Compliance Without Friction.

Ruby Policy Solutions Inc.

1. What specific services does Ruby Policy Solutions provide?
We provide professional document review, audit, and assessment services. Our focus is evaluating client-supplied documentation for accuracy, internal consistency, and readiness for submission to third-party compliance managers. Our role is strictly advisory.

2. What types of documentation do you review?
We review a broad spectrum of corporate materials, including policies and procedures, compliance manuals, internal controls, operational guidelines, and supporting exhibits.

3. Does your review guarantee compliance or approval?
No. While we strive for excellence, our services do not guarantee legal compliance, acceptance by a compliance management company, or specific regulatory outcomes. All findings are advisory only.

4. Do you provide legal or regulatory advice?
No. Ruby Policy Solutions Inc. is not a law firm, regulatory body, or auditor of record. We do not provide legal advice or compliance certification. Clients are responsible for obtaining independent legal guidance.

5. Who is responsible for the final documentation?
The client retains full responsibility for the final content, accuracy, and submission of all documentation. We do not independently verify the facts or representations provided to us.

6. Will you submit documents to regulators on our behalf?
No. Unless expressly agreed in writing, clients are responsible for all submissions to compliance management companies, regulators, or other third parties.

7. How are fees and refunds handled?
Fees are determined by the scope and complexity of the project as outlined in your engagement agreement. Unless stated otherwise in writing, all fees are non-refundable once services have commenced.

8. How is sensitive information and intellectual property handled?
We treat all non-public information as confidential. Clients retain ownership of original documents, while Ruby Policy Solutions Inc. retains ownership of its proprietary methodologies and tools used during the review.

9. How do we engage your services?
Engagement begins with the execution of a formal proposal or Statement of Work (SOW), which defines the specific scope, timelines, and deliverables.

Ruby Policy Solutions Inc.

1. Overview
This Privacy Policy explains how Ruby Policy Solutions Inc. (“we,” “our,” or “us”) collects, uses, stores, and protects information provided in connection with our services and website. This Policy applies to clients, prospective clients, business partners, and anyone who submits information to us. This Policy does not apply to third-party websites, compliance platforms, or regulatory bodies to which clients may choose to submit documentation independently.

2. Information We Collect
2.1 Information Provided by Clients: We collect information voluntarily submitted to us during engagements, including Business and contact details; Policies, procedures, manuals, and internal documents; Compliance-related records and supporting materials; and Communications sent to us.
2.2 Personal Information: Client-submitted documentation may contain personal or sensitive information relating to employees, contractors, or customers. We process such information strictly under client instructions.
2.3 Administrative & Technical: We collect billing records, email correspondence, and system access logs.
2.4 Website Data: We may collect device/browser information and IP addresses to improve website performance.

3. How We Use Information
We use information only for legitimate business purposes: conducting reviews, communicating with clients, managing billing, and fulfilling legal obligations. We do not sell, rent, or trade personal information.

4. Legal Basis for Processing
We rely on performance of a contract, legitimate business interests, compliance with legal obligations, and client consent.

5. Disclosure of Information
Disclosure is limited to employees/contractors under confidentiality, professional advisors, or when legally required by subpoena or court order.

6. Data Security
We implement commercially reasonable safeguards to protect information. While we take security seriously, no system can guarantee absolute protection.

7. Data Retention
Information is retained only as long as necessary to deliver contracted services or meet legal requirements.

8. Client Responsibilities
Clients must ensure they have lawful authority to provide any information submitted and that submissions comply with relevant privacy laws.

9. Cross-Border Transfers
Information may be processed outside the client’s location. By using our services, clients consent to such transfers.

10. Individual Rights
Individuals may have rights to access, correct, delete, or restrict processing of their personal information. Requests must be submitted in writing.

11. Third-Party Services
We are not responsible for the privacy practices of external organizations linked from our site.

12. Limitation of Liability
We disclaim liability for client-provided inaccuracies or unauthorized access beyond reasonable security measures.

13. Updates to This Policy
Changes take effect upon posting. Continued use of services constitutes acceptance of the updated Policy.

Ruby Policy Solutions Inc.

1. Nature of Services
Ruby Policy Solutions Inc. (“the Company”) provides professional document review, audit support, and assessment services focused on evaluating client-supplied documentation for internal consistency, completeness, and general readiness for submission to third-party compliance management companies or similar entities (“Services”). All Services are advisory and administrative in nature. They do not constitute certification, attestation, verification, endorsement, or validation of compliance with any law, regulation, standard, or industry requirement.

2. No Legal, Regulatory, or Professional Advice
The Company is not a law firm, compliance management company, regulatory authority, or accredited auditing firm. Nothing provided—whether written or verbal—shall be interpreted as: • Legal or regulatory advice • Professional compliance certification • A guarantee of regulatory approval, acceptance, or outcome Clients remain solely responsible for obtaining independent legal, regulatory, or professional guidance where needed.

3. Client Responsibilities & Representations
Clients represent and warrant that all submitted documents and information are accurate, current, complete, and truthful, and that they have full authority to provide such materials. Clients assume full responsibility for: • All decisions made based on the Services • Final content, use, and submission of documentation • Compliance with any third-party or regulatory requirements The Company has no obligation to verify the accuracy, authenticity, or completeness of client-provided materials.

4. Scope Limitations & Reliance Disclaimer
Services are based solely on information supplied by the Client. The Company does not perform: • Independent verification • Testing • Investigation • Validation of compliance Use or reliance on any deliverable is entirely at the Client’s own risk. No outcome, approval, or acceptance by any compliance company, regulator, or third party is guaranteed or implied.

5. Deliverables
Any deliverables provided are for the Client’s internal use only and solely for the purpose defined in the applicable agreement or statement of work. Deliverables do not constitute a formal audit opinion, certification, or attestation of compliance.

6. Fees & Payment
Fees and billing terms are defined in the applicable engagement agreement or invoice. Unless stated otherwise: • All fees are non-refundable • Services may be suspended or terminated for non-payment • The Client remains responsible for fees incurred prior to suspension or termination

7. Confidentiality
The Company will use commercially reasonable efforts to maintain the confidentiality of non-public Client information. Confidentiality does not apply to information that: • Becomes publicly available • Must be disclosed by law or court order • Is received from a third party without restriction

8. Intellectual Property
All tools, templates, methodologies, processes, and materials created or used by the Company remain its exclusive property. Clients receive a limited, non-transferable license to use deliverables internally for their intended purpose only.

9. Limitation of Liability
To the fullest extent permitted by law, the Company is not liable for: • Indirect, incidental, or consequential damages • Loss of revenue, profits, business opportunity, or regulatory standing • Any third-party claims The Company’s total aggregate liability shall not exceed the fees paid for the Services that gave rise to the claim.

10. Indemnification
Clients agree to indemnify and hold harmless the Company and its personnel against all claims, losses, damages, or expenses arising from: • The Client’s use or reliance on the Services • Client-provided documentation or information • Any regulatory, compliance, or third-party actions connected to Client submissions

11. Termination
Either party may terminate an engagement in accordance with the applicable agreement. Termination does not relieve the Client of the obligation to pay for Services already performed.

12. Governing Law
These Terms are governed by the laws of Alberta. Any disputes shall be resolved exclusively in the courts of Alberta.

13. Amendments
The Company may update or modify these Terms at any time. Updated Terms become effective upon posting or written notice. Continued use of Services constitutes acceptance.

14. Entire Agreement
These Terms, together with any engagement documentation, form the complete agreement between the parties and supersede all prior discussions or understandings.