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Terms of Service

Effective September 30, 2026

These Terms of Service ("Terms") are an agreement between you and NEMAPP FINANCIAL ULC ("NEMAPP", "we", "us"), the company that operates PropVision. They cover the PropVision website (propvision.app and propvision.us), the web app, the PropVision AI iPhone app, and any related services (together, the "Service"). By creating an account, starting a trial, subscribing, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Who can use PropVision

You must be at least 18 years old (or the age of majority where you live) and able to enter a binding contract. If you use the Service for a company or other organization, you confirm that you are authorized to accept these Terms on its behalf, and "you" includes that organization.

2. Your account

  • You are responsible for keeping your login details confidential and for everything that happens under your account.
  • Give us accurate information, including a working email address. Your email address identifies your account and your subscription.
  • Tell us promptly at the address in section 16 if you believe your account has been accessed without your permission.

3. What PropVision does

PropVision produces automated, AI-generated analyses of real estate: estimated values and rents, cap rates, cash flow, short-term rental estimates, market summaries, scores and verdicts. It builds these from the address and details you enter, third-party property and market data, public information, and AI models. Features and usage limits depend on your plan and are described on the pricing page. We may change, add or remove features over time.

Not investment, appraisal, financial, tax or legal advice. PropVision's outputs are estimates for general information only. They can be wrong, incomplete or out of date, and AI-generated text can contain errors. They are not an appraisal, a broker price opinion, a home inspection, or a recommendation to buy, sell, rent or finance any property, and they must not be used in place of one (including for lending decisions). NEMAPP is not a licensed real estate broker, appraiser, financial adviser, lawyer or tax adviser. Always verify the numbers yourself and consult qualified, licensed professionals before making any real estate or financial decision. You are solely responsible for the decisions you make.

4. Plans, prices and payment

  • Free plan. A limited number of analyses per month at no charge. No payment details are required.
  • Paid plans. Pro is US$12.99 per month or US$129.99 per year. Business is US$29.99 per month or US$299.99 per year. Prices on the website are in US dollars.
  • Where you subscribe determines who bills you. Subscriptions bought on the website are billed by our payment processor, Stripe. Subscriptions bought in the iPhone app are billed by Apple through your Apple ID, in the local currency and price Apple shows for your country or region (for example, Canadian dollars in Canada), which is displayed before you confirm.
  • Prices do not include taxes unless stated. Applicable sales tax, GST/HST, PST, QST or VAT may be added at checkout.
  • You authorize us (through Stripe) or Apple to charge your payment method for the subscription fee, any applicable taxes, and each renewal until you cancel.

5. Automatic renewal

Paid plans are subscriptions that renew automatically at the end of each billing period (monthly or yearly, as you choose) at the then-current price, and your payment method is charged for each renewal, until you cancel.

  • Web (Stripe): each renewal is charged on the renewal date.
  • iPhone (Apple): payment is charged to your Apple ID when you confirm the purchase (or, if you start a free trial, when the trial ends). Your subscription renews unless auto-renew is turned off at least 24 hours before the end of the current period, and your Apple ID is charged for the renewal within the 24 hours before the period ends.

If we change the price of a plan, we will tell you in advance by email or in the app, and the new price applies from your next renewal after the notice. On iPhone, Apple may also ask you to agree to a price increase before it applies. If you do not want to pay the new price, cancel before your next renewal.

6. The 7-day free trial

  • New subscribers to Pro or Business get a 7-day free trial. Trials are limited to one per person, per account, email address, payment method and Apple ID. We may decline a trial if we reasonably believe it is not a first trial.
  • Web: you enter a card when you start the trial. Nothing is charged during the 7 days. On day 8 your card is charged the full price of the plan and billing period you chose, and the subscription then renews automatically as described in section 5.
  • iPhone: Apple charges your Apple ID the full subscription price when the trial ends unless you cancel at least 24 hours before it ends.
  • To avoid being charged, cancel before the trial ends (for iPhone, at least 24 hours before). You keep access until the end of the trial.

7. How to cancel

  • Web subscriptions: go to propvision.app/billing, enter your account email, and Stripe will email you a one-time sign-in code for the billing portal. There you can cancel, switch plans, update your card and download invoices. You can also email us and we will cancel it for you.
  • iPhone subscriptions: open Settings on your iPhone, tap your name, then Subscriptions, then PropVision AI, and tap Cancel Subscription. Apple manages these subscriptions; we cannot cancel them for you. Deleting the app does not cancel the subscription.

Cancellation takes effect at the end of the current trial or paid period. You keep paid access until then, and you are not charged again. After that, your account moves to the Free plan.

8. Refunds

  • iPhone (Apple): all charges are handled by Apple, and refund requests must be made to Apple at reportaproblem.apple.com under Apple's refund policies. We cannot issue refunds for App Store purchases.
  • Web (Stripe): except where the law requires otherwise, fees already charged are non-refundable, and we do not give refunds or credits for partial billing periods or unused analyses. If you were charged in error, or charged for a renewal you did not intend and have not used the paid features since, email us within 14 days of the charge and we will review it in good faith. Nothing in these Terms limits any refund or cancellation right you have under consumer protection law where you live.

9. Failed payments

If a renewal payment fails, Stripe or Apple may retry it for a limited period, during which we may keep your paid access active. If payment still cannot be collected, your subscription ends and your account moves to the Free plan.

10. Acceptable use

You agree not to, and not to help anyone else to:

  • use the Service in violation of any law, including fair housing, anti-discrimination, privacy, consumer protection and real estate licensing laws;
  • use the Service or its outputs to discriminate against anyone on the basis of a protected characteristic;
  • scrape, crawl or bulk-download the Service or its data, or use automated means to access it except through an API we provide to your plan;
  • resell, sublicense or redistribute the Service or its underlying third-party data, or use it to build a competing product or dataset;
  • share one account among multiple people beyond what your plan allows, or create multiple accounts to get around usage limits or trial rules;
  • probe, attack, overload or disrupt the Service, or bypass its security, rate limits or plan restrictions;
  • submit content that is unlawful, infringing or harmful, or that includes other people's personal information without the right to share it; or
  • reverse engineer the Service except where the law expressly allows it.

We may suspend or terminate access for violations, fraud, abuse or non-payment.

11. Your content and our content

You keep ownership of what you enter (addresses, notes, questions). You give us permission to use it to run, secure and improve the Service, including sending it to the service providers listed in our Privacy Policy. We and our licensors own the Service, its software, design and brand, and the underlying third-party data. Subject to these Terms, you may use the reports you generate for your own personal or internal business purposes, including sharing them with your clients, lenders or advisers, as long as you do not present them as an appraisal or as professional advice.

12. Third-party data and services

The Service relies on third parties (for example property data, AI models, payments and hosting). We do not control and are not responsible for their accuracy, availability or terms. Your use of the App Store and Apple payments is also subject to Apple's terms, and web payments to Stripe's terms.

13. Disclaimers

To the fullest extent permitted by law, the Service and all outputs are provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or that the Service will be uninterrupted or error-free. Some jurisdictions do not allow certain warranty exclusions, so some of these may not apply to you.

14. Limitation of liability

To the fullest extent permitted by law: (a) NEMAPP, its directors, employees and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, investment returns, data, goodwill or business opportunity, or for any decision you make based on the Service, even if advised of the possibility; and (b) our total liability for all claims relating to the Service or these Terms is limited to the greater of the amount you paid us for the Service in the 12 months before the claim arose, or US$100. These limits do not apply where the law does not allow them, including liability that cannot be excluded for gross negligence, fraud or personal injury.

15. Indemnity

If you use the Service for business purposes, you agree to indemnify NEMAPP against third-party claims, losses and costs (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Service or its outputs.

16. Contact

NEMAPP FINANCIAL ULC
700 W Georgia St, Suite 2200
Vancouver, BC V7Y 1K8, Canada
Email: lioramsellem@propvision.us

17. Governing law and disputes

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada that apply there, without regard to conflict-of-law rules. The courts of British Columbia, sitting in Vancouver, have exclusive jurisdiction over any dispute, and you and we submit to them. However, if you are a consumer, you keep the protection of any mandatory laws of the province, state or country where you live, and you may bring a claim in the courts where you live if those laws allow it. Before starting a formal claim, please contact us so we can try to resolve the issue informally.

18. Additional terms for the iPhone app

If you downloaded PropVision AI from Apple's App Store, these terms also apply:

  • These Terms are between you and NEMAPP only, not Apple. NEMAPP, not Apple, is solely responsible for the app and its content.
  • Your license to use the app is limited to a non-transferable license to use it on Apple-branded devices you own or control, as permitted by the Usage Rules in the App Store Terms of Service.
  • Apple has no obligation to provide maintenance or support for the app.
  • If the app fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price of the app (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the app, and any other claims, losses or costs from a failure to conform to a warranty are NEMAPP's responsibility to the extent not disclaimed in these Terms.
  • NEMAPP, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your use of it, including product liability claims, claims that the app fails to meet legal or regulatory requirements, and claims under consumer protection, privacy or similar laws.
  • If a third party claims the app or your use of it infringes their intellectual property, NEMAPP, not Apple, is responsible for the investigation, defence, settlement and discharge of that claim.
  • You confirm you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and you are not on any U.S. Government list of prohibited or restricted parties.
  • You must comply with applicable third-party terms (for example, your wireless data agreement) when using the app.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

19. Changes, termination and general terms

  • We may update these Terms. If a change is material, we will give reasonable notice (for example by email or in the Service) before it takes effect. Continuing to use the Service after that means you accept the updated Terms.
  • You may stop using the Service and ask us to delete your account at any time. Cancelling a subscription does not delete your account, and deleting your account does not cancel an Apple subscription.
  • We may suspend or end the Service, or your access, for the reasons in section 10 or if we discontinue the Service. If we discontinue a paid plan for reasons other than your breach, we will refund the unused portion of any prepaid web subscription.
  • If any part of these Terms is found unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. These Terms, with the Privacy Policy, are the entire agreement between you and us about the Service.