Mi Property Portal Terms of Service, Privacy Policy & Billing Terms

1. Acceptance of Terms

1.1 Agreement to Terms

By accessing or using Mi Property Portal services (the "Services"), including www.mipropertyportal.com and www.mipropertyportal.ca (the "Platform"), you agree to these Terms of Service, Privacy Policy, and Billing Terms (the "Agreement"). This Agreement is a legally binding contract between you (or your company) and Zealper Corporation ("Mi Property Portal," "we," "us," or "our").

1.1A Mobile Applications

By using any official Mi Property Portal mobile application (Android/iOS), you acknowledge that such applications function as WebView interfaces to our Platform. Only the following domains are authorized: manage.mipropertyportal.com, manage.mipropertyportalapp.com, admin.mipropertyportal.com, and rentalportal.ca. Your use of mobile applications is governed by this Agreement.

1.2 Capacity and Authority

You represent that: (a) you are at least 18 years of age or the age of majority in your jurisdiction; (b) you have legal capacity to enter this Agreement; (c) if representing an organization, you have authority to bind it; and (d) you are not prohibited by law from using the Services.

1.3 Modifications

We may update this Agreement from time to time. For material changes (such as fees, how we use or share personal information, or your rights), we will give at least 30 days' notice by email or in the Platform before they take effect. Other changes (such as clarifications, updates required by law, or terms for new features) take effect when posted. The "Last Updated" date shows the current version. Continued use after the effective date means you accept the updated Agreement. For material changes affecting your legal rights, we may require you to accept the updated Agreement before you continue using the Services.

1.4 Additional Terms

Certain features may have additional terms that are incorporated by reference and take precedence for those specific features.

1.5 Consumer Rights

Nothing in this Agreement limits any right a Consumer has under consumer protection or other laws that cannot be waived by contract. Where such a law applies, it prevails over any conflicting term of this Agreement.

2. Definitions

"Account"

your registered user account

"Content"

data, information, documents, images, or materials you upload or submit

"Personal Information"

information about an identifiable individual under PIPEDA

"Platform"

Mi Property Portal software, websites (www.mipropertyportal.com, www.mipropertyportal.ca, manage.mipropertyportal.com, manage.mipropertyportalapp.com, admin.mipropertyportal.com, rentalportal.ca) and mobile applications

"Services"

all software, features, and functionality we provide

"Subscription"

your paid access under a selected plan

"Property Manager" or "PM"

user managing properties on behalf of owners

"Tenant"

individual renting a property managed through the Platform

"Prospective Tenant"

individual who submitted a rental application

"Owner"

property owner using or whose property is managed through the Platform

"Vendor"

service provider engaged through the Platform

"Third-Party Service Providers"

external companies providing integrated services

"Business Customer"

a person or entity using the Services mainly for business, investment or property management purposes

"Consumer"

an individual using the Services mainly for personal, family or household purposes

3. Service Description

3.1 Platform Overview

Mi Property Portal is a cloud-based SaaS platform for property management including: property/unit management; tenant, owner, and vendor portals; accounting and financial reporting; lease management and e-signatures; payment processing facilitation; rental listings on rentalportal.ca; online rental applications; service requests; document management; and reporting.

3.2 Public Rental Listings

When you enable rental listings, they are published on rentalportal.ca and are publicly accessible on the internet. By enabling a listing, you: consent to public disclosure; acknowledge public accessibility; represent you have authority to publish; accept responsibility for accuracy and legality; understand search engine indexing; and agree to comply with fair housing laws.

3.3 Rental Applications

We offer free online rental applications. When prospective tenants apply: we collect their contact information including email and phone number; we may contact them about application status; we may offer additional services (credit reporting, insurance, tenant screening); their information is shared with the Property Manager or Owner; and they consent to receiving communications about services.

3.4 Service Tiers & Pay-Per-Use Features

We offer multiple subscription tiers with varying features (see Section 5). Certain features are pay-per-use including: e-lease signatures, identity verification, credit bureau reporting, tenant screening, third-party rental listings, two-way SMS, criminal record check and specific inspection services. Beta features are provided "as-is" and may be modified or discontinued without notice.

3.5 Our Role: Platform Provider Only

Mi Property Portal provides software. We do not manage properties, act as a landlord, or make decisions about tenancies. The client (the Property Manager or Owner who holds the account) controls the tenant, owner, prospect and vendor information in its account and is responsible for it. The client decides what information to collect, why it is collected, who can see it, how long it is kept, and what decisions are made with it. Mi Property Portal processes that information on the client's behalf and on its instructions, to provide the Services.

The client is responsible for: having a lawful basis and any required consents to collect and use that information; responding to access, correction and deletion requests from its tenants, owners and others (we will provide reasonable assistance through the Platform); the accuracy of the information; and all decisions, representations, notices and screening activities relating to its properties and tenancies, including compliance with tenancy and human rights legislation. To the maximum extent permitted by law, Mi Property Portal is not liable for claims arising from the client's acts or omissions in those activities.

4. Account Registration and Security

4.1 Account Requirements

You must provide accurate, complete, and current information. You agree to: provide truthful registration information; maintain updated information; use a valid email address; and not impersonate any person or entity.

4.2 Account Security

You are solely responsible for: maintaining confidentiality of credentials; all account activities; immediately notifying us of unauthorized use; and not sharing credentials. We offer two-factor authentication (2FA) and strongly encourage all users to enable it. Account holders who choose not to enable 2FA accept the increased risk of unauthorized access to their account.

4.3 Verification and Limitations

We may verify your identity and suspend accounts pending verification. You may only create one account per email address. Multiple accounts for deceptive purposes are prohibited and may result in termination.

4.4 User Representations and Warranties

You represent and warrant that: (a) you have legal capacity and authority to enter this Agreement; (b) all information provided is true, accurate, and current; (c) your use complies with all applicable laws; (d) you are not subject to bankruptcy or insolvency proceedings; (e) your use does not conflict with court orders or contractual obligations; (f) you have all necessary rights to data you upload; and (g) you have obtained necessary consents from tenants, owners, and other parties. These representations are continuing and survive termination.

5. Subscription Plans and Pricing

5.1 Subscription Tiers

Features for each plan are at www.mipropertyportal.com/pricing. We may modify features or reassign them between plans with reasonable notice.

5.2 Unit Calculation & Administrative Users

A "unit" is any residential, commercial, or storage rental unit managed through the Platform. Units are counted at billing time. Administrative user limits: Free (1), Basic (3), Essential (Unlimited), Premium (Unlimited).

5.3 No Minimum Contract & Price Changes

All plans are month-to-month with no minimum term unless separately agreed in writing. We may change pricing with 30 days' notice. Price changes apply to subsequent billing periods. Continued use after price changes constitutes acceptance.

6. Billing and Payment Terms

6.1 Billing Cycle & Payment

Subscriptions are billed monthly in advance on the date of initial subscription (or last day of month if date doesn't exist). Payment is processed through Stripe. You authorize charges for: monthly subscription fees; per-unit charges; pay-per-use features; and applicable taxes. Your subscription auto-renews monthly unless cancelled.

6.2 Unit Charges & Taxes

Per-unit charges are based on active units at billing time. Adding/removing units during a billing period takes effect next period. All fees exclude applicable federal, provincial, and local taxes (GST, HST, PST, QST). You are responsible for all applicable taxes.

6.3 Failed Payments & Late Fees

If payment fails: we attempt processing up to 3 times over 15 days; you receive email notifications; if unsuccessful after 15 days, access is suspended; you remain responsible for outstanding fees; and suspended accounts may be reactivated upon payment. Accounts with payment outstanding beyond 30 days may incur late fees of 2% per month (26.8% annually) or maximum permitted by law.

6.4 Currency & Payment Terms

All fees are in Canadian Dollars (CAD). Payments must be made in full without deduction, withholding, or set-off. You are responsible for all fees imposed by your financial institution.

7. Refund and Cancellation Policy

7.1 NO REFUNDS

SUBSCRIPTION FEES ARE GENERALLY NON-REFUNDABLE, EXCEPT WHERE A REFUND IS REQUIRED BY APPLICABLE LAW OR EXPRESSLY PROVIDED IN THIS AGREEMENT. Otherwise, once processed, no refunds are issued, including for: cancellation mid-period; unused services; service interruptions, downtime, or maintenance; feature limitations or bugs; dissatisfaction; duplicate payments (except billing errors, which we will correct); policy or feature changes; account suspension or termination; or service discontinuation.

7.2 Subscription Cancellation vs. Account Deletion

7.2.1 Cancelling Your Paid Subscription

You may cancel your paid subscription anytime via account settings from the admin portal. Upon cancellation: you will be billed for the full month; you retain access to paid features until billing period ends; your account automatically downgrades to the Free plan; your data remains accessible under Free plan features; you can upgrade back to paid anytime; and no partial refunds are provided.

7.2.2 Complete Account Deletion

To completely delete your account (not just cancel subscription), you need to initiate ‘Delete Account’ process from the portal account settings. Upon account deletion: access terminates immediately (or at end of billing period if on paid plan); you will be billed for the full month (if on paid plan); account and data are subject to Section 21 (Data Retention Policy); deletion is permanent after 30-day grace period; and no refunds are provided.

7.2.3 Reactivation and Upgrades

Free plan users may upgrade to any paid plan anytime. Upgrading constitutes a new subscription with billing commencing immediately. Deleted accounts may be reactivated within 30 days by contacting support. After 30 days, accounts and data are permanently deleted and cannot be recovered.

7.3 Pay-Per-Use Charges & Chargebacks

Pay-per-use charges are non-refundable once the service is rendered, except where required by law. Please contact us before disputing a charge with your bank or card issuer; most billing issues can be resolved quickly. A chargeback that is determined to be unauthorized, fraudulent or otherwise improper is a breach of this Agreement and may result in suspension or termination and recovery of the amounts owed and related costs.

7.4 Third-Party Vendor Fees and Unused Subscriptions

Subscription fees paid to Mi Property Portal cover access to the Platform only, as shown on our pricing page (for example, the Essential plan's monthly fee plus the per-unit charge). Third-party vendors used through the Platform, such as payment processors and tenant screening providers, charge their own fees under their own terms. Those fees are separate from, and not included in, Mi Property Portal subscription fees.

Mi Property Portal is not responsible for, and will not refund subscription fees because of: fees charged by third-party vendors; delays, declines, holds, errors or other payment issues caused by a third-party vendor; or a vendor's approval, onboarding or account decisions.

Your subscription gives you access to the Platform from the start of each billing period, whether or not you use it. Except where required by law, subscription fees are not refundable, in whole or in part, because the software or any of its features was not used, including where: payment processing or another integration has not been set up or approved; onboarding, data setup or training is incomplete; or you are waiting on a third party, a client or your own team. If you do not plan to use a paid plan, you may downgrade to the Free plan or cancel at any time under Section 7.2. Fees for past billing periods will not be refunded.

8. Payment Processing Services

8.1 Third-Party Processors & Our Role

We facilitate payment processing through Shift4 (formerly Worldline) and other third-party payment processors. WE ARE A FACILITATOR ONLY. We: do NOT process payments directly; do NOT store credit card information; do NOT store bank account information; do NOT hold or control funds in transit; are NOT a party to your contract with processors; and bear NO responsibility for processor services, fees, or failures.

8.2 Fees & Terms

Shift4 (formerly Worldline): Transaction fees charged by Mi Property Portal as shown at https://support.mipropertyportal.com/knowledgebase/mipp-payment-processor-features-and-fees/

By using payment processors, you agree to: review and accept their terms of service and privacy policy; establish direct contractual relationship with them; comply with all their requirements; provide accurate payment information; and resolve disputes directly with them.

8.3 Data Storage & No Liability

All credit card and bank account information is stored exclusively on processor servers, subject to their security protocols and PCI-DSS compliance. We receive only transaction confirmation status, reference numbers, and non-sensitive metadata.

WE EXPRESSLY DISCLAIM ALL LIABILITY FOR: processor interruptions, failures, or downtime; transaction delays or failures; fee changes; disputed transactions or chargebacks; fraud or unauthorized transactions; policy changes or service termination; and data security or privacy breaches at processor level.

9. Privacy Policy and Personal Information

9.1 Our Commitment

We protect Personal Information in accordance with PIPEDA and applicable provincial privacy legislation. We have designated a Privacy Officer who is accountable for our compliance (see Section 24.2).

9.2 Information We Collect

Account Information: name, email, phone, address, company/business information

Property & Tenant Information: property addresses, unit details, tenant names/contacts, lease terms, rental amounts, payment history, service requests

Prospective Tenant Information (Rental Applications): name, email, phone, current address, employment information, references

Financial Information: transaction history and billing information. WE DO NOT STORE: credit card numbers, expiration dates, CVV/CVC codes, bank account numbers, or banking login credentials. This information is entered directly with, and stored by, our payment processors.

Technical Information: IP address, browser type, device information, operating system, cookies, log files, session data

Communications: support tickets, emails, in-platform messages, SMS messages

Usage Information: features accessed, reports generated, documents created, activity logs, platform interaction analytics

The above excludes text messaging originator opt-in data and consent; this information will not be shared with any third parties.

9.3 How We Use Personal Information

We use Personal Information for: service provision (creating accounts, providing features, processing transactions, generating reports, facilitating communications); payment processing (billing, processing payments, reconciling accounts); communications (service notifications, support responses, product updates, marketing with consent/opt-out); platform improvement (usage analysis, bug fixes, new features, UX improvements); legal compliance (legal obligations, fraud prevention, enforcing terms, protecting security, responding to legal requests); and third-party services with consent (credit reporting, insurance facilitation, identity verification, tenant screening).

9.4 Legal Basis (PIPEDA Compliance)

Under PIPEDA, we collect, use, and disclose Personal Information only with your knowledge and consent, except where permitted/required by law.

Express Consent: account creation; subscriptions; credit reporting opt-in; insurance applications; identity verification; tenant screening and criminal background check authorization; and any collection or use of sensitive information, including financial information, identification documents, credit information, criminal record information and biometric information.

Implied Consent: limited to routine, non-sensitive uses you would reasonably expect from using the Platform, such as operating the features you use, responding to support requests and sending service communications.

Statutory Exceptions (no consent required): legal obligations, emergencies affecting life/health/security, law contravention investigation

You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting privacy@mipropertyportal.com. Withdrawal may limit your ability to use certain Services.

9.5 Cookies and Tracking

We use: Essential Cookies (authentication, security); Functional Cookies (preferences, settings); Analytics Cookies (Google Analytics); and Marketing Cookies (Facebook Pixel). You can control cookies through browser settings. Disabling essential cookies may impair functionality. We do not respond to Do Not Track signals.

9.6 Data Security

We implement appropriate technical and organizational measures including: encryption in transit (SSL/TLS) and at rest; secure data centers (Microsoft Azure, A2 Hosting); security assessments; intrusion detection; firewalls; access controls and authentication; role-based permissions; employee confidentiality obligations; and incident response procedures. These safeguards are appropriate to the sensitivity of the information. However, no electronic system or method of transmission can be guaranteed to be completely secure, and we cannot guarantee that unauthorized access, disclosure, alteration or loss will never occur.

9.7 Data Retention

Active Accounts: Personal Information retained while account is active; financial records retained 7 years; transaction logs retained 2 years

Closed Accounts: Account data retained 30 days after cancellation (recovery period); financial records retained 7 years; legal hold data retained as required; anonymized data may be retained indefinitely

9.8 International Data Transfers

Personal Information may be processed, stored, and transferred outside Canada, including to the United States where our service providers operate. By using Services, you consent to such transfers. We ensure appropriate safeguards through service provider contracts, industry-standard security, and PIPEDA transborder compliance.

9.9 Your Privacy Rights

Under PIPEDA, you have the right to: Access (request copies, understand use/disclosure within 30 days); Correction (request correction of inaccurate information); Withdrawal (opt out of marketing, withdraw consent subject to restrictions); Complaint (file with our Privacy Officer or Office of the Privacy Commissioner of Canada); and Portability (request data in machine-readable format where technically feasible).

To exercise rights, contact privacy@mipropertyportal.com.

9.10 Children's Privacy & Policy Updates

Services are not for individuals under 18. We do not knowingly collect information from minors. We may update this Privacy Policy to reflect practice changes, legal requirements, or service features. Material changes will be notified via email or Platform notification. Continued use after changes constitutes acceptance.

9.11 Security Incidents

Security is a shared responsibility. We protect the Platform as described in Section 9.6. Clients are responsible for their users' accounts, credentials and 2FA settings, and for the devices and networks they use to access the Platform.

If we become aware of a security incident affecting personal information in the Platform, we will: take reasonable steps to contain and investigate it; notify affected clients without undue delay; and report to the Office of the Privacy Commissioner of Canada and notify affected individuals where required by law. Clients must cooperate with our investigation and notify their own tenants, owners and others where they are responsible for doing so.

Notice of a security incident is not an admission of fault or liability by Mi Property Portal. Incidents caused by a client's credentials, devices, users or client-controlled connections are the client's responsibility.

10. Third-Party Services and Data Sharing

10.1 General Third-Party Sharing

We share Personal Information with third-party service providers only when necessary to deliver Services. Third parties are contractually obligated to: use information only for specified purposes; maintain appropriate security; comply with privacy laws; and return or destroy information when services conclude.

10.2 Categories of Third Parties

Infrastructure & Hosting: Microsoft Azure, A2 Hosting, CDNs

Payment Processing: Stripe, Shift4 (formerly Worldline)

Analytics & Marketing: Google Analytics, Facebook Pixel, email providers

Communication Services: Email delivery, SMS gateways

Support & Operations: Customer support systems, workflow automation (n8n)

Listing & Distribution Partners: rental listing websites, listing syndication partners, licensed real estate brokerages and other listing channels

Insurance Partners: tenant, pet and other insurance providers

Integrations: optional third-party services connected to the Platform, as described in Sections 10.9 and 10.10

10.3 Service-Specific Data Sharing

Rental Applications & Listings: Prospective tenant application information is shared with Property Managers or Owners. Listings on rentalportal.ca are publicly accessible and may be indexed by search engines. We are not responsible for third-party use of public information.

Credit Bureau Reporting: Shared with Equifax Canada (and potentially other credit bureaus) with explicit tenant consent. See Section 12.

Insurance Services: Shared with insurance providers and brokers with user consent. See Section 13.

Identity Verification: Shared with identity verification providers upon user authorization. May include government ID and biometric data.

Tenant Screening: Shared with background check providers with tenant consent. May include credit history, criminal records, rental history.

Tenant Insurance Purchases (Tenant Portal): When a tenant buys insurance through the tenant portal, we share only a tenant ID with the insurance provider so the policy can be matched to the tenancy. We do not share other personal information with the provider in this process. Anything the tenant gives the provider directly is governed by the provider's own privacy policy.

Listing Distribution: When you publish a listing to third-party listing channels (such as rental listing websites, syndication partners or licensed real estate brokerages), we share the information needed to publish it: the Property Manager's name, email address and phone number, and property and unit details. Where a channel must verify ownership or authority to list, we may also share the property owner's legal name.

10.4 Information Shared

Depending on service: name and contact information; property and unit details; financial information (payment history, amounts); identification documents; tenancy details; and communication history. We share only minimum information necessary.

10.5 Third-Party Privacy Policies

Service providers have their own privacy policies:

• Stripe: https://stripe.com/ca/privacy
• Shift4 (formerly Worldline): https://www.shift4.com/privacy-policy
• Google Analytics: https://www.google.com/policies/privacy
• Microsoft Azure: https://privacy.microsoft.com/

10.6 Data Sale Prohibition

WE DO NOT AND WILL NOT SELL YOUR PERSONAL INFORMATION. We do not sell, rent or trade any user data to third-party vendors. Information is shared only as described in this Agreement, and only to deliver services that you or your organization have chosen to use.

10.7 Business Transfers and Change of Control

In a merger, acquisition, reorganization, bankruptcy, or sale (collectively, "Business Transfer"), all rights, obligations, and assets including all Personal Information and user data may be transferred to a successor entity (the "Successor") without your prior consent or approval. This Agreement automatically assigns to any Successor. Your continued use after a Business Transfer constitutes acceptance of the Successor.

Data Transfer: All Personal Information and user data (account info, property/tenant data, financial records, communications, usage data, content, documents, historical data) will be transferred to the Successor.

Successor Obligations: The Successor is bound by this Agreement, including its privacy protections, and will continue to use personal information for the purposes described in this Agreement unless new consent is obtained. The Successor may update this Agreement under Section 1.3. The Successor may: continue operating Services under the same or different terms; modify features, pricing, or functionality; integrate with other platforms; rebrand; and change privacy practices with notice and any consent required by law.

Notice: We will make reasonable efforts to notify you via email or Platform notice within a reasonable timeframe, but advance notice prior to closing is not required.

Cancellation and Refunds: A Business Transfer does not by itself entitle you to a refund. You may cancel or downgrade at any time under Section 7.2.

No Liability: Neither Mi Property Portal nor Successor is liable for: service changes by Successor; different business practices; integration challenges; temporary disruptions during transition; changes to features, pricing, or terms by Successor; or your dissatisfaction with Successor's operation.

Insolvency: In a bankruptcy, receivership or insolvency, service continuity is not guaranteed, and data may be transferred to a purchaser of the business subject to applicable privacy law. You should keep your own backups of your data.

Due Diligence: In connection with a prospective Business Transfer or financing, we may disclose information to the other party and its advisers as permitted by applicable privacy law and under confidentiality obligations.

10.8 Legal Disclosures & Aggregate Data

We may disclose Personal Information without consent when required by law: court orders or subpoenas; law enforcement requests; regulatory investigations; protection of legal rights; prevention of fraud or illegal activity; and emergency situations affecting health or safety.

We may create aggregate, anonymized, or de-identified data from Personal Information. This data cannot identify individuals and may be: used for analytics and research; shared with third parties; used for marketing or business purposes; and retained indefinitely.

10.9 Integrations and Optional Services

Mi Property Portal connects, and will continue to connect, with third-party services, including listing channels, insurance, screening, identity verification, payment, accounting, communication and other business tools ("Integrations"). Many Integrations are optional and are turned on by the client or user.

When an Integration is activated: we share only the information needed to deliver it; the third party's own terms and privacy policy apply to the information it receives; and activating the Integration authorizes that sharing. Where required by law, we will describe what is shared, or obtain consent, at the time of activation. This Section applies to all current and future Integrations, so new Integrations that follow it may be added without amending this Agreement.

10.10 Client-Controlled Connections

Clients may connect Mi Property Portal to systems and services they choose, using API access or credentials (such as API keys) issued to or held by the client. These connections include client APIs and third-party tools the client subscribes to, such as artificial intelligence (AI) or large language model (LLM) services, and may involve property, tenant and financial information from the client's account. The client, not Mi Property Portal, chooses and contracts with any such third party.

Clients are responsible for: keeping API keys and credentials confidential; limiting access to authorized personnel and systems; all activity performed with their credentials; the settings of any connected service, including turning off any option that lets a provider use data to train its models; complying with privacy laws and obtaining any consents required from tenants, owners and others; and all data once it leaves the Platform through their connection. We may log activity, apply usage limits, and suspend or revoke access to protect the Platform and its users. Clients must notify us immediately if credentials may have been compromised.

Mi Property Portal is not responsible for any data leak, disclosure, retention or misuse that results from a client-controlled connection, its configuration (including data being used to train an AI model), or the practices of the third party the client has chosen.

11. Artificial Intelligence

11.1 Mi Property Portal AI Features

Mi Property Portal does not currently provide its own AI features. Clients may connect their own AI services under Section 10.10. If we introduce AI features in the future, AI output will be generated automatically and may be inaccurate, incomplete or out of date. AI output is not legal, financial, tax, insurance or tenancy advice. You must review AI output before relying on it or sending it to anyone, and you are responsible for how you use it.

11.2 No AI Training on Your Data

We will not use client, owner, tenant or prospect Personal Information to train AI models. If we introduce AI features that use third-party AI providers, the information will be processed only to deliver the feature, under terms that do not allow the provider to use it to train its models. AI services a client connects on its own are the client's responsibility under Section 10.10.

11.3 Prohibited AI Uses

You shall NOT: scrape, copy or extract Platform content or data, by automated means or otherwise, to train or improve any AI model; use AI to create false or altered documents, applications, identities, images or listings; impersonate any person using AI-generated text, voice, images or video; attempt to manipulate our AI features (for example, through prompt injection) to access information you are not authorized to see or to bypass security; or use the Platform to make automated decisions about tenants or applicants that breach human rights or privacy laws.

11.4 AI-Generated Fraud and Document Authenticity

Documents and information submitted through the Platform (such as pay stubs, bank statements, identification, references and photos) may be altered or generated by AI. Mi Property Portal does not verify the authenticity of documents or information submitted by applicants, tenants, owners, vendors or other users. Identity verification and screening services help reduce risk but do not guarantee authenticity. Clients are responsible for their own verification and decisions, and Mi Property Portal is not liable for losses caused by fraudulent, falsified or AI-generated submissions.

12. Credit Bureau Reporting

12.1 Service & Consent

We offer optional rent reporting services allowing Property Managers to report tenant rent payment history to credit bureaus (Equifax Canada and potentially others). Rent payment history will ONLY be reported with the tenant's explicit, informed, written consent. Consent must be: freely given; specific to credit reporting; informed (tenant understands what is reported and consequences); and documented within the Platform.

12.2 Information Reported & Responsibility

With tenant consent, we may report: tenant name and contact; property address; rent amount and due dates; payment history (on-time, late, or missed); lease start and end dates; and outstanding balances or arrears.

Property Managers are solely responsible for: ensuring accuracy; obtaining valid consent; maintaining documentation; promptly correcting errors; and notifying tenants of reporting. Mi Property Portal acts only as facilitator and is not responsible for: accuracy of data reported by Property Managers; credit score impacts; disputes regarding payment history; or failure to report or reporting delays.

12.3 Tenant Rights & Compliance

Tenants have the right to: request disclosure of reported information; dispute inaccurate information; withdraw consent (affecting future reporting only, not historical data); and access their credit report directly from credit bureaus. Credit reporting services comply with: Consumer Reporting Acts (provincial); PIPEDA; credit bureau reporting standards; and fair reporting principles. Credit bureau reporting may be subject to pay-per-use fees.

13. Insurance Services

13.1 Service & Role as Facilitator

We facilitate access to insurance products through partnerships with third-party providers. Offerings may include: For Tenants (tenant insurance, pet insurance, automobile insurance); and For Owners (building/property insurance, rental income insurance, rental guarantee programs). Insurance offers may appear in the tenant portal, owner portal and admin portal.

IMPORTANT: Mi Property Portal is NOT an insurance provider, broker, or agent. We provide information about, and links to, licensed insurance partners. We do NOT give insurance advice, and we do NOT underwrite, sell, or administer insurance policies. We may receive a referral fee from insurance partners when a policy is purchased through the Platform.

Sharing of referral fees with Property Managers: We may share part of a referral fee with the Property Manager whose account an insurance offer appears in. A Property Manager who receives any share is responsible for disclosing it to its owners and tenants where required, and for complying with any licensing, conflict-of-interest and disclosure rules that apply to it. Mi Property Portal does not require any owner or tenant to buy insurance through the Platform.

13.2 Information Shared & Consent

Insurance products are provided by licensed third-party companies. By applying, you: enter direct relationship with provider; agree to provider's terms; and authorize information sharing. For tenant insurance bought through the tenant portal, we share only a tenant ID (see Section 10.3). For other insurance offerings, with your consent, we may share: name and contact; property address and details; tenancy or owner information; and coverage preferences.

You must provide explicit consent to: share information with providers; be contacted by providers; and receive quotes and policy information. Consent is obtained through: opt-in during application; electronic signature; and checkbox acknowledgments.

13.3 No Insurance Advice & No Liability

We do NOT provide insurance advice, recommendations, or endorsements. You are responsible for: evaluating products independently; reading policy terms; understanding coverage and exclusions; comparing quotes; and consulting licensed professionals.

Mi Property Portal is not liable for: policy terms, coverage, or exclusions; provider service quality; claims handling or payment; policy cancellations or non-renewals; provider privacy or data security; or disputes with providers.

14. Electronic Signatures and Communications

14.1 Electronic Signature Agreement

By using e-signature features, you agree that: electronic signatures may have the same legal effect as handwritten signatures where permitted by applicable law; you intend to be legally bound by documents you electronically sign; e-signatures reflect your intent to authenticate documents; your e-signature is unique and reflects your identity; you personally executed the e-signature; no other person executed it without proper authorization; and you have authority to sign on behalf of any entity represented. By electronically signing any document, you: acknowledge reading and understanding it; agree to be legally bound; and waive any right to claim invalidity due to electronic format.

We keep a record of each signing event, including the signer, the date and time, and the signed document. Some documents may legally require a handwritten signature or another method; you are responsible for confirming which method applies.

14.2 Electronic Document Delivery & Consent

By using Services, you consent to receive all communications, documents, notices, and disclosures electronically including: account statements; financial reports; lease agreements; notices and alerts; legal notices; privacy policy updates; and terms of service modifications. Electronic communications may be delivered via: email to registered address; in-platform notifications; SMS messages (if enabled); and dashboard alerts.

You agree to: provide and maintain current, valid email address; check email regularly; update email if it changes; and ensure your email can receive messages from our domain. Electronic communications constitute proper written notice for all legal purposes and satisfy any requirement that communications be in writing.

14.3 Record Retention & Technical Requirements

You are responsible for: downloading and saving copies; printing documents for records; maintaining adequate backups; and storing documents securely. We make electronically signed documents available through your account, but documents may not be available after cancellation. We recommend maintaining independent copies.

To access electronic communications and signatures, you must have: internet access; email account; modern web browser (Chrome, Firefox, Safari, Edge); ability to open PDF files; adequate storage; and printer (optional).

14.4 Opting Out & Party-to-Party Communications

You may request paper delivery of certain documents, subject to: additional printing/mailing fees; availability in paper format; and delivery delays. You cannot opt out of: service-related notifications essential to Platform operation; security alerts; billing notifications; and legal notices required by law. To request paper delivery, contact help@mipropertyportal.com.

Electronic communications between parties (Property Manager to Tenant, etc.) are managed by those parties directly; require mutual agreement for opt-out; are subject to separate consent and notice requirements; and Mi Property Portal is not responsible for ensuring opt-out compliance between parties.

14.5 Marketing Communications and CASL Compliance

We comply with Canada's Anti-Spam Legislation (CASL). By providing your email through account registration, rental application, service inquiries, or other Platform interactions, you provide implied or express consent to receive commercial electronic messages.

Types of Marketing Communications: new features or services; promotional offers for tenant services (credit reporting, insurance, screening); rental opportunity notifications (for prospective tenants); product updates; educational content; and partner offers (with consent).

Prospective Tenant Consent: When you submit a rental application, you consent to receiving: application status updates (transactional, cannot opt out); information about services that may benefit you; notifications about rental opportunities matching criteria; and promotional communications about services.

Opt-Out Rights: You may opt out anytime by: clicking "unsubscribe" in marketing emails; updating email preferences in account settings; or contacting help@mipropertyportal.com with "Unsubscribe" in subject line. Opting out does NOT opt you out of: transactional emails; service-related communications; legal notices; billing and payment notifications; or security alerts. Your consent can be withdrawn anytime. Withdrawal does not affect lawfulness of communications sent before withdrawal.

Third-Party Marketing: We do NOT sell your email address to third parties for their marketing purposes. We may send information about partner services, but only from Mi Property Portal, and you can always opt out.

15. User Responsibilities and Acceptable Use

15.1 Account Use Obligations

You agree to: provide accurate, truthful information; maintain security of login credentials; use Services in compliance with all applicable laws; not use Services for unlawful purposes; respect intellectual property rights; and maintain professional and respectful communications.

15.2 Prohibited Activities

You shall NOT: (a) Security Violations - access others' accounts without authorization; breach security measures; use automated tools (bots, scrapers); reverse engineer Platform code; introduce viruses, malware, or harmful code; or probe security vulnerabilities; (b) Content Violations - upload illegal content; post defamatory, threatening, or harassing content; distribute hate speech or discriminatory content; share sexually explicit or obscene materials; infringe copyrights, trademarks, or other IP rights; or post false or misleading information; (c) Abuse & Fraud - engage in fraudulent activities; impersonate others or misrepresent affiliations; manipulate or falsify data; create fake accounts; engage in money laundering; or violate anti-spam laws; or (d) Service Disruption - overload servers or networks; interfere with other users' access; circumvent usage limitations; or use Services to harm minors.

15.3 Content Responsibility

You are solely responsible for: all content you upload, submit, or transmit; accuracy of information entered; legal compliance of your content; and consequences of sharing content. By uploading content to the Platform, you grant us a limited license to: store and process content to provide Services; display content to authorized users; create backups for disaster recovery; and use anonymized data for analytics. This license terminates when you delete content, subject to retention policies. We reserve the right (but have no obligation) to: monitor content for compliance; remove content violating this Agreement; investigate suspected violations; and cooperate with law enforcement.

15.4 Compliance with Laws

You agree to comply with all applicable laws including: provincial residential tenancy acts; human rights legislation; privacy laws (PIPEDA, provincial privacy acts); anti-spam legislation (CASL); consumer protection laws; tax laws; and accessibility requirements. Property Managers must: comply with provincial landlord-tenant legislation; use legally compliant lease forms; follow proper notice procedures; respect tenant privacy rights; adhere to rent control regulations; and follow eviction procedures as required by law. Mi Property Portal does not provide legal advice. Consult legal counsel for compliance questions.

Forms, notices and calculations are not legal advice. The availability of a form, notice, lease template, workflow, calculation, reminder, or other legal or regulatory feature (including Landlord and Tenant Board forms) does not constitute legal advice or representation, or confirmation that a document, calculation, notice, process or action complies with applicable law or suits a particular situation. You are solely responsible for verifying applicable law, deadlines, calculations, service requirements and procedures, and the suitability of any document, before relying on or delivering it.

15.5 Fair Housing and Anti-Discrimination

You must comply with human rights and fair housing laws. You shall NOT: discriminate based on protected grounds (race, religion, gender, family status, etc.); use discriminatory language in rental listings; apply different criteria to applicants based on protected characteristics; or retaliate against tenants exercising legal rights.

15.6 Rental Listing Responsibilities

When publishing rental listings on rentalportal.ca, you represent and warrant that: you have legal authority to list the property; you own or have authorization from the owner; all information is accurate and truthful; all photos and descriptions are accurate; the property complies with building codes and safety standards; you have necessary permits and licenses; and the listing complies with fair housing laws.

Listing Content Standards: Listings must NOT contain: false, misleading, or deceptive information; discriminatory language or preferences; inaccurate photos or descriptions; misleading pricing or terms; contact information for competing services; offensive, inappropriate, or illegal content; copyrighted images without permission; or personal information of current tenants.

Public Disclosure Acknowledgment: By enabling a listing on rentalportal.ca, you acknowledge: listing information is publicly accessible on the internet; anyone can view, copy, or share information; search engines may index and display your listing; we cannot control third-party use; you assume all risks of public disclosure; and you are responsible for removing or updating listings promptly when properties are rented. Once information is published, we cannot guarantee that third parties, search engines, archives, aggregators, screenshots or cached copies will remove it.

Listing Accuracy: You must: update listings immediately when property status changes; remove listings when no longer available; correct errors or inaccuracies promptly; ensure pricing and terms are current; and respond to inquiries timely and professionally.

15.7 Data Accuracy & Communication Standards

You are responsible for: entering accurate property, unit, and financial information; updating information promptly; verifying data before generating reports; and correcting errors immediately. All communications through the Platform must: be professional and respectful; comply with anti-spam laws; honor opt-out requests; and not contain threatening or harassing language.

15.8 Export Restrictions

You shall not export or re-export the Services or technical data in violation of Canadian export control laws or regulations.

16. Intellectual Property Rights

16.1 Our Intellectual Property

All content, features, functionality, and materials on the Platform including software code, text, graphics, logos, icons, images, design elements, user interface, trademarks, service marks, documentation, help materials, and algorithms are the exclusive intellectual property of Zealper Corporation and protected by Canadian and international copyright, trademark, patent, and other intellectual property laws.

16.2 License Grant

Subject to compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to: access and use Services for their intended purpose; use Platform features according to your subscription level; and access documentation and support materials. This license does not include rights to: modify, copy, or distribute Platform code; create derivative works; reverse engineer; use our trademarks or branding without permission; or frame or mirror any Platform content.

16.3 Trademarks

"Mi Property Portal," "MiPP,", “Rental Portal”, logos, and other marks are trademarks of Zealper Corporation. You may not use these trademarks without our prior written consent.

16.4 User Content Ownership

You retain ownership of content you upload. By uploading content through open communication tools (forums, comments, reviews), you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to: reproduce, modify, adapt, and translate such content; publicly display and distribute such content; and use such content for marketing or promotional purposes. This license applies only to content posted in public areas, not to private account data.

16.5 Feedback & Copyright Infringement

If you provide feedback, suggestions, or ideas about Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use and incorporate such feedback without compensation or attribution.

We respect intellectual property rights. If you believe content infringes your copyright, contact help@mipropertyportal.com with: identification of copyrighted work; location of infringing material; your contact information; statement of good faith belief; statement of accuracy under penalty of perjury; and physical or electronic signature. We will respond to valid DMCA notices. Repeat infringers may have accounts terminated.

16.6 Ownership of Data

You own your data. The client owns the data it and its users enter or upload, including tenant, owner and property records, leases, documents, photos and financial records. We use it only to provide the Services as described in this Agreement.

We own the Platform. Mi Property Portal owns the software, source code, user interface, workflows, templates, documentation, trademarks, platform architecture, and aggregate or de-identified data and statistics that do not identify any individual or client.

17. Service Availability and Modifications

17.1 Service Level

We strive to provide reliable, continuous access but do NOT guarantee: uninterrupted access; error-free operation; freedom from viruses or harmful code; compatibility with all devices or browsers; or specific uptime percentages. We may perform scheduled maintenance requiring temporary interruptions. We will provide advance notice when feasible and perform maintenance during off-peak hours when possible. Services may be unavailable due to: emergency maintenance; security incidents; third-party service failures; network outages; cyber attacks or DDoS events; or natural disasters or force majeure.

17.2 Platform Modifications

We reserve the right to: add, modify, or remove features; change Platform design or user interface; implement bug fixes and security patches; update software dependencies; and migrate to new infrastructure. No refunds will be issued for service interruptions or feature unavailability during updates, maintenance, or implementation of new features. Features may be added, modified, or deprecated with notice. Free features may become paid features. Paid features may be moved to higher subscription tiers. We will provide reasonable notice of material feature changes.

17.3 Beta Features & Third-Party Dependencies

Beta, pilot, or experimental features are provided "as-is" without warranties; may be unstable or incomplete; may be modified or discontinued without notice; may have limited support; and should not be relied upon for critical operations. Services rely on third-party providers (Azure, payment processors, etc.). We are not responsible for third-party service failures but will work to mitigate impacts.

17.4 Browser Compatibility & Mobile Applications

We support modern, updated versions of: Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari. Older browsers or outdated operating systems may not be compatible. You are responsible for maintaining compatible systems. Mobile applications (if available) may have different features or limitations compared to web-based access. App stores have separate terms that apply.

17.5 Service Continuity and Transition

We do not guarantee Services will continue indefinitely. We may, at our sole discretion and without liability: discontinue Services entirely; sell the business to a third party who may operate differently; merge with another company resulting in service changes; restructure the business affecting service delivery; or transition to a different business model.

Wind-Down Period: If we discontinue Services entirely (not in connection with a sale), we will provide 90 days' advance written notice at a minimum where commercially reasonable and opportunity to export data during notice period. No refunds for prepaid fees. However, immediate discontinuation without notice may occur in cases of: force majeure events; legal requirements or court orders; financial exigency or insolvency; or security threats or data breaches.

Data Export Rights: You are responsible for regularly exporting and backing up your data. Upon discontinuation: you will have reasonable opportunity to export data (if technically feasible); exported data may be in a different format than original; we are not obligated to provide data in any specific format; data export tools may have limitations; and we are not responsible for any data not exported by you.

Successor Service Continuity: If Services are transferred to a Successor: the Successor determines service levels and features; subscription terms may be modified by Successor (with notice); pricing may change upon renewal; features may be added, removed, or modified; integration with other services may occur; and branding and user experience may change.

No Liability: Neither Mi Property Portal nor any Successor shall be liable for losses, damages, or costs arising from: discontinuation of Services; changes implemented by Successor; inability to export data in preferred format; business disruption during transitions; or need to migrate to alternative platforms.

18. Limitation of Liability

18.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MI PROPERTY PORTAL'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT OR YOUR USE OF SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY. For users on the Free Plan, our maximum liability is CAD $100.

18.2 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MI PROPERTY PORTAL SHALL NOT BE LIABLE FOR: indirect, incidental, special, consequential, or punitive damages; lost profits, revenue, or business opportunities; loss of data or data corruption; cost of substitute services or products; business interruption; reputational harm; or loss of goodwill. This exclusion applies regardless of: legal theory (contract, tort, negligence, strict liability, or otherwise); whether we were advised of the possibility of such damages; or whether damages were foreseeable.

18.3 Specific Disclaimers

WE ARE NOT LIABLE FOR: Third-Party Services (payment processor failures or errors; credit bureau reporting accuracy; insurance provider services; identity verification results; tenant screening reports; third-party integrations; client-controlled connections, including APIs and AI services); User Actions (errors in data you enter; your failure to comply with laws; disputes between Property Managers, Owners, and Tenants; decisions made based on Platform data; failure to back up data; unauthorized account access due to your negligence); Platform Issues (service interruptions or downtime; data loss or corruption; security breaches beyond our control; software bugs or errors; compatibility issues; performance degradation); Legal & Financial Matters (tax consequences; legal compliance; financial decisions; lease enforceability; regulatory violations); or Rental Listings & Applications (accuracy of listing information; quality, condition, or legality of listed properties; availability of listed properties; conduct of Property Managers, Owners, or Landlords; rental application outcomes or decisions; discrimination in rental processes; privacy or security of publicly posted listings; third-party use of public listing information; search engine indexing or display of listings; disputes between prospective tenants and Property Managers/Owners; failure to rent a property or secure tenancy; loss of rental opportunities; reliance on listing information by prospective tenants).

18.4 Warranty Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO: implied warranties of merchantability; fitness for a particular purpose; non-infringement; title; quality, accuracy, or reliability; uninterrupted or error-free operation; or freedom from viruses or harmful components. No oral or written information or advice provided by us creates a warranty.

18.5 Jurisdictional Limitations & Essential Purpose

Some jurisdictions do not allow exclusion of certain warranties or limitation of liability for consequential damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law. Multiple claims shall not expand the limitation of liability. All claims are aggregated toward the maximum liability amount. You acknowledge that the warranty disclaimers and liability limitations are essential elements of this Agreement and that we would not provide Services without these limitations.

19. Indemnification

19.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Zealper Corporation, its parent company, affiliates, subsidiaries, officers, directors, employees, agents, licensors, and service providers (collectively, "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees and court costs) arising from or relating to:

(a) Your Use of Services: your access to or use of Services; your violation of this Agreement; your violation of any law or regulation; your violation of third-party rights

(b) Your Content: content you upload or transmit; inaccuracy of information you provide; your communications through the Platform

(c) Your Conduct: disputes with other users; your property management activities; your landlord-tenant relationships; your business operations

(d) Third-Party Claims: claims by tenants, owners, vendors, or other parties; discrimination claims; privacy violations; contractual disputes

(e) Rental Listings: claims arising from rental listing content; false, misleading, or inaccurate listing information; discriminatory listing practices; unauthorized listing of properties; infringement of third-party rights in listing photos or content; disputes with prospective tenants; fair housing or human rights violations; failure to disclose property defects or issues; claims by current tenants regarding privacy violations from public listings

(f) Client Integrations: your use of API keys, credentials and client-controlled connections, including any third-party tools or AI services you connect to the Platform and their settings; and any disclosure, retention or misuse of data through them

This indemnity does not apply to the extent a claim is caused by the negligence, wilful misconduct, or breach of this Agreement by Mi Property Portal.

19.2 Defense of Claims & Survival

We reserve the right, at our expense, to assume exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with our defense and shall not settle any matter without our prior written consent. You must promptly notify us of any claims for which you may be required to indemnify us. Failure to provide timely notice may relieve us of certain obligations but does not eliminate your indemnification duty. The indemnification obligations survive termination of this Agreement.

19.3 Claims by Tenants, Owners and Other Users

Mi Property Portal is not a party to any lease, property management agreement or tenancy. Disputes about those arrangements, or about a client's decisions or handling of information (see Section 3.5), are between the parties involved and must be directed to the client first.

Tenants, owners, prospects and vendors who use the Platform agree to this Agreement, including Section 18 (Limitation of Liability) and Section 22 (Dispute Resolution and Governing Law). Clients will indemnify Mi Property Portal under Section 19.1 for any claim by their tenants, owners, applicants or vendors arising from the client's data, instructions or decisions. Nothing in this Section limits any right that cannot be waived by law, including the right to file a complaint with the Office of the Privacy Commissioner of Canada.

20. Termination and Suspension

20.1 Termination by You

You may cancel your paid subscription at any time, which downgrades your account to the Free plan (see Section 7.2.1). You may delete your account completely by clicking the ‘Delete Account’ button from portal account settings. Termination is subject to Section 7 (Refund and Cancellation Policy). Account deletion is permanent after the 30-day grace period.

20.2 Termination by Us

We may suspend or terminate your account immediately, without notice or liability, if: you breach any provision of this Agreement; you engage in prohibited activities; you fail to pay fees when due; you provide false or misleading information; we are required by law or court order; or we reasonably believe your account is being used for illegal purposes. We may terminate free accounts anytime without cause. We may terminate paid accounts with 30 days' notice without cause.

20.3 Suspension for Non-Payment & Effect of Termination

Accounts with failed payment beyond 15 days will be automatically suspended. Suspension does not eliminate payment obligations. Upon termination: your access ceases immediately (or at end of billing period for voluntary cancellation); you remain liable for all fees incurred prior to termination; no refunds for prepaid fees (except as required by law); licenses granted under this Agreement terminate; and sections that by their nature should survive termination remain in effect.

20.4 Reactivation

Suspended accounts may be reactivated upon: payment of all outstanding fees; cure of any Agreement violations; and our approval (at our discretion). Terminated accounts may not be eligible for reactivation. Reactivation may require creating a new account.

21. Data Retention and Deletion

21.1 Data Retention During Active Use & Upon Cancellation

While your account is active, we retain all data necessary to provide Services.

30-Day Grace Period: Account data retained for 30 days after cancellation; allows for account reactivation or data export; data remains accessible if you reactivate within 30 days.

After 30 Days: Non-financial data may be permanently deleted; financial records retained per Section 21.2; anonymized data may be retained indefinitely.

21.2 Data Retention by Account Status

Active Accounts (Free or Paid): Data retained indefinitely while account is active. Free accounts are considered active if user logs in at least once every 365 days. Inactive free accounts (no login for 365+ days) may be archived or deleted after email notification.

Cancelled Subscriptions (Downgraded to Free): When paid subscription is cancelled, account downgrades to Free plan. Data retention follows Free plan policies above.

Deleted Accounts: Account data retained 30 days after deletion (allows recovery or export). After 30 days: non-financial data may be permanently deleted; financial records retained 7 years per regulatory requirements; anonymized data may be retained indefinitely.

21.3 Financial Data Retention & Legal Hold

Due to regulatory requirements, we retain financial records for seven (7) years including: transaction history; invoices and receipts; tax-related information; payment records; and account statements. Data subject to legal proceedings, investigations, or regulatory requests may be retained beyond standard retention periods until the matter is resolved.

21.4 Data Export & Deletion Requests

Before termination, you should: export all data you wish to retain; download reports and documents; and save copies of financial records. We may provide data export tools but are not obligated to maintain data after retention periods expire.

You may request deletion of your Personal Information, subject to: legal and regulatory retention requirements; legitimate business needs; accuracy of financial records; and rights of other users. We will honor deletion requests to the extent legally and contractually possible. Deleted data may persist in backups for up to 90 days before permanent deletion from all systems.

22. Dispute Resolution and Governing Law

22.1 Confidentiality of Business Information

You acknowledge that through your use, you may learn about certain confidential and proprietary information regarding Mi Property Portal's business including: business strategies and plans; financial information; technical architecture and systems; customer data and metrics; pricing strategies; product roadmaps; and business relationships and partnerships.

Non-Disclosure Obligation: You agree to maintain confidentiality of any such information and not disclose it to third parties without our prior written consent. This obligation continues indefinitely, even after termination.

Exceptions: Confidentiality obligations do not apply to information that: is or becomes publicly available through no breach; is independently developed by you without use of confidential information; or is required to be disclosed by law or court order (with prior notice to us if legally permitted).

Remedies: You acknowledge that breach of confidentiality obligations may cause irreparable harm for which monetary damages are inadequate. We are entitled to seek injunctive relief and specific performance in addition to any other remedies available at law or in equity.

22.2 Governing Law

This Agreement is 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. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

22.3 Jurisdiction and Venue

You irrevocably submit to the exclusive jurisdiction of courts located in Toronto, Ontario, Canada for resolution of any disputes arising from or relating to this Agreement or Services. You waive any objection to: personal jurisdiction in Ontario courts; venue in Toronto, Ontario; or forum non conveniens arguments.

22.4 Informal Dispute Resolution

Before starting court proceedings, each party agrees to: give the other written notice describing the dispute (for us, at help@mipropertyportal.com); allow 30 days to try to resolve it informally; and negotiate in good faith. If the dispute is not resolved, either party may start proceedings in the courts set out in Section 22.3. This does not prevent either party from seeking urgent injunctive relief.

22.5 Class Action Waiver & Limitation Period

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE PROCEEDINGS. THIS WAIVER DOES NOT APPLY TO CONSUMERS WHERE PROHIBITED BY LAW.

If you are a Business Customer, any legal action arising from or relating to this Agreement must be started within one (1) year after the claim arose or was reasonably discoverable, to the extent permitted by law. For Consumers, the limitation periods set by applicable law apply.

22.6 Injunctive Relief & Costs

Nothing prevents us from seeking injunctive or equitable relief in any court of competent jurisdiction for: intellectual property infringement; confidentiality breaches; unauthorized access or use; or irreparable harm. The prevailing party in any legal proceeding arising from this Agreement may recover reasonable attorneys' fees and costs from the non-prevailing party, to the extent permitted by law.

23. General Provisions

23.1 Entire Agreement & Amendments

This Agreement constitutes the entire agreement between you and Mi Property Portal regarding Services and supersedes all prior agreements, understandings, negotiations, and discussions, whether oral or written.

We may update this Agreement as described in Section 1.3. You may not modify this Agreement except through a written amendment signed by an authorized officer of Mi Property Portal.

23.2 Assignment and Transfer

User Restrictions: You may not assign, transfer, sublicense, or delegate your rights or obligations under this Agreement without our prior written consent. Any attempted assignment in violation is void. This includes: transferring your account to another person or entity; assigning payment obligations to a third party; sublicensing access; or delegating responsibilities.

Company Rights: Mi Property Portal may assign or transfer this Agreement, in whole or in part, without your consent, to an affiliate or in connection with a merger, acquisition, financing, reorganization, or sale of all or part of its business or assets, subject to applicable law.

Binding on Successors: This Agreement shall be binding upon and inure to the benefit of the parties and their respective successors, assigns, heirs, and legal representatives.

Assumption by Assignee: Any assignee or transferee of Mi Property Portal's rights and obligations under this Agreement shall assume all obligations and be entitled to all rights set forth herein, with the same force and effect as if such assignee were the original party to this Agreement.

23.3 No Waiver & Severability

Our failure to enforce any provision does not constitute a waiver of that provision or our right to enforce it later. Waiver of one breach does not waive subsequent breaches. If any provision is found invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions remain in full force.

23.4 Force Majeure & Independent Contractors

We are not liable for failure to perform obligations due to circumstances beyond our reasonable control including: natural disasters; war, terrorism, civil unrest; government actions or regulations; labor disputes; utility failures; internet or telecommunications failures; or cyber attacks. The parties are independent contractors. This Agreement does not create a partnership, joint venture, employment, or agency relationship.

23.5 Third-Party Beneficiaries & Notices

This Agreement does not create rights for third parties except for Indemnified Parties under Section 19.

To You: Notices may be sent via email to your registered address, in-platform notifications, or physical mail to your registered address. Notices are deemed received: email (24 hours after sending), Platform (when posted), mail (5 business days after mailing).

To Us: Notices must be sent to: Zealper Corporation, Attn: Legal Department, 20 Bay Street, Suite 1100, Toronto, Ontario M5J 2N8, Canada, Email: help@mipropertyportal.com

23.6 Language, Headings & Interpretation

This Agreement is drafted in English. If translated, the English version controls in case of discrepancies. Section headings are for convenience only and do not affect interpretation. "Including" means "including but not limited to." Singular includes plural and vice versa. "Or" is not exclusive. Examples are illustrative, not exhaustive.

23.7 Survival

The following provisions survive termination of this Agreement or your account and remain in full force and effect indefinitely: Intellectual Property Rights (Section 16); Limitation of Liability (Section 18); Indemnification (Section 19); Dispute Resolution and Governing Law (Section 22); Data Retention (Section 21); Payment obligations incurred before termination; Warranty disclaimers; and Any provisions that by their nature should survive.

Survival Through Business Transfers: All provisions of this Agreement survive and remain enforceable through any Business Transfer including: limitation of liability protections; indemnification obligations; intellectual property ownership; dispute resolution mechanisms; warranty disclaimers; and data rights and licenses.

Protection of Predecessors: Upon any Business Transfer, all limitation of liability, indemnification, and other protective provisions shall extend to and benefit: Mi Property Portal and its shareholders; all predecessor entities; all affiliates and related parties; officers, directors, and employees of all such entities; and successors and assigns. Users waive any claims that protective provisions do not extend to predecessor entities or their shareholders following a Business Transfer.

Continuing Obligations: Your obligations under this Agreement continue in full force regardless of: termination of your account; sale or transfer of the business; discontinuation of Services; bankruptcy or insolvency proceedings; or changes in ownership or control.

Maximum Duration: To the fullest extent permitted by law, survival provisions shall remain in effect in perpetuity. Where law imposes limitations, they shall survive for the maximum duration permitted.

23.8 No Presumption & Government Users

Both parties have had opportunity to review and negotiate this Agreement. No ambiguity shall be construed against the drafting party. If you are a government entity, this Agreement complies with applicable procurement regulations, and you agree to the terms herein to the extent permitted by law.

23.9 Export Compliance

You agree to comply with all Canadian export control laws and regulations. You shall not export or re-export the Services or technical data to prohibited destinations or persons.

24. Contact Information

24.1 General Inquiries

For questions, concerns, or support: Email: help@mipropertyportal.com; Support Portal: https://support.mipropertyportal.com

24.2 Privacy Officer

For privacy questions, access or correction requests, or complaints, contact our Privacy Officer: Privacy Officer, Zealper Corporation, 20 Bay Street, Suite 1100, Toronto, Ontario M5J 2N8, Canada. Email: privacy@mipropertyportal.com

24.3 Legal Department

For legal notices or formal communications: Zealper Corporation, Attn: Legal Department, 20 Bay Street, Suite 1100, Toronto, Ontario M5J 2N8, Canada, Email: help@mipropertyportal.com

24.4 Complaints and Disputes

We are committed to resolving complaints fairly and promptly. If you have a complaint: (1) Contact our support team at help@mipropertyportal.com; (2) Provide detailed description of the issue; (3) We will acknowledge receipt within 2 business days; (4) We will investigate and respond within 30 days.

24.5 Office of the Privacy Commissioner

If you are unsatisfied with our response to a privacy complaint, you may file a complaint with: Office of the Privacy Commissioner of Canada, 30 Victoria Street, Gatineau, Quebec K1A 1H3, Toll-free: 1-800-282-1376, Website: www.priv.gc.ca

Acknowledgment & Acceptance

BY CLICKING "I AGREE," CHECKING THE ACCEPTANCE BOX, CREATING AN ACCOUNT, OR USING THE SERVICES, YOU ACKNOWLEDGE THAT:

1. You have read, understood, and agree to be bound by this Agreement
2. You have the legal capacity and authority to enter into this Agreement
3. You consent to electronic communications and signatures as described herein
4. You understand the billing, refund, and cancellation policies
5. You consent to data collection, use, and sharing as described in the Privacy Policy
6. You understand the limitations of liability and warranty disclaimers
7. You agree to indemnify Mi Property Portal as described herein
8. You agree to the governing law and jurisdiction provisions
9. You have had opportunity to seek legal advice before accepting
10. This Agreement constitutes a legally binding contract

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICES.

Special Notices