Terms of Service

Elite Tenants offers two related services:

• Tenant credit-building. We detect monthly rent payments through your read-only bank connection (via Plaid), verify them against your lease, and report verified payments to TransUnion Canada in the industry-standard Metro 2 format.
• Tenant screening. Prospective tenants complete a screening (identity, address history, employment, income, declarations, optional Plaid Income verification) and authorise a credit-report inquiry from TransUnion Canada. We compute a proprietary “Elite Score” and share the resulting screening report with the specific landlord or property manager that invited the tenant or whose listing the tenant applied to.

We are not a credit bureau, lender, financial institution, money services business, or property manager. We do not extend credit, hold or move funds, or insert ourselves into the landlord-tenant relationship.

To use the Service you must:

• Be at least 18 years of age and have the legal capacity to enter into a binding contract.
• Be a resident of Canada.
• Provide accurate, current, and truthful information; promptly update it when it changes.
• For the credit-building service: be a tenant party to a valid residential lease.
• For the landlord/property-manager side: have legal authority to manage the rental properties you list and to invite applicants.

Creating an account with materially false information is a breach of these Terms and grounds for immediate termination.

• You are responsible for all activity on your account.
• You must keep your login credentials confidential and notify us immediately at security@elitetenants.com if you believe your account has been compromised.
• Two-factor authentication is required for all admin and landlord/property-manager accounts that access credit data. Tenants are strongly encouraged to enable 2FA.
• You may not share your account, sell access, or use the Service on behalf of another person without that person’s explicit consent recorded through our platform.

• You authorise us to detect rent payments via your read-only bank connection and to report verified on-time and missed rent payments to TransUnion Canada in the Metro 2 format.
• You confirm that the lease you upload is a genuine signed agreement for a property you currently rent.
• You will notify us within 14 days if you move, change rental arrangements, or your lease ends, by updating your account or emailing support@elitetenants.com.
• You will maintain an active Plaid bank connection so that we can detect payments. If the connection breaks, reporting may pause until you reconnect.
• We do not accept self-reported payments. Only payments we detect from your bank feed and verify against your lease are eligible for reporting.
• We cannot guarantee a specific change in your credit score. Bureau scoring methodologies vary and depend on many factors outside our control.
• Records already submitted to a bureau cannot be unilaterally withdrawn by us. You may dispute any reported item under Section 8.
• If we cannot detect or verify a payment, we may classify the month as missed in accordance with the cadence and rules described in our help documentation. You will be given an opportunity to dispute before any missed status is finalised in a bureau submission.

• Screening is initiated by your acceptance of an invitation from a specific landlord or your own use of a public apply link.
• You will provide complete, accurate, and current information through the screening wizard. Submitting false information is a breach of these Terms and may also be an offence under provincial Consumer Reporting legislation.
• Before we pull a credit report from TransUnion Canada, you will see and must explicitly consent to the screening consent text, which is versioned and recorded with your IP address, user-agent, and timestamp.
• We share the resulting screening report only with the specific landlord or property manager identified in the invitation or apply link. We do not share screening reports across landlords; each landlord requires fresh consent.
• You may withdraw consent at any time. Withdrawal does not retroactively recall reports already shared with a landlord but will end further use of your information for that screening.
• If we cannot match you at the credit bureau (TransUnion returns “no hit”), we will ask you to verify your full legal name, date of birth, and current address and resubmit. After a second consecutive no-hit, your screening will be placed on hold and our support team will assist you.
• If your Plaid Income link is missing or unavailable, we may ask you to briefly explain your income arrangement. An admin will then contact you to verify income through alternative means (e.g. paystubs or bank letter).

If you sign up as a landlord or property manager, the following additional covenants apply. They are enforceable obligations under these Terms and are in addition to the Landlord Data-Sharing Agreement you will accept on first sign-in.

• You may invite tenants for screening only for legitimate, lawful tenant-screening purposes related to a specific rental unit you have authority to lease.
• You will use any screening report you receive only for the specific rental decision for which it was obtained. You will not use it for any other purpose, share it with any third party, or aggregate it with other tenant data.
• You will retain screening reports only for the duration permitted under the applicable provincial Consumer Reporting Act (in Ontario, no longer than seven years) and will securely destroy them at the end of that period.
• If you decline an applicant based in whole or in part on a screening report, you acknowledge that we will send the applicant an adverse-action notice on your behalf identifying TransUnion Canada and outlining the applicant’s statutory rights.
• You will not use screening data to make decisions on grounds prohibited by the federal Canadian Human Rights Act or any applicable provincial human-rights legislation.
• You will keep your account credentials secure and enable 2FA. You will not allow unauthorised personnel to view tenant screening data.
• You will not attempt to circumvent the rate-limits or audit-logging on the Service.
• You agree that breach of any of these covenants is a material breach and grounds for immediate termination, and that we may report serious breaches to the relevant bureau and to applicable regulators.

• Some features of the Service require a paid subscription. Pricing is shown in the application before you commit. All amounts are in Canadian dollars (CAD) and exclusive of applicable taxes unless stated otherwise.
• Subscriptions are billed via Stripe. By subscribing you authorise Stripe to charge your payment method on the agreed cadence.
• You may cancel at any time through the in-app billing controls; cancellation takes effect at the end of the current billing period.
• We do not refund partial billing periods unless required by law.
• If a payment fails, we will retry up to three times over seven days. Continued failure may result in suspension of the paid features (e.g. pausing of credit-bureau reporting) until payment is resolved.
• We may offer free, discounted, or trial plans at our discretion.
• We may change pricing on at least 30 days’ notice. If you do not accept a price change, you may cancel before it takes effect.

If you believe a rent payment has been reported incorrectly to a bureau (wrong amount, wrong month, missed payment we failed to detect, or a payment reported on someone else’s file), you have the right to a free, prompt investigation:

• Email disputes@elitetenants.com with your account email, the month in question, and any supporting bank records.
• We will acknowledge your dispute within 5 business days and assign a case number.
• We will investigate and respond with our determination within 30 days.
• If our investigation determines the report was in error, we will submit a Metro 2 correction record to the relevant bureau(s) within 5 business days of our determination.
• You may also dispute directly with TransUnion Canada (1-800-663-9980).

If a landlord declines a rental application based in whole or in part on a screening report we provided, you will receive an adverse-action notice from us by email identifying the credit bureau whose data was used (TransUnion Canada), informing you of your right to obtain a free copy of your credit report from that bureau, your right to dispute inaccurate information, and providing the contact details for the relevant provincial human rights tribunal if you believe the decision was made on a prohibited ground.

You agree not to:

• Use the Service for any unlawful, fraudulent, or deceptive purpose.
• Submit, upload, or transmit information that is false, infringing, or that you do not have the right to share.
• Impersonate any person or misrepresent your affiliation with any person or entity.
• Pull credit on any person without their explicit, freshly captured consent through our platform.
• Attempt to access, probe, or test the security of the Service or other accounts; bypass rate limits; reverse-engineer the Service.
• Use the Service to develop or train any competing product or any machine-learning model.
• Scrape, harvest, or extract data from the Service by automated means.
• Resell, sublicense, or otherwise commercialise data obtained through the Service except as expressly contemplated by your role (e.g. a landlord using a screening report for the rental decision for which it was obtained).
• Share account credentials or use another user’s account without authorisation.
• Use the Service in any manner that could damage, disable, overburden, or impair it.

The Service, including its software, design, branding, content, and the Elite Score methodology, is owned by Elite Tenants Inc. and protected by Canadian and international intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purpose. No other rights are granted.

You retain ownership of all content you submit (e.g. your lease document). By submitting content you grant us a non-exclusive, royalty-free licence to use, store, process, and disclose that content solely for the purpose of providing the Service.

You may not use our trade marks, logos, or branding without our prior written consent.

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the maximum extent permitted by applicable law. We do not warrant that the Service will be uninterrupted, error-free, secure, or that defects will be corrected.

Without limiting the foregoing, we do not warrant:

• That credit-bureau data we receive from TransUnion Canada is accurate, complete, or current — we present what the bureau provides.
• That a particular landlord will approve or decline any application based on a screening report.
• That a particular change in your credit score will result from credit-building activity.
• That third-party services (Plaid, Stripe, the bureaus, email delivery, etc.) will be available or perform without delay.

Some jurisdictions do not allow the disclaimer of certain warranties, so portions of this section may not apply to you.

To the maximum extent permitted by applicable law, in no event will Elite Tenants, its directors, officers, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of goodwill, or loss of business opportunities, arising out of or relating to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for all claims arising out of or relating to these Terms or the Service is limited to the greater of (a) the amounts you paid to us for the Service in the twelve months immediately preceding the event giving rise to the claim, or (b) one hundred Canadian dollars (CAD $100).

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law (for example, liability for fraud, gross negligence, or wilful misconduct).

You agree to indemnify, defend, and hold harmless Elite Tenants and its directors, officers, employees, and agents from and against any third-party claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of these Terms.
• Your violation of any law or the rights of any third party.
• For landlords, your use of any screening report inconsistent with the Landlord Data-Sharing Agreement, Section 6 of these Terms, or applicable Consumer Reporting or human-rights legislation.
• For tenants, any false or misleading information you submit.

You may close your account at any time through Settings or by emailing support@elitetenants.com. We will process the closure within 30 days, subject to retention obligations described in our Privacy Policy.

We may suspend or terminate your account at our discretion, with or without notice, if we reasonably believe that you have:

• Materially breached these Terms or the Landlord Data-Sharing Agreement.
• Provided false, inaccurate, or fraudulent information.
• Engaged in fraud, abuse, or any conduct that creates legal or reputational risk for us or other users.
• Failed to pay subscription fees after reasonable retry attempts.

Sections that by their nature should survive termination (including Sections 11–14, 16, 17, and 18) will survive.

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.

Informal resolution. Before filing any legal claim, you agree to first contact us at support@elitetenants.com with a written description of the dispute. We will attempt to resolve it informally within 60 days.

Courts. Subject to the foregoing, any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be brought exclusively in the courts of the Province of Ontario, Canada, and you submit to the personal jurisdiction of those courts. Nothing in this section prevents you from making a complaint to the Office of the Privacy Commissioner of Canada or any other regulator with jurisdiction.

Class actions. Each party agrees that any dispute will be brought only in your or our individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding, except where such waiver is unenforceable under applicable law.

We may update these Terms from time to time. If we make material changes, we will notify registered users by email at least 30 days before the changes take effect, and we will update the version number and last-updated date at the top of this page. Continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not accept the updates, you must stop using the Service before they take effect.

If you reside in Quebec, additional rights and protections under the Quebec Civil Code, Quebec Law 25, and other Quebec consumer-protection legislation may apply to you. Nothing in these Terms reduces or waives those rights. In case of conflict between these Terms and Quebec mandatory law, Quebec mandatory law prevails to the extent of the conflict.

• Entire agreement. These Terms, together with our Privacy Policy and any additional terms agreed in-app (such as the Landlord Data-Sharing Agreement and the screening consent text), are the entire agreement between you and us regarding the Service.
• Severability. If any provision is held unenforceable, the remaining provisions remain in full effect.
• No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to a successor in connection with a merger, acquisition, or sale of all or substantially all of our assets.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices. We will give notice by email to the address on file. You may give us notice at support@elitetenants.com or by mail at our registered office.
• Language. The parties have requested that these Terms and all related documents be drawn up in English. Les parties ont demandé que la présente convention et tous documents qui s’y rattachent soient rédigés en anglais.

Elite Tenants Inc.
Toronto, Ontario, Canada
support@elitetenants.com — General support
disputes@elitetenants.com — Credit-reporting disputes
privacy@elitetenants.com — Privacy requests
security@elitetenants.com — Security incidents