Terms of Use

These Terms of Use ("Terms") constitute a legally binding agreement between you ("the Broker") and Keynoro ("Keynoro", "we", "us") governing your access to and use of the Keynoro software and related services (collectively, the "Service").

By creating an account or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms, together with Keynoro's Privacy Policy and Disclaimer, both of which are incorporated herein by reference.

If you do not agree to these Terms, do not use the Service.

Keynoro is an AI-powered document review platform for licensed mortgage brokers. The Service enables you to upload client documents for automated classification, renaming, and note generation using Anthropic's Claude AI model, accessed via Keynoro's own API integration.

Keynoro is a productivity tool only. It does not provide mortgage advice, compliance guidance, legal advice, or regulatory determinations of any kind.

The Service uses Keynoro's own Anthropic API integration to process your documents. You are not required to provide an API key. Keynoro manages all AI infrastructure on your behalf as part of the Service.

Your documents are transmitted to Anthropic's Claude model for processing. This transmission is governed by Anthropic's terms of service and data handling policies, available at anthropic.com. You are responsible for independently reviewing and accepting Anthropic's terms before using the Service.

Keynoro is not responsible for the practices, availability, pricing, or performance of Anthropic or any other third-party service.

You retain full ownership of all User Content. By uploading User Content to the Service, you grant Keynoro a limited, non-exclusive, royalty-free licence to transmit, process, and display your User Content solely as necessary to provide the Service to you — including transmitting documents to Anthropic's API for AI processing.

This licence is granted strictly for service delivery purposes. Keynoro does not use your User Content for training, profiling, or any commercial purpose beyond delivering the Service.

You represent and warrant that:

• You have all rights, consents, and permissions necessary to upload and process the User Content
• You have obtained your clients' informed consent to process their documents using AI-assisted tools
• Your User Content does not violate any applicable law or third-party rights

Each party agrees to hold in confidence all Confidential Information disclosed by the other party and to use it only for the purposes of performing under these Terms. You agree not to disclose the specific configuration, pricing, or technical details of your Keynoro instance to third parties without Keynoro's prior written consent.

This obligation does not apply to information that is or becomes publicly known through no breach of these Terms, or that a party is required to disclose by law.

Your use of the Service is subject to Keynoro's Privacy Policy, incorporated into these Terms by reference. The Privacy Policy sets out how Keynoro handles your information and your clients' documents, including commitments that apply to User Content.

The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, Keynoro expressly disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

Keynoro does not warrant that:

• The Service will be error-free, uninterrupted, or available at any particular time
• AI Outputs will be accurate, complete, or suitable for any specific professional or regulatory purpose
• The Service will meet your compliance or licensing obligations

You are solely responsible for verifying all AI Outputs before relying on them for any professional purpose.

To the fullest extent permitted by applicable law, Keynoro's total aggregate liability to you for any claim arising out of or related to these Terms or the Service — whether in contract, tort, negligence, or otherwise — shall not exceed the greater of: (a) the Setup Fee paid by you to Keynoro, where applicable; or (b) the credit balance held in your Keynoro account at the time the claim arises.

Keynoro shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of revenue, loss of data, regulatory penalties, reputational harm, or client loss, even if Keynoro has been advised of the possibility of such damages.

Nothing in these Terms limits Keynoro's liability for fraud, wilful misconduct, or any liability that cannot be excluded under applicable British Columbia or Canadian law.

Keynoro reserves the right to modify, update, or discontinue the Service or any feature of it at any time. Where a change materially affects your use of the Service, Keynoro will provide at least thirty (30) days' written notice before the change takes effect.

Keynoro may update these Terms from time to time. Material changes will be communicated to you directly with at least thirty (30) days' notice. Continued use of the Service after the effective date of updated Terms constitutes your acceptance of them.

These Terms are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Service shall be submitted to the exclusive jurisdiction of the courts of British Columbia. You consent to personal jurisdiction in British Columbia for this purpose.

Before commencing legal proceedings, both parties agree to attempt to resolve any dispute informally by written notice to the other party, allowing thirty (30) days for good-faith resolution.

Entire Agreement: These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and Keynoro regarding the Service.

Severability: If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary, and remaining provisions continue in full force.

Waiver: No waiver is effective unless made in writing. Keynoro's failure to enforce any provision does not constitute a waiver of its right to do so in the future.

Assignment: You may not assign your rights or obligations under these Terms without Keynoro's prior written consent. Keynoro may assign its rights without restriction.

Notices: Notices to Keynoro must be sent to info@keynoro.ca. Notices to you will be sent to the email address registered to your account.

Force Majeure: Keynoro is not liable for any delay or failure to perform resulting from causes beyond its reasonable control, including disruptions to Anthropic's API, internet outages, natural disasters, or government actions.