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Peazy — Terms and Conditions

Effective date: 2026-08-15 Version: 2.2 Last updated: 2026-08-15

Important — read this before you rely on any number in Peazy

Peazy gives you estimates. Peazy is not your accountant, and Peazy does not file anything.

Every figure in Peazy is an estimate for planning between filings — what to set aside, your CPP or QPP contributions, your marginal rate, your vehicle, equipment, and home-office deductions, your categorized expense totals, and, if you are incorporated, an estimate of your corporation's own income tax.

None of it is a tax return, and none of it is professional advice. Your accountant prepares and files your actual returns. Peazy's job is to tell you roughly where you stand in the months between those filings, and to hand your accountant clean records when the time comes.

Peazy's estimates are based only on what is in your account. They cannot account for income, deductions, credits, elections, prior-year balances, carry-forwards, or personal circumstances Peazy does not know about — and some figures are ones you type in yourself.

Peazy does not calculate payroll source deductions or tax instalments, personal or corporate. Those are recurring, deadline-driven obligations that carry penalties, and they are between you, your accountant, and the tax authority.

If you act on a Peazy estimate without having it checked, and a tax authority assesses you differently, that outcome is yours. Sections 5, 16, and 17 set this out in full.

1. Who we are and what this agreement is

These Terms and Conditions (the "Terms") are a binding agreement between you and Polaris Data Insights Ltd. (Ontario Corporation Number 1001167143), an Ontario corporation with its registered office at Suite 516, 1 Belsize Drive, Toronto, Ontario M4S 0B9, Canada ("Peazy", "we", "us", "our").

They govern your use of the Peazy mobile applications for iOS and Android, the Peazy web application at app.peazy.cloud, the site at peazy.cloud, and every related service, export, and message we provide (together, the "Service").

By creating an account, connecting a financial account, or otherwise using the Service, you agree to these Terms and to our Privacy Policy at https://app.peazy.cloud/legal/privacy. Before you accept, please read the Privacy Policy — it forms part of this agreement and describes what we collect, where it is processed, and who processes it. If you do not agree, do not use the Service.

Definitions. "Your Content" means everything you submit to the Service — receipts, photographs, transactions, production figures, notes, and anything you forward to your Peazy address. "Estimate" means any calculated figure the Service produces, including tax, CPP or QPP, deduction, and corporate tax figures. "Trial" means the free period described in §11.1.

2. Eligibility

To use the Service you must:

The Service is built for Canadian self-employed and incorporated professionals who file their own taxes. At setup you tell us your profession, and the Service supports dentist, optometrist, physician, veterinarian, chiropractor, physiotherapist, real estate agent, and "something else." It is not designed for, tested against, or supported for any other jurisdiction or tax regime, and some features are limited to a single profession (see §4). You may use it anyway, but §16 (Disclaimers) applies with full force if you do.

3. Your account

3.1 Registration. You create an account with an email address and password, or by signing in with Google or Apple. We do not ask for, and do not require, a phone number.

3.2 Security. You are responsible for keeping your credentials confidential and for activity under your account. Tell us immediately at security@peazy.cloud if you believe someone has accessed your account without your authorization.

3.3 One person per account; your corporation is not a separate account holder. An account belongs to a single individual. Do not share credentials. If you are incorporated, the account is still yours personally — your corporation's records live inside your personal account, and you contract with us personally regardless of who ultimately pays the subscription.

4. What the Service does

Peazy helps a self-employed or incorporated professional organize financial records across the one or more businesses that pay them. It connects financial accounts to import transactions, categorizes income and expenses, captures receipts, tracks vehicle and mileage deductions, produces estimates of the tax to set aside, and exports a year-end package for your accountant.

The Service adapts its wording to the profession you select — the businesses that pay you are called clinics, practices, brokerages, or clients accordingly. This is wording only. It never changes any calculation, and no tax figure the Service produces depends on your profession.

One feature is limited by profession. Recording what you produced and comparing it against what you were actually paid is available to dentists only. If you select any other profession, the Service does not offer it, and nothing in these Terms should be read as promising it to you.

We may add, change, or remove features. We will give reasonable advance notice before a change materially reduces the core functionality you are paying for.

5. Estimates, your accountant, and what we do not calculate

This section is the core of this agreement. Everything the Service produces is subject to it.

5.1 We are not your accountant. Peazy is not an accountant, tax preparer, bookkeeper, CPA, tax agent, lawyer, or financial advisor. Using the Service does not create any professional, advisory, or fiduciary relationship between you and us. Nothing the Service produces is tax, accounting, legal, or financial advice.

5.2 Every figure is an estimate. Estimates are calculated by a deterministic engine from published federal and provincial tax tables as most recently incorporated into the Service, which may not reflect the current state of the law or any change announced, enacted, or applied after those tables were last updated, together with the information in your account. They are approximations for planning. They are not a tax return, a notice of assessment, or a prediction of what any tax authority will assess.

5.3 What we calculate, and what we deliberately do not. These are different things and we keep them separate on purpose.

What we estimate. Your personal income tax and CPP or QPP contributions for the calendar year, including the self-employed employer portion where it applies. If you are incorporated, we also estimate your personal tax on amounts you have actually withdrawn from your corporation as salary or dividends, and, separately, your corporation's own income tax on its active business income at the small-business rate for its fiscal year. These are two different numbers on two different bases. Do not add them together and do not treat either as a filing.

Deliberately out of scope. We do not calculate payroll source deductions (the income tax, CPP, and EI a corporation must withhold and remit when it pays a salary) or tax instalments, personal or corporate. These are not harder to compute than what we do compute. They are recurring, deadline-driven obligations that carry penalties for being late or short, and an annual accounting engagement is not what catches a missed monthly remittance. We do not produce a number for them, we do not track their deadlines, and you must not infer from any Peazy figure that a remittance has been made, calculated, or accounted for.

We also do not handle GST/HST at all — not registration, not collection, not remittance, not input tax credits, and no Peazy figure is GST/HST-inclusive or GST/HST-aware. Whether GST/HST applies to you depends on what you supply, and it differs sharply across the professions the Service supports: many health care services are exempt supplies, while other professional and commission income is generally taxable and may oblige you to register, charge, collect, and remit. Do not treat the absence of GST/HST anywhere in the Service as an indication that it does not apply to you. Determining your GST/HST obligations is between you, your accountant, and the tax authority.

Not yet supported. The Service does not currently model eligible dividends (every dividend is treated as non-eligible), or any tax year for which a tax table has not been added to the Service. These are gaps we may close.

Documented simplifications. Some calculations — including the vehicle lease deduction and the ordering of the dividend tax credit — implement a simplified version of the full published worksheet, accurate for the ordinary case. Where a limitation is known we surface it in the app. The absence of a caveat is not a warranty of completeness.

5.4 Professional review, and what happens if you skip it. The Service tells you roughly where you stand between filings. It does not tell you what to file, and it does not replace review by a qualified accountant or tax professional who knows your full situation. Your accountant will normally review your position once a year when they prepare your returns; Peazy's estimates are produced continuously in between, and an in-year estimate has not been reviewed by anyone. Whether to seek professional advice before you act on a figure is your decision — and if you act on one without doing so, you do so at your own risk and accept the consequences. We built the Service to make the conversation with your accountant shorter and cheaper, not to make it unnecessary.

5.5 What Peazy cannot see. An estimate reflects only what is in your account. It cannot account for income or expenses you have not recorded; deductions, credits, elections, or exemptions you may be entitled to; prior-year balances, carry-forwards, or losses; your spouse's or dependants' circumstances; registered-plan activity; amounts already remitted or withheld outside the Service; correspondence, assessments, or reassessments from a tax authority; or any change in law after our tax tables were last updated. An estimate being close to your actual liability one year is not a prediction that it will be the next.

5.6 Figures you enter yourself. Some inputs are yours, not ours — including your compensation split percentage, odometer readings, mileage, manually entered income and expenses, and, for dentists, daily production figures. We do not verify them against any clinic, practice, brokerage, practice-management system, or third party. Any comparison the Service draws between what you recorded and what you were paid — and any flag it raises about a possible shortfall — is only as accurate as what you typed. Treat such a flag as a prompt to check your own records, never as a finding of fact about what anyone owes you.

5.7 You remain responsible for your own filings. You are solely responsible for the accuracy, completeness, and timeliness of every return, remittance, instalment, election, and record you file or are required to keep, and for any tax, interest, penalty, or reassessment arising from them. Deadlines are yours to meet.

5.8 We do not monitor your account. We do not review your records for accuracy or completeness, monitor whether you are meeting an obligation, or have any duty to tell you that a figure looks wrong, that a deadline is approaching, that your circumstances appear to have changed, or that you may be entitled to something you have not claimed. Any reminder or prompt the Service shows is an automated convenience, not advice and not a warning.

5.9 If we get something wrong. If we discover a material error in how the Service calculated an estimate, we will correct it, tell affected users what the error was and which periods it affected, and make a corrected figure available. We will do this whether or not anyone has complained.

5.10 We are not a financial institution. Peazy never holds, moves, transfers, invests, disburses, or takes custody of your money. We read transaction data; we do not touch funds. We are not a bank, money services business, payment processor, investment dealer, or insurer.

5.11 Record retention is yours. The Canada Revenue Agency generally requires you to keep supporting records for six years from the end of the last tax year they relate to. Peazy is not your system of record for that purpose. Keep your own originals, independently of the Service. See §15 for what happens to data when an account ends.

5.12 Your acknowledgement. By using the Service you acknowledge that you have read and understood this section, that every figure the Service produces is an estimate, and that you will not treat the Service as a substitute for professional advice or as evidence that any filing or remittance obligation has been met.

6. Artificial intelligence features

6.1 What AI does here. Parts of the Service use third-party large language models to categorize transactions, read a photographed receipt, and write the narrative text of your monthly digest.

6.2 AI proposes; you confirm. Values produced by a model are shown as suggestions and marked as such until you confirm or correct them. Every AI output that touches a number or a category is validated, clamped, or rejected in code before it is stored. The tax and deduction calculations contain no AI component — they are deterministic by design, and no model output is ever an input to them.

6.3 No accuracy warranty. AI output can be wrong, incomplete, or misleading, including in ways that look plausible. Photographs and PDFs are imperfect inputs. Review every AI-suggested value before relying on it.

6.4 Processing by model providers. Content you submit to an AI feature is transmitted to our model providers, which process it on servers located in the United States, for the sole purpose of returning a result to you. Under our agreements with them, they do not use your content to train or improve their models, and they may retain it only briefly for security and abuse-prevention purposes. Our current providers and the safeguards applying to transfers outside Canada are described in the Privacy Policy. Do not submit anything to an AI feature that you are not permitted to disclose to a service provider — see §8.

7. Connecting financial accounts

7.1 Plaid. Bank and card connections are provided through Plaid Inc. ("Plaid"). When you connect an account you also agree to Plaid's end-user privacy policy and terms, and you authorize Plaid to access your account information and transmit it to us on your behalf. Plaid's own disclosures govern what it collects and how it uses it; we encourage you to read them before connecting.

7.2 Read-only. The access we request is read-only: transactions, balances, account names, and the last four digits of card numbers. We cannot initiate payments or move money.

7.3 Credentials. We never see or store your online banking credentials. Access tokens are held encrypted and are never exposed to the app.

7.4 Accuracy of imported data. Transaction data originates with your financial institution and Plaid. We do not control it, cannot guarantee it is complete, current, or correctly described, and are not responsible for errors, omissions, delays, or outages that originate upstream. Reconcile against your own statements.

7.5 Disconnecting. You may stop a connection at any time by revoking access with your financial institution, or by asking us at hello@peazy.cloud and we will disconnect it for you. Transactions already imported stay in your account until you delete them or your account is deleted.

8. Patient and client information, forwarded email, and security

8.1 Do not put patient or client information into Peazy. The Service is not a clinical or client records system and is not designed, certified, or contracted to hold personal health information. You must not enter, upload, or forward any patient name, contact detail, health number, chart number, clinical note, or other patient-identifying information. If you are not in a clinical profession, the same prohibition applies to your own clients and customers: do not enter, upload, or forward client names, contact details, addresses of properties or premises, transaction details, or any other information identifying the people you serve. This applies to every part of the Service, including free-text fields such as transaction notes and merchant names, and to anything sent to your Peazy forwarding address.

The Service never needs this information. It records what you earned and what you spent — not who you earned it from beyond the name of the business that pays you.

8.2 Your forwarding address is for expense receipts. Your Peazy forwarding address exists so you can forward an expense receipt from a supplier, lab, or course provider. Do not forward production, billing or collections reports, remittance or pay statements, client or patient ledgers, or other operational documents from a business that pays you — the Service does not process them, and they are the documents most likely to contain patient information. Before you forward anything belonging to a practice, confirm you are permitted to disclose it to a service provider under your associate agreement and under any privacy legislation that applies to that practice. Treat the address like any other route into your records: anything sent to it enters your account. We may refuse, quarantine, or delete any forwarded message, and we do not undertake to process every message sent to that address. We keep the original forwarded message only as long as we need it to extract the receipt, and delete it afterward.

8.3 What we are not. We are not a health information custodian. We are not your agent, and we are not an electronic service provider or health information network provider within the meaning of Ontario Regulation 329/04 or any equivalent provincial regulation: the Service is supplied to you for the purpose of organizing your own business and financial records, not for the purpose of enabling any custodian to collect, use, modify, disclose, retain, or dispose of personal health information by electronic means, and we are not authorized by you or by any custodian to handle personal health information for any purpose. Unless we have signed a separate written agreement with you addressing personal health information, no such agreement exists and none is implied by your use of the Service.

8.4 If patient information reaches us anyway. Tell us at privacy@peazy.cloud and we will delete it. We will not use it for any purpose, and we will not disclose it except as required by law.

8.5 Security incidents. We maintain safeguards appropriate to the sensitivity of the information we hold. If we become aware of unauthorized access to, or unauthorized use or disclosure of, Your Content, we will notify you without undue delay at your registered email address, tell you what we know, and tell you what we are doing about it. We keep a record of such incidents as required by applicable privacy legislation.

8.6 Your own notification obligations. If you are a health information custodian, an agent of one, or otherwise subject to a statutory or contractual breach-notification duty, that duty is yours. We will give you the information reasonably available to us so that you can meet it, but we do not notify patients, custodians, practices, regulators, or professional colleges on your behalf.

9. Your content

9.1 You own your data. Your Content remains yours.

9.2 Licence. You grant us a non-exclusive, worldwide, royalty-free licence to host, store, copy, transmit, display, reformat, and process Your Content solely as necessary to provide, secure, and support the Service for you, and to do the same through our service providers (§10). We will not use Your Content to train, fine-tune, develop, or evaluate any machine learning or artificial intelligence model, and we will not permit any service provider to do so. We will not use Your Content for marketing or testimonials without your separate written consent. This licence exists only so that we can run the Service; it ends when Your Content is deleted, except for copies in routine backups for a limited period or as required by law.

9.3 Your warranties. You represent that you have the right to submit Your Content and that doing so does not breach any contract you have with a practice, employer, or third party, including confidentiality provisions in your associate agreement.

9.4 Aggregated and anonymized data. We may create and use aggregated, anonymized statistics about how the Service is used — for example, "the median associate connects two financial accounts." We produce these only from data aggregated across many users, in a form from which no individual, patient, or practice can reasonably be identified. We will not attempt to re-identify them, we will not sell them, and we will not use them to train, fine-tune, or evaluate any machine learning model. Personal health information is excluded from every use described in this section.

10. Third-party services and our people

10.1 Service providers. The Service depends on third parties, each governed by its own terms and privacy policy — including providers of hosting and storage, financial account connections, AI processing, payments, address lookup, sign-in, and outbound email. A current list, with the country each operates in, is maintained in the Privacy Policy. We choose providers with care and hold them to contractual confidentiality and security obligations, but we do not control them and are not responsible for their acts, omissions, outages, or changes to their own terms.

10.2 Our staff. A small number of authorized personnel can access accounts to provide support, investigate a problem, and administer billing, including cancelling a subscription or issuing a refund on request. Access is limited to those who need it and every such action is logged. We do not access your account for any other purpose.

11. Subscriptions, trial, and billing

11.1 Free trial. New accounts get a 30-day free trial. Some AI-powered features are capped during the trial; the current caps are shown in the app. We do not ask for a payment method to start a trial, and we never charge you automatically when a trial ends. If you do nothing, the trial simply expires and paid features stop. You start paying only when you actively choose a plan and enter a payment method. Trial terms may change for new signups; a change never shortens a trial already running.

11.2 Price. After the trial, the Service costs CAD $19.99 per month or CAD $199.90 per year, plus applicable taxes. Prices are in Canadian dollars.

11.3 Auto-renewal and cancellation.

11.4 Failed payments. If a payment fails we will retry it for up to 21 days before treating the subscription as cancelled. We may, but are not required to, suspend paid features during that period.

11.5 Price changes. We may change the price. We will give you at least 30 days' notice by email setting out the current price, the new price, and the date it takes effect, and the new price applies from your next renewal. If you do not accept the change you may cancel before it takes effect, and we will refund the unused portion of any fee already paid for a period extending past that date, calculated pro rata by day. Your existing price applies until then.

11.6 Refunds. Except where a refund is required by law or by §15.2: monthly fees are non-refundable; an annual fee cancelled within 14 days of the initial charge is refunded in full on request to hello@peazy.cloud. App-store purchases are refundable only under Apple's or Google's policies.

11.7 Taxes. Prices exclude GST/HST/QST and other applicable taxes, added at checkout where required.

11.8 Disputed charges. If you think you have been charged incorrectly, contact us at hello@peazy.cloud within 60 days and we will investigate. Please contact us before initiating a chargeback; a chargeback raised without contacting us may result in suspension while it is resolved.

11.9 Referrals. We may offer account credit or free access when someone you refer subscribes to a paid plan. Credits have no cash value, cannot be transferred or redeemed for money, apply only to future fees, and expire if your account closes. We may withhold or reverse a credit, and suspend an account, where we reasonably believe a referral was not genuine — including self-referrals, duplicate or automated accounts, and accounts created to generate credits. We may change or end the programme at any time; credits already applied are unaffected. If you invite someone to Peazy, invite only people who would want to hear from you, and be open about the fact that you are rewarded for it.

11.10 Complimentary access. We may grant free or discounted access at our discretion. It can be withdrawn at any time and has no cash value.

11.11 If consumer protection law applies to you. Some of your rights may be protected by consumer protection legislation in your province or territory. Nothing in these Terms excludes, restricts, or modifies any right, remedy, guarantee, or warranty that such legislation gives you and that cannot lawfully be excluded, and where a term of these Terms conflicts with such a right, that right prevails to the extent of the conflict.

12. Acceptable use

You will not:

We may suspend or terminate an account that breaches this section, immediately and without notice where the breach is serious or ongoing.

13. Availability, changes, and support

We aim to keep the Service available but do not promise uninterrupted or error-free operation. We may suspend it for maintenance, security, or reasons beyond our control, and we may modify or discontinue features. If we discontinue the Service entirely, we will give at least 60 days' notice and make an export of your data available throughout that period.

Preview features. We may label a feature as beta, preview, or early access. Those are provided as is, may change or be withdrawn without notice, and are excluded from any commitment in this section.

In-app messages. We may show announcements, tips, and offers inside the Service. These are part of the product interface, are not sent to an electronic address, and can be dismissed.

Support is by email at hello@peazy.cloud on a commercially reasonable basis. We do not offer a service level agreement.

14. Intellectual property and feedback

14.1 Ours. The Service — its software, calculation engines, design, and the Peazy name and logo — is owned by us and our licensors. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service under these Terms. No other rights are granted.

14.2 Feedback. If you send us suggestions or feedback we may use them freely, without obligation or compensation. This gives us no rights in Your Content.

15. Termination and your data

15.1 By you. You can close your account at any time by emailing hello@peazy.cloud, and we will delete it. Export your year-end package and anything else you need first, and remember to cancel any App Store or Google Play subscription separately (§11.3).

15.2 By us. We may suspend or terminate your access if you breach these Terms, if the law requires it, if your payment fails and is not cured, or on 30 days' notice for any other reason. If we terminate for convenience, we will refund the unused portion of any prepaid fee.

15.3 Deletion. On account closure we delete or anonymize Your Content within 30 days, except for (i) routine backups, which age out on their own cycle, and (ii) records we are legally required to keep.

15.4 Export. You can export your data from the Service at any time while your account is open. Export before you close your account. Closing your account deletes your data immediately and permanently, as described in §15.3 — we do not retain a copy you could ask us for afterwards, and we cannot restore or reproduce it once it is gone.

15.5 Death or incapacity. If you die or become incapable, your legal representative may request an export of your records, or deletion of your account, on satisfactory proof of their authority.

15.6 Survival. Sections 5, 8, 9.1–9.4, 11 (as to fees accrued before termination), 12, 14, 15, 16, 17, 18, 19, 20, and 22 survive termination.

16. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, express, implied, statutory, or otherwise, including implied warranties or conditions of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be uninterrupted, secure, or error-free; that any estimate, calculation, categorization, extraction, or AI output will be accurate or complete; that the Service will satisfy any legal, tax, professional, or regulatory obligation you have; or that data imported from a financial institution will be accurate or timely.

Some jurisdictions, including Quebec and several provinces' consumer protection statutes, do not allow the exclusion of certain warranties or legal guarantees. Nothing in these Terms excludes, restricts, or modifies any warranty, guarantee, right, or remedy that cannot lawfully be excluded, and in that case our liability is limited to the minimum extent the law permits.

17. Limitation of liability

To the maximum extent permitted by law:

17.1 We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost savings, lost data, loss of goodwill, or business interruption, however caused and on any theory of liability, even if we were advised such damages were possible.

17.2 We are not liable for tax, interest, penalties, reassessment, or professional fees to the extent they arise from your acting on an estimate without the verification described in §5.4, from a figure you entered yourself (§5.6), or from a filing, remittance, or instalment you made or failed to make.

17.3 Our total aggregate liability for all claims arising out of or relating to the Service or these Terms — in contract, tort (including negligence), under statute, or otherwise, and whether for one claim or many — is limited to the greater of (a) the total fees you paid us in the 12 months before the first event giving rise to a claim, and (b) CAD $500.

17.4 These limits do not apply to liability that cannot be limited by law, including liability for fraud or fraudulent misrepresentation, for intentional or gross fault, for bodily or moral injury, or under the rights preserved in §16 and §11.11.

17.5 These limits reflect a deliberate and reasonable allocation of risk between us, made in light of the price of the Service, its nature as a planning and record-keeping tool, and the disclaimers in §5 — without which the Service could not be offered at this price.

17.6 Quebec. If you are resident in Quebec: nothing in §§16–18 excludes or limits our liability for bodily or moral injury, or for injury caused by our intentional or gross fault (art. 1474 CCQ); nothing limits your rights under arts. 1435, 1436, or 1437 CCQ regarding external, illegible, or abusive clauses in a contract of adhesion; and nothing alters any prescription period, which is fixed by law (art. 2884 CCQ).

17.7 No reliance; intervening decisions. You acknowledge that you have not relied and will not rely on the Service as the basis for any filing, remittance, instalment, election, or other decision with a tax consequence, and that any such decision is made by you or by an adviser you choose, exercising independent judgment. Where a loss results from a filing or a failure to file, that decision — not the Service — is its cause.

17.8 Time limit for claims. Except where you are a consumer under applicable consumer protection legislation, and except in Quebec, any claim arising out of or relating to the Service or these Terms must be commenced within one year after it is discovered, or it is permanently barred.

18. Indemnity

You will indemnify and hold us harmless from any third-party claim, and any resulting loss, liability, or reasonable legal expense, arising from: (a) your breach of these Terms; (b) Your Content, including patient or confidential information submitted in breach of §8 or §9.3; or (c) your use of the Service in violation of law or of an agreement you have with a practice or employer — except to the extent the claim arises from our own negligence, wilful misconduct, or breach of these Terms. We will notify you promptly of any such claim; you may control the defence with counsel reasonably acceptable to us, and if you do not defend it diligently we may assume the defence at your cost; we may participate at our own expense; and neither of us will settle in a way that admits fault or imposes an obligation on the other without that party's consent, not to be unreasonably withheld.

19. Governing law and disputes

19.1 Governing law. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. If you are a consumer, this does not deprive you of the protection of mandatory rules of the law of your own province or territory of residence (see art. 3117 CCQ for Quebec residents).

19.2 Courts. The courts of Ontario have non-exclusive jurisdiction, and you and we consent to their jurisdiction and venue. Nothing in this section deprives you of a right to bring proceedings in the courts of your own province or territory where the law of that province or territory gives you that right; Quebec residents specifically retain their rights under art. 3149 CCQ.

19.3 Talk to us first. Before starting a proceeding, email legal@peazy.cloud describing the issue. We will try in good faith to resolve it within 60 days. Neither of us is prevented from seeking urgent injunctive relief, and this period does not shorten any limitation or prescription period.

19.4 Legal process and demands for your records. If we receive a court order, subpoena, or a demand from a tax authority for your records, we will notify you before responding unless we are legally prohibited from doing so.

20. Electronic communications and CASL

You consent to receive notices, agreements, disclosures, and other communications from us electronically, and agree that electronic communications satisfy any legal requirement that a communication be in writing.

Service messages — verification codes, receipts, billing and renewal notices, security alerts, the monthly digest, and missing-receipt reminders — are part of the Service and go to your registered email address. Verification, billing, and security messages cannot be turned off while your account is open, because they are how we keep your account working and secure.

Commercial electronic messages — product announcements and marketing — are sent only with your consent, which you may withdraw at any time using the unsubscribe instructions in any such message or by emailing hello@peazy.cloud. Every message we send identifies us, gives our mailing address, and tells you how to stop receiving messages of that kind. Withdrawing marketing consent does not stop the account and security messages above.

21. App stores

21.1 Apple. These apply if you obtained the app from the Apple App Store, and prevail over any conflicting term above only as between you and Apple:

21.2 Google Play. If you obtained the app from Google Play, these Terms are between you and us, not Google. Google is not responsible for the app or its content, has no obligation to provide support or maintenance, and is not responsible for any claim relating to the app. Your use is also subject to the Google Play Terms of Service, and refunds are governed by Google's policies.

22. General

22.1 Changes to these Terms. We may update these Terms. For material changes we will give at least 30 days' notice by email or in-app before they take effect, identifying what is changing, and your continued use after that date means you accept them. If you do not accept a change, stop using the Service and cancel before it takes effect; we will refund any unused prepaid fee. If you are a consumer in a province whose law prescribes a specific process for amending a contract, we will follow that process instead.

22.2 Notices. We give you notice by email to your registered address or by an in-app message, deemed received the day it is sent. You give us notice by email to legal@peazy.cloud, deemed received on the next business day. Keep your email address current.

22.3 Assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, on notice to you. If our business is sold or transferred, Your Content may transfer with it, subject to the Privacy Policy and applicable law; if we wind down, we will give you the notice and export described in §13.

22.4 No third-party beneficiaries. Except as stated in §21, these Terms create no rights in anyone who is not a party to them.

22.5 Severability. If a provision is held unenforceable, it is modified to the minimum extent necessary or severed, and the rest stays in force.

22.6 No waiver. A failure to enforce a provision is not a waiver of it.

22.7 Force majeure. Neither party is liable for a failure to perform caused by an event beyond its reasonable control, other than an obligation to pay.

22.8 Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service and replace any prior understanding.

22.9 Language. The Service is currently offered in English only, and — consistent with that — we do not offer the Service to residents of Quebec at this time. A French version of these Terms, our Privacy Policy, and the product itself is planned; once available, the Service will open to Quebec residents and this section will be updated accordingly. You confirm you are not a resident of Quebec at the time you create an account.

23. Contact

Polaris Data Insights Ltd. (operating as Peazy)

Suite 516, 1 Belsize Drive, Toronto, Ontario M4S 0B9, Canada

Support: hello@peazy.cloud Privacy: privacy@peazy.cloud Security: security@peazy.cloud Legal: legal@peazy.cloud