Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing, or using any portion of the MyRavex platform (the "Service"), you ("User" or "you") agree to be bound by these Terms and Conditions (the "Terms"). If you do not agree to these Terms, you must immediately discontinue use of the Service. These Terms form a legally binding agreement between you and MyRavex Inc. ("MyRavex," "Company," "we," "us," or "our").

Electronic signature. By clicking "I agree," checking an acceptance box, signing up, or otherwise indicating assent through the Service, you consent to transact electronically and acknowledge that your electronic acceptance has the same legal effect as a handwritten signature under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.), the Uniform Electronic Transactions Act (UETA) as adopted in your state, and the Electronic Commerce Act, 2000 (Ontario) and equivalent provincial legislation across Canada.

You may withdraw consent to transact electronically only by closing your account; you cannot use the Service without that consent.

2. Definitions

• ▸Service: the MyRavex web application, mobile applications, APIs, cron jobs, public portals (quotes/invoices), email and SMS messaging features, and any related software or documentation we make available.
• ▸User: any individual or legal entity that creates a MyRavex account, including the account owner (the "Contractor") and any team member, employee, or delegated user invited to access the account.
• ▸Contractor: the User who owns the account and operates a home-services business using the Service.
• ▸Client: the end-customer of a Contractor who receives a quote, invoice, booking, or service through the Service. Clients are not parties to these Terms; their relationship is with the Contractor.
• ▸Content: all data, text, images, files, messages, templates, business information, client information, and other materials a User uploads to, generates within, or transmits through the Service.
• ▸Subscription: the paid or trial plan governing a Contractor's access to the Service, as set out in section 9.
• ▸Effective Date: the date this version of the Terms came into force, shown at the top of this page.

3. Eligibility

You may use the Service only if you (a) are at least 18 years of age, (b) have the legal capacity to enter into a binding contract in your jurisdiction, and (c) are not barred from receiving services under the laws of Canada, the United States, or any other applicable jurisdiction.

Sanctions screening. You represent and warrant that you are not, and you are not owned or controlled by a person or entity that is: (i) named on any list maintained by the U.S. Office of Foreign Assets Control (OFAC), including the Specially Designated Nationals and Blocked Persons List; (ii) named on Canada's Consolidated Canadian Autonomous Sanctions List; (iii) located, organised, or resident in a country or territory subject to comprehensive sanctions; or (iv) otherwise the target of any economic sanctions program.

If your status changes such that this representation is no longer true, you must notify us at legal@myravex.com and stop using the Service immediately.

4. Nature of Service — Management Tool Only

• ▸No Tax Advice: Nothing within the Service constitutes tax advice. MyRavex does not compute, verify, file, or guarantee the accuracy of any tax calculations. Tax rates displayed are provided for reference only and may not reflect current applicable law in your jurisdiction.
• ▸No Audit or Reporting: MyRavex does not report, transmit, or disclose your income, invoices, client data, or financial transactions to any government agency, including but not limited to the Canada Revenue Agency (CRA), the Internal Revenue Service (IRS), Revenu Québec, or any state, provincial, or municipal tax authority.
• ▸No Legal Advice: MyRavex does not provide legal counsel. No content, template, terms-and-conditions pack, or document generated by the platform constitutes legal advice or creates an attorney-client relationship. You are responsible for having any legal document reviewed by qualified counsel before relying on it.
• ▸No Accounting Service: The Service is not a substitute for a bookkeeper, accountant, or registered tax professional. Use the Service as a record-keeping aid only.

5. Account Registration

To use the Service you must register an account. You agree to:

• ▸Provide accurate, current, and complete information during registration and keep it updated.
• ▸Maintain only one account per legal entity (sole proprietorship, partnership, corporation). Operating multiple accounts to circumvent plan limits, free trial restrictions, or suspensions is prohibited.
• ▸Keep your password and any access tokens confidential. You are solely responsible for all activity that occurs under your account, whether authorised by you or not.
• ▸Notify us at security@myravex.com within 72 hours of becoming aware of any unauthorised use of, or security breach involving, your account credentials.

We may refuse registration, suspend, or terminate any account that contains false, incomplete, or misleading information.

6. User Responsibilities — Legal, Tax, and Compliance Obligations

You acknowledge and agree that you are solely and exclusively responsible for all of the following:

• ▸Business Registration & Licensing: Registering, licensing, and maintaining your business and any required trade licences in compliance with all federal, provincial, state, and municipal laws applicable to your operation.
• ▸Tax Collection: Determining whether you are legally required to collect, remit, and report sales tax, GST, HST, PST, QST, VAT, or any other applicable tax. The Service's tax calculator is a convenience feature only; you must verify all tax obligations with a qualified accountant or tax professional.
• ▸Tax Filing and Remittance: Filing all required tax returns and remitting all taxes collected from Clients to the appropriate government authorities by the legally required deadlines.
• ▸Income Declaration: Declaring all income — including cash, e-Transfer, cheque, electronic transfer, and any other form of payment — to the relevant tax authority. The Service's "Cash Payment" or offline-payment features do not exempt you from income reporting obligations.
• ▸Insurance & Permits: Obtaining and maintaining all required liability insurance, workers' compensation coverage, bonds, and municipal permits required to perform the services you offer.
• ▸Contractor Classification Compliance: Ensuring that your engagement of any helper, sub-trade, or crew complies with applicable employment and independent-contractor classification laws (including, in the U.S., the ABC test where it applies, and in Canada the CRA / provincial control-and-integration tests).
• ▸Anti-Discrimination & Consumer Protection: Complying with all anti-discrimination laws, fair-housing laws, and consumer-protection laws applicable to your trade, including provincial Consumer Protection Acts and U.S. state consumer-protection statutes.
• ▸Client Communications Compliance: Obtaining all required consents and complying with all anti-spam and telemarketing laws when using the Service to email or text your Clients, including the U.S. CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), Canada's Anti-Spam Legislation (CASL), and any state or provincial Do-Not-Call rules. You acknowledge that any messages the Service sends to Clients on your behalf are sent by you, not by MyRavex.

MyRavex expressly disclaims all liability for any penalties, interest, fines, legal proceedings, or other consequences arising from your failure to comply with the obligations in this section.

7. Acceptable Use Policy

You agree not to, and not to permit any third party to:

• ✗Use the Service for any unlawful, fraudulent, deceptive, or misleading purpose, including invoicing for services not rendered or misrepresenting the identity of the Contractor or Client.
• ✗Send unsolicited commercial messages (spam), bulk-import non-consenting contacts, or otherwise violate CASL, CAN-SPAM, or TCPA.
• ✗Scrape, crawl, harvest, index, mirror, or otherwise extract data from the Service using automated means, except where expressly permitted via documented API endpoints.
• ✗Upload or transmit any content that is adult-oriented, sexually explicit, hateful, discriminatory, harassing, threatening, defamatory, or that promotes violence.
• ✗Distribute viruses, worms, ransomware, trojan horses, or any other malicious code; probe, scan, or test the vulnerability of the Service without our prior written consent.
• ✗Reverse-engineer, decompile, disassemble, or attempt to derive the source code of any part of the Service, except to the extent applicable law prohibits this restriction.
• ✗Sublicense, resell, rent, lease, white-label, or otherwise commercially exploit the Service or any portion of it without our prior written permission.
• ✗Use the Service to compete with MyRavex, including building a substantially similar product or training a machine-learning model on Content not your own.

8. Payment Processing

Online card payments collected from your Clients are processed by Stripe, Inc. and its affiliates ("Stripe"), including via Stripe Connect for funds settling to your connected account. MyRavex does not store full card numbers, CVVs, or bank credentials. By using the payments features you also agree to the Stripe Services Agreement and the Stripe Connected Account Agreement.

Manual payment records (cash, e-Transfer, Zelle, Venmo, cheque, bank transfer, etc.) entered into the platform are solely for your own record-keeping. MyRavex does not verify, validate, settle, or process these payments and assumes no responsibility for their accuracy, completeness, or the underlying funds movement.

Stripe may withhold, freeze, or reverse funds in accordance with its risk and chargeback policies. MyRavex is not a party to such decisions and has no authority to override them.

9. Subscription Plans and Billing

MyRavex offers subscription plans (currently "Basic," "Pro," and "Ultra") billed monthly or annually. Plan features, prices, and limits are described on the pricing page and may evolve over time.

Free trial. New accounts may receive a 30-day free trial of a paid plan. At trial end your account automatically converts to the plan selected at signup unless you cancel beforehand. Trials are limited to one per Contractor and per payment method.

Auto-renewal. Paid subscriptions renew automatically at the start of each billing cycle until cancelled. You may cancel at any time from Settings → Plan & Billing; cancellation takes effect at the end of the current cycle.

Refunds. Except where required by applicable consumer-protection law, subscription fees are non-refundable. We will refund or credit subscription fees in the following limited cases: (i) provable billing errors made by us; (ii) duplicate charges; (iii) confirmed fraud on the payment method; (iv) where local law mandates a cooling-off period. Refund requests must be sent to support@myravex.com within 30 days of the charge.

Plan changes. Upgrades take effect immediately with a prorated charge for the remainder of the current cycle. Downgrades take effect at the end of the current cycle; downgrading may reduce available features or data limits — it is your responsibility to export data before the change becomes effective.

Pricing changes. We may change subscription prices on at least 30 days' advance notice by email or in-app notification. Continued use after the new price takes effect constitutes acceptance; otherwise you may cancel before the change takes effect.

10. Beta and Experimental Features

We may, from time to time, label a feature as "beta," "preview," "experimental," or otherwise make it available on a limited basis. Beta features are provided as-is, may change, malfunction, lose data, or be discontinued without prior notice, and carry no service level commitment. You use beta features at your own risk and accept that they are not suitable for production-critical workflows.

11. Third-Party Services

The Service is delivered with the help of third-party providers. Their terms apply in addition to ours, and we are not responsible for their independent acts, omissions, or downtime:

• ▸Stripe (payments & Connect): processes online card payments and platform subscription billing. See the Stripe Services Agreement.
• ▸SendGrid / Twilio SendGrid (email): delivers transactional and notification emails on our behalf. See the Twilio terms.
• ▸Twilio (SMS): delivers SMS messages to Clients. SMS-rate, compliance, and content policies apply.
• ▸Supabase (database, auth, storage): hosts your data, manages authentication tokens, and stores uploaded files. See the Supabase terms.
• ▸Vercel (hosting): serves the web application and runs server functions and cron jobs. See the Vercel terms.
• ▸Google services (analytics, calendar, OAuth where applicable): used for product analytics and optional integrations. Google's own terms govern these services.
• ▸OpenAI / Anthropic (AI features): power the AI assistant, AI insights, and content suggestions. Prompts and limited context may be transmitted to these providers and are governed by their respective enterprise terms.

12. Data Ownership and Privacy

You retain full ownership of all Content you input into MyRavex, including client records, invoices, quotes, photos, and financial data. We do not sell your data to third parties.

You grant MyRavex a worldwide, royalty-free, non-exclusive licence to host, copy, transmit, display, and process your Content solely to the extent necessary to provide the Service to you, to comply with law, and (in aggregated, de-identified form) to improve and operate the platform.

Upon account deletion, your data will be permanently removed within 30 days, except billing and tax records that we are required to retain for compliance purposes (typically 7 years). Please review our Privacy Policy for full details on data handling.

13. Data Breach Notification

If we become aware of a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to personal information that we hold about you or your Clients, and the breach creates a real risk of significant harm, we will:

• ▸Notify affected Users without undue delay and, in any event, within 72 hours of confirming the breach.
• ▸Provide a description of the nature of the breach, the categories and approximate number of records concerned, the likely consequences, and the measures we have taken or propose to take.
• ▸Notify the Office of the Privacy Commissioner of Canada (OPC) and any other regulator where required by PIPEDA, provincial privacy law, U.S. state breach-notification statutes, or other applicable law.

You agree to cooperate reasonably with us during any breach investigation and to refrain from publicly disclosing breach details before we have completed regulator notifications, except as required by law.

14. DMCA & Copyright Takedown

MyRavex respects intellectual property rights. If you believe that any content on the Service infringes your copyright, you may send a notice under the U.S. Digital Millennium Copyright Act (17 U.S.C. § 512) — or an equivalent Canadian notice-and-notice request under section 41.25 of the Copyright Act — to our designated agent:

Designated DMCA Agent
MyRavex Inc., Attn: DMCA Agent
169 Greer Street, Lower Unit, Barrie, ON L9J 0R7, Canada
Email: legal@myravex.com

Your notice must include: (a) a physical or electronic signature of the rights owner or authorised agent; (b) identification of the work claimed to be infringed; (c) identification of the allegedly infringing material with enough detail to locate it; (d) your contact information; (e) a statement of good-faith belief that the use is not authorised; and (f) a statement, under penalty of perjury, that the information is accurate and that you are authorised to act.

Counter-notice. If you believe your content was removed in error, you may submit a counter-notice to the same address.

Repeat infringers. We will terminate, in appropriate circumstances, the accounts of Users who are determined to be repeat infringers.

15. Intellectual Property

All right, title, and interest in and to the Service — including the software, design, text, graphics, logos, trademarks, layouts, source code, AI prompts, templates, and documentation — are owned by or licensed to MyRavex and are protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for the internal business purposes of your Contractor account during the term of your Subscription. You may not copy, modify, distribute, publicly display, create derivative works of, or sell any part of the Service except as expressly permitted by these Terms or by applicable law.

16. Independent Contractor Relationship

Nothing in these Terms creates any employment, partnership, joint venture, franchise, sales representative, agency, or fiduciary relationship between you and MyRavex. You are an independent business operating your own Contractor enterprise. Neither party has authority to bind the other or to incur obligations on the other's behalf.

17. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MYRAVEX AND ITS LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT DATA WILL BE PRESERVED OR THAT BACKUPS WILL BE AVAILABLE. WE DO NOT PROVIDE ANY UPTIME, AVAILABILITY, OR RESPONSE-TIME COMMITMENT (NO SLA) UNLESS WE EXPRESSLY AGREE TO ONE IN A SIGNED WRITING.

18. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MYRAVEX, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION:

• ✗Tax penalties, interest, fines, or audit costs resulting from incorrect tax calculations, unreported income, or any User's non-compliance with tax law;
• ✗Loss of business, revenue, profits, opportunity, anticipated savings, or goodwill;
• ✗Loss, corruption, or unauthorised access to data, however caused;
• ✗Regulatory sanctions, investigations, or enforcement actions arising from your use of the Service;
• ✗Disputes between you and your Clients, sub-trades, employees, suppliers, or any third party;
• ✗Service interruptions, delays, downtime, scheduled maintenance, or third-party outages.

Aggregate cap. Our total cumulative liability to you for any and all claims arising under or relating to these Terms shall not exceed the greater of (a) the total Subscription fees paid by you to MyRavex during the twelve (12) months immediately preceding the event giving rise to the claim, or (b) CAD $100.

The limitations in this section apply whether the alleged liability is based on contract, tort, negligence, strict liability, statute, or any other theory, and even if MyRavex has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain damages; in those jurisdictions our liability is limited to the maximum extent permitted by law.

19. Indemnification

You agree to indemnify, defend, and hold harmless MyRavex and its officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees on a solicitor-and-own-client basis) arising out of or related to: (a) your use of, or inability to use, the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation, including tax, employment, anti-spam, consumer-protection, or licensing laws; (d) any dispute between you and a third party, including your Clients, sub-trades, or employees; (e) any Content you upload, transmit, or generate through the Service; or (f) your gross negligence or wilful misconduct.

This indemnity does not apply to claims caused by the wilful misconduct or gross negligence of MyRavex itself, and does not require you to indemnify us for any liability that, by applicable law, may not lawfully be shifted.

20. Account Suspension and Termination

You may cancel your account at any time from Settings → Plan & Billing. We may suspend or terminate your account, with or without prior notice, for any of the following:

• ▸Material breach of these Terms (including section 7, Acceptable Use);
• ▸Fraud, payment-card chargebacks, suspected money laundering, or other suspicious financial activity;
• ▸Non-payment of Subscription fees;
• ▸Use of the Service for illegal purposes, or violation of OFAC, Canadian sanctions, or any equivalent sanctions program;
• ▸Court order, regulator order, or government request that legally requires us to do so;
• ▸Discontinuation of the Service in whole or in a particular geography (with at least 60 days' notice where practical).

Where practical we will provide written notice and an opportunity to cure before suspending or terminating. For fraud, security incidents, or active sanctions violations, suspension is immediate and notice may be given afterwards.

Survival. Sections 6 (User Responsibilities), 12 (Data Ownership), 13 (Breach), 14 (DMCA), 15 (IP), 16 (Independent Contractor), 17 (Disclaimer), 18 (Liability), 19 (Indemnification), 21 (Force Majeure), 22 (Dispute Resolution), and 23 (General Provisions) survive termination of these Terms.

21. Force Majeure

MyRavex shall not be liable for any failure or delay in performance caused by events beyond its reasonable control, including without limitation: natural disasters (earthquake, flood, wildfire, severe storm); war, terrorism, civil disturbance, insurrection, or sabotage; acts or orders of any government or regulator; pandemic, epidemic, or quarantine; labour stoppages; failures of the public internet, telecommunications, or power utilities; cyber-attacks (including DDoS and ransomware) against MyRavex or its providers; and failures, outages, or service-level events at third-party providers such as Vercel, Stripe, Supabase, SendGrid, or Twilio.

22. Dispute Resolution and Class Action Waiver

22.1 Informal resolution. Before initiating any formal proceeding, the parties agree to attempt in good faith to resolve any dispute by negotiation. You must first send a written notice describing the dispute to legal@myravex.com. The parties will then have 60 days from the date of that notice to attempt resolution.

22.2 Binding arbitration. If the dispute is not resolved within the informal period, the dispute shall be finally resolved by binding arbitration administered in Toronto, Ontario, Canada by the ADR Institute of Canada under its Arbitration Rules in effect at the time. The arbitration shall be conducted in English by a single arbitrator. Judgment on the award may be entered in any court of competent jurisdiction.

22.3 Class action waiver. You and MyRavex each agree to bring any dispute on an individual basis only and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

22.4 Jury trial waiver. To the fullest extent permitted by applicable law, you and MyRavex each waive any right to trial by jury in any proceeding arising out of or relating to these Terms.

22.5 Small claims carve-out. Notwithstanding the foregoing, either party may bring an individual action in the small claims court of competent jurisdiction for claims that fall within that court's monetary limit (typically under CAD/USD $5,000 or the local equivalent), provided the action remains in that court and is not consolidated.

22.6 Injunctive relief. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property rights or confidential information pending arbitration.

23. General Provisions

• ▸Governing law. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
• ▸Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to be enforceable, and the remaining provisions shall continue in full force.
• ▸Entire agreement. These Terms, together with the Privacy Policy and any order forms or written addenda signed by both parties, constitute the entire agreement between you and MyRavex with respect to the Service and supersede all prior or contemporaneous understandings.
• ▸No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later. Any waiver must be in writing to be effective.
• ▸Assignment. You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent; any attempt to do so without consent is void. MyRavex may assign these Terms freely, including in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of its assets.
• ▸Notices. Notices to you may be given by email to the address registered on your account or by posting in the Service; you agree such notices are deemed delivered when sent. Notices to MyRavex must be sent to legal@myravex.com with a copy to the address in section 25.
• ▸Headings. Section headings are for convenience only and do not affect interpretation.
• ▸Language. The English-language version of these Terms is the controlling version. Spanish and French translations, where provided, are for convenience only; in the event of any inconsistency, the English version prevails.
• ▸No third-party beneficiaries. Except for the indemnified parties under section 19, these Terms do not confer any rights on any third party.

24. Changes to These Terms

We may modify these Terms from time to time. For material changes we will provide at least 30 days' advance notice by email or in-app notification, and we will update the version number and effective date at the top of this page. Continued use of the Service after the effective date constitutes your acceptance of the revised Terms.

If you do not agree to a revised version, your sole remedy is to stop using the Service and close your account before the revised Terms take effect. Non-material changes (typos, clarifications, link updates) may be made without prior notice.

25. Contact Information

For questions, notices, or legal correspondence regarding these Terms, contact us at:

MyRavex Inc.
169 Greer Street, Lower Unit
Barrie, ON L9J 0R7, Canada
Legal: legal@myravex.com
Support: support@myravex.com
Privacy: privacy@myravex.com
Security: security@myravex.com