Terms of Service

1. Acceptance

By creating an account or using the EstatePulse platform (“Platform”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Platform. These Terms form a binding agreement between you and EstatePulse Inc.(“EstatePulse”).

Important: EstatePulse is a technology platform, not a licensed real estate brokerage. We facilitate, but do not conduct, real estate transactions. All transactions are subject to applicable Ontario law, including the Real Estate and Business Brokers Act, 2002 (REBBA 2002) and the rules of the Real Estate Council of Ontario (RECO).

2. Eligibility

To use the Platform you must:

• Be at least 18 years of age
• Have legal capacity to enter contracts in Ontario, Canada
• Successfully complete our identity verification (KYC) process
• Provide accurate, current, and complete information
• Comply with all applicable Canadian federal and Ontario provincial laws

Certain Platform features are restricted to Canadian citizens, permanent residents, or other persons eligible to purchase residential property in Ontario under the Prohibition on the Purchase of Residential Property by Non-Canadians Act.

3. Identity Verification & KYC

You must complete identity verification before submitting offers or making deposits. You authorize EstatePulse and our KYC provider (Persona) to verify your identity against government databases and sanctions lists as required under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). Providing false identification is a criminal offence under Canadian law.

4. Offers and Transactions

Offers submitted through the Platform constitute binding legal offers under Ontario law when accepted by the seller. You acknowledge:

• An accepted Agreement of Purchase and Sale (APS) is a legally binding contract
• Conditions (financing, inspection, status certificate) must be satisfied or waived within the agreed timeframe
• Earnest money deposits are held in a regulated trust account and may be forfeited on default per the APS terms
• Pre-construction condo purchases are subject to a 10-day cooling-off period under the Condominium Act, 1998
• Non-resident buyers may be subject to the Non-Resident Speculation Tax (NRST) and must declare their status accurately

5. Escrow and Payments

Earnest money deposits are held in a trust account by an approved trust organization (law firm, trust company, or title agent) assigned to your transaction — not by EstatePulse directly. EstatePulse provides a ledger and coordination layer only. You authorize:

• Pre-Authorized Debit (PAD) draws from your verified bank account via Stripe for deposits
• The assigned trust organization to receive and hold funds in accordance with applicable trust accounting rules
• EstatePulse to update escrow records based on trust organization confirmations

PAD agreements are governed by the Canadian Payments Association Rule H1 and the terms of your specific PAD mandate, which will be presented to you at the time of the first draw.

6. Documents and Electronic Signatures

By signing documents through the Platform, you consent to electronic signatures in accordance with the Electronic Commerce Act, 2000 (Ontario). Electronic signatures have the same legal effect as handwritten signatures. You acknowledge that:

• You will be bound by documents you sign electronically
• Document access is logged for audit and evidentiary purposes
• Signed documents are retained as required by applicable law

7. Land Transfer Tax and Closing Costs

EstatePulse provides estimates of Ontario Land Transfer Tax, Toronto Municipal Land Transfer Tax, Non-Resident Speculation Tax, and HST (for new construction). These estimates are for informational purposes only. Actual closing costs must be confirmed by your lawyer. EstatePulse is not liable for any discrepancy between estimates and actual amounts.

8. Prohibited Conduct

You must not:

• Provide false or misleading information at any stage
• Circumvent the Foreign Buyer Ban or NRST through nominee arrangements
• Use the Platform for money laundering, fraud, or any illegal purpose
• Submit offers on behalf of another person without legal authority
• Attempt to access accounts or data belonging to other users
• Interfere with or disrupt the Platform's infrastructure

9. Disclaimer of Warranties

The Platform is provided “as is” and “as available.” EstatePulse makes no warranties, express or implied, regarding the accuracy of property information, market data, tax estimates, or legal document templates. Property information is provided by sellers and third parties; always conduct independent due diligence and consult a licensed real estate lawyer before closing.

10. Limitation of Liability

To the maximum extent permitted by Ontario law, EstatePulse's total liability for any claim arising from your use of the Platform shall not exceed the fees you paid to EstatePulse in the 12 months preceding the claim. EstatePulse is not liable for any indirect, incidental, special, or consequential damages, including lost profits or loss of a real estate transaction.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute shall be resolved in the courts of Toronto, Ontario, unless resolved through arbitration as agreed by the parties.

12. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated by email and in-app notice at least 30 days before taking effect. Continued use after changes take effect constitutes acceptance.

13. Contact

Questions about these Terms: legal@estatepulse.ca

These Terms are pending final legal review before production launch — do not treat as legal advice. Reviewed by EstatePulse Inc. on May 1, 2026.