Legal

Terms of Service

Brkrr Technologies Inc.  ·  Effective April 1, 2026

These Terms of Service ("Terms") govern your access to and use of the Brkrr platform operated by Brkrr Technologies Inc. ("Brkrr", "we", "us", or "our") at brkrr.ca. By creating an account or using the Platform you agree to be bound by these Terms.

1. Definitions

  • "Platform" means the Brkrr website at brkrr.ca and all related services
  • "Consumer" means a person using the Platform to search for or connect with mortgage agents
  • "Agent" means a licensed mortgage agent or broker who has claimed or registered a listing
  • "Listing" means a mortgage agent's profile page on the Platform
  • "Lead" means a consumer's enquiry submitted through the Platform and matched to one or more Agents
  • "Content" means any information, text, images, or data you submit to the Platform

2. Eligibility

You must be at least 18 years of age to use the Platform. Agents must hold a valid mortgage agent or broker licence issued by a Canadian provincial or territorial regulator. Misrepresenting your licensing status is grounds for immediate termination.

3. Accounts

3.1 Registration

To access certain features you must create an account using Google OAuth, LinkedIn OAuth, or an email magic link. You agree to provide accurate, current, and complete information and to keep it updated.

3.2 Account security

You are responsible for all activity that occurs under your account. Notify us immediately at support@brkrr.ca if you suspect unauthorized access.

3.3 One account per person

Each person may maintain only one account. Agents may not create consumer accounts to submit leads to themselves or manipulate the matching system.

4. Consumer Terms

4.1 Free service

The Platform is free to use for Consumers. We do not charge consumers for searching, viewing agent profiles, or submitting leads.

4.2 Lead submissions

When you submit a lead, your enquiry details are shared with up to three matched mortgage agents. You consent to being contacted by those agents in connection with your enquiry.

4.3 No financial advice

Brkrr is a directory service. We do not provide mortgage advice, financial advice, or any recommendation as to which agent or product you should choose. Your mortgage decisions are your own responsibility.

4.4 Agent independence

Agents listed on the Platform are independent licensed professionals. Brkrr is not a party to any mortgage transaction and does not guarantee the quality, suitability, or outcome of any agent's services.

5. Agent Terms

5.1 Eligibility and verification

To claim or register a listing, you must hold a valid mortgage agent or broker licence. You authorize Brkrr to verify your licence against the relevant provincial public registry at any time. You must complete identity verification through Persona before your listing goes live.

5.2 Accuracy of information

You are responsible for the accuracy of all information in your Listing. You must update your Listing promptly if any information changes.

5.3 Licence maintenance

You must maintain a valid licence throughout your use of the Platform. If your licence expires, is suspended, or is revoked, your Listing will be hidden automatically and you must notify us immediately. Brkrr checks licence status nightly against public registries.

5.4 Lead handling

Leads are provided on a non-exclusive basis. You must:

  • Respond to matched leads promptly and professionally
  • Not contact consumers for purposes unrelated to their stated mortgage enquiry
  • Comply with all applicable telemarketing and anti-spam laws
  • Not share consumer lead data with third parties without the consumer's consent

5.5 Reviews

You may not solicit reviews in exchange for compensation or any other benefit. Attempting to manipulate, fabricate, or remove legitimate reviews is grounds for immediate termination.

5.6 Free plan limits

The free Agent plan includes up to three matched leads per month. Additional leads require a Pro subscription. Brkrr reserves the right to adjust plan limits with 30 days' written notice.

6. Prohibited Conduct

  • Use the Platform for any unlawful purpose
  • Impersonate any person or entity or misrepresent your affiliation
  • Submit false, misleading, or fraudulent information
  • Circumvent, disable, or interfere with Platform security features
  • Scrape, crawl, or systematically extract data from the Platform without authorization
  • Use automated tools to submit leads, create accounts, or interact with the Platform
  • Send unsolicited commercial messages in violation of CASL

7. Intellectual Property

7.1 Brkrr's intellectual property

The Platform, including its design, software, trademarks, and content created by Brkrr, is owned by Brkrr Technologies Inc. and protected by Canadian and international intellectual property law.

7.2 Your content

You retain ownership of Content you submit. By submitting Content, you grant Brkrr a non-exclusive, royalty-free, worldwide licence to use, display, and distribute that Content on the Platform for the purpose of operating the service.

8. Subscriptions and Payments

Paid Agent subscriptions (Pro Plan) are billed monthly in Canadian dollars through Stripe. You may cancel at any time; cancellation takes effect at the end of the current billing period. We do not provide refunds for partial billing periods except where required by applicable consumer protection law. We reserve the right to change subscription prices with 30 days' prior notice.

9. Disclaimers

The Platform is provided "as is" and "as available" without warranties of any kind, express or implied. Brkrr does not warrant that the Platform will be uninterrupted or error-free, that any information on the Platform is accurate or current, or that leads matched through the Platform will result in a mortgage transaction.

10. Limitation of Liability

To the maximum extent permitted by applicable Canadian law, Brkrr and its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total aggregate liability shall not exceed the greater of: (a) the amount you paid to Brkrr in the twelve months preceding the claim; or (b) one hundred Canadian dollars ($100 CAD).

11. Indemnification

You agree to indemnify, defend, and hold harmless Brkrr and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or relating to your use of the Platform, your breach of these Terms, or your Content.

12. Termination

We may suspend or terminate your account at any time, with or without notice, for conduct that violates these Terms or applicable law. You may close your account at any time through your account settings.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. Any dispute shall be resolved through binding arbitration administered by the ADR Institute of Canada in Toronto, Ontario, unless you elect small claims court for claims within its jurisdiction.

14. General

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Brkrr regarding the Platform. We may modify these Terms at any time with 30 days' notice for material changes. Continued use after the effective date constitutes acceptance.

15. Contact

Last updated: April 1, 2026