FileReady.ca Terms of Use

1. About FileReady.ca

FileReady is developing web-based administrative workflow software for mortgage teams.

FileReady is designed to help mortgage teams coordinate approved document requests with clients’ outside professionals and track the status of those requests.

FileReady is not a mortgage brokerage, lender, underwriting service, document-verification service, legal service, accounting service, or tax service.

FileReady does not provide mortgage approval advice, lender recommendations, legal advice, tax advice, or accounting advice.

FileReady does not upload, collect, store, verify, review, or approve mortgage documents.

2. Current website purpose

The current FileReady.ca website is primarily informational and provides an early-access waitlist.

The website does not constitute the full FileReady software service and does not create a brokerage subscription, paid account, client file, or other software-service relationship.

3. Early-access waitlist

Joining the FileReady waitlist expresses your interest in hearing about FileReady early access.

Joining the waitlist does not:

• guarantee access to FileReady;
• guarantee a particular launch date;
• guarantee participation in a pilot;
• guarantee pricing or future commercial terms;
• create a purchase obligation;
• create a software subscription; or
• guarantee that FileReady will be suitable for your organization.

FileReady may open access gradually, limit the number of early participants, change timing, or decide not to offer access to a particular applicant.

4. Information you submit

You agree to provide information that is accurate to the best of your knowledge and that you are authorized to provide.

Do not submit:

• client mortgage documents;
• financial documents;
• client banking information;
• Social Insurance Numbers;
• mortgage-file contents;
• passwords or credentials; or
• other sensitive client information

through the public waitlist form or general FileReady email addresses.

The public waitlist is intended to collect business contact and early-access information only.

5. Acceptable use

You may not use FileReady.ca to:

• violate applicable law;
• submit fraudulent or misleading information;
• interfere with the website or its security;
• attempt unauthorized access to systems or information;
• circumvent rate limits, bot protection, or other security controls;
• introduce malware or malicious code;
• scrape, copy, or exploit the website through abusive automated means; or
• use FileReady’s content, branding, software, or systems in a manner that infringes FileReady’s rights or the rights of others.

We may restrict or block activity that threatens the security, availability, or proper operation of the website.

6. Intellectual property

Unless otherwise stated, FileReady.ca and its website content, branding, designs, graphics, text, software, demonstrations, and other materials are owned by or licensed to FileReady.

FileReady, FileReady.ca, the FileReady maple-leaf branding, and associated branding may not be copied, reproduced, modified, distributed, or used to suggest affiliation or endorsement without permission.

You may view and use the website for ordinary business evaluation of FileReady.

7. Demonstrations and examples

Interactive product demonstrations, sample screens, names, file details, statuses, and other examples shown on FileReady.ca are illustrative unless otherwise stated.

They are intended to demonstrate the proposed FileReady workflow and should not be treated as real mortgage files, professional advice, or promises about a particular mortgage transaction.

8. No mortgage or professional advice

Information on FileReady.ca is provided for general informational and product-evaluation purposes.

Nothing on this website constitutes:

• mortgage brokering;
• lender matching;
• underwriting;
• mortgage approval advice;
• legal advice;
• tax advice;
• accounting advice; or
• document verification.

Mortgage professionals, clients, accountants, lawyers, bookkeepers, employers, lenders, and other professionals remain responsible for their own work, advice, decisions, regulatory obligations, and communications.

9. No guarantee of professional response or mortgage outcome

FileReady does not control outside professionals and cannot guarantee that an accountant, lawyer, bookkeeper, employer, or other professional will respond to a request within a particular period or at all.

FileReady does not guarantee mortgage approval, funding, closing, document acceptance, or any other mortgage outcome.

10. Third-party services

FileReady.ca relies on third-party infrastructure and service providers.

Availability may therefore be affected by hosting providers, internet services, security providers, email providers, maintenance, outages, or circumstances outside FileReady’s reasonable control.

Links to external websites or services are provided for convenience and do not necessarily imply endorsement.

11. Website availability and accuracy

We aim to keep FileReady.ca accurate and available, but the website may occasionally contain errors, incomplete information, or temporary interruptions.

We may update, modify, suspend, or discontinue website features or early-access processes as FileReady develops.

Nothing on the public website should be interpreted as an irrevocable commitment regarding future product features, availability, pricing, or release timing.

12. Limitation of liability

To the maximum extent permitted by applicable law, FileReady will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of, or inability to use, the public FileReady.ca website.

Because the current website is an informational and early-access website, you are responsible for independently evaluating whether FileReady may be appropriate for your business before relying on future product availability.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

13. Privacy

Your use of FileReady.ca is also subject to the FileReady.ca Privacy Policy.

The Privacy Policy explains how personal information submitted through the website is collected, used, disclosed, retained, and protected.

14. Changes to these Terms

We may update these Terms as FileReady develops or as the website changes.

The current version will be posted on FileReady.ca with its effective date.

Material changes will apply prospectively unless otherwise required by law.

15. Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles.

Subject to applicable law, disputes relating to the public FileReady.ca website will be subject to the jurisdiction of the courts of Ontario, Canada.