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Terms of Service

Last updated: June 20, 2026

These Terms of Service (“Terms”) govern your access to and use of the website (bulldogservices.org) and the services provided by Bulldog Services, operated by Bulldog Consulting Services (“Bulldog,” “we,” “us,” or “our”), a business based in Toronto, Ontario, Canada, serving clients across the United States and Canada. Please read these Terms carefully.

1. Acceptance of These Terms

By accessing our website, submitting an intake, partner, or contact form, or engaging us for any service, you agree to be bound by these Terms. If you do not agree, please do not use our website or services. If you are entering into these Terms on behalf of a business, you represent that you are authorized to bind that business.

2. Description of Services

Bulldog provides boutique, hands-on consulting services, which may include:

  • Facilitating business loans through bank and alternative lenders;
  • The Bulldog Grants Program: grant strategy, writing, and submission;
  • Debt recovery: we collect debts on your behalf (we do not buy debts);
  • Vehicle and asset-backed financing;
  • Business plans and lender-ready packages;
  • The Women’s Loan Program and startup support;
  • Website design; and
  • Real estate (mortgage) referrals.

The intake form and your initial consultation and quote are free and no-obligation.

3. No Guarantee of Approval, Funding, or Grant Outcomes

Bulldog facilitates and prepares applications and packages. We do not lend money, and we do not control or make funding or grant decisions. All final decisions regarding loans, financing, and grants are made by third-party lenders, financing partners, and grant agencies. We do not and cannot guarantee approval, funding amounts, interest rates, terms, or grant awards. No credit checks are performed for lending purposes until a formal offer is in place.

4. Client Responsibilities

You agree to:

  • Provide accurate, complete, and truthful information and documents to us and to any lender, agency, or partner;
  • Promptly update us if your information changes;
  • Cooperate with reasonable requests needed to prepare and submit your applications; and
  • Use our services and any deliverables only for lawful purposes.

You are responsible for any decision you make based on materials we prepare, including whether to accept any offer presented to you.

5. Fees & Payments

  • Retainer fees. Retainer fees apply to most services and are payable as set out in your engagement.
  • Debt-recovery success fee. A 15% success fee applies to debt recovery, charged only on amounts actually collected.
  • Debt-collection memberships. Membership fees apply to our debt-collection service.
  • HST. HST is added to all services.
  • Tax-deductible. Bulldog services are tax-deductible. This is general information only and not tax advice.
  • Payment plans. Payment plans are available via Klarna (shown at Stripe checkout). Other payment plans are subject to approval.
  • Processing. Payments are processed by Stripe and are subject to Stripe’s terms. The intake form and initial consultation and quote are free and no-obligation.

Fees are non-refundable except where required by law or expressly stated in your engagement. Specific fees, scope, and payment timing are set out in the engagement terms you agree to for your service.

6. Debt Recovery Specifics

For debt-recovery engagements, Bulldog collects debts on your behalf. We do not buy or purchase the debt. A membership applies to our debt-collection service, and a 15% success fee is charged only on amounts actually collected. You remain the creditor and the owner of the debt, and you are responsible for the accuracy and validity of the amounts you ask us to pursue.

7. Third-Party Lenders & Partners

We may connect you with third-party lenders, grant agencies, financing partners, and referral partners. These parties are independent of Bulldog. Their products, decisions, terms, conduct, and policies are their own, and we are not responsible or liable for them. Any agreement you enter into with a third party is solely between you and that party.

8. Intellectual Property & Deliverables

All content on our website, and the methods, templates, and materials we use to produce deliverables, are owned by Bulldog and protected by applicable intellectual property laws. Upon full payment, custom deliverables we prepare for you, such as your business plan and lender-ready package, are provided for your use in connection with the purpose for which they were prepared. You may not resell, redistribute, or repurpose our materials or templates outside that purpose without our written permission.

9. Confidentiality

We treat the non-public information you share with us as confidential and use it only to deliver your services and as described in our Privacy Policy. Where you receive non-public information from us, you agree to keep it confidential as well.

10. No Professional Advice

Our services and materials are provided for general business and funding-preparation purposes and do not constitute legal, financial, accounting, or tax advice. You should consult your own qualified professionals before making decisions based on our services or any offer you receive.

11. Limitation of Liability & Indemnification

To the fullest extent permitted by law, Bulldog and its owners, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits, lost funding, or lost opportunities, arising out of or relating to your use of our website or services. To the extent we are found liable, our total aggregate liability will not exceed the fees you actually paid to us for the service giving rise to the claim.

You agree to indemnify and hold harmless Bulldog from any claims, losses, liabilities, and expenses arising out of your breach of these Terms, your provision of inaccurate or unlawful information, or your misuse of our services or deliverables.

12. Termination

Either party may terminate an engagement as set out in the applicable engagement terms. We may suspend or terminate your access to our website or services if you breach these Terms or provide false or unlawful information. Fees earned or committed up to the date of termination remain payable, including any success fees on amounts already collected.

13. Governing Law

These Terms 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. You agree that the courts of Ontario will have jurisdiction over any dispute arising out of or relating to these Terms or our services.

14. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above and post the revised Terms on this page. Your continued use of our website or services after an update constitutes acceptance of the revised Terms.

15. Contact Us

If you have questions about these Terms, please contact us at info@bulldogservices.org.

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