Terms & Conditions

1. Who the Service is for

The Service is a business tool for licensed or industry-affiliated mortgage professionals, real-estate professionals, and their staff ("Agents"). It is not a consumer-facing lending product and is not intended for use by members of the public to obtain a mortgage. The Service is intended for users who are at least the age of majority in their province or territory and who use it for business purposes.

2. What the Service does

The Service lets Agents create, brand, publish, and share mortgage-related tools and marketing assets. Features may include, without limitation:

• Calculators — mortgage payment, affordability, refinance (including penalty, roll-in, and debt-consolidation scenarios), amortization schedules, and debt-service (GDS/TDS) calculators, available in-app, on public pages, and as embeds;
• Rate sheets — a rate-sheet editor and PDF/print export;
• Reckoner Card & public profiles — shareable public pages (your public profile page), QR codes, and short links;
• Lead-capture tools — pre-qualification forms, multi-step "lead journeys," and a leads inbox;
• Verified client mode — agent-verified client records and saved scenarios (your verified-client links);
• Notifications — in-app inbox, email, and web-push notifications;
• Realtor co-branding & partnerships — invitations and co-branded pages;
• Developer platform — API keys, a public calculation API, and embeddable widgets with domain allow-lists;
• Lender library — reference information about lenders and products (where available);
• Integrations — connections to third-party tools such as HubSpot, Pipedrive, and Zapier;
• Account, branding, billing, and settings management.

We may add, change, suspend, or remove features at any time. Some features are released behind feature flags or as trials/betas and may be changed or withdrawn without notice.

3. Accounts and security

You must provide accurate, current, and complete information when registering and keep it up to date. You are responsible for all activity under your account and for keeping your credentials, API keys, and embed keys confidential. Notify us immediately at support@reckoner.app if you suspect unauthorized use. We may suspend or terminate accounts that we believe are inaccurate, fraudulent, or in breach of these Terms.

4. Subscriptions, trials, fees, and taxes

Plans and trials. The Service is offered on free, trial, and paid subscription tiers. Trial periods, plan features, and usage limits are described at sign-up or in-app and may change.

Billing. Paid subscriptions are billed on a recurring basis (e.g. monthly) through our third-party payment processor, Stripe. By subscribing, you authorize us and Stripe to charge your payment method on each renewal until you cancel. We do not store your full card number; card data is handled by Stripe.

Taxes. Fees are exclusive of taxes. You are responsible for applicable taxes, including GST/HST and any provincial sales taxes, which will be added where required.

Cancellation and renewal. You may cancel at any time through the billing portal; cancellation takes effect at the end of the current billing period. Subscriptions renew automatically unless cancelled.

Refunds. Except where required by law, fees are non-refundable, and we do not provide refunds or credits for partial periods, unused features, or downgrades.

Changes to pricing. We may change fees on a going-forward basis with reasonable notice; continued use after a price change means you accept it.

5. Your content and data

"Your Content" means everything you upload, enter, generate, publish, or collect through the Service — including your branding, rate configurations, calculator settings, published pages, and the personal information of your clients, leads, and prospects ("Lead Data").

You retain ownership of Your Content. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, display, and reproduce Your Content solely to operate, secure, support, and improve the Service and as directed by you (for example, publishing a page or delivering a lead to your CRM).

You are the controller of your Lead Data. As between you and us, you are responsible for the personal information you collect from and about your clients and leads. We act as your service provider / processor for that data and process it on your behalf under these Terms and our Privacy Policy. See Section 10.

6. Acceptable use

You agree not to, and not to allow any third party to:

• use the Service in violation of any applicable law, regulation, licensing requirement, or industry rule;
• publish or transmit content that is false, misleading, deceptive, defamatory, infringing, or that you are not authorized to share;
• send marketing or transactional messages through or in connection with the Service without the consent required by applicable anti-spam law (including Canada's Anti-Spam Legislation, "CASL");
• upload personal information without the necessary consent or legal basis, or upload sensitive data beyond what the Service is designed to collect;
• probe, scan, overload, or attempt to gain unauthorized access to the Service or its infrastructure;
• reverse engineer, scrape, resell, or build a competing product from the Service, except to the extent this restriction is prohibited by law;
• exceed API/embed rate limits or usage limits, or circumvent feature flags, allow-lists, or access controls;
• remove, alter, or obscure any legally required disclosures, licence information, or attributions.

We may investigate suspected violations and may remove content, throttle, suspend, or terminate access without liability.

7. Regulatory compliance is your responsibility

You are solely responsible for your own regulatory compliance. The Service is a tool. It does not make you compliant, and we do not review, approve, or endorse the tools, rates, disclosures, or communications you create or publish. Without limiting the foregoing, you are responsible for:

• holding and maintaining any required mortgage, brokerage, or real-estate licences, and displaying accurate licence, brokerage, and regulator information (including NMLS or provincial regulator numbers);
• the accuracy of the rates, assumptions, fees, and figures you enter and publish;
• providing legally required disclosures to consumers and ensuring any disclosure text (including any default disclosure copy we provide) is correct and appropriate for your jurisdiction and situation;
• complying with mortgage, lending, advertising, privacy, and anti-spam laws in every jurisdiction where you operate;
• obtaining all necessary consents from your clients and leads.

Any sample disclosure language, calculator defaults, or lender information provided in the Service is offered as a convenience only, without warranty, and must be independently reviewed by you and your compliance advisors before use.

8. Third-party services and integrations

The Service integrates with and relies on third parties (for example, Supabase, our hosting provider, Stripe, our email provider, and CRM/automation tools such as HubSpot, Pipedrive, and Zapier). Your use of an integration may be subject to that third party's own terms and privacy practices. We are not responsible for third-party services, their availability, or their handling of data once it leaves the Service at your direction (for example, when you sync a lead to your CRM). Enabling an integration authorizes us to exchange the relevant data with it on your behalf.

9. Intellectual property

The Service, including its software, design, text, graphics, and the "Reckoner" name and logos, is owned by Reckoner or its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service during your subscription, subject to these Terms. All rights not expressly granted are reserved. If you give us feedback or suggestions, we may use them without obligation to you.

10. Privacy and data protection

Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms. We do not sell your data or your Lead Data. For personal information you process through the Service about your clients and leads, you are the controller and we are your service provider; you are responsible for having a lawful basis and the necessary consents, and for your own privacy notices to those individuals.

11. Availability, changes, and beta features

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue all or part of the Service, perform maintenance, or impose limits, at any time. Trial, preview, and beta features are provided "as is" and may be unstable or withdrawn.

12. Not financial, mortgage, legal, or tax advice

Reckoner is a software tool, not a lender, mortgage broker, mortgage agent, financial institution, or adviser. Nothing produced by the Service is:

• a loan offer, commitment, pre-approval, or approval;
• financial, mortgage, investment, legal, accounting, or tax advice; or
• a guarantee of any rate, payment, term, or outcome.

All calculators, rate sheets, pre-qualifications, and figures are estimates for illustration only, are based on the assumptions and inputs provided, may not reflect actual available products, and may change without notice. Actual terms are subject to lender approval, credit, income and asset verification, appraisal, and other conditions. Consumers should consult a licensed professional before making any decision. You must not present outputs of the Service as guaranteed offers.

13. Disclaimer of warranties

To the maximum extent permitted by applicable law, the Service and all content, calculations, data, and materials are provided "AS IS" and "AS AVAILABLE," without warranties of any kind, whether express, implied, statutory, or otherwise. We specifically disclaim all implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, or error-free, that defects will be corrected, or that any calculation, rate, lender detail, or other output is accurate, current, complete, or reliable. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

14. Limitation of liability

To the maximum extent permitted by applicable law:

• No indirect damages. In no event will Reckoner, its owners, developers, directors, officers, employees, contractors, or suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, data, business, or opportunity, arising out of or relating to the Service, even if advised of the possibility of such damages.
• No liability for reliance on outputs. We are not liable for any decision made, action taken, or loss suffered by you, your clients, your leads, or any third party in reliance on any calculation, estimate, rate, pre-qualification, lender information, or other output of the Service, or for the accuracy, completeness, or timeliness of that output.
• No liability for your compliance or your content. We are not liable for your regulatory compliance, your licensing, the content you publish, the messages you send, or your handling of your clients' and leads' personal information.
• Third parties. We are not liable for acts, omissions, outages, or data handling of third-party services (including payment, hosting, email, and CRM providers).
• Aggregate cap. Our total aggregate liability for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the three (3) months immediately before the event giving rise to the claim, or (b) CAD $100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (such as liability for fraud, gross negligence, or personal injury caused by negligence, or a consumer's non-waivable statutory rights). Where liability cannot be fully excluded, it is limited to the minimum extent permitted by law. These limitations apply regardless of the legal theory and are a fundamental basis of the bargain between us.

15. Indemnification

You will defend, indemnify, and hold harmless Reckoner and its owners, developers, officers, employees, and contractors from and against any claims, demands, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) Your Content and Lead Data; (b) your use of the Service; (c) your violation of these Terms or any law; (d) your regulatory, licensing, disclosure, privacy, or anti-spam obligations; or (e) any dispute between you and a client, lead, realtor partner, lender, or other third party.

16. Suspension and termination

You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, fail to pay, create risk or legal exposure, or if we discontinue the Service. On termination, your right to use the Service ends. We may delete Your Content after a reasonable period, subject to our Privacy Policy and applicable law; export anything you need before cancelling. Sections that by their nature should survive (including 5, 9, 12–15, 17–19) survive termination.

17. Governing law and disputes

These Terms are governed by the laws of the province in Canada in which we are established and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. You agree to first try to resolve any dispute informally by contacting us at legal@reckoner.app. Any claim must be brought within one (1) year after it arises, to the extent permitted by law.

18. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by posting the updated Terms with a new "Last updated" date or by email). Changes take effect when posted unless stated otherwise. Your continued use of the Service after changes take effect means you accept the updated Terms.

19. General

These Terms, together with the Privacy Policy and any order or plan terms, are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the rest remains in effect and the unenforceable provision will be limited to the minimum extent necessary. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them (for example, in connection with a merger, acquisition, or sale of assets). Nothing in these Terms creates a partnership, agency, employment, or joint-venture relationship. Notices to us should be sent to legal@reckoner.app.

20. Contact

• Reckoner
• Website: reckoner.app
• General: support@reckoner.app
• Legal / notices: legal@reckoner.app