1. Acceptance of Terms

By accessing and using RefinancePro.club (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service. These Terms apply to all visitors, users and others who access or use the Service.

RefinancePro.club is operated by RefinancePro Inc., a company incorporated under the laws of Canada. These Terms are governed by Canadian law and the laws of the Province of Quebec.

2. Description of Service

RefinancePro.club provides an online platform for calculating mortgage penalties, comparing mortgage rates, and obtaining mortgage-related financial advice in Canada. Our services include:

• Mortgage penalty calculators
• Rate comparison tools
• Personalized financial advice
• Market analysis and trends
• Educational resources

The Service is provided "as is" and "as available". We reserve the right to modify, suspend, or discontinue the Service at any time without notice.

3. User Accounts

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

You must be at least 18 years old to create an account. We reserve the right to refuse service, terminate accounts, or cancel orders in our sole discretion.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Transmit harmful, offensive, or illegal content
• Impersonate another person or entity
• Interfere with the operation of the Service
• Attempt to access unauthorized accounts or data
• Use bots, scrapers, or other automated means
• Distribute viruses or other malicious code

We reserve the right to monitor use of the Service and take appropriate action against violations of these Terms.

5. Financial Advice Disclaimer

You acknowledge and agree that:

• All calculations are estimates based on information provided
• Actual results may differ from estimates
• You should consult with a qualified financial advisor
• We are not responsible for financial decisions made
• Rates and terms may change without notice

6. Subscriptions and Payments

Some features of the Service require a paid subscription. By subscribing, you agree to:

• Pay all applicable fees
• Provide accurate payment information
• Authorize automatic renewal (where applicable)
• Comply with cancellation terms

Prices are subject to change with 30 days notice. All payments are in Canadian dollars and include applicable taxes.

7. Intellectual Property

The Service and its original content, features and functionality are and will remain the exclusive property of RefinancePro Inc. and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

8. Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices. By using our Service, you agree that we can use such data in accordance with our Privacy Policy.

9. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall RefinancePro Inc., its affiliates, agents, directors, employees, suppliers or licensors be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, arising out of or relating to:

• Your use of or inability to use the Service
• Any unauthorized access to your data
• Statements or conduct of third parties on the Service
• Any other matter relating to the Service

Our total liability shall not exceed the amount paid by you in the past 12 months.

10. Indemnification

You agree to defend, indemnify and hold harmless RefinancePro Inc. and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of: (i) your use and access of the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that one of your User Contributions caused damage to a third party.

11. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may simply discontinue using the Service.

12. Governing Law

These Terms shall be interpreted and enforced in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

14. Contact Us

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