Terms of Service

1. Who we are and what this covers

LOONIELODGE (the "Service") is operated by LoonieLodge Inc. ("we", "us"). These Terms of Service (the "Terms") govern your access to and use of the Service. Our Privacy Policy is incorporated by reference.

By creating an account, checking the consent box at sign-up, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You must be a resident of Canada and at least the age of majority in your province or territory (18 or 19) to create an account. By registering you confirm that you meet these requirements. The Service is intended for personal use by mortgage holders and is not designed for cross-border or multi-currency mortgages.

3. The Service is information, not advice

LOONIELODGE is an informational and educational tool. It performs calculations on figures you provide and explains general concepts about Canadian mortgages. It does not provide, and must not be relied on as, licensed financial, mortgage, investment, tax, accounting, or legal advice, and it is not a substitute for advice from a licensed professional.

We are not a bank, lender, mortgage broker or brokerage, financial planner, or licensed advisor, and using the Service creates no such relationship. LLODGE and community forum are likewise informational only. Figures shown are estimates that depend on the accuracy of the data you enter; always confirm the numbers with your lender or a licensed professional before acting on them. Any decision you make is yours alone.

More precisely, and because the distinction is a licensing one: we are not a mortgage brokerage, mortgage broker, mortgage agent, mortgage lender or mortgage administrator, and we are not licensed or registered under Ontario's Mortgage Brokerages, Lenders and Administrators Act, 2006, British Columbia's Mortgage Services Act, Alberta's Real Estate Act, or Quebec's Act respecting the distribution of financial products and services. We do not arrange, negotiate, place, or administer mortgages, and we do not deal with any lender on your behalf.

Our only revenue is the subscription you pay us. We receive no commission, referral fee, finder's fee, trailer fee, or other remuneration from any lender, brokerage, insurer or other third party, and nothing we are paid depends on a mortgage being arranged, funded, renewed, switched or broken. Where a broker or other organization subscribes in order to manage clients' mortgages here, they pay us a periodic subscription priced on how many clients they manage — not on any transaction closing.

4. Your account and security

You are responsible for the information you enter, for keeping your credentials confidential, and for all activity under your account. We offer two-factor authentication and recommend enabling it. Tell us promptly if you suspect unauthorized access. You must not share your account, impersonate others, or misuse another person's data.

If your account or a mortgage was set up for you by a partner — a broker, advisor, or other organization using the Service on your behalf — that partner can always see that the mortgage exists, but reaches your financial figures, or acts on your file, only inside a window you approve and can end at any time from your settings; you may also ask to be released from their management altogether. Our Privacy Policy explains what they can see.

5. Plans, trials, billing, and cancellation

Creating an account is free, and an account can stay on the Free plan for as long as it is open. Free covers one mortgage and the tracking tools: payments, prepayments, rate history, property tax and the payoff projection. It does not include LLODGE, the what-if simulator and saved scenarios, or the other planning tools the pricing page marks as part of a paid plan. Nothing is ever charged on Free.

A new account starts with a free 15-day trial of the Investor plan, with no payment card, covering up to 2 mortgages and 25 LLODGE questions in total, unless an offer you accepted gives a longer trial. An account receives one trial. When it ends, nothing is charged and the account moves to the Free plan. Nothing you entered is deleted. If you hold more mortgages than Free covers, the one you most recently updated stays editable — you can choose a different one once every 30 days — and the others can still be viewed but not changed. Scenarios and plans you made with a paid tool are kept as they were, can be viewed but not run or changed, and become usable again when you buy a plan.

Two plans are for sale, Homeowner and Investor, and each is sold in two terms: an annual subscription and a monthly subscription. A plan is per account, not per mortgage, and covers every mortgage you track up to the limit shown before you buy. The price is in Canadian dollars, plus applicable taxes, and is disclosed to you — with the term, what the plan covers, whether it renews, and the cancellation and refund terms below — before you are charged. Prices may change, but a change never re-prices a subscription you have already bought. A subscription bought before 2026-10-08 keeps the terms it was bought under.

An annual or monthly subscription runs for an indeterminate term. It is not a fixed twelve-month or one-month commitment that rolls into a new one: it simply continues, and your payment method is charged the disclosed amount at the end of each billing period until you end it. You authorize those recurring charges. Moving from monthly to annual, or from Homeowner to Investor, takes effect immediately, with credit for the unused part of the current period. Moving from annual to monthly, or from Investor to Homeowner, takes effect at the end of the period you have already paid for, and never removes a mortgage you already track.

Before each renewal we send you written notice by email, stating the date and the amount that will be charged. For an annual subscription that notice goes out between 60 and 90 days beforehand; for a monthly one, about 10 days beforehand. Every notice carries a link that lets you either keep the subscription unchanged — which needs no action at all — or end it, with no fee, no telephone call, no questionnaire, and without signing in. That option is unconditional, and nothing in these Terms makes it depend on anything.

Within 15 days of the agreement to buy a subscription, we also email you a copy of the agreement, setting out the plan, the term, the price, the taxes, whether it renews, what it covers, and the cancellation and refund terms that were shown to you before you were charged.

Paid plans include a number of LLODGE questions, shown before you buy. A question is one message to LLODGE, or one step of describing a mortgage to the setup assistant. On an annual subscription, each year's questions are available from the start of that year; on a monthly subscription, each month's questions are available from the start of that month. Unused questions do not carry over, and additional questions cannot be bought. A question that fails, or gets no answer, is not counted. When you move to a larger plan, the difference is added immediately. Ask me, the help assistant, is not counted against your questions; it has a fair-use limit of 300 questions a month (100 on Free), well above ordinary use. If the cost of our AI features reaches our daily limit, we may pause them for everyone until the next day; a paused question is not counted.

You may cancel an annual or monthly subscription at any time from Settings › Billing, with no fee and no notice period. Fees already paid are not refunded — not your first payment, and not any renewal. Cancelling stops future renewals; your plan continues until the end of the period you have paid for, and the account then moves to the Free plan, with your data kept. If you close your account while a paid period is running, the time left is not refunded. This does not affect any non-waivable rights you have under applicable consumer-protection law, including those described in Section 15. Payments on the website are processed by Stripe; we do not store your full card details.

If you buy a plan inside the LOONIELODGE app on an iPhone or iPad, it is sold to you by Apple through the App Store, on Apple's Media Services Terms and Conditions, and Apple is the merchant of record. The same plans and terms, at the price Apple shows you before you confirm, cover the same mortgages on the website and in the app. Apple bills the renewals, and cancelling, switching and refunds are handled through Apple — cancel from your device's Settings under Subscriptions, and request a refund from Apple, whose refund rules apply in place of the paragraph above about fees already paid. We receive from Apple only a transaction identifier and the purchase's status, never your payment details. An account holds one renewing subscription at a time: if you already subscribe on the website, the app will not sell you a second one, and the reverse is also true.

If we are running a referral programme, you can invite others with a personal link. A reward is earned only when someone who is new to the Service signs up on your link and their first subscription payment has settled — a short hold after the charge, so a payment that is reversed does not earn a reward — and inviting someone is not enough on its own. The reward is extra capacity on your account: you may track more mortgages than your plan otherwise allows. It is not money, it does not reduce the price you pay, it has no cash value, and it cannot be transferred or refunded. It does not expire, and it stays with your account even if your plan ends. There is a limit on how many rewards you can earn in a year, and that figure is shown to you in the app. We may withhold or reverse a reward obtained through self-referral, duplicate or fake accounts, or any other abuse, and we may change or end the programme at any time — that will not take away capacity already granted.

6. Acceptable use and community

You agree not to misuse the Service, including by: breaking the law; infringing others' rights; uploading malware; attempting to access data that is not yours; scraping, overloading, or reverse-engineering the Service; or using it to provide regulated financial advice to third parties.

The community forum is a moderated space. You are responsible for what you post; do not post unlawful, misleading, harassing, or confidential third-party information, or anything presented as licensed financial advice. We may moderate, remove content, or suspend accounts that break these rules.

7. Your content

You keep ownership of the data you enter. You grant us a limited licence to store, process, and display that content solely to operate the Service for you. You are responsible for having the right to provide it, including any information about co-borrowers or other individuals.

8. Third-party services

The Service relies on third-party providers (for hosting, database, payments, email, and AI features) described in our Privacy Policy. We are not responsible for third-party services, your lender, or any external site we link to.

9. Intellectual property

The Service, including its software, engine, design, and content (other than your data), is owned by us or our licensors and protected by law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use it under these Terms. You may not copy, modify, or create derivative works from the Service except as permitted by law.

10. Disclaimers

The Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement, to the fullest extent permitted by law. We do not warrant that calculations, estimates, or explanations are error-free or suitable for your situation, or that the Service will be uninterrupted or secure.

11. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or financial loss arising from a mortgage or financial decision, even if advised of the possibility. To the extent liability cannot be excluded, our total aggregate liability for any claim relating to the Service is limited to the amount you paid us for the Service in the twelve months before the claim. Nothing in these Terms limits liability that cannot be limited under applicable law.

12. Indemnification

You agree to indemnify and hold us harmless from claims and costs arising out of your misuse of the Service, your content, or your breach of these Terms, to the extent permitted by law.

13. Suspension and termination

You may close your account at any time from your security settings. We may suspend or terminate access if you breach these Terms or to protect the Service or other users. On termination, your right to use the Service ends; data handling on closure is described in the Privacy Policy.

14. Changes to these Terms

We may update these Terms from time to time. If a change is material, we will take reasonable steps to notify you and, where appropriate, ask you to accept the updated version. Continued use after an update means you accept it.

15. Your rights as a consumer in Quebec and Ontario

Nothing in these Terms takes away a right you have under the consumer-protection law of your province, and where they conflict, that law wins. Two provinces are named here because their rules change specific sections above, and you should not have to work out which.

If you are a consumer resident in Quebec, the following apply. The legal warranties in sections 37 and 38 of the Consumer Protection Act cannot be excluded or limited, so Section 10 ("Disclaimers") does not reduce them. Section 10 of that Act prohibits a stipulation excluding or limiting a merchant's liability, so Section 11 ("Limitation of liability") does not apply to you at all. Article 3149 of the Civil Code of Québec entitles you to bring an action before a Quebec court no matter what Section 16 says about forum, and we will not ask any court to enforce that clause against you. Article 2125 of the Civil Code of Québec lets you unilaterally resiliate a contract for services at any time; cancelling from Settings › Billing, or writing to us, is one way to exercise that right, and nothing in Section 5 — including the statement that fees already paid are not refunded — restricts it or affects what Article 2129 entitles you to on resiliation.

If you are a consumer resident in Quebec, buying a plan here is also a distance contract under sections 54.1 to 54.16 of that Act. Those sections require us to disclose specified information to you before the contract is made — who we are and how to reach us, a detailed description of what the subscription covers, an itemized price in Canadian dollars, the billing period, and the cancellation, rescission, return, exchange and refund conditions — presented prominently, brought expressly to your attention, and in a form you can retain and print; and they require us to send you a copy of the contract afterwards. Section 54.8 gives you the right to cancel the contract if we do not: within seven days of receiving the copy, or within 30 days of the contract being made if we never sent one. Cancelling on that ground unwinds the contract and we return what you paid. That right is separate from, and additional to, the ordinary cancellation in Section 5, which is free at any time but does not return a payment already made.

If you are a consumer in Ontario, buying a plan here is an internet agreement under the Consumer Protection Act, 2002. Before you pay, and on one screen, we disclose who we are and how to reach us, what the subscription covers, the price and billing period in Canadian dollars plus applicable taxes, when access begins, how payment is taken, and the cancellation and refund terms. No payment is taken until you have expressly accepted those terms, and until then you can change your plan, correct anything, or leave without subscribing. Within 15 days of the agreement we email you a copy of it. If we fail to make those disclosures or to send that copy, the Act gives you the right to cancel — within seven days of receiving the copy, or within 30 days of entering the agreement if we never sent one — and to a refund.

16. Governing law

These Terms are governed by the laws of Ontario, Canada, without regard to conflict-of-laws rules, and you agree to the courts located there — subject to any mandatory consumer-protection rights in your home province, and in particular to Section 15, which sets out where that is not so.

17. Contact

Questions about these Terms: admin@loonielodge.com · LoonieLodge Inc., 2148 Carling Avenue, Unit #2, Suite 1031, Ottawa, ON K2A 1H1, Canada.