Terms & Conditions
Padder Financial Inc. (the “Company”)
PARTIES ACCESSING THE SITE AGREE TO BE BOUND BY OUR TERMS
APPROVAL OF THE TERMS
You may not use the Product nor accept these Terms if you are not of a legal age to form a binding contract with us. If You accept these Terms, You represent that You have the capacity to be bound by them, or if You are acting on behalf of a company or entity, that You have the authority to bind such a company or entity (and in which case “You” will refer to the company or entity).
We may add to, discontinue or revise these Terms or any aspect, mode, design, or service provided under the Product pursuant to the privacy legislation and regulations under the Act which include but are not limited to the:
a) scope of the features;
b) timing of the features;
c) software/hardware required for access to the Product; and
d) geographic locations or jurisdictions in which certain features may be available.
We may amend the Terms without notice for non-material amendments. In the event of a material change, we will provide the User with fourteen (14) days’ notice of a material change in the Terms and conditions (including changes in pricing) via email to the email address supplied to us by the User, setting out:
a) the new or amended agreement terms;
b) how such terms read formerly;
c) the date of the coming into force of the amendment;
d) the means in which You can respond and the effects of not responding;
e) the option to either terminate the agreement or retain the existing agreement unchanged (if possible); and
f) the language of this provision with reference to the applicable consumer protection legislation rules for amending these terms and making any additional requirements for amendments as prescribed by law (if any).
We highly recommend that Users read any amendments carefully. Unless explicit consent is required by the law, we have the right to assume that You have accepted the change to the terms and conditions, unless You notify us to the contrary, no later than fourteen (14) days after we send you the notice of the amendment, that You desire to cancel the contract or deregister or unsubscribe from access to the Product.
Payment. Payment for the Product is set out in the Schedule “A” Product Specifications. Payment from Users will be due upon delivery of an electronic invoice from the Company sent via the portal. Any amounts payable by the User hereunder which remain unpaid thirty (30) days after an invoice is delivered shall (a) if the Company determines in its sole discretion to apply interest, bear interest at the maximum amount allowable by law, such interest to be calculated on a daily basis from the date the payment becomes overdue until the date payment is made in full; and/or (b) the User will be downgraded to the model of the Product which is free.
We are not liable for any payments that are not completed because: (1) your debit or credit card account does not contain sufficient funds to complete the transactions or the transactions would exceed the credit limit or overdraft protection of the debit or credit card account; (2) You have not provided us with correct payment account information; (3) your debit or credit card has expired; or (4) of circumstances beyond our control (such as but not limited to, power outages, overzealous fraud protection rules applied by your payment card brand or acquirer bank, or any other interface from an outside force).
All Payment is exclusive of any taxes or duties imposed by jurisdiction tax law. The Company will not be responsible for any taxes or duties owed by You.
These Terms are effective on the date that You access the Product and will continue to apply until our relationship with You is terminated. Users may terminate their relationship with us by notifying the Company via email at email@example.com or within the Product portal. The services provided by the Product and the applicable fees shall continue until the end of the Users current subscription term after the User has notified us of the User's desire to unsubscribe from the Product, to close your account, and to cease your use of the Product.
We may terminate our relationship with You immediately at any time and for any reason including, but not limited to, a breach of these Terms under the following circumstances:
a) if You have not adhered to any or all the provisions of the Terms (such as a failure to pay fees when due) or if it appears that You do not intend to or are unable to comply with the Terms, such determination to be made solely at our discretion;
c) if we are required to terminate the relationship by law;
d) if we receive any notice of your misuse of the Product;
e) if provision of the Product is no longer commercially viable for us; or
f) if it is brought to the Company’s attention by tenant Users that the landlord User is operating otherwise then in accordance with all applicable laws, resulting in or having the potential to result in poor reviews and publicity from the Company’s association with such landlord User, the Company may in its sole discretion, terminate such landlord User;
In addition, there may be additional termination rights particular to this Product set out in Schedule “A” Product Specifications.
Upon termination of our relationship, we will immediately revoke your license to use the Product and block all access to your account, and may delete all data and information associated with your account within fourteen (14) days after such termination. Upon termination of this relationship, You will remain liable for any accrued charges and amounts which become due for payment prior to or following termination.
Renewal. Details on how this Product is renewed or opted out of are set out in Schedule “A” Product Specifications.
USE OF THE PRODUCT
In order to use the Product, an User must register using our registration page.
Eligibility. To be eligible to use the Product, you must: (a) have a verifiable email address; (b) have a verifiable Canadian mobile phone number; and (c) be at least 18 years of age. You may not open an account if you are a competitor of the Company.
Registration Information: You agree and understand that You are responsible for maintaining the confidentiality of your password, which, together with your name, username and email address (“User ID”), allows You to access the Product. Your name, proof of ID document(s), phone number, email, username and password, together with any other contact information You provide us at the time of signing up for the Product form your “Registration Information.” You agree that all Registration Information provided to us will be accurate and up-to-date. Users may update your Registration Information with us by notifying the Company via email at firstname.lastname@example.org or within the Product portal. You agree to keep your password secure. We will not be liable if we are unable to retrieve or reset a lost password. If You become aware of any unauthorized use of your password or account, You agree to notify us via email at email@example.com as soon as possible.
Identity Authentication. You hereby authorize the Company, directly or through third parties, to make any inquiries we consider necessary to validate your identity. This may include asking you for further information, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report for your landlord and verifying your information against third party databases or through other sources. You represent and warrant that you have the power and authority to provide this information to us.
Credit Report. As a tenant User, you consent to our notification to Equifax, a Canadian credit bureau of your payments made in the portal to your landlord for the purpose of building and making accurate your credit history. The landlord may request consumer reports on you in connection with your application for tenancy or any other lawful purpose. We expressly disclaim any express or implied warranty that using the Product will build or better your credit history.
Permitted Uses: You agree to use the Product only for purposes that are permitted, both by the Terms and by any applicable law, regulation, or generally accepted practices or guidelines, in relevant local, national, and international jurisdictions. You agree to adhere to any applicable privacy of personal information laws and regulations, including as outlined in the privacy legislation.
Unauthorized Access: You agree to only access (or try to access) and use the Product through interfaces provided by us. You shall not access (or try to access) and use the Product through any automated means, including, but not limited to, scrapers, scripts, robots, or web crawlers. You agree not to use or attempt to use another user’s account. You agree not to impersonate any person or entity, or falsely state or otherwise misrepresent yourself, Your personal information, or Your affiliations with any person or entity.
Prohibited Uses: You may use our Website, Product, services, and products only for lawful purposes. You may not use our Website, Product, services, or products in any manner that:
a) breaches any applicable local, national or international law or regulation;
b) may in any way be considered harassment to another person or entity;
c) may in any way be unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
d) may in any way damage, disable, overburden, and/or impair the the Product server, or any network connected to the Product server, and/or interfere with any other party’s use or enjoyment of the Product;
e) is in any way abusive, defamatory, misleading, fraudulent, pornographic or otherwise explicit in nature or written in bad faith;
f) harms or attempts to harm minors in any way
g) will reproduce, duplicate, copy, sell, resell or exploit any portion of the Product;
h) will abuse either verbally, physically, written or other abuse (including threats of abuse or retribution) of any Product customers, employees, members, or officers; or
i) causes you to set up or use more than one account at any one time;
and any of the foregoing will result in immediate account termination.
You represent and warrant that You will not use the Product to upload, post, link to, email, transmit, or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or any telecommunications equipment. Nor will You post or distribute any computer program that damages, detrimentally interferes with, surreptitiously intercepts, or expropriates any system, data, or personal information. You further represent and warrant that You will not disrupt the functioning of the Website, in any manner.
Moderation: You understand and agree that although the Company is not required to moderate your use of the Product, it may in its sole judgment review and delete any content in whole or in part, for any reason whatsoever, which without limitation, violate these Terms or which might be offensive, illegal, or that might violate the rights, harm, or threaten the safety of others.
User Responsibility: You agree that You are solely responsible for any breach of your obligations under the Terms and for the consequences of any such breach. We have no responsibility to you or to any third party for such breaches or the consequences of such breaches (including losses or damage that we may incur).
You understand that when using the Product, You may come across material that You find objectionable, offensive or indecent and agree that You are using the Product at your own risk.
Technical Requirements: Use of the Product requires internet access through your computer, or ios or android mobile device. You may be required to have certain settings enabled to use the Product, and some features of the Product may not be accessible with certain technologies disabled.
Electronic Communications. When you visit the Website, use the Product, or send emails to us, you are communicating with us electronically and consent to receive communications from us electronically, including but not limited to, text message alerts, push notifications via the portal, phone call reminders, emails, newsletter subscriptions, notifications on the mobile app, etc. to the extent permissible by law. We will communicate with you by electronic method, or by posting notices to this Website pro Product portal. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. By submitting your email to us, you agree that we may send emails to you for the purpose of advising you of changes or additions to the Product/Website, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.
Terms Specific to the Company and the Company’s Blog. The Company and our blog are provided for free and are to be used for educational purposes only. Articles provided in connection with the Company and our blog are general in nature, provided for informational purposes only and are not a substitute for individualized professional advice. We make no representation that we will improve or attempt to improve your credit record, history, or rating through the use of the resources provided through the Company or our blog.
THIRD PARTY LINKS
The Product may link to third-party websites or resources. Such links are provided as a convenience to You only and do not imply an endorsement, warranty or guarantee by us of any such linked Website or the company it purports to represent. We do not assume any responsibility or liability for their availability, accuracy, the related content, products or services. You are solely responsible for use of any such websites or resources and compliance with their policies. Should You elect to enter into a binding contract with any such website, You agree to hold us harmless and hereby release us from any liability whatsoever, whether arising out of contract, tort or otherwise, for any liability, claim, injury, loss or damage suffered as a result of your actions or the actions of any user associated with your account, offering to accept or having accepted any products or services that are available from those sites.
Using the Product from Apple App Store and Google Play Store:
Your use of the Product may be subject to separate agreements you may enter into with your mobile device or operating system provider (e.g. Apple, Google or Microsoft®), your mobile device manufacturer (e.g. Apple, Samsung®), your mobile service carrier (e.g. Telus, Bell, Rogers, AT&T or Verizon), and other parties involved in providing your mobile device service (which we collectively refer to as "Third Party Provider"). You agree to comply with all applicable third-party terms of service when using the Product. We are not a party to those agreements and we have no responsibility for the products and services provided by third parties. You acknowledge and agree that these Terms are between you and the Company, not with any Third Party Providers.
You acknowledge and agree that your device’s manufacturer, and their subsidiaries (as applicable), are third party beneficiaries of this Agreement, and that they will have the right (and will be deemed to have accepted the right) to enforce this agreement against you as a third party beneficiary. Such rights may also accrue to other handset manufacturers and operating systems which participate in the Product.To the extent the other terms and conditions of the rest of these Terms conflict with the terms and conditions of this section, the terms and conditions in this section apply, but solely with respect to your use of the Product downloaded from the Apple App Store or Google Play Store (or other similar application store).
INTELLECTUAL PROPERTY AND RIGHTS
Rights to content provided by us: You acknowledge and understand that we own all right, title and interest in: (a) the Product and any associated data files; and (b) all computer software; advertisements; sponsored content; and intellectual property associated with the Product (all such information, individually and collectively, being the “Product Content”), which You may have access to when using the Product.
Except as set forth in the Agreement, all rights not expressly granted to You are reserved. You agree not to decipher, decompile, disassemble, reconstruct, translate, reverse engineer, or discover any of the intellectual property or ideas, algorithms, file formats, programming, or interoperability interfaces underlying the Product. You may not modify, rent, lease, loan, sell, distribute or create any derivative products or services (or parts of services products or services) based on the Product Content that You do not own or to which You have rights, or to create derivative works based on the Product. You may not infringe upon our intellectual property or adapt, reproduce, publish or distribute copies of any information or material found on the Product in any form (including by e-mail or other electronic means), without our prior written consent.
You are not required to provide the Company with any comments, suggestions, recommendations, requests or any other feedback (“Feedback”). In the event that you do provide the Company with Feedback, the Company may use such feedback to improve the Product or for any other purpose. Furthermore, the Company shall own such Feedback and the Company and its affiliates, licensees, clients, partners, third-party providers and other authorized entitled may use, license, distribute, reproduce and commercialize the Feedback, and You hereby assign, irrevocably, exclusively and on a royalty-free basis, all such Feedback to the Company.
Limited license: We grant You a non-exclusive, non-transferable, revocable, limited license to use the Product in accordance with these Terms. This limited license is subject to full payment of the Membership Fee per account (if applicable), when due. This license may be revoked upon breach of these Terms by You and shall automatically be revoked upon termination or expiration of this Agreement. All fees payable in accordance with these Terms remain payable by You following termination or expiration of Your account.
The Company may, now or in the future, own rights to trademarks, trade names, services marks, logos, domain names and other distinctive brand features which we use in connection with the operation of the Product (each such feature being a “Brand Right” and collectively being the “Brand Rights”). We do not grant you any right or license to use any Brand Right other than as expressly set out in these Terms and in other licenses between You and us.
Rights to content provided by you: the Company does not retain any right, title and interest to the information provided, inputted or uploaded to the Product (“User Data”). You understand and agree that the ownership of User Data shall be decided by You, and that your User Data may be available even after the termination of Your account with the Product for a period of thirty-six (36) months. You agree that You will defend, indemnify and hold harmless us and our officers, directors, shareholders, employees, agents and representatives, from and against any and all claims, damages, judgments, liability, costs and expenses (including without limitation any reasonable legal fees), in whole or in part arising out of or attributable to the ownership of User Data.
You also understand that in order for the Company to operate the Product, User Data may be transmitted by You or the Company over various public networks and in various media in compliance with our security protocols and we may make changes to User Data to meet the technological requirements of such networks and media. You are responsible for ensuring that User Data is protected and your rights in User Data are enforced; we have no responsibility to protect or enforce your rights on your behalf with respect to User Data.
At any time and up to fourteen (14) days after your termination with the Company, You may request a copy of all of your User Data from the Product (“Data Dump”). You understand and agree that after the expiration of thirty-six (36) months after your termination with the Company, your User Data will be permanently deleted and You will no longer have access to such Data Dump.
The Product provided as-is: The Product is provided “as-is” without warranties of any kind, either expressed or implied. You acknowledge, agree and understand that You use the Product at your own risk. We will have no responsibility for any harm to your computer system, loss or corruption of data, or other harm that results from your access to or use of the Product.
Downtime: The Product may be temporarily unavailable from time to time for maintenance or other reasons. We assume no responsibility for any error, inaccuracy, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any communications between You and the Product.
No endorsement as to accuracy: We accept no responsibility for the accuracy of any User Data provided by or created using the Product except as otherwise set out in these Terms. The provision or storage of User Data through the Product does not constitute our endorsement or warranty as to the compliance of such User Data with applicable privacy legislation, nor to the accuracy, timeliness, materiality, completeness, or reliability of such User Data. You are responsible for ensuring that the information you have entered into our system is accurate, reliable and complete.
Ratings and reviews: We accept no responsibility or liability for any ratings or reviews posted to the Product, or any consequences as a result of the ratings or reviews. Ratings and reviews posted to the Product DO NOT reflect the Company’s views.
Monitoring: We do not accept any liability for monitoring the Website or for unauthorized or unlawful content on the Website or use of the Website by users.
No warranty as to non-infringement: Except in the manner provided for in these Terms, we disclaim, and expressly do not provide any direct or indirect, express or implied representation or warranty as to title and non-infringement of intellectual property in relation to the Product.
Damage to hardware: Any material downloaded or otherwise obtained through the use of our services and products is done at your own discretion and risk, and You will be solely responsible for any damage to your computer system or other device or loss of data that results from the download of any such material.
Not financial advice. You understand that the Product, communications from the Company to You, content posted on the Website or any affiliated link, blog, social media account or otherwise, does not constitute financial advice to You and should not be construed or relied upon as financial advice.
Content provided to companies: If You are an individual providing User Data that is to be directed to your organization’s account, You agree and acknowledge that we accept no responsibility and are not liable for any damages that may arise by the organization’s use of that User Data. You further agree and acknowledge that we are not liable for any damages that may arise if the User Data is misdirected to the wrong organization due to any reason, including error on your part or a flaw in the Product.
The Product may store your User Data which is capable of personal identification as long as your account is current and active and for thirty-six (36) months after our relationship with You has been terminated.
On a regular basis we create a backup of all data in our system, which is retained for thirty-six (36) months, after which it will be removed permanently from all our systems. This backup is for use by the Company only in the case of disaster recovery or to maintain business operations in the case of an emergency. The Company will not restore data unless it determines in its sole discretion that a data recovery is necessary.
We are unable to provide refunds.
LIMITATION OF LIABILITY
You hereby agree to release, remise and forever discharge us and our directors, employees, officers, and our affiliates, partners, service providers, vendors, and contractors and each of their respective agents, directors, officers, employees, and all other related persons or entities from any and all manner of rights, losses, costs, claims, complaints, demands, debts, damages, causes of action, proceedings, liabilities, obligations, legal fees, costs and disbursements of any nature whatsoever, and for any special, indirect or consequential, incidental or exemplary damages (collectively, a “Claim”), whether in contract or tort, whether known or unknown, which now or hereafter arise from, to the maximum extent allowed by law, that relate to, or are connected with:
a) any indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use data, or other intangible losses;
b) your provision of any personal information provided to us subject to our legal requirements relating to the protection of personal information;
c) communications received to you through your access to the Product;
d) the posting of information on the Product, Website, blog, account or any affiliated social media, including but not limited to, User data, Cards, written reviews, pictures, or personal information;
e) the use of the Product and any related applications including third party services;
f) the use of any software related to the Product;
g) viruses, spyware, service provider failures or internet access interruptions;
h) loss of use, loss of data, inaccuracy of data, payment failure, payment defect, inaccurate calculations, downtime, identity theft, fraud or unauthorized access; or
i) any content relating to the use of the Product,
even if you have been advised of the possibility of such Claim, or such Claim was reasonably foreseeable and notwithstanding the sufficiency or insufficiency of any remedy provided for herein or in any license.
In the event that we become liable for any damages whatsoever, you agree that such damages shall be limited in the aggregate to the amount of the Membership Fee or charges which You have paid for the Product in the previous invoice.
To the extent permitted by applicable laws, You agree that You will defend, indemnify and hold harmless us and our officers, directors, shareholders, employees, agents and representatives, from and against any and all damages, judgments, liability, costs and expenses (including without limitation any reasonable legal fees), in whole or in part arising out of or attributable to: (a) generally, your breach of these Terms; your access to and/or use of the Product; and any loss of, or damage to, any property, or injury to, or death of, any person (including you) caused by your access to and/or use of the Product; and (b) specifically, your breach of the intellectual property rights of any third party to these Terms.
You agree that You will be solely responsible for all activities that occur under your account, whether You are aware of them or not. You agree to hold us harmless and release us from any loss or liability whatsoever that You may incur as a result of someone other than You using your password or account, either with or without your knowledge. You agree to indemnify us for any damages, third party claims or liabilities whatsoever that we may incur as a result of activities that occur on or through your account, whether or not You were directly or personally responsible.
GOVERNING LAW AND FORUM OF DISPUTES
By visiting the Website or using the Product, You agree that the laws of the Province of Ontario, without regard to the principles of conflict of laws, will govern these Terms and any dispute of any sort that may arise between You and us. With respect to any disputes or claims, You agree not to commence or prosecute any action in connection therewith other than in the Province of Ontario, and You hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in the provincial courts of Ontario. You agree to pay reasonable attorneys' fees and court costs incurred by us to collect any unpaid amounts owed by You.
Expenses: Each party shall be responsible for its own legal fees and other expenses incurred in connection with the performance of any of its obligations hereunder.
You agree that the Company are not liable for a delay or failure in performance of the Product or the provisions of these Terms caused by reason of any occurrence of unforeseen events beyond the Company’s reasonable control, including but not limited to, acts of God, natural disasters, power failures, server failures, third party service provider failures or service interruptions, embargo, labour disputes, lockouts and strikes, riots, war, floods, insurrections, legislative changes, and governmental actions.
If any portion of these Terms is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these Terms as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of these Terms that is unlawful, void or unenforceable shall be stricken from these Terms.
The insertions of headings are for convenient reference only and are not to affect the interpretation of these Terms.
ASSIGNMENT OF AGREEMENT
You may not, without our prior written consent, assign the Agreement, in whole or in part, either voluntarily or by operation of law, and any attempt to do so will be a material default of the Agreement and will be void. We may assign this Agreement to a third party at any time in our sole discretion. The Agreement will be binding upon and will inure to the benefit of the respective parties hereto, their respective successors in interest, legal representatives, heirs and assigns.
You agree that if we do not exercise or enforce any legal right or remedy which is contained in these Terms or which we have the benefit of under any applicable law, this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to us. Waivers must be in written form and signed by an authorized representative of the Company.
SURVIVAL OF AGREEMENT
All covenants, agreements, representations and warranties, and payment terms made in these Terms shall survive your acceptance of these Terms and the termination of our relationship.
Unless otherwise specified, all dollar amounts referred to in these Terms are in lawful currency of Canada.
Nothing contained in this Agreement will create a partnership, joint venture, principal-and-agent relationship or any similar relationship between you and the Company.
By providing us with your e-mail address, You agree to receive all required notices electronically, to that e-mail address or by mobile notifications via the Product. It is your responsibility to update or change that address, as appropriate.
If You have any questions or comments regarding these Terms please contact our head office by email at firstname.lastname@example.org.
For clarity, the following is necessary to understand the Product and the forthcoming terms:
The Product’s purpose: The Product is designed to assist landlord’s and tenant’s with tracking lease signing, service requests, payment transfers through a desktop and mobile app, landlord credit checks, landlord bookkeeping, and allowing a tenant to build a credit history by reporting payments to Equifax, a Canadian credit bureau.
How the Product works: The Product allows both the tenant and landlord to access a portal which contains the information on their lease and allows for ease payment transfers.
Who this Product is for: This Product is designed for landlords to keep track of their record keeping and it also provides a benefit to tenants, subject to the disclaimers found in the Terms, by allowing a tenant to build a credit history when paying their rent.
Having read and understood the above, You acknowledge and agree that:
Product Features. Product features are in accordance with the Product offering by the Company, which can be found here: [INSERT FEATURE URL LINK TO WEBSITE].
Payment. The “Fees” applicable to the Product can be found here: [INSERT PRICING URL LINK TO WEBSITE].