Effective Date: April 7, 2026

De Roy Capital (“we,” “us,” or “our”) is a private family-owned capital investment firm based in Canada. Our website (the “Site”) provides general information about our firm, our investment philosophy, and related educational or news content. The Site is intended solely for educational and informational purposes.

Important Disclaimers:

The content on the Site is provided for general informational and educational purposes only. It does not constitute and shall not be construed as financial, investment, legal, tax, accounting, or any other form of professional advice. We do not offer financial services, products, or client accounts through the Site. We do not provide personalized investment advice, recommendations, or solicitations to buy, sell, or hold any securities or investments. Nothing on the Site should be relied upon as the basis for any investment, financial, or other decision. Any investment decisions you make are solely your own responsibility after consulting with your own qualified professional advisors.

Past performance or examples mentioned on the Site, if any, are not indicative of future results. All investments involve risk, including the potential loss of principal. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, timeliness, reliability, or suitability of any information on the Site.

By accessing or using the Site, you acknowledge and agree that you have read, understood, and accepted these Terms and Conditions in their entirety. If you do not agree with any part of these Terms, you must immediately discontinue use of the Site.

1. Acceptance of Terms

These Terms and Conditions constitute a legally binding agreement between you and De Roy Capital governing your access to and use of the Site. Your continued use of the Site after any updates to these Terms constitutes your acceptance of the revised Terms.

2. Permitted Use

You may access and view the publicly available content on the Site for your personal, non-commercial, informational purposes only. You are not permitted to:

• Reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our prior written consent.
• Use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use.
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to it.
• Use any robot, spider, scraper, or other automated means to access the Site for any purpose.

3. No Financial Services or Advice

De Roy Capital does not provide financial services, advisory services, or investment management services through the Site. The Site does not create any client-adviser relationship between you and us. Any communication or interaction with the Site does not constitute a request for or the provision of advice. You should seek advice from your own independent financial, legal, tax, and other professional advisors before making any investment or financial decisions.

4. Intellectual Property

All content on the Site, including text, graphics, logos, images, and other materials, is owned by De Roy Capital or its licensors and is protected by Canadian and international copyright, trademark, and other intellectual property laws. Nothing in these Terms grants you any right or license to use our intellectual property except as expressly permitted for personal viewing.

5. Links to Third-Party Sites

The Site may contain links to third-party websites or resources. We provide these links for convenience only and do not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites. Your use of such sites is at your own risk and subject to their terms and policies.

6. Disclaimer of Warranties

The Site and all content are provided on an “as is” and “as available” basis without any warranties of any kind, express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation. We do not warrant that the Site will be secure, free of viruses or harmful components, or that any defects will be corrected.

7. Limitation of Liability

To the fullest extent permitted by applicable law, De Roy Capital, its owners, officers, employees, affiliates, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your access to, use of, or inability to use the Site or any content on it. This includes, without limitation, any loss or damage resulting from reliance on information contained on the Site, even if we have been advised of the possibility of such damages.

In no event shall our total liability to you exceed the amount you paid to us (if any) for access to the Site, which is zero in this case.

8. Indemnification

You agree to indemnify, defend, and hold harmless De Roy Capital, its owners, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your infringement of any rights of another party.

9. Changes to the Site or Terms

We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice. We may also update these Terms from time to time. The Effective Date at the top will indicate the date of the most recent revision. Your continued use of the Site following any changes constitutes acceptance of the new Terms.

10. Termination

We may terminate or restrict your access to the Site at any time, with or without cause or notice, if we believe you have violated these Terms or for any other reason.

11. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles. Any disputes arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in Toronto, Ontario, Canada.

12. Miscellaneous

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of that right. These Terms constitute the entire agreement between you and us regarding the Site and supersede any prior understandings.

By using the Site, you confirm that you are of the age of majority in your jurisdiction and have the legal capacity to enter into these Terms.