.

20. Changes to These Terms

Toro Investments may amend these Terms periodically to reflect changes to:

  • The website;
  • Our business activities;
  • Applicable laws;
  • Security requirements;
  • Technologies; or
  • Internal policies.

Updated Terms will be posted on the website with a revised effective date.

Your continued use of the website after updated Terms become effective constitutes acceptance of the updated Terms to the extent permitted by law. Where additional notice or express consent is legally required, Toro Investments will provide it.

21. Suspension and Termination

Toro Investments may suspend, restrict, or terminate your access to the website where:

  • You violate these Terms;
  • Your use creates a legal, security, or operational risk;
  • Fraudulent or abusive activity is suspected;
  • Access is required to be restricted by law; or
  • The website or relevant service is discontinued.

Sections that by their nature should continue after termination will remain effective, including provisions concerning intellectual property, submitted information, disclaimers, liability, indemnification, and governing law.

22. Governing Law and Jurisdiction

These Terms and any dispute arising from the website are governed by the laws of the Province of Quebec and the applicable federal laws of Canada, without regard to conflict-of-law principles.

Subject to any mandatory rights or jurisdictional rules that cannot legally be waived, disputes will be submitted to the competent courts of the Province of Quebec.

Nothing in these Terms restricts any mandatory right or remedy available under applicable consumer-protection or other legislation.

23. Language

A French version of these Terms will be made available in accordance with applicable Quebec language requirements.

Where permitted by law and after the French version has been provided, a user who chooses to access or accept the English version expressly confirms their wish to be bound by the English version.

Version française : Switch Store Front in French

If the English and French versions are both validly accepted and an inconsistency arises, the version designated in the applicable transaction documents or otherwise required by law will govern.

24. General Provisions

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be limited or removed only to the extent necessary, and the remaining provisions will continue in effect.

A failure by Toro Investments to enforce a provision does not constitute a waiver of that provision or any other right.

You may not assign or transfer your rights or obligations under these Terms without Toro Investments’ prior written consent. Toro Investments may assign these Terms in connection with a corporate reorganization, financing, merger, acquisition, sale, or transfer of all or part of its business or assets, subject to applicable law.

These Terms, together with the Privacy Policy and any additional terms expressly presented through the website, constitute the entire agreement concerning your general use of the website.

25. Contact Information

Questions regarding these Terms may be directed to:

Toro Investments, Inc.
Saint-Bruno-de-Montarville, Quebec, Canada
Email: toroinvestmentsinc@gmail.com
Telephone: +1 514-965-5410