Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using LoanFlow, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use the platform.

2. Description of Service

LoanFlow is an AI-powered Customer Relationship Management (CRM) platform designed for Canadian mortgage brokers and real estate professionals. Features include lead management, automated follow-up, CASL-compliant email and SMS marketing, Voice AI receptionist, pipeline tracking, and analytics.

3. Account Registration & Eligibility

LoanFlow is intended for Canadian-based businesses and licensed professionals operating in the mortgage, real estate, or related financial services industry. By registering, you represent that:

• You are at least 18 years of age
• You are operating a legitimate Canadian-based business or are a licensed professional
• All information you provide during registration is accurate and current
• You will maintain the confidentiality of your account credentials

4. Subscription Plans & Billing

LoanFlow offers three subscription tiers (Solo, Team, Agency) billed monthly in Canadian dollars. All plans include a 14-day free trial with no credit card required. After the trial period, your selected plan will be billed monthly. You may upgrade, downgrade, or cancel at any time. Cancellations take effect at the end of the current billing period. We do not offer refunds for partial months.

5. Acceptable Use Policy

You agree not to use LoanFlow to:

• Send commercial electronic messages without valid CASL consent
• Engage in any illegal, deceptive, or fraudulent activities
• Harvest contact information without consent
• Attempt to reverse-engineer, decompile, or breach platform security
• Use the platform in ways that violate any applicable Canadian federal or provincial law
• Resell or sublicense access to the platform without written authorization

6. Intellectual Property

The LoanFlow platform, including all software, design, content, and trademarks, is owned by LoanFlow CRM Inc. and protected by Canadian copyright and intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the platform for its intended purpose during your subscription.

7. Data Ownership

You own your data. All client contacts, lead information, communications, and business data you enter into LoanFlow remain your property. LoanFlow does not claim ownership of your data. Upon account termination, you may export your data in standard formats. We will retain your data for 30 days post-termination before permanent deletion.

8. Service Level Agreement

LoanFlow commits to a 99.9% monthly uptime SLA for the core CRM platform. Planned maintenance will be communicated at least 48 hours in advance. In the event of an outage exceeding the SLA, affected customers will receive service credits proportional to the downtime duration.

9. Limitation of Liability

To the maximum extent permitted by applicable Canadian law, LoanFlow shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities. Our total liability to you for any claim shall not exceed the fees paid to LoanFlow in the three months preceding the claim.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

11. Termination

Either party may terminate the agreement at any time. LoanFlow reserves the right to suspend or terminate accounts that violate these Terms, without notice for serious violations (e.g., CASL non-compliance, fraud). Upon termination, your access to the platform will cease and your data will be available for export for 30 days.

12. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated via email and in-platform notification at least 30 days before taking effect. Your continued use of LoanFlow after the effective date constitutes acceptance of the revised Terms.

13. Contact