Terms of Use

Effective September 22, 2026 · Version 1.1

What this site is

This site describes Capivar, upcoming software in development, and lets you join a waitlist for early ("alpha") access. Capivar is a d/b/a of Mainstay Capital, LLC ("Mainstay Capital," "we," "us"). By using the site, you agree to these terms.

Educational software — not advice

Capivar provides educational financial modeling and hypothetical scenario analysis. Nothing on this site or in the product is individualized investment, tax, or legal advice, a personalized recommendation, or an offer of advisory services, and no advisory relationship is created by joining the waitlist, placing a reservation, or using the product. Hypothetical scenarios are illustrations, not predictions or guarantees of any outcome.

The waitlist

Joining the waitlist reserves nothing by itself and costs nothing. It signs you up for email updates about Capivar, which you can leave at any time. Alpha access timing, scope, and availability may change.

The $25 Early Adopter reservation

If offered, the $25 reservation is processed by Stripe and holds your place for the discounted Early Adopter tier of the planned Capivar crowdfunding campaign. Your $25 is applied to your pledge and credited in full when you back the campaign. If the campaign does not launch, or you choose not to back it, contact us at hello@capivar.com and we will refund your $25 reservation.

The reservation does not create a subscription and will never auto-renew into one.

Intellectual property

The Capivar name, design, and site content belong to Mainstay Capital. You may not copy or reuse them without permission.

Disclaimers and limitation of liability

Scope of this section. This section applies only to this website and to the waitlist and reservation services offered on it (together, the "Site Services"). It does not apply to any Capivar software product (none is yet available), it does not limit any obligation we have under any separate agreement, and it does not limit any liability that cannot be limited under applicable law.

The Site Services are provided "as is" and "as available," without warranties of any kind, express or implied.

TO THE FULLEST EXTENT PERMITTED BY LAW, AND EXCEPT FOR THE RESERVATION-REFUND OBLIGATION DESCRIBED BELOW, MAINSTAY CAPITAL, LLC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE SERVICES. THIS LIMITATION IS EXPRESSLY INTENDED TO APPLY, AND DOES APPLY, TO CLAIMS BASED ON THE NEGLIGENCE, IN WHOLE OR IN PART, OF MAINSTAY CAPITAL, LLC OR ITS PERSONNEL.

Reservation refunds are not limited. Nothing in this section limits, caps, or excuses our obligation to refund your reservation payment as described in these terms and at checkout. That refund obligation applies in full regardless of anything else in this section.

Governing law, venue, and your rights

These terms are governed by the laws of the State of Florida, excluding its conflict-of-law rules. The exclusive venue for any dispute arising out of or relating to these terms or the Site Services is the state courts sitting in Polk County, Florida, or the United States District Court for the Middle District of Florida, Tampa Division, and each of us consents to personal jurisdiction and venue there.

If you are a consumer, nothing in this section deprives you of the protection of any mandatory consumer-protection law of the state where you live that applies to you and cannot be varied by agreement.

Nothing in these terms waives, or asks you to waive, compliance with — or any right you may have under — the federal securities laws or the securities laws of any state.

These terms do not contain an arbitration clause or a class-action waiver. Disputes are resolved in the courts identified above.

Contact

Questions about these terms: hello@capivar.com.