Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website, platform, and services provided by OWNI.ai ("OWNI", "we", "our", or "us").

By accessing or using OWNI.ai, you agree to be bound by these Terms. If you do not agree with these Terms, you must not use the Services.

1. Description of the Service

OWNI.ai provides a technology platform designed to connect individuals who may wish to co-purchase residential real estate or investment properties.

The platform allows users to:

• Create profiles
• Indicate real estate purchasing goals
• Connect with potential co-purchasing partners
• Access educational resources and potential service providers

OWNI.ai does not provide real estate brokerage services, legal advice, mortgage lending, or financial advice.

OWNI.ai does not guarantee that any match will result in a successful real estate transaction.

2. Eligibility

To use OWNI.ai, you must:

• Be at least 18 years old
• Be legally capable of entering into binding agreements
• Provide accurate and truthful information when creating an account

We reserve the right to suspend or terminate accounts that provide false or misleading information.

3. User Accounts

To access certain features of the platform, users may be required to create an account.

You agree to:

• Maintain the confidentiality of your login credentials
• Provide accurate and up-to-date information
• Notify us immediately of any unauthorized account activity

OWNI.ai is not responsible for losses resulting from unauthorized use of your account.

4. Platform Matching Disclaimer

OWNI.ai facilitates introductions between individuals interested in real estate co-ownership.

However:

• OWNI.ai does not screen, verify, or guarantee the financial status, identity, intentions, or reliability of users.
• Any decision to enter into a real estate transaction with another user is made entirely at your own risk.
• Users are responsible for conducting their own due diligence before entering into any agreement.

OWNI.ai strongly recommends that users consult with licensed real estate professionals, mortgage brokers, lawyers, and financial advisors before completing any transaction.

5. No Financial, Legal, or Real Estate Advice

Information provided through the platform, website, or related communications is for informational purposes only.

OWNI.ai does not provide:

• Financial advice
• Investment advice
• Legal advice
• Mortgage advice
• Real estate brokerage services

Any decisions made based on information from the platform are solely the responsibility of the user.

5A. AI Disclaimer

OWNI uses artificial intelligence to generate matches, recommendations, and insights related to co-buying, properties, and potential opportunities.

These outputs are based on the information you provide and are intended for informational and educational purposes only.

OWNI's AI does not:

• Provide financial, legal, or real estate advice
• Guarantee the accuracy, completeness, or reliability of results
• Predict outcomes or ensure the success of any co-buying arrangement

Any decisions you make based on information provided by OWNI are made at your own discretion and risk.

We strongly recommend consulting with qualified professionals (such as mortgage advisors, real estate agents, or legal professionals) before making any financial or contractual decisions.

6. Third-Party Services

The platform may introduce users to third-party service providers, including but not limited to:

• Mortgage lenders or brokers
• Real estate agents
• Lawyers
• Financial professionals
• Property management providers

OWNI.ai does not control and is not responsible for the services, advice, or conduct of these third parties.

Any engagement with third-party providers is at the user's own discretion and risk.

7. User Conduct

When using OWNI.ai, you agree not to:

• Provide false or misleading information
• Use the platform for fraudulent purposes
• Harass, threaten, or harm other users
• Attempt to access accounts that do not belong to you
• Use automated systems to scrape or collect data
• Interfere with the operation of the platform

We reserve the right to remove users who violate these rules.

8. Intellectual Property

All content on OWNI.ai, including:

• Logos
• Branding
• Platform design
• Text
• Graphics
• Software

is the property of OWNI.ai or its licensors and is protected by intellectual property laws.

Users may not reproduce, distribute, or exploit any content without written permission.

9. Limitation of Liability

To the maximum extent permitted by law, OWNI.ai and its founders, employees, affiliates, and partners shall not be liable for:

• Any financial loss related to real estate transactions
• Disputes between users
• Misrepresentations made by other users
• Failed real estate transactions
• Loss of investment capital
• Property disputes
• Indirect or consequential damages

OWNI.ai functions solely as a technology platform facilitating introductions between users.

10. No Guarantee of Results

OWNI.ai does not guarantee:

• Successful co-purchasing matches
• Real estate transaction outcomes
• Investment returns
• Mortgage approval
• Property availability

Real estate purchases involve significant financial risk and market uncertainty.

11. Account Suspension or Termination

We reserve the right to suspend or terminate accounts at our discretion if:

• Users violate these Terms
• Fraudulent or suspicious activity is detected
• The platform is being misused

Users may also close their accounts at any time.

12. Indemnification

You agree to indemnify and hold harmless OWNI.ai and its affiliates from any claims, liabilities, damages, or expenses arising from:

• Your use of the platform
• Your interactions with other users
• Any agreements or transactions entered into through the platform
• Violations of these Terms

13. Modifications to the Service

OWNI.ai reserves the right to modify, suspend, or discontinue any part of the platform at any time without notice.

14. Changes to These Terms

We may update these Terms periodically.

Updated Terms will be posted on the website with the revised "Last Updated" date. Continued use of the platform constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of Canada and the Province of Quebec, without regard to conflict of law principles.

Any disputes arising from the use of the platform will be subject to the jurisdiction of the courts of Quebec.

16. Contact Information

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