Terms of Service

The Service is operated by 1001600283 Ontario Inc., doing business as Rental Analyst (Ontario Corporation No. 1001600283). Rental Analyst ("the Service") is a web-based real estate investment analytics platform based in Ontario, Canada. The Service allows users to analyze Canadian residential rental properties using financial metrics including cash flow, DSCR, cap rate, cash-on-cash return, and related calculations.

Important limitation: Rental Analyst provides financial calculations and informational tools only. It does not constitute financial advice, investment advice, legal advice, mortgage advice, or tax advice. All outputs are estimates based on inputs you provide. You should consult qualified professionals before making investment decisions.

To use the Service, you must:

• Be at least 18 years of age
• Be a resident of Canada or be accessing the Service for lawful purposes
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us promptly of any unauthorized use of your account

You are responsible for all activity that occurs under your account. We reserve the right to suspend or terminate accounts that provide false information or violate these Terms.

The Service is offered on a freemium basis with paid subscription tiers. By subscribing to a paid plan, you agree to the following:

Free plan:

Available at no charge with limited features as described on the pricing page. No payment information required.

Paid plans (Investor and Portfolio):

• Billed monthly or annually as selected at checkout
• All prices are in Canadian dollars (CAD) unless otherwise stated
• Applicable Canadian taxes (HST/GST/PST/QST) will be added at checkout based on your province of residence
• Payment is processed by Stripe Inc. under their terms of service
• Subscriptions renew automatically until cancelled

Price changes:

We may change subscription prices with at least 30 days' written notice to your registered email address. Continued use after the notice period constitutes acceptance of the new price.

Cancellation:

You may cancel your subscription at any time through your account settings or by contacting info@rentalanalyst.ca. Cancellation takes effect at the end of the current billing period. You will retain access to paid features until that date.

Refunds:

We offer a pro-rated refund for the unused portion of your current billing period if you cancel within 7 days of a renewal charge. Requests must be submitted to info@rentalanalyst.ca within 7 days of the charge. No refunds are issued for annual plans after 14 days from purchase or renewal, except where required by applicable Canadian consumer protection law.

Quebec residents:

Residents of Quebec may have additional cancellation and refund rights under the Quebec Consumer Protection Act (Loi sur la protection du consommateur). These rights are not limited by these Terms.

You agree not to use the Service to:

• Violate any applicable Canadian federal or provincial law or regulation
• Provide false, misleading, or fraudulent property data
• Attempt to gain unauthorized access to any part of the Service or other users' accounts
• Reverse engineer, decompile, or attempt to extract the source code of the Service
• Use automated tools (scrapers, bots) to access or collect data from the Service
• Resell, sublicense, or commercialize the Service or its outputs without our written consent
• Use the Service in any manner that could damage, disable, or impair our systems

You retain ownership of all property data and information you enter into the Service. By using the Service, you grant us a limited licence to store and process that data solely to provide the Service to you.

We may use aggregated, anonymized, non-identifiable data (e.g., average cap rates across user-entered properties by city) for product improvement and research purposes. This data will never identify you or your specific properties.

You are responsible for the accuracy of data you enter. The Service's calculations are only as accurate as the inputs provided.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Service will be uninterrupted or error-free; (b) calculations or projections will be accurate or complete; (c) the Service will meet your specific requirements; or (d) any errors will be corrected.

Financial calculations disclaimer: All metrics produced by the Service (including cash flow, DSCR, cap rate, IRR, and all other outputs) are estimates based on user-provided inputs and standardized assumptions. They are not guaranteed to reflect actual market conditions, lender requirements, or investment outcomes. Past performance of any referenced benchmarks does not guarantee future results.

Rental Analyst is an educational and analytical tool designed to help users understand and model real estate investment scenarios. All outputs, projections, metrics, scores (including the RA Score™), and analyses generated by the Service are estimates based solely on the inputs you provide.

They are illustrative in nature and do not constitute financial, investment, mortgage, tax, or legal advice. Results should not be relied upon as the basis for any investment decision.

Always consult a qualified financial advisor, mortgage professional, or legal counsel before making any real estate investment decision.

Rental Analyst makes no representations or warranties regarding the accuracy, completeness, or fitness for purpose of any calculations, projections, or analyses.

Benchmark indicators (DSCR, cap rate, GRM, cash-on-cash return) are general guidelines commonly referenced in Canadian real estate practice and are not guarantees of lender approval, investment performance, or market conditions.

Tax estimates are approximations only and may not reflect your actual tax liability.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RENTAL ANALYST SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

IN NO EVENT SHALL RENTAL ANALYST'S TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO RENTAL ANALYST IN THE TWELVE (12) MONTHS PRIOR TO THE CLAIM, OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

The Service, including its design, code, algorithms, and content (excluding user-entered data), is the exclusive property of Rental Analyst and is protected by Canadian copyright law and applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our express written consent.

The Rental Analyst name, logo, and related branding are proprietary to us. Nothing in these Terms grants you a right to use our trademarks.

The Service integrates with third-party services including Supabase (infrastructure), Stripe (payments), and Vercel (hosting). Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices of these third parties.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time. For paid subscribers, we will provide at least 30 days' notice before discontinuing the Service entirely, and will offer a pro-rated refund for prepaid periods.

We may update features, change or remove functionality, or adjust free-tier limitations with reasonable notice. We will not materially reduce the core features of a paid plan without offering a comparable alternative or refund.

We may update these Terms of Service from time to time. We will notify you of material changes by email at least 14 days before they take effect. Continued use of the Service after that date constitutes acceptance of the updated Terms.

The current version of these Terms is always available at rentalanalyst.ca/terms.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

Certain figures are generated from built-in assumptions rather than your inputs, including estimated land transfer tax, municipal transfer tax, legal and other closing costs, mortgage stress-test and renewal rates, tax estimates, rent and expense benchmarks, and the Rental Analyst Score (RA Score™). Tax schedules, rates and fees change and vary by municipality, buyer status (including first-time-buyer rebates), and transaction. These figures are approximate, may be out of date or incorrect, and must be verified with your lawyer, lender, accountant or the relevant authority before you rely on them.

Benchmarks, verdict labels (such as "Pass" or "At risk") and scores are not a recommendation to buy, sell, hold or finance any property, and are not a prediction of lender approval or investment performance.

Some features use artificial intelligence to extract or suggest values from text you provide (for example, listing text pasted or sent from your browser). AI output can be incomplete or wrong. You must review every extracted value before relying on it. You are responsible for ensuring you have the right to submit any content you provide, and for complying with the terms of any website you copy content from. We do not scrape third-party websites on your behalf, we do not endorse or verify any listing, and we are not responsible for third-party listing content.

Share links and preview images you generate contain only the figures you choose to include. You are responsible for who you share them with.

Use of the Service does not create an advisory, fiduciary, brokerage, mortgage-brokering, accounting, tax, legal or other professional relationship between you and Rental Analyst. We are not a registered investment dealer, portfolio manager, mortgage brokerage, real estate brokerage or licensed advisor, and we do not recommend specific investments or lenders.

To the extent permitted by law, you agree to indemnify and hold harmless Rental Analyst and its owners, officers and service providers from claims, losses and expenses (including reasonable legal fees) arising from your breach of these Terms, content you submit, or your use of the Service's outputs in connection with any transaction or decision.

These Terms are the entire agreement between you and Rental Analyst regarding the Service. If any provision is held unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. Nothing in these Terms limits any rights you have under consumer-protection or other laws that cannot be waived by contract, and the limitations above apply only to the extent permitted by those laws.

For questions about these Terms, contact us at: