Effective Date: August 20, 2026

These terms govern use of CapitalTurn and accompanying documentation provided by Second Engine Holdings, a DBA of SOB Endeavors, LLC.

License Grant

Purchase grants the purchaser a limited, non-exclusive, non-transferable and revocable license to use CapitalTurn for the purchaser's own lawful internal personal or business purposes.

Ownership of CapitalTurn and its underlying intellectual property is not transferred by purchase.

You May

• Use CapitalTurn for your own personal resale activities
• Use CapitalTurn internally within the purchasing business
• Enter and maintain your own business and inventory information
• Make reasonable backup copies for your own licensed use

You May Not

Without prior written permission, you may not:

• Resell or redistribute CapitalTurn
• Upload or publish the files for others to download
• Share the product as a template, freebie or competing commercial product
• Sublicense or transfer your license
• Sell copies or materially derivative copies of the workbook
• Circumvent protections for the purpose of extracting or distributing protected formulas or proprietary logic
• Remove or misrepresent ownership, copyright, trademark or licensing notices
• Represent yourself as the creator or owner of CapitalTurn

No Professional Advice

CapitalTurn provides organizational, analytical and decision-support functionality only.

It does not constitute financial, investment, accounting, tax, business or legal advice.

Users remain solely responsible for their purchasing, sourcing, pricing, inventory and business decisions.

No Guarantee of Results

Resale markets involve uncertainty.

CapitalTurn does not guarantee revenue, profit, return on investment, resale price, inventory turnover, cash flow or any other financial outcome.

Calculations and forecasts depend upon information and assumptions supplied by the user. Actual outcomes may differ materially.

Third-Party Services

CapitalTurn does not represent or warrant affiliation with marketplaces, banks, payment processors, Microsoft or other third-party companies unless expressly stated.

Changes made by third parties—including fees, policies, software behavior or marketplace conditions—may affect calculations or workflow.

User Responsibility

The purchaser is responsible for:

• Verifying information entered into the workbook
• Reviewing calculations before relying upon them
• Maintaining independent backups
• Using compatible software
• Complying with applicable laws, taxes, marketplace rules and business obligations

Intellectual Property

CapitalTurn, its workbook design, protected formulas and logic, documentation, branding and associated materials are proprietary intellectual property of their respective owner and are protected by applicable intellectual-property laws.

Disclaimer of Warranties

To the fullest extent permitted by applicable law, CapitalTurn is provided on an "as available" basis without warranties regarding profitability, fitness for a particular commercial outcome or uninterrupted compatibility with third-party products or services.

Limitation of Liability

To the fullest extent permitted by applicable law, Second Engine Holdings and SOB Endeavors, LLC will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, lost profits, lost opportunities, lost data, inventory losses or business interruption arising from use of or inability to use CapitalTurn.

To the extent liability cannot legally be excluded, aggregate liability relating to a CapitalTurn purchase will not exceed the amount actually paid for that purchase, except where a different limitation is required by applicable law.

Governing Rights

Nothing in these terms limits legal rights that cannot lawfully be waived.

Contact

Questions concerning licensing or product support may be sent to:

support@getcapitalturn.com

CapitalTurn™ — A Second Engine Holdings Product