Terms of Service

Welcome to Homeowner.ca. These Terms of Service ("Terms") govern your access to and use of the Homeowner.ca website ("Site"), operated by PointForm, Inc., an Ontario corporation ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

By accessing, browsing, or using Homeowner.ca, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, readers, and users of the Site. Your continued use of the Site following any changes to these Terms constitutes acceptance of those changes.

The Site is intended for individuals who have reached the age of majority in their jurisdiction of residence. By using the Site, you represent and warrant that you meet this requirement. If you are under the age of majority, you may use the Site only under the supervision of a parent or legal guardian.

Homeowner.ca is a Canadian content and product review site designed to help homeowners make informed decisions about their homes. Our services include:

• Editorial content covering home improvement, maintenance, renovation, and homeownership topics relevant to Canadian homeowners
• Product reviews and comparisons across categories such as tools, appliances, building materials, home systems, and related products
• Buying guides to help you evaluate and select products for your home
• Informational resources on topics relevant to first-time buyers, experienced homeowners, and property investors across Canada

All content on the Site is intended for general informational and educational purposes only.

All content on Homeowner.ca, including but not limited to text, graphics, images, logos, illustrations, data compilations, software, and the overall design and arrangement of the Site, is the property of PointForm, Inc. or its content suppliers and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may not, without our prior written permission:

• Reproduce, distribute, or republish any content from the Site, in whole or in part
• Modify, adapt, or create derivative works based on Site content
• Use Site content for any commercial purpose
• Scrape, crawl, or use automated tools to extract content from the Site

You may share links to our content and quote brief excerpts for personal, non-commercial purposes with proper attribution to Homeowner.ca, provided such use constitutes fair dealing under Canadian copyright law.

Homeowner.ca participates in affiliate marketing programmes. This means:

• Affiliate links: Some links to products and services on the Site are affiliate links. When you click on these links and make a purchase, we may earn a commission at no additional cost to you.
• Editorial independence: Our product reviews, ratings, and recommendations are editorially independent. Affiliate relationships do not influence our editorial assessments, rankings, or opinions. Our editorial team evaluates products based on established criteria including performance, ease of use, durability, features, and value.
• Transparency: We disclose affiliate relationships in accordance with applicable Canadian advertising standards and guidelines. The presence of affiliate links does not affect the price you pay for any product or service.
• No guarantee of availability: Product information, pricing, and availability are subject to change. We endeavour to keep product information current but cannot guarantee accuracy at all times.

Homeowner.ca uses artificial intelligence (AI) tools to assist in the research, drafting, and production of content published on the Site. We believe in transparency about our editorial process:

• AI-assisted generation: Some content on the Site is generated with the assistance of AI technologies, including product research summaries, comparisons, and editorial drafts.
• Editorial review: All AI-assisted content is reviewed, edited, and approved by our editorial team before publication. We maintain editorial standards to ensure accuracy, relevance, and quality.
• Not professional advice: Whether produced with or without AI assistance, content on the Site does not constitute professional advice of any kind. See the Disclaimer of Warranties section below for further detail.
• Continuous improvement: AI-generated content may be updated over time as new information becomes available or as our editorial team identifies opportunities for improvement.

We are committed to responsible use of AI in our editorial process and to maintaining the trust of our readers.

When using Homeowner.ca, you agree to:

• Use the Site only for lawful purposes and in accordance with these Terms
• Not attempt to gain unauthorized access to any part of the Site, its servers, or any systems connected to the Site
• Not use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site
• Not use any automated system, including bots, crawlers, or scrapers, to access the Site for any purpose without our express written permission
• Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without our express written permission
• Not transmit any viruses, malware, or other harmful code
• Not harass, abuse, or harm another person through your use of the Site

We reserve the right to restrict or terminate your access to the Site at our sole discretion if we believe you have violated these Terms.

The content on Homeowner.ca is provided for general informational and educational purposes only. It is not intended as, and should not be relied upon as, professional advice of any kind, including but not limited to:

• Legal advice regarding property law, contracts, or disputes
• Financial or mortgage advice regarding home purchases, investments, or financing
• Construction or engineering advice regarding building codes, structural work, or renovations
• Home inspection or appraisal advice regarding property condition or valuation
• Health or safety advice regarding hazardous materials, air quality, or environmental concerns

Always consult qualified professionals before making decisions related to your home, finances, or safety.

THE SITE AND ALL CONTENT ARE 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, ACCURACY, COMPLETENESS, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Product reviews and comparisons reflect our editorial assessment at the time of publication. Product performance, availability, and specifications may change over time, and we make no warranty that any product will meet your specific needs or expectations.

You acknowledge that any reliance on information, content, guides, reviews, comparisons, or recommendations available on the Site is at your own risk. You assume full responsibility for any decisions or actions taken based on the content of the Site.

Building codes, regulations, product specifications, safety standards, rebate programmes, and legal requirements may vary by province, municipality, or jurisdiction and may change over time. While we endeavour to provide accurate and current information, we do not warrant that any content reflects the most recent legal, regulatory, or technical standards applicable to your specific location.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, POINTFORM, INC., ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE OR ANY CONTENT ON THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF THE SITE EXCEED ONE HUNDRED CANADIAN DOLLARS (CAD $100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.

You agree to indemnify, defend, and hold harmless PointForm, Inc., its directors, officers, employees, affiliates, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

• Your use of the Site;
• Your violation of these Terms;
• Your violation of any applicable law or regulation; or
• Your infringement of any rights of a third party.

We reserve the right to assume the exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defence of such claim.

Homeowner.ca may contain links to third-party websites, including retailer sites, manufacturer sites, and other external resources. These links are provided for your convenience and reference only.

• We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites.
• Accessing third-party sites is at your own risk, and you should review the terms and privacy policies of any site you visit.
• We are not responsible for any products, services, or content available through third-party websites, nor for any transactions you conduct with third parties.

Homeowner.ca does not provide contractor, construction, inspection, engineering, legal, financial, or other professional services. Any contractors, service providers, professionals, or businesses that may be referenced, listed, reviewed, or linked to on the Site are independent third parties.

We do not endorse, guarantee, warrant, or assume responsibility for the quality, performance, conduct, licensing, insurance, pricing, or compliance of any third-party service provider. Any engagement or transaction between you and a third party is solely between you and that party.

Your use of Homeowner.ca is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of information as described in our Privacy Policy.

We reserve the right to modify these Terms at any time at our sole discretion. When we make changes, we will update the Terms on this page. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically to stay informed of any changes. Material changes will be indicated on the Site where practicable.

We reserve the right, at our sole discretion, to restrict, suspend, or terminate your access to the Site at any time, for any reason, without notice or liability. This includes, but is not limited to, situations where we believe your conduct violates these Terms, is harmful to other users or the Site, or is otherwise objectionable.

All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, and governing law.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such finding shall not affect the validity of the remaining provisions, which shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in the Province of Ontario, Canada, for the resolution of any disputes arising out of or relating to these Terms or your use of the Site.

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

PointForm, Inc.<br> 412 Laird Road, Unit 101<br> Guelph, ON N1G 3X7<br> Canada

Email: admin@pointform.com