1. General Provisions
These Terms of Use ("Terms") govern your access to and use of the website operated by EquityHub CA at equityhubca.com (the "Site"). EquityHub CA is an educational platform that publishes independent, data-driven guides about private real estate as an alternative asset class for Canadian retail investors. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of them, please do not use the Site.
2. Definitions
- "Site" means the website located at equityhubca.com, including all pages, content and forms.
- "Provider", "we", "us", "our" means EquityHub CA, the operator of the Site.
- "User", "you", "your" means any person who accesses or uses the Site.
- "Content" means all text, guides, market-data breakdowns, comparisons, images, graphics, logos and other materials made available on the Site.
- "Services" means the educational information, guides, calculators, illustrative tools and contact forms provided through the Site.
3. Educational Purpose and No Financial Advice
All Content and Services on the Site are provided strictly for general educational and informational purposes. EquityHub CA does not provide investment, financial, tax, accounting or legal advice, and nothing on the Site should be interpreted as a recommendation, solicitation or offer to buy or sell any security, real-estate interest or other financial product. Figures, calculators, charts and example opportunities presented on the Site are illustrative only, are not forecasts, and do not guarantee any outcome.
All investments carry risk, including the potential loss of principal. Private real estate in particular can be illiquid and may involve long holding periods. Past performance does not predict future results. Before making any investment decision, you should conduct your own research and consult a licensed financial advisor who can consider your individual circumstances.
4. Scope of Services
The Site offers plain-language explainers on how private real estate investing works, regional market-data overviews for markets such as Toronto, Vancouver and Calgary, property-type comparisons, holding-period and liquidity discussions, and structured risk disclosures. Through the Site you can read this educational material, use illustrative calculators, and submit a request-information or newsletter form so we can respond by email.
The Site does not provide online payments, brokerage accounts, portfolio management, a personal user account area, or the ability to purchase any investment. The only contact method we offer is email at info@equityhubca.com and the forms on the Site.
5. User Obligations
When you use the Site, you agree to:
- Provide accurate and truthful information when completing any form.
- Use the Site only for lawful purposes and in compliance with applicable Canadian federal and provincial laws.
- Refrain from any malicious activity, including spamming, attempting to gain unauthorised access, scraping, distributing malware, or interfering with the operation or security of the Site.
- Confirm that you are of the age of majority in your province or territory of residence, or that you have the consent of a parent or guardian.
- Avoid submitting content that is unlawful, defamatory, misleading, or that infringes the rights of any third party through our forms or messages.
You are solely responsible for any information you submit and for ensuring that it does not contain confidential financial account details, government identifiers or other sensitive data, which we neither require nor wish to receive. We reserve the right, at our sole discretion, to restrict or refuse access to the Site to any User who breaches these obligations, without prior notice and without liability.
6. Intellectual Property Rights
All Content on the Site, including text, guides, data presentations, images, design, layout and the EquityHub CA name and logo, is owned by or licensed to EquityHub CA and is protected by the Copyright Act (R.S.C., 1985, c. C-42) and other applicable laws. You may view and read the Content for your personal, non-commercial use. You may not copy, reproduce, republish, distribute, modify, or create derivative works from the Content without our prior written consent.
7. Privacy and Personal Information
Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use and protect personal information in accordance with Canada's PIPEDA. By using the Site and submitting any form, you acknowledge that you have read and understood our Privacy Policy and our Cookie Policy.
8. Limitation of Liability
The Site and all Content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. While we strive to keep our educational information accurate and current, we do not warrant that the Content is complete, error-free or up to date, or that the Site will be uninterrupted or secure. To the fullest extent permitted by law, EquityHub CA shall not be liable for any direct, indirect, incidental, consequential or special damages arising from your use of, or inability to use, the Site or any reliance on its Content, including any investment decisions you may make.
9. Third-Party Links
The Site may load external resources such as web fonts and may contain links to third-party websites for additional reading. These resources and sites are not under our control. We are not responsible for the content, accuracy or practices of any third-party website, and the inclusion of any link does not imply our endorsement.
10. Force Majeure
EquityHub CA shall not be held responsible for any failure or delay in performance caused by circumstances beyond our reasonable control, including but not limited to natural disasters, fire, flood, epidemics or pandemics, war, civil unrest, governmental action, power failures, internet or hosting outages, or other technical failures.
11. Changes to These Terms
We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date above and publish the revised Terms on the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.
12. Governing Law and Disputes
These Terms are governed by and construed in accordance with the laws of Canada and the laws of the applicable province or territory in which EquityHub CA operates, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts located in Canada. Where consumer-protection legislation applies, nothing in these Terms limits any rights you may have that cannot be waived under that legislation.
13. Contact
If you have any questions about these Terms, please contact us:
- Brand: EquityHub CA
- Website: equityhubca.com
- Email: info@equityhubca.com