Terms of Service
Last updated 3 September 2026
Placeholder — not reviewed by counsel
This page is dummy copy standing in for a real agreement. It shows the structure and tone of the terms CanaRE will publish, and should be replaced with a version drafted and reviewed by counsel before launch.
1. Agreement
These terms govern your use of the CanaRE platform and the website. By creating an account or accessing the platform on behalf of an organisation, you confirm you have authority to accept these terms for that organisation.
2. The service
CanaRE monitors public and licensed records for events relevant to the loans you place under coverage, matches those events to your positions, and presents them for your team to review. The scope of coverage, the sources included and the number of seats are set out in your order form.
3. Accounts and access
Accounts are for named individuals at your organisation and may not be shared. You are responsible for activity under your accounts and for notifying us promptly if you believe credentials have been compromised.
4. Your data
Loan tapes, servicer files and anything else you upload remain yours. We process them to operate the service for you and do not sell them or share them with other customers. We use a secure, modern cloud-database platform that runs on enterprise-grade infrastructure. On termination we return or delete your data at your direction.
5. Source data and accuracy
Signals are drawn from courts, servicers, county records and press. Those sources publish on their own schedules and are sometimes incomplete, delayed or wrong. We show you the source and date behind every item so you can verify it. We do not warrant that coverage is exhaustive or that any particular filing will be captured.
6. Not investment advice
CanaRE is an information tool. Nothing in the platform is investment, legal, accounting or tax advice, and classifications, rankings and suggested next steps are inputs to your own process rather than recommendations. Credit decisions remain yours.
7. Fees
Fees, billing period and payment terms are set out in your order form. Fees are invoiced in advance and are non-refundable except where these terms say otherwise. We may revise pricing at renewal with reasonable notice.
8. Confidentiality
Each side will protect the other's confidential information with reasonable care and use it only to perform under these terms. Your portfolio composition and the decisions your team records in the platform are your confidential information.
9. Term and termination
Subscriptions run for the period in your order form and renew unless either side gives notice. Either side may terminate for material breach that goes uncured after written notice. We may suspend access where continued use would create a security or legal risk.
10. Liability
The platform is provided without warranties beyond those stated here. Neither side is liable for indirect or consequential loss, and our aggregate liability is capped at the fees paid in the twelve months before the claim. Nothing here excludes liability that cannot be excluded by law.
11. Changes to these terms
We may update these terms as the service changes. Material changes take effect at your next renewal, or thirty days after we notify you, whichever comes first. The date at the top of this page shows the current version.
12. Contact
Questions about these terms go to hello@canarecre.com.