The rules for using OWN, kept short.

1. What OWN is

OWN brings your accounts into one place, reads the statements you upload, and lets you ask Atlas, our AI assistant, about your own numbers.

OWN Financial is not a registered dealer, adviser, or portfolio manager. OWN gives you information and tools for education and illustration. It is not financial, investment, tax, insurance or legal advice. OWN never moves your money or makes transactions for you. Check important decisions with a qualified professional.

2. Who can use OWN

• You live in Canada, and you've reached the age of majority in your province or territory.
• We can't open accounts in Quebec yet. Quebec law requires a French version of OWN, and it isn't ready.
• One person, one account, for your own finances.
• While OWN is in early access, sign-up is by invitation. Everyone else can join the waitlist.

3. Your account

• Give us accurate information, and keep it up to date.
• Keep your password private. Tell us right away at support@ownfinancial.ca if you think someone else got in.
• You're responsible for what happens in your account, unless it happened because of something we did wrong.

4. Linking your accounts

OWN links accounts through Plaid. When you link an account, you let OWN, through Plaid, read your balances, transactions and investments for you. You sign in with Plaid, not with OWN, and Plaid's own terms and privacy policy also apply to what you give it.

Every link is read-only. OWN can't move money, pay bills or place trades. You can unlink at any time in Settings.

Plaid and your financial institutions are not part of OWN. We can't promise they'll always be available or send complete, up-to-date information. Banks and brokerages named in OWN don't endorse it.

5. Plans and payment

• Solo plan: $10 a month, billed monthly through Stripe. Any sales tax is shown at checkout.
• Free trial: 14 days, no card needed. When it ends, nothing is charged. To keep using OWN, choose a plan. Until you do, OWN is paused.
• Beta accounts from an invite code are free.
• If a payment fails, OWN is paused until it's sorted out.
• To cancel, email support@ownfinancial.ca. Your plan runs to the end of the month you've paid for. Closing your account doesn't cancel a paid plan by itself, so email us too.
• Refunds: payments are not refundable, except where the law says they must be.
• If we change the price, we'll tell you before it applies to you.

While OWN is paused, you can still email privacy@ownfinancial.ca and we'll send you your data or delete it.

6. Your numbers and their limits

• OWN uses the information from your linked accounts, your uploads and your answers. If that information is missing, late or wrong, OWN's figures will be too.
• OWN updates when your accounts refresh. It does not watch your accounts around the clock.
• Estimates say they are estimates. They are not guarantees, and past results don't predict future ones.

7. Atlas and AI

• Atlas, document reading, Financial Health explanations and investment analysis use AI. AI can make mistakes. Check anything important.
• Atlas gives general information about your own numbers, not advice.
• Atlas has monthly usage limits.

8. Using OWN fairly

Use OWN only for your own finances. Don't misuse it: no breaking in, overloading it, copying it, reselling it, or using someone else's information without their permission.

9. Your content and ours

What you add to OWN stays yours. You let us store and process it only to run OWN for you, as our Privacy Policy explains.

OWN's software, design and name belong to OWN Financial Inc. You may use OWN, but not copy or reuse it.

10. Changes and ending

• OWN is new and will change. Features may be added, changed or removed. We'll give notice of changes that matter.
• If we change these terms in a way that matters, we'll tell you before the change applies. If you don't agree, you can close your account.
• You can close your account at any time in Settings.
• We may suspend or close an account that breaks these terms or puts others at risk. Where we can, we'll tell you why first.
• If we ever shut OWN down, we'll give you reasonable notice so you can download your data.

11. Responsibility

We work hard to keep OWN accurate and available, but we can't promise it will always be error-free or online.

As far as the law allows, OWN Financial Inc. is not responsible for losses from decisions you make using OWN. If we are responsible for a loss, our total responsibility is limited to the greater of what you paid us in the last 12 months or CAD $1,000.

None of this limits rights you have under consumer protection law, including the Ontario Consumer Protection Act, 2002 and Quebec's Consumer Protection Act, or any responsibility the law doesn't let us limit.

12. Disagreements

If something goes wrong, contact us first at support@ownfinancial.ca. Most problems get solved that way. Our complaints process explains what happens next.

These terms follow the laws of Ontario and of Canada, but you keep the protections of the province or territory you live in. You can go to the courts of Ontario, or to the courts where you live if your local law gives you that right.

You don't give up your right to go to court, and you don't give up your right to join a class action. You aren't required to use arbitration. If we both agree after a dispute starts, we can try mediation or arbitration instead.

13. The fine print

• Whole agreement: these terms and our Privacy Policy are the whole agreement between you and OWN about using OWN.
• If part doesn't apply: if a court finds part of these terms can't be enforced, the rest still applies.
• No waiver: if we don't enforce part of these terms right away, we can still enforce it later.
• Transfer: you can't transfer your account or these terms to someone else. If OWN is sold or merged, we may transfer them to the new owner, and we'll tell you first.
• Notices: we'll send notices to the email on your account. You can send yours to support@ownfinancial.ca.

Contact

OWN Financial Inc., Toronto, Ontario, Canada. support@ownfinancial.ca