Terms of Service | PlanForMyHome

1. Acceptance of Terms

By accessing or using PlanForMyHome ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

PlanForMyHome provides educational tools, calculators, and AI-powered guidance to help Canadians prepare for homeownership. Our Service includes:

Financial calculators (mortgage, affordability, etc.)
Readiness assessment tools
AI assistant (Mabel)
Educational resources and guides

3. Not Financial or Legal Advice

Important: PlanForMyHome provides educational information only. We are not financial advisors, mortgage brokers, or legal professionals. Our calculators and tools provide estimates based on the information you enter. Always consult with qualified professionals before making financial or legal decisions.

Real Estate Support: Our team includes licensed Real Estate agents who can assist with your property search and real estate transactions. For real estate guidance, connect with our licensed agents through the platform.

4. User Accounts

To access certain features, you may need to create an account. You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Providing accurate and complete information
Notifying us immediately of any unauthorized access

5. Acceptable Use

You agree not to:

Use the Service for any illegal purpose
Attempt to gain unauthorized access to our systems
Interfere with or disrupt the Service
Upload malicious code or content
Impersonate any person or entity
Use the Service to spam or harass others

6. Intellectual Property

All content, features, and functionality of the Service are owned by PlanForMyHome and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express permission.

7. Calculator Accuracy

Our calculators provide estimates based on the information you provide and standard Canadian mortgage calculations. Actual rates, payments, and costs may vary. We make no guarantees about the accuracy of calculations for your specific situation.

8. AI Assistant (Mabel)

Mabel is an AI-powered assistant designed to provide general information and guidance. Mabel's responses are generated by artificial intelligence and should not be considered professional advice. Always verify important information with qualified professionals.

9. Limitation of Liability

To the maximum extent permitted by law, PlanForMyHome shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service. Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on our website. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

14. Contact Us

If you have any questions about these Terms, please contact us at:

Email: legal@planformyhome.ca
Location: Alberta, Canada