Terms of Service

Effective Date: June 10, 2026  |  Last Updated: June 10, 2026  |  Version: 1.0

1. Acceptance of Terms

Welcome to CitySettle! These Terms of Service ("Terms") govern your access to and use of the CitySettle mobile application, website, and services (collectively, the "Service").

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

Important: These Terms include a dispute resolution provision (Section 10) that requires disputes to be resolved through binding arbitration on an individual basis, not in court or through class actions.

2. Eligibility

2.1 Age Requirement

You must be at least 13 years old to use CitySettle. By creating an account, you represent and warrant that you meet this age requirement.

If you are under 18, you represent that your parent or guardian has consented to these Terms and that you have permission to use the Service.

2.2 Legal Capacity

You must have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

2.3 Geographic Restrictions

CitySettle is intended for users in Canada. While you may access the Service from other locations, you are responsible for compliance with local laws.

3. User Accounts

3.1 Account Creation

To use certain features, you must create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain the security of your account
  • Promptly update your information if it changes
  • Not create accounts for the purpose of violating these Terms

3.2 Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access
  • Using a strong, unique password

We reserve the right to suspend or terminate accounts that show signs of unauthorized access.

3.3 Account Types

CitySettle offers different account types:

  • Personal accounts: For individual users
  • Business accounts: For service providers and businesses (may include additional features and fees)

4. User Conduct and Content

4.1 Prohibited Conduct

You agree not to:

  • Violate any applicable laws or regulations
  • Infringe on the intellectual property rights of others
  • Post content that is defamatory, obscene, or harmful
  • Harass, threaten, or discriminate against other users
  • Impersonate another person or entity
  • Use the Service for spam, phishing, or fraudulent activities
  • Attempt to gain unauthorized access to the Service or other accounts
  • Interfere with or disrupt the Service or servers
  • Use automated tools (bots, scrapers) without our permission
  • Engage in any activity that violates our Privacy Policy

4.2 User Content

You retain ownership of content you post ("User Content"). By posting content, you grant CitySettle a non-exclusive, worldwide, royalty-free license to:

  • Use, reproduce, and display your content
  • Modify your content for technical purposes (e.g., formatting, resizing)
  • Distribute your content through the Service

This license allows us to operate and improve the Service. You can delete your content at any time, which will remove it from public view.

4.3 Content Responsibility

You are solely responsible for your User Content. You represent that:

  • You own or have the necessary rights to post the content
  • The content does not violate these Terms or any third-party rights
  • The content complies with all applicable laws

4.4 Content Moderation

We reserve the right to:

  • Remove content that violates these Terms
  • Suspend or terminate accounts that repeatedly violate these Terms
  • Report illegal content to law enforcement

We do not pre-screen User Content and are not responsible for the content posted by users.

5. Intellectual Property

5.1 CitySettle IP

The CitySettle name, logo, design, and features are owned by CitySettle and protected by intellectual property laws. You may not copy, modify, or distribute our intellectual property without permission.

5.2 Feedback

If you provide feedback or suggestions, you grant us the right to use them without compensation or restriction.

6. Payments and Transactions

6.1 Payment Processing

If you use paid features (e.g., promoted listings, premium subscriptions):

  • Payments are processed by Stripe, our third-party payment processor
  • You agree to Stripe's terms of service
  • We do not store your payment card information

6.2 Fees and Taxes

  • All fees are listed in Canadian dollars (CAD) unless otherwise stated
  • You are responsible for all applicable taxes
  • Fees are non-refundable unless required by law

6.3 Disputes with Other Users

CitySettle is a platform that connects users. We are not responsible for:

  • Disputes between users
  • The quality of goods or services offered by users
  • Transactions between users

If you have a dispute with another user, we encourage you to resolve it directly. We may assist in communication but are not obligated to do so.

7. Disclaimers

7.1 Service Availability

The Service is provided "as is" and "as available." We do not guarantee:

  • Uninterrupted or error-free operation
  • That the Service will meet your requirements
  • That the Service will be available in your location

7.2 No Professional Advice

CitySettle provides general information, not professional advice. For legal, financial, medical, or other professional matters, consult a qualified professional.

7.3 Third-Party Links

The Service may contain links to third-party websites. We are not responsible for the content or practices of these websites.

8. Limitation of Liability

8.1 Exclusion of Damages

To the maximum extent permitted by law, CitySettle is not liable for:

  • Indirect, incidental, special, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages arising from your use of the Service

8.2 Liability Cap

Our total liability for any claim arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

8.3 Exceptions

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such cases, our liability is limited to the maximum extent permitted by law.

9. Indemnification

You agree to indemnify and hold harmless CitySettle, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:

  • Your use of the Service
  • Your User Content
  • Your violation of these Terms
  • Your violation of any third-party rights

10. Dispute Resolution

10.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at support@citysettle.com and attempt to resolve the dispute informally for at least 30 days.

10.2 Binding Arbitration

If informal resolution fails, disputes will be resolved through binding arbitration under the rules of the Arbitration Committee of the Canadian Bar Association. Arbitration will take place in Toronto, Ontario, Canada.

You waive the right to:

  • Go to court
  • Participate in a class action
  • Serve as a private attorney general

10.3 Small Claims Exception

You may bring a claim in small claims court if your claim qualifies and is within the court's jurisdiction.

10.4 Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

11. Termination

11.1 Termination by You

You can terminate your account at any time by:

11.2 Termination by Us

We may suspend or terminate your account if:

  • You violate these Terms
  • You engage in fraudulent or illegal activity
  • You fail to pay fees when due
  • Your account has been inactive for an extended period

11.3 Effect of Termination

Upon termination:

  • Your right to use the Service ceases immediately
  • We may delete your User Content (subject to our Privacy Policy)
  • Provisions of these Terms that by their nature should survive termination will remain in effect

12. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by:

  • Posting the updated Terms in the App
  • Sending you a push notification or email
  • Updating the "Last Updated" date at the top

Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.

13. General Provisions

13.1 Entire Agreement

These Terms (together with the Privacy Policy) constitute the entire agreement between you and CitySettle regarding the Service.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.

13.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

13.4 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger or acquisition.

13.5 Contact Information

If you have questions about these Terms, contact us at:

Email: support@citysettle.com
Privacy Officer: privacy@citysettle.com

By using CitySettle, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.