CanSaveSpace Terms & Conditions

Version 1.1

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.

The Services are operated by Elijah Oluwunmi, a sole proprietorship based in Alberta, Canada, with its principal place of business at Calgary, Alberta, Canada ("we", "us", "our").

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.

You must be at least 18 years old to create an account. If you are younger than that, you may read publicly available pages but you may not register, and we ask that you do not give us your personal information.

We do not knowingly create accounts for people below this age. If we learn that we have, we will close the account and delete the personal information attached to it.

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

There is nothing to buy. No payment provider is connected to the Services, no plan can be purchased, and we do not hold or process payment card details. Every feature currently available is available at no charge.

Where plan names such as "Free" or "Pro" appear in the interface, they describe limits on how much of a feature you may use. They are not offers to sell.

If we introduce paid plans, we will publish separate terms covering price, billing, renewal, taxes and cancellation, and we will ask you to accept them before you can purchase anything. Those terms will not apply retroactively to your use of the Services before that point.

29. Refunds

No refund terms apply, because nothing can be purchased. See section 28.

Any future refund policy will be drafted to comply with the consumer protection legislation of your province, and will be presented for acceptance before you can make a purchase.

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.

We keep that record because it is the only evidence that the agreement between us existed and on what terms. Deleting it on request would leave neither of us able to establish what was agreed. It is retained for as long as a claim relating to your use of the Services could reasonably be brought, and it is used for no other purpose — not for marketing, not for analytics, and not to build a profile of you.

The same applies to the audit record of the deletion itself.

35. Data retention

We keep information for different lengths of time depending on what it is for:

| What | How long | |---|---| | Your account and the content in it | Until you close the account | | Sign-in sessions | 30 days, then they expire and must be renewed | | Password reset links | 1 hour, and they work only once | | Email confirmation links | 48 hours, and they work only once | | Security rate-limiting records | 24 hours | | Record that you accepted these Terms | Retained as evidence — see section 34 | | Audit records of security-relevant actions | Retained as evidence — see section 34 | | Record that you asked us to stop emailing you | Retained indefinitely, so that we do not email you again | | Figures you type into the calculators | Held in your own browser, never sent to us, cleared by the Reset button on each calculator |

Backups are retained on a rolling basis and are overwritten in the ordinary course. A deletion request is applied to live systems immediately; backups age out rather than being edited, because editing a backup would destroy its integrity.

If you hold an account and stop using it, we will not delete it without telling you first.

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.

This section takes away no right you have under consumer protection legislation. Several Canadian provinces treat a term purporting to remove those rights as void, and in some cases as an offence. Where anything in this section conflicts with such legislation, the legislation applies and this section does not.

37. Limitation of liability

We do not cap what we owe you. This clause sets no dollar limit on our liability. Under Ontario's Consumer Protection Act, 2023 and comparable legislation elsewhere, a term capping a consumer's claim for breach of a deemed condition or warranty is prohibited, and including a prohibited term can make the whole agreement voidable by the consumer for a year. We would rather carry that risk than put a clause in front of you that the law treats that way.

To the maximum extent permitted by applicable law, and subject always to the list below, we are not liable for indirect, incidental, special or consequential loss, or for lost profits, lost opportunity or lost data, arising from your use of the Services.

Nothing in these Terms limits or excludes:

• liability for fraud or fraudulent misrepresentation;
• liability for death or personal injury caused by negligence;
• any right or remedy you have under consumer protection legislation; or
• anything else that cannot lawfully be limited or excluded.

What this means in practice. The Services produce estimates from assumptions you supply. They are educational tools, not advice, and they do not know your circumstances. If you act on a figure from a calculator without checking it against your own situation and appropriate professional advice, that decision is yours. This is a statement about what the tools are — not an attempt to contract out of responsibility for our own conduct.

38. Indemnification

If you use the Services as a consumer, this section does not apply to you. A broad indemnity given by a consumer is restricted or unenforceable in several provinces, and we do not ask for one.

If you use the Services in the course of a business, you agree to cover reasonable costs we actually incur from a third-party claim caused by content you submitted, or by your use of the Services in breach of the law or of these Terms. This does not extend to anything caused by us. We will tell you promptly about any such claim and let you take part in its defence.

39. Governing law

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada that apply there.

This does not move you out of your own province's protection. If you live in another Canadian province, the consumer protection legislation where you live continues to apply to you. Nothing in this section limits a right you have there, or requires you to bring a claim somewhere inconvenient.

40. Dispute resolution

You are not required to arbitrate, and you are not required to sue us far from home. In Uber Technologies Inc. v Heller (2020 SCC 16) the Supreme Court of Canada held an arbitration clause in a standard-form contract unconscionable, and in Douez v Facebook, Inc. (2017 SCC 33) it declined to enforce a forum selection clause in a consumer clickwrap agreement. We have included neither.

If something goes wrong:

1. Tell us first. Contact us using the details in section 46, setting out what happened and what you would like done. We will respond, and will try in good faith to resolve it with you. 2. If that does not resolve it, you are free to bring a claim in the courts of the province where you live, or to take the matter to a consumer protection authority, tribunal or small claims court in your province.

Nothing in this section limits your right to seek urgent relief from a court at any time, or requires you to wait before doing so.

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.

Canadian federal and provincial electronic commerce legislation provides that a contract is not invalid merely because it was formed electronically, and that an electronic record satisfies a requirement for writing where it is accessible and capable of being retained. These Terms are presented in full before acceptance, can be read without an account, and remain available in your account afterwards alongside the version you accepted and the date.

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

Elijah Oluwunmi Calgary, Alberta, Canada

Legal and privacy notices: info@cansavespace.ca

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

End of CanSaveSpace Terms & Conditions, version 1.1.