Going to add that this seems to happen when the same user is installing Toad on a 2nd laptop (new vs old). I have Toad 1.3.0 beta running on my old laptop and when i install Toad on my new machine (even version 1.2.3) , I get an error ----
An exception was caught.
GSS initiate failed
Eco system set up has been verified. Another user also tried installing on a second laptop with the same error.