Terms of Use

Last updated February 25, 2025.

1. ACCEPTANCE OF THE WEBSITE TERMS AND CONDITIONS OF USE

These website terms and conditions of use (the “Terms and Conditions”) govern access to and use of digital platforms operated by Ownwell Technologies Inc. and its related affiliates and subsidiaries (“Ownwell”," "we," "us," "our"), including but not limited to our website, www.ownwell.ca, its associated applications, client portals, and any other websites, software, or services (collectively the “Website”). These Terms and Conditions constitute a legal agreement and are entered into by and between Ownwell and any individual or entity accessing or using the Website (“User”, “you”, “your”).

The following terms and conditions, together with our Privacy Policy, any order forms, or other documents provided to you in connection with our services, and any documents and/or additional terms they expressly incorporated by reference (collectively, these "Terms and Conditions"), govern your access to and use of the Website, including any content, functionality, and services offered on or through the Website. 

BY CLICKING TO ACCEPT, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS AND CONDITIONS. YOU REPRESENT AND WARRANT YOU ARE OF LEGAL AGE OF MAJORITY UNDER APPLICABLE LAW TO FORM A BINDING CONTRACT WITH US, HAVE THE AUTHORITY TO ENTER INTO THESE TERMS AND CONDITIONS, WHETHER ON YOUR OWN BEHALF, ON BEHALF OF A COMPANY OR LEGAL ENTITY, OR AS AN AUTHORIZED REPRESENTATIVE OF ANOTHER INDIVIDUAL, AND MEET ALL OTHER ELIGIBILITY REQUIREMENTS HEREIN. IF YOU DO NOT MEET ALL OF THESE REQUIREMENTS OR AGREE TO THESE TERMS AND CONDITIONS YOU MUST NOT ACCESS OR USE THE WEBSITE OR ANY SERVICES OFFERED ON OR THROUGH THE WEBSITE.

2. MODIFICATIONS TO THE TERMS AND CONDITIONS

We may change these Terms and Conditions at any time in our sole discretion without notice. Any changes are effective immediately upon posting and apply to all access to and continued use of the Website. By periodically reviewing the Terms and Conditions and continuing to use the Website, you agree to accept any modifications.

The information and material on this Website may be changed, withdrawn, or terminated at any time in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is restricted to users or unavailable at any time or for any period.

3. OWNWELL SERVICES

Ownwell provides innovative tools and technology to help Mortgage Professionals and Referral Partners strengthen client relationships and generate new business opportunities. Our services include, but are not limited to:

  • Client Nurture: A solution that enables Mortgage Professionals to engage with existing and past clients (Homeowners) through personalized homeownership reports, helping to maintain long-term relationships and provide ongoing value.

  • Adopt My Mortgage: A solution that allows Mortgage Professionals to collaborate with Referral Partners (such as real estate agents, financial advisors, and lawyers) or market directly to Homeowners via personalized landing pages, offering homeownership reports and generating new leads

  • Homeownership Reports & Insights: A system that compiles real estate, mortgage, and financial data to generate personalized homeownership reports, giving Homeowners insights into their mortgage status, home value, and financial options.

  • Referral Partner Collaboration Tools: A feature that facilitates seamless integration between Mortgage Professionals and their Referral Partners, allowing them to co-manage client engagement, enhance communication, and streamline data-sharing.

  • Data & Market Insights: Aggregated, anonymized analytics that provide Mortgage Professionals and Referral Partners with trends and insights on the real estate and mortgage market, helping them make informed business decisions.

(collectively, our “Services”)

4. WHO CAN USE OUR SERVICES

Our Services are designed for professionals and individuals involved in mortgage and real estate transactions. Users of the Website and Services include: 

  • Mortgage Professionals: For the purposes of these Terms and Conditions, “Mortgage Professionals” means individuals or businesses, such as mortgage brokers, who subscribe to our Website or Services to generate homeownership reports and manage client relationships. In some cases, third-party marketing consultants or agencies may facilitate client engagement on behalf of Mortgage Professionals but do not replace the Mortgage Professional as the primary relationship holder.

  • Referral Partners: For the purposes of these Terms and Conditions, “Referral Partners” means real estate agents, financial advisors, lawyers, and other professionals who collaborate with Mortgage Professionals or act as intermediaries in marketing, outreach, or client engagement efforts,  introducing Homeowners to our Services.

  • Homeowners: For the purposes of these Terms and Conditions, “Homeowners” means individuals who engage with our Website or Services by receiving homeownership reports and insights, either directly or through a Mortgage Professional, Referral Partner, or a third-party consultant acting on their behalf. In contexts where a Mortgage Professional, Referral Partner, or consultant has an established business relationship with the individual, the term "Homeowner" may also be referred to as "client." 

By accessing or using our Services, you confirm that you fall within one of the above categories and agree to comply with these Terms and Conditions.

5. CONSENT AND DATA SHARING

Our Services rely on data uploaded by Mortgage Professionals, Referral Partners, and third-party consultants and integrations. By using our Services, you confirm that you have obtained all legally required consents from any individual whose personal information you submit to the Website.

We do not verify or validate whether users, including Mortgage Professionals, Referral Partners, or third-party consultants, have obtained proper authorization to collect or share personal information. Users acknowledge that failure to secure appropriate consent may violate applicable privacy laws, including:

  • British Columbia’s Personal Information Protection Act (“PIPA”)

  • The federal Personal Information Protection and Electronic Documents Act (“PIPEDA”)

  • Any other provincial or federal regulations governing data privacy and electronic communications.

Users who upload or process personal information through the Website bear full responsibility for ensuring all necessary consents have been obtained prior to such upload or processing. Ownwell disclaims all liability for any unauthorized data use, collection, or sharing. Where third-party consultants act on behalf of a Mortgage Professional or Referral Partner, they must ensure compliance with all applicable privacy laws. Mortgage Professionals and Referral Partners remain responsible for ensuring that their third-party service providers adhere to relevant data protection obligations.

Users who upload, share, or process personal information without proper authorization assume full legal responsibility for compliance with applicable privacy laws andagree to indemnify and hold Ownwell harmless against any claims, fines, regulatory actions, or legal consequences arising from unauthorized data collection, sharing, or processing.

6. EMAIL COMMUNICATION AND CASL COMPLIANCE

Users who provide contact information for Homeowners acknowledge that Ownwell will send homeownership reports and related communications via email. Ownwell complies with Canada’s Anti-Spam Legislation (“CASL”) and only sends such communications where there is:

  • Express consent from the recipient; or

  • Implied consent under CASL (e.g., existing business relationships, inquiries, or referrals).

Users must not upload contact information for individuals who have not consented to receive communications. Ownwell disclaims all liability for any unsolicited messages that result from user-submitted data, and users agree to indemnify Ownwell for any CASL violations

7. RISK DISCLOSURE AND NO RELIANCE

By using our Services, you acknowledge and agree that all tools, reports, and insights provided through the Website are for informational purposes only and should not be construed as financial, mortgage, legal, or real estate advice. Ownwell does not provide financial advisory services, mortgage brokerage services, or real estate evaluations. We do not guarantee the accuracy, completeness, timeliness, or applicability of any information provided through our Website. 

Our Services rely on third-party data sources, integrations, and information provided by Mortgage Professionals and Referral Partners. Ownwell does not verify, validate, or assume responsibility for the accuracy, legality, or completeness of any data submitted by users, nor do we endorse or validate external data providers. Users are responsible for ensuring compliance with all applicable privacy laws, financial regulations, and industry best practices when using our Services. 

In cases where a third-party consultant or agency manages marketing efforts on behalf of a Mortgage Professional, Ownwell does not oversee or verify the accuracy of any information submitted by the consultant. Users are solely responsible for reviewing and confirming the accuracy of all data before relying on Ownwell reports and insights.

Users acknowledge that they are solely responsible for any decisions made based on Ownwell’s reports, insights, and tools. Any decisions regarding mortgage financing, homeownership planning, or client engagement strategies should be made with the guidance of qualified professionals, including licensed mortgage brokers, financial advisors, real estate agents, or legal counsel. 

Your use of the Website and Services is at your own risk. Ownwell, its subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, and successors (collectively, the “Representatives”) expressly disclaim all responsibility and liability for any financial loss, business decision, or adverse outcome resulting from reliance on our reports, insights, or tools. 

We make no warranties, guarantees, or representations regarding the accuracy, applicability, or usefulness of the information provided through our Website. Any reliance on our content is at your sole discretion, and Ownwell shall not be liable for errors, omissions, market fluctuations, or decisions based on its data-driven insights.

8. FEES, CANCELLATIONS, RESCHEDULING

Our Services are provided on a subscription basis, with pricing dependent on the selected plan. The fees for Services will be communicated at the time of sign-up and are subject to the terms of the chosen subscription plan. We reserve the right to modify our pricing at any time. Any fee changes will not affect active subscription periods but will apply to renewals and new subscriptions after the change is communicated.

Cancellations and Subscription Management

  • Monthly Subscriptions: Users may cancel at any time, and cancellation will take effect at the end of the current billing period. No partial refunds will be issued for unused time within a billing cycle.

  • Annual Subscriptions: Users who cancel an annual subscription will retain access to our Services for the remainder of the paid term, but no refunds will be issued for early termination.

Refund Policy

  • Refund requests are handled on a case-by-case basis at our sole discretion. While we do not offer automatic refunds, we will consider exceptions in certain circumstances, such as accidental duplicate payments. 

  • If a user has accessed or used the Website within the subscription period, refunds will generally not be available.

9. YOUR RESPONSIBILITIES

By accessing and using our Services, you, as a Mortgage Professional, Referral Partner, or Homeowner, agree to:

  • Provide accurate, complete, and up-to-date information when creating an account, submitting data, or engaging with the Website. 

  • Obtain all necessary legal consents before uploading, sharing, or processing Homeowner information through the Website. 

  • Comply with all applicable privacy laws, anti-spam laws, and data protection regulations. 

  • Use our Services responsibly, solely for their intended purposes, and refrain from unauthorized, fraudulent, or disruptive activities. 

  • Verify third-party data before relying on it for financial, mortgage, or real estate decisions. 

  • Ensure your use of our Services complies with local laws if accessing from outside British Columbia or Canada. 

  • Keep account credentials secure and report any unauthorized access, security breaches, or misuse of the Website immediately. 

  • Accept responsibility for any regulatory non-compliance, including violations of PIPA, PIPEDA, or CASL, resulting from your use of our Services.

Failure to adhere to these responsibilities may result in restricted access to the Website, account termination, or other corrective actions at our discretion.

10. INTELLECTUAL PROPERTY RIGHTS AND OWNERSHIP

Ownership of intellectual property:

  • The Website, including its entire contents, features, functionality, homeownership reports, analytics, software, and other materials are the exclusive property of Ownwell, its affiliates, subsidiaries, licensors, or other authorized providers and are protected by intellectual property laws. You have no right, title, or interest in or to the Website or any content provided through it. All rights not expressly granted are reserved by Ownwell. 

  • Trademarks like "Ownwell Technologies”, “Ownwell” and any other corresponding variations, are owned by Ownwell, its affiliates, subsidiaries, or its licensors, and cannot be used without permission;

  • Third-party trademarks displayed on the Website belong to their respective owners and cannot be used without proper authorization.

  • Unauthorized use, reproduction, distribution, or modification of any proprietary content, including homeownership reports, data analytics, or platform materials, is strictly prohibited and may result in legal consequences.

Use of our intellectual property: 

  • You may access and use our Services for personal or business purposes only to the extent permitted under these Terms and Conditions.

  • You must not directly or indirectly reproduce, compile for an internal database, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, in any form or medium whatsoever, without express permission;

  • You may print or download a reasonable number of copies of reports or insights for personal, internal business, or client engagement purposes, provided all proprietary notices remain intact.

  • Any attempt to reverse engineer, scrape, or commercially exploit Ownwell’s technology, data models, or content is strictly prohibited.

  • You must not remove, alter, or obscure any copyright, trademark, or proprietary notices on our Website or materials.

  • Any unauthorized use of our intellectual property may result in account suspension, legal action, or other enforcement measures to protect our rights and those of our content providers, and may infringe or violate copyright, trademark, and other intellectual property or other proprietary laws.

11. THIRD-PARTY WEBSITES, DATA INTEGRATIONS, AND EXTERNAL WEBSITES

Our Services may integrate with third-party platforms, including but not limited to real estate and mortgage data providers, CRM tools, payment processors, and analytics platforms. While these integrations enhance the functionality of our Website, Ownwell does not control, endorse, or assume responsibility for their accuracy, security, or compliance with applicable laws. Users acknowledge that they engage with these third-party services at their own risk and are responsible for ensuring that any data they submit complies with applicable laws and regulations. 

Additionally, the Website may include links to third-party websites for informational purposes. Ownwell makes no representations about the accuracy, security, or legality of these websites and disclaims any liability for losses or damages resulting from their use. Users should review and comply with the terms and privacy policies of any third-party website they access through the Website.

Ownwell does not verify or validate third-party data submitted through its Website and assumes no liability for errors, omissions, or misrepresentations in such data. Users are responsible for obtaining any necessary consents before sharing or uploading personal or financial information through the Website or integrated third-party tools. 

If you wish to link to our Website, you may do so only with express permission and in a manner that does not misrepresent any endorsement, affiliation, or sponsorship by Ownwell. Ownwell reserves the right to withdraw linking permission at any time without notice. 

By using our Services, users acknowledge and accept that Ownwell is not responsible for any third-party service failures, security breaches, or inaccurate information obtained through external integrations, websites, or data sources.

12. PRIVACY

We take the security of your personal information seriously and implement industry-standard safeguards to protect data transmitted through our Website. However, the internet is not always a completely secure environment, and Ownwell cannot guarantee the absolute security of any personal information transmitted via the Website or through email communications. 

Ownwell employs encryption protocols, secure access controls, and compliance measures in accordance with applicable privacy laws, including the PIPA and PIPEDA. More details on our data security practices can be found in our Privacy Policy. By using the Website, you acknowledge that any transmission of personal information is at your own risk, and Ownwell is not responsible for unauthorized access, breaches, or data interception that may occur beyond our security measures. You are also responsible for ensuring that any individuals accessing the Website through your internet connection comply with these Terms and Conditions. 

The Website may use cookies and other automated tracking technologies to improve user experience, analyze website activity, and enhance functionality. By using the Website, you consent to the use of cookies. You may manage your cookie settings through your browser preferences, including receiving notifications before a cookie is placed or disabling cookies altogether. However, disabling cookies may impact the functionality of certain features on the Website. For more information on how we use cookies and automated data collection, please refer to our Privacy Policy.

13. ACCOUNT SET-UP

Any username, password, or any other piece of information chosen by you, or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You understand and agree that should you be provided an account, your account is personal to you and you agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.

We reserve the right at any time and from time to time, to disable or terminate your account, any username, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms and Conditions.

14. PROHIBITED ACTIVITIES

You are prohibited from attempting to circumvent and from violating the security of this Website, including, without limitation: 

(a) accessing content and data that is not intended for you; 

(b) attempting to breach or breaching the security and/or authentication measures which are not authorized;

(c) restricting, disrupting or disabling service to users, hosts, servers, or networks; 

(d) illicitly reproducing TCP/IP packet header; 

(e) disrupting network services and otherwise disrupting Website owner’s ability to monitor the Website; 

(f) using any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website; 

(g) introducing any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; 

(h) attacking the Website via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing, or crashing; 

(i) utilizing the Website or Services for the benefit of competitors, rival businesses, or any other parties seeking to gain information on our business practices, or to analyze, dissect, or replicate our processes or Services; and,

(j) otherwise attempting to interfere with the proper working of the Website.

15. SITE MONITORING AND ENFORCEMENT, SUSPENSION, AND TERMINATION

We have the right, without notice, to:

  • Take appropriate legal action if there is any illegal or unauthorized use of the Website. This may include involving law enforcement, regulatory authority, or informing the harmed party;

  • Cooperate with law enforcement agencies or comply with court orders requesting us to disclose the identity or other information of anyone who has posted any materials on or through the Website. 

  • Terminate or suspend your access to the Website, with or without reason, including if there is any violation of these Terms and Conditions. 

YOU WAIVE AND HOLD HARMLESS OWNWELL AND ITS REPRESENTATIVES FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY OWNWELL AND ITS REPRESENTATIVES RELATING TO ANY, INVESTIGATIONS BY EITHER OWNWELL OR SUCH PARTIES OR BY LAW ENFORCEMENT AUTHORITIES.

16. DISCLAIMER OF WARRANTIES

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS ACCESSED OR ATTAINED THROUGH THE WEBSITE, INCLUDING ANY THIRD-PARTY INTEGRATIONS, OR ANY REPORTS, INSIGHTS, OR ANALYTICAL TOOLS PROVIDED THROUGH THE PLATFORM, IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS ACCESSED OR ATTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THIS DISCLAIMER DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

NEITHER OWNWELL NOR ITS PARENT, SUBSIDIARIES, AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS MAKE ANY WARRANTY, REPRESENTATION, OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY, OR AVAILABILITY OF THE WEBSITE OR ITS CONTENTS, INCLUDING ANY CONTENT OR SERVICES PROVIDED BY THIRD-PARTY INTEGRATIONS. WITHOUT LIMITING THE FOREGOING, NEITHER OWNWELL NOR ITS PARENT, SUBSIDIARIES, AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS REPRESENT OR WARRANT THAT THE WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS ACCESSED OR ATTAINED THROUGH THE WEBSITE (INCLUDING HOMEOWNERSHIP REPORTS, PROPERTY INSIGHTS, AND FINANCIAL ANALYSES) WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE CANNOT AND DO NOT GUARANTEE OR WARRANT THAT FILES OR DATA AVAILABLE FOR DOWNLOADING FROM THE INTERNET OR THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER DESTRUCTIVE CODE, INCLUDING THOSE THAT MAY BE TRANSMITTED THROUGH THIRD-PARTY INTEGRATIONS. YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE WEBSITE AND YOUR COMPUTER, INTERNET, AND DATA SECURITY, INCLUDING ANY THIRD-PARTY INTEGRATIONS OR SERVICES THAT YOU MAY ACCESS THROUGH THE WEBSITE. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING, OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

OWNWELL DOES NOT VERIFY OR GUARANTEE THE ACCURACY OR LEGALITY OF ANY USER-SUBMITTED DATA, INCLUDING INFORMATION PROVIDED BY MORTGAGE PROFESSIONALS, REFERRAL PARTNERS, OR THIRD-PARTY DATA SOURCES. ALL USERS ARE RESPONSIBLE FOR ENSURING THEY HAVE OBTAINED APPROPRIATE CONSENTS AND AUTHORIZATIONS BEFORE UPLOADING OR SHARING ANY THIRD-PARTY DATA THROUGH THE WEBSITE. RELIANCE ON ANY INFORMATION PROVIDED BY THE WEBSITE, ITS REPRESENTATIVES, OR OTHERS APPEARING ON THE WEBSITE IS AT YOUR OWN RISK.

17. LIMITATION ON LIABILITIES

EXCEPT WHERE SUCH EXCLUSIONS ARE PROHIBITED BY LAW, UNDER NO CIRCUMSTANCE WILL OWNWELL NOR ITS REPRESENTATIVES BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION, FUNDAMENTAL BREACH, OR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OPPORTUNITIES, ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF CORRUPTION OF DATA, INCLUDING HOMEOWNER INFORMATION, BUSINESS INTERRUPTION OR DELAYS RESULTING FROM WEBSITE DOWNTIME OR SYSTEM FAILURE, BREACH OF PRIVACY ARISING FROM USER ACTIONS OR THIRD-PARTY ACCESS, AND WHETHER CAUSED BY TORT, BREACH OF CONTRACT, BREACH OF PRIVACY, OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH: YOUR USE, OR INABILITY TO USE, OR RELIANCE ON, THE WEBSITE, ANY LINKED WEBSITES, OR ANY THIRD-PARTY WEBSITES; ANY ERRORS, OMISSIONS, OR INACCURACIES IN REPORTS, INSIGHTS, OR MORTGAGE/PROPERTY DATA PROVIDED THROUGH THE PLATFORM; ANY DELAYS, DISRUPTIONS, OR SECURITY INCIDENTS RESULTING FROM THIRD-PARTY SERVICE PROVIDERS OR INTEGRATIONS.

WITHOUT LIMITING THE FOREGOING, OWNWELL EXPRESSLY DISCLAIMS LIABILITY FOR ANY ERRORS OR INACCURACIES IN THIRD-PARTY DATA SOURCES, PROPERTY VALUATIONS, MORTGAGE RATES, OR HOMEOWNERSHIP REPORTS. USERS MUST INDEPENDENTLY VERIFY ALL INFORMATION BEFORE RELYING ON IT FOR ANY DECISION-MAKING. ANY REGULATORY NON-COMPLIANCE ARISING FROM USERS' FAILURE TO OBTAIN NECESSARY CONSENTS BEFORE SUBMITTING CLIENT OR HOMEOWNER DATA. USERS ASSUME FULL RESPONSIBILITY FOR COMPLIANCE WITH PRIVACY LAWS, INCLUDING PIPA, PIPEDA, AND CASL. SECURITY BREACHES OR UNAUTHORIZED ACCESS TO CLIENT OR HOMEOWNER INFORMATION OCCURRING THROUGH USER-SUBMITTED DATA, THIRD-PARTY INTEGRATIONS, OR IMPROPER STORAGE OF PERSONAL INFORMATION BY USERS THEMSELVES.

WHILE OWNWELL EMPLOYS INDUSTRY-STANDARD SECURITY TECHNOLOGIES, INCLUDING ENCRYPTION, FIREWALLS, AND ACCESS CONTROLS, WE CANNOT GUARANTEE COMPLETE SECURITY OF USER DATA. USERS MUST ENSURE THAT THEY HANDLE AND STORE DATA IN COMPLIANCE WITH APPLICABLE PRIVACY LAWS.

WHEN YOU ENGAGE WITH OUR SERVICES OR THIRD-PARTY PROVIDERS, YOU DO SO UNDERSTANDING THE LIMITS OF SUCH SERVICES AND AGREE TO HOLD OWNWELL AND ITS REPRESENTATIVES HARMLESS AGAINST ANY CLAIMS ARISING FROM: YOUR RELIANCE ON ANY REPORTS, INSIGHTS, OR ANALYSES PROVIDED THROUGH THE WEBSITE, YOUR FAILURE TO OBTAIN PROPER CONSENT OR COMPLY WITH PRIVACY REGULATIONS, DATA INACCURACIES RESULTING FROM THIRD-PARTY PROVIDERS OR USER-SUBMITTED CONTENT, OR UNSOLICITED COMMUNICATIONS OR CASL VIOLATIONS RESULTING FROM USER-PROVIDED CONTACT DATA.

18. INDEMNIFICATION

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Ownwell, its Representatives, and assigns against any claims, demands, losses, liabilities, damages, costs, judgments, or expenses (including reasonable legal fees) arising from or related to:

(a) Your breach of these Terms and Conditions, or any violation of applicable laws, including but not limited to privacy laws (such as PIPAand PIPEDA), anti-spam laws (such as CASL), and data protection regulations.

(b) Your use of the Website, including any reliance on reports, insights, or other analytical tools. 

(c) Your interactions with third-party data sources, including Mortgage Brokers, Referral Partners, marketing consultants, agencies, property valuation providers, or financial data platforms. 

(d) Any data or contact information submitted to the Website without proper authorization or consent, including Homeowner or client information uploaded by Mortgage Professionals or Referral Partners, or third-party consultants/agencies acting on their behalf.

(e) Any unauthorized collection, use, processing, disclosure, or sharing of personal information by Mortgage Professionals, Referral Partners, or third-party consultants engaged by them. 

This indemnification obligation extends to claims brought by any third party, including regulatory authorities, data subjects (including Homeowners), or other users of our Services.

19. GEOGRAPHIC RESTRICTIONS

Ownwell is headquartered in British Columbia, Canada, and its Services are primarily designed for users located in British Columbia and other Canadian provinces. While the Website may be accessible outside of Canada, we do not guarantee compliance with laws in other jurisdictions. Users who access Ownwell from outside British Columbia or Canada do so at their own risk and are responsible for ensuring their use of our Services complies with local financial, mortgage, and privacy regulations. 

Ownwell does not represent or warrant that its Services, reports, or Website features are permitted or appropriate for use in other locations. Ownwell explicitly disclaims all liability for regulatory compliance issues, legal restrictions, or damages arising from international use of the Website.

If you are located outside Canada, you acknowledge and accept that: 

  • Your data may be processed and stored in Canada, where privacy laws may differ from those in your jurisdiction. 

  • Ownwell is not responsible for compliance with non-Canadian laws governing mortgage transactions, data privacy, or electronic communications. 

  • Users must ensure their own compliance with applicable laws before using our Services in non-Canadian jurisdictions.

20. ACCESSIBILITY AND ACCOMMODATIONS

We are committed to making our Website and Services accessible to all users, including Mortgage Professionals, Referral Partners, and Homeowners. We strive to provide an inclusive and user-friendly experience across our Website and Services.

If you require accessibility accommodations or have specific needs related to how you engage with our Website, please contact us at support@ownwell.ca. While we will make every effort to accommodate reasonable requests, certain limitations may apply based on the nature of our Services and third-party integrations.

We continuously evaluate ways to improve accessibility and user experience, and we welcome feedback from users who require additional support.

21. LANGUAGE

Our Services, reports, and Website are currently offered in English only. At this time, we do not provide multilingual support or translation services. Users engaging with our Website should have a functional understanding of English to navigate the Website, interpret homeownership reports, and effectively utilize our tools and insights. 

We recognize the importance of language accessibility and may introduce support for additional languages, such as French, in the future. Any updates to language availability will be communicated on our Website.

22. GOVERNING LAW AND CHOICE OF FORUM

The Website and its Terms and Conditions is governed by and construed in accordance with the laws of the province of British Columbia and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision, principle, or rule (whether of the laws of the province of British Columbia or any other jurisdiction). The foregoing applies regardless of where you are located or where you live.

Any action or proceeding arising out of or relating to this Website and under these Terms and Conditions will be instituted in the courts of the province of British Columbia and/or the Federal Court of Canada. By using this Website, you agree to submit to the exclusive jurisdiction of these courts for any legal proceeding. You waive any objections to the jurisdiction or venue of these courts.

23. WAIVER

If we do not enforce any right, remedy, power, or privilege provided by these Terms and Conditions, or we delay in doing so, it does not mean that we waive our right to enforce such provision in the future. Additionally, if we exercise any right, remedy, power, or privilege provided by these Terms and Conditions, it does not prevent us from exercising any other right, remedy, power, or privilege available to us.

24. SEVERABILITY

If any term or provision of these Terms and Conditions is invalid, illegal, or unenforceable in any jurisdiction, it will not affect the validity, legality, or enforceability of any other part of these Terms and Conditions. The severable term or provision will still be valid and enforceable in any other place where it is lawful.

25. ENTIRE AGREEMENT

The Terms and Conditions, our Privacy Policy, and any documents and/or additional terms they expressly incorporated by reference, constitute the sole and entire agreement between you and Ownwell, regarding the Website and supersedes all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, regarding such subject matter.

26. REPORTING AND CONTACT

This website is operated by Ownwell Technologies Inc. 

All notices of copyright infringement claims should be sent to the copyright agent at support@ownwell.ca

Should you become aware of misuse of the website including libelous or defamatory conduct, you must report it to us at support@ownwell.ca

 All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to support@ownwell.ca