CanSaveSpace Terms & Conditions

Version 1.0

1. Introduction

These Terms & Conditions ("Terms") govern your use of CanSaveSpace (the "Services") — a Canadian financial education and market intelligence platform.

By creating an account or using the Services, you agree to these Terms. If you do not agree, you may not use the Services. You can continue to read publicly available pages without an account.

TODO — LEGAL REVIEW: identify the legal entity, its jurisdiction of incorporation and its business address.

2. Eligibility

You must be old enough to enter into a binding contract where you live, and you must use the Services for your own lawful purposes.

TODO — LEGAL REVIEW: confirm the minimum age and whether it should be stated as a specific number.

3. Account creation

To use account-based features you must provide a valid email address and a name. You may optionally provide a phone number. You may instead sign in with a third-party identity provider where we offer one.

You agree that the information you provide is accurate and that you will keep it current.

4. Account security

You are responsible for keeping your password confidential and for activity under your account.

We store passwords only as an argon2id hash — we never hold your password in a readable form and cannot recover it for you. Session and password-reset tokens are stored only as hashes. A password reset link is single-use, expires one hour after it is issued, and completing a reset signs you out of every other session.

Tell us promptly if you believe your account has been accessed without your authorisation.

5. User responsibilities

You agree to use the Services lawfully, to provide accurate information, to keep your credentials secure, and not to interfere with the operation of the platform or with other users.

6. Acceptable use

The Services are provided for personal financial education and analysis, and for professional use where your plan permits it. You may not use them to provide regulated financial services to others unless you are separately authorised to do so.

7. Financial education disclaimer

CanSaveSpace provides educational and analytical technology. It is not, and does not hold itself out as, a bank, investment dealer, portfolio manager, mortgage broker, insurance broker, tax advisor, accountant, lawyer, real estate professional or financial advisor — unless we separately and expressly state that we are providing such a regulated service through appropriately authorised individuals or entities.

Nothing in the Services creates an advisory, fiduciary or professional relationship between you and CanSaveSpace.

8. No financial advice

Content, scores, calculations, analyses and AI-generated responses are information and analysis, not advice. They are not recommendations to buy, sell, hold or finance anything, and they are not tailored to your personal circumstances, objectives, risk tolerance or tax position.

You should obtain advice from a qualified professional who is authorised to give it before making a financial decision.

9. No investment guarantee

We do not guarantee any financial outcome. Past performance does not indicate future results. Property values, rents, interest rates, vacancy and operating costs can move against you, and you can lose money.

10. Artificial intelligence

The Services include AI-assisted features, including an AI Market Analyst.

How it works. The AI is given a dossier assembled from our own database — figures, their sources, and an explicit record of what is missing and why. It is instructed to answer only from that evidence, to report unavailable data as unavailable rather than estimating, and not to give investment advice.

What that does not guarantee. AI systems can produce output that is wrong, incomplete, out of date, or that misreads the evidence it was given. We do not guarantee the accuracy, completeness or suitability of AI-generated content.

You should independently verify anything important before acting on it, and should not rely on AI output alone for a significant financial decision.

Your questions and the market data used to answer them are processed by a third-party AI provider. See our Privacy Policy.

11. Accuracy limitations

We take care with the data we publish and record the source, publication date and retrieval date for every figure. We do not warrant that data is accurate, complete or current. Source data may be revised, withdrawn or superseded by its publisher.

Where we do not have a figure, we say so. We do not substitute estimates, averages from other markets, or zero. Absence of a figure means we do not have it — it does not mean the underlying value is zero or unremarkable.

12. Third-party information

The Services incorporate information published by third parties, including Statistics Canada and Canada Mortgage and Housing Corporation. That information is reproduced subject to its publisher's terms and licences. We are not responsible for its accuracy and cannot correct it at source.

13. Financial calculators

Calculators are provided for information only. Results depend entirely on the assumptions used, and will vary with interest rates, taxes, fees, timing, compounding, market conditions, the data you enter, and third-party data.

You are responsible for verifying every assumption. A calculator result is not a quote, an offer, an approval, or a prediction.

14. Investment analysis tools

Where the Services calculate cap rate, cash-on-cash return, debt-service coverage ratio, net operating income, break-even rent or occupancy, or similar measures, those figures are hypothetical projections derived from assumptions you supply.

They are not guarantees, forecasts, or statements about what will happen. Historical performance does not guarantee future results.

15. Mortgage analysis

Mortgage figures are illustrative. Actual terms depend on the lender, your qualification, the product, the rate available at the time, prepayment terms, insurance requirements and applicable law. We do not arrange, negotiate or place mortgages, and a calculation here is not a pre-approval or an offer of credit.

16. Rental property analysis

Rental analysis is subject to significant uncertainty. In particular:

• rental income estimates may be inaccurate
• expenses may be incomplete or understated
• insurance estimates may differ materially from actual quotes
• property taxes may change
• maintenance costs are unpredictable
• vacancy may be higher than assumed
• interest rates may rise at renewal
• property values may decline
• rental regulations, including rent control and eviction rules, may change

Verify property-specific information independently before relying on any analysis.

17. Market scores

Market scores are produced by a documented, versioned methodology from publicly sourced data. They describe measurable characteristics of a market, not of you and not of any specific property.

A score is not a prediction of investment returns and not a recommendation. Each score carries a separate confidence rating reflecting how much data was actually available; a score computed from few components is less reliable regardless of its value. The current methodology has not been validated against investment outcomes, and we say so wherever a score appears.

18. User-provided information

Figures you enter — purchase price, rent, expenses and similar — are your assumptions. The Services calculate from what you provide.

If the information you enter is inaccurate, the results will be inaccurate. We are not responsible for decisions that follow from incorrect information you supplied.

19. Uploaded documents

Where the Services accept document uploads:

• you must have the right to upload the document
• you must not upload documents belonging to another person without their authorisation
• you should remove sensitive information that is not needed for the analysis
• documents may be processed by approved third-party technology providers
• processing is subject to our Privacy Policy

20. Third-party integrations

The Services rely on third parties including hosting, database, email and AI providers, and public data sources. Those providers have their own terms and privacy policies. We are not responsible for services outside our control, and their availability may affect ours.

21. External links

Links to third-party sites are provided for convenience. We do not endorse them and are not responsible for their content, accuracy or practices.

22. Intellectual property

CanSaveSpace owns or licenses the Services, including the software, design, branding, logos, graphics, educational content, databases, calculators, and the scoring methodology.

Subject to these Terms, you receive a limited, non-exclusive, non-transferable, revocable right to use the Services for their intended purpose.

Third-party data reproduced in the Services remains subject to its publisher's rights and licences.

23. User-generated content

You retain ownership of the content and information you provide, including your property assumptions, saved analyses and questions. Entering information into the Services does not transfer ownership of it to us.

You grant us a limited licence to host, store, process and display your content solely to provide the Services to you. This licence exists so the platform can function; it ends when you delete the content or your account, subject to any retention we are legally required to observe.

We do not use your personal financial information as market data for other users, and we do not sell it.

24. Feedback

If you send us product feedback, suggestions or bug reports, we may use them to improve the Services without obligation or compensation. This does not give us any rights in your personal information.

25. Prohibited activities

You must not:

• reverse engineer, decompile or disassemble the Services
• scrape or bulk-extract content without our written permission
• circumvent security or access controls
• attempt unauthorised access to any account, system or data
• upload malware or malicious code
• attack, overload or disrupt the platform
• use automated systems to abuse our APIs
• copy our proprietary tools or methodology
• resell or sublicense access without authorisation
• impersonate another person
• use the Services for unlawful purposes
• attempt to extract confidential information

26. Security

We use industry-standard measures including hashed passwords, hashed session tokens, transport encryption and server-side authorisation. No system is perfectly secure, and we cannot guarantee that unauthorised access will never occur.

27. Privacy

Our handling of personal information is governed by our Privacy Policy, which is a separate document with its own consent mechanism.

Accepting these Terms is not consent to our privacy practices — those are addressed separately.

28. Payments and subscriptions

TODO — LEGAL REVIEW: no payment provider is currently connected and nothing can be purchased. Billing, renewal, price changes, taxes and cancellation terms must be drafted before any paid plan is offered.

29. Refunds

TODO — LEGAL REVIEW: refund terms must be drafted against applicable provincial consumer protection legislation before any paid plan is offered.

30. Service availability

We do not guarantee uninterrupted or error-free operation. The Services may be unavailable for maintenance, updates, provider outages or circumstances outside our control.

31. Changes to the Services

We may add, modify, suspend or discontinue features, subject to applicable law and any contractual commitments we have made to you.

32. Changes to these Terms

We may update these Terms. Each version has a version number, an effective date, and a published record.

Where a change is material, you will be asked to accept the updated Terms before continuing to use account-based Services. You will be shown a summary of what changed. Non-material changes — corrections and clarifications — are published without requiring re-acceptance.

Every acceptance is recorded with the exact document version accepted, its cryptographic hash, and the date. You can review your acceptance history at any time in your account.

33. Account suspension

We may suspend or restrict an account where reasonably necessary for security, fraud prevention, abuse, breach of these Terms, unlawful activity, non-payment, risk to other users or to the platform, or to meet a legal requirement.

Where appropriate and lawful, we will give notice and an opportunity to resolve the issue.

34. Account termination

You may close your account at any time from your account settings.

Closing your account removes your account record and the data attached to it — saved markets, saved properties and scenarios, alerts, reports, questions and AI conversations.

We retain a record that you accepted these Terms, including the version, hash and date. That record contains no personal information beyond your account identifier and is kept as evidence of the agreement.

TODO — LEGAL REVIEW: confirm the retention basis and period for acceptance and audit records after account deletion.

35. Data retention

TODO — LEGAL REVIEW: specify retention periods for inactive accounts, server logs, audit records and backups.

36. Disclaimers

To the maximum extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis.

We do not warrant that the Services will meet your requirements, that results will be accurate or suitable for your circumstances, or that the Services will be uninterrupted or error-free.

Nothing in these Terms excludes or limits any warranty, condition, right or remedy that cannot lawfully be excluded or limited, including under applicable consumer protection legislation.

TODO — LEGAL REVIEW: confirm this disclaimer against provincial consumer protection statutes, several of which render broad exclusions void.

37. Limitation of liability

TODO — LEGAL REVIEW — DO NOT DEPLOY WITHOUT THIS.

This clause must be drafted by counsel. Our research indicates that under Ontario's Consumer Protection Act, 2023, consumer rights apply despite any waiver, monetary limits on claims for breach of deemed conditions or warranties are prohibited, and including a prohibited term may render the contract voidable by the consumer for one year and constitute an offence. A broadly drafted clause is therefore actively harmful rather than merely unenforceable.

Any clause must be expressed as applying only "to the maximum extent permitted by applicable law" and must not purport to cap statutory warranty claims.

38. Indemnification

TODO — LEGAL REVIEW: an indemnity from a consumer requires careful drafting and may be unenforceable or restricted in some provinces.

39. Governing law

TODO — LEGAL REVIEW — DO NOT ASSUME A PROVINCE.

Counsel must determine the governing law, taking into account where the entity is established, where users are located, and that several provincial consumer protection statutes override a contractual choice of law or forum. Separate treatment may be required for consumers and business users.

40. Dispute resolution

TODO — LEGAL REVIEW — DO NOT DEPLOY WITHOUT THIS.

Our research indicates that in Douez v Facebook (2017 SCC) a forum selection clause in a consumer clickwrap agreement was held unenforceable on public policy grounds, and that in Uber Technologies v Heller (2020 SCC) an arbitration clause in a contract of adhesion was held unconscionable. Mandatory arbitration and out-of-province forum selection carry significant risk against Canadian consumers and must not be included without counsel's decision.

41. Electronic communications

You agree that we may communicate with you electronically, and that electronic notices satisfy any requirement that a communication be in writing.

Marketing emails require your separate, optional consent, which you can withdraw at any time using the unsubscribe link in any such message or from your account settings.

42. Electronic acceptance

You accept these Terms by taking an affirmative action — ticking an unchecked box and selecting a button confirming your agreement.

Continuing to browse is not acceptance. We do not treat scrolling, page views or continued use as agreement for account holders. Acceptance is recorded with the version, the document hash, the date and time, and the language in which the document was presented to you.

TODO — LEGAL REVIEW: confirm validity under applicable electronic commerce and electronic signature legislation.

43. Severability

If any provision of these Terms is held invalid or unenforceable, that provision is severed to the minimum extent necessary and the remaining provisions continue in force.

44. Entire agreement

These Terms, together with our Privacy Policy and any plan-specific terms, form the entire agreement between you and CanSaveSpace regarding the Services.

45. Assignment

You may not assign your rights under these Terms without our consent. We may assign our rights in connection with a merger, acquisition or sale of assets, subject to applicable law.

46. Contact

TODO — LEGAL REVIEW: insert the legal entity name, registered address, and contact address for legal and privacy notices.

For questions about these Terms, use the contact page on the CanSaveSpace website.

End of CanSaveSpace Terms & Conditions, version 1.0.