Terms & Conditions

Effective date: May 30, 2026 · Last updated: May 30, 2026

These Terms and Conditions (Part A) govern your use of hatchlabs.tech, the corporate website of the Hatch platform. They form part of a combined document together with our Privacy Policy (Part B).

Overview

This website, hatchlabs.tech (the “Site”), is owned and operated by 9518-2663 Québec Inc., a corporation governed by the Business Corporations Act (Québec), CQLR c. S-31.1, doing business as Hatch Labs Inc. (with its parent and affiliated entities, “Hatch”, “Hatch Labs”, “we”, “us” or “our”). Hatch operates a cloud-native, modular software platform (the “Platform”) that automates data collection, identity and bank verification, decisioning, and workflow orchestration for lending, leasing, and consumer finance. The Platform combines a no-code workflow builder, a proprietary rule engine, and live integrations to open banking, credit bureaus, identity-verification (KYC), payment, and document services, and writes each decision to an immutable, cryptographically-hashed audit ledger. Hatch licenses the Platform to its business clients (each, a “Client”). Hatch is a software and technology provider. Hatch is not a lender, lessor, mortgage broker, leasing company, or financial institution; it does not itself extend credit, make lending or leasing decisions, or offer loans, leases, or other financial products to consumers. Lending, leasing, and decisioning criteria are configured and controlled by each Client. The Site is Hatch’s corporate and marketing website, where visitors can learn about the Platform, request a product demonstration (a “demo”), and subscribe to product updates. This document governs your use of the Site and explains how Hatch handles personal information. It is divided into Part A (Terms and Conditions) and Part B (Privacy Policy). Access to and use of the Platform itself are governed by separate written agreements between Hatch and its Clients.

Language / Langue

The parties have expressly agreed that this document be drawn up in English. Les parties ont expressément convenu que le présent document soit rédigé en anglais. A French-language version is available on request; where required by the Charter of the French Language (CQLR c. C-11), the French version prevails to the extent of any discrepancy.

A1. Acceptance

By accessing or using the Site, you agree to be bound by these Terms and Conditions and by the Privacy Policy. If you do not agree, do not use the Site.

A2. Nature of the Site; no offer; Platform under separate agreement

Information on the Site is provided for general informational and marketing purposes only. Nothing on the Site constitutes an offer, solicitation, recommendation, or commitment to provide any product, service, credit, lease, or financing, and submitting a demo request or newsletter signup does not create any contractual relationship between you and Hatch. Access to, and use of, the Platform is licensed only under a separate written agreement between Hatch and the Client, which governs the Platform, including any data-processing terms. These Terms govern the Site only.

A3. Eligibility

You represent that you are at least 18 years of age and have the legal capacity to enter into binding agreements, and that where you interact with the Site on behalf of a business or other organization, you are authorized to do so on its behalf.

A4. Acceptable use

You agree not to:

• use the Site in violation of any applicable law or regulation;
• reverse engineer, decompile, scrape, or extract source code, data, or content from the Site by automated means, except for ordinary search-engine indexing;
• interfere with or disrupt the integrity, security, or performance of the Site, including by introducing malware, conducting denial-of-service activity, or attempting unauthorized access;
• submit false, inaccurate, or misleading information, or impersonate any person or entity;
• use the Site to harvest or collect personal information of third parties; or
• use the Site for the benefit of, or to facilitate, any person subject to applicable sanctions legislation.

A5. Intellectual property

All content on the Site — including text, design, graphics, logos, the names “Hatch” and “Hatch Labs”, the whitepaper, and the underlying software, architecture, rule engine, and workflow technology — is owned by or licensed to Hatch and is protected by applicable intellectual-property laws. You are granted a limited, revocable, non-exclusive, non-transferable licence to access and view the Site for its intended informational purpose. Any other use requires our prior written consent.

A6. Confidential materials

Certain materials made available on or through the Site (including the platform whitepaper and technical documentation) may be marked confidential. Where you receive such materials, you agree to use them solely to evaluate Hatch’s products and not to disclose them to third parties without our prior written consent, in addition to any separate non-disclosure agreement between you and Hatch.

A7. Third-party links and service providers

The Site may contain links to, or integrate with, third-party websites or services (each a “Service Provider”), including hosting, analytics, scheduling, and customer-relationship-management providers. We are not responsible for the content, practices, or privacy policies of those third parties, and your use of them is at your own risk and subject to their terms.

A8. Disclaimer of warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HATCH DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, AND CONDITIONS, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components. Performance figures, capabilities, and integrations described on the Site or in the whitepaper reflect the Platform as designed and may evolve; they are not warranties.

Nothing in these Terms limits any non-excludable rights you may have under the Consumer Protection Act (Québec), CQLR c. P-40.1, or comparable consumer-protection legislation that applies to you.

A9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HATCH AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE. OUR AGGREGATE LIABILITY UNDER THESE TERMS SHALL NOT EXCEED ONE HUNDRED CANADIAN DOLLARS (CA$100), EXCEPT WHERE SUCH LIMITATION IS PROHIBITED BY LAW. This Section governs use of the Site only and does not displace the liability terms of any separate Platform agreement.

This limitation does not apply to (i) damages resulting from our gross or intentional fault as interpreted under article 1474 of the Civil Code of Québec, or (ii) any liability that cannot be excluded under applicable consumer-protection legislation.

A10. Indemnification

You agree to indemnify and hold harmless Hatch and its affiliates, directors, officers, employees, and agents from any claim, loss, damage, liability, or expense (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the Site, or your violation of any law or any right of any third party.

A11. Governing law and jurisdiction

These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The courts of the judicial district of Montréal shall have exclusive jurisdiction over any dispute arising out of or in connection with these Terms or the Site, except where exclusive jurisdiction is conferred elsewhere by law (including under article 3149 of the Civil Code of Québec for consumer matters). The parties shall first attempt in good faith to resolve any dispute by negotiation before commencing proceedings.

A12. Changes to the Site and these Terms

We may modify the Site and these Terms from time to time. When we do, we will update the “Last updated” date and post the revised Terms on the Site. Your continued use of the Site after the changes take effect constitutes acceptance of the modifications.

A13. General

• Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Hatch regarding the Site and supersede all prior agreements regarding the Site. Any separate Platform or non-disclosure agreement governs its own subject matter.
• Severability. If any provision is held invalid or unenforceable, the remainder shall remain in full force.
• Assignment. You may not assign these Terms without our prior written consent. We may assign or transfer them in connection with a merger, acquisition, financing, or sale of all or substantially all of our business or assets.
• Notices. Notices to us may be sent to legal@hatchlabs.tech or to our head office; notices to you may be sent to the email or address you provide.
• Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control.
• No waiver. No failure or delay in exercising any right operates as a waiver of it.

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Hatch Labs Inc. · hatchlabs.tech · Provided for general information and does not constitute legal advice. See also our Privacy Policy.