terms and conditions

Table of content

Last updated: April 08, 2025

Philer Inc. T&C

These terms and conditions (“Agreement”) establish the general terms of use for the philer.ai website (“Website”), the “Philer” mobile application (“Mobile Application”), and any related products and services (collectively, “Non-Legal Services”). Non-Legal Services encompass all Philer products or services available via the Website or Mobile Application, excluding legal services provided by partner law firms or lawyers, which are separate legal entities. This Agreement forms a legally binding contract between you (“User,” “Visitor,” “you,” or “your”) and Philer Inc. (doing business as “philer,” “we,” “us,” or “our”). By accessing and using the Non-Legal Services, you confirm that you have read, understood, and agreed to the terms of this Agreement.

Non-Legal Services Disclaimer

The content provided on the Philer Inc. blog, as well as any other information available through our Website or Mobile Application, is intended for general informational purposes only. It should not be considered accurate, up-to-date, or suitable for any specific purpose or legal advice.

This information is not tailored to your individual legal circumstances and does not constitute legal advice. You should not act or refrain from acting based on any content found on the Website or Mobile Application.

Do not disregard or delay seeking professional legal advice due to something you have read on the Website or Mobile Application. Past results, articles, case studies, or other materials presented do not guarantee similar outcomes in future legal matters. We strongly recommend consulting a qualified legal professional for advice specific to your situation

Philer Inc. And Partner Lawyers

Philer Inc. is not a law firm, although you may choose to enter into an engagement for legal services with our Partner Lawyers, which are a separate entity accessible via the website secure.philer.ai. When you first access philer.ai, you are on the Philer Inc. website. You will have options to access the blog, to learn more about pricing for Partner Lawyer’s’ services, and to access other non-legal services. Until you engage Philer Inc.’s Partner Lawyers for legal services, we refer to you as a “Visitor.” When you enter an engagement with a Partner Lawyer by accepting the terms in their Engagement Letter, they will refer to you as a “Client”. These terms and conditions apply to Visitors and are only to your use of the Non-Legal Services. You may encounter Non-Legal Services even after accepting the terms of the Partner–Lawyer Engagement Letter. These Non-Legal Services include offers from our marketing partners, and recommendations to make your home ownership journey a success. These Non-Legal Services, and your use of these features is governed by these Terms & Conditions, not the Engagement Letter.

Informational Purposes Only

The content on our blog page and information provided anywhere else on our Website or Mobile Application should not be relied upon as accurate, timely or fit for any particular purpose.

Information made available on the Website or Mobile Application is not directly generated for your legal matter, and is for informational purposes only. It is not, and should not be taken as legal advice. You should not rely on, or take or fail to take any action, based upon this information. Never disregard professional legal advice or delay in seeking legal advice because of something that you have read on elsewhere on the Website or Mobile Application. Prior results, articles, and case studies or other materials available on the Website or Mobile Application do not guarantee a similar outcome in future representation. You are advised to seek specific legal advice in relation to your specific legal issues.

Account Registration and Access

You must be at least 18 years old to use Philer’s Non-Legal Services. By using these services and agreeing to these Terms, you confirm that you meet this requirement.

If you create an account on the Website, you are responsible for keeping it secure and for all activity under your account. We may, but are not required to, review new accounts before allowing access to the Non-Legal Services. Providing false contact information or false information of any kind may lead to account termination.

You must notify us immediately of any unauthorized use of your account or security breach. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

We may suspend, disable, or delete your account if you violate these Terms or act in a way that harms Philer Inc.’s reputation and goodwill. If your account is deleted for such reasons, you may not re-register for Philer’s Non-Legal Services, and we may block your email and Internet Protocol address to prevent further access.

Pricing and Invoice Policy

You agree to pay all fees for services based on the prices and billing terms in place when payment is due. We may update our pricing or services at any time. However, if you have an ongoing engagement, your fees will not change during that engagement unless the services you require change.

If you sign up for Non-Legal Services with auto-renewal, your payment method will be charged automatically based on the renewal term you selected.

Philer’s Risks & Responsibilities

You access and download content from Philer at your own risk. Philer cannot and does not guarantee or warrant that the Website or Mobile Application are compatible with your computer systems or that the Website or Mobile Application will be free of viruses, worms, trojan horses or disabling devices or other code that manifests contaminating or destructive properties.

It is your responsibility to use appropriate security measures to protect your device. Philer is not responsible for any damage, repairs, or service costs that may result from using the Website or Mobile Application.

Philer’s Backup & Recovery Promise

Philer Inc. performs regular backups of the Website and its Content and will do our best to ensure completeness and accuracy of these backups. In the event of hardware failure or data loss we will restore backups automatically to minimize the impact and downtime.

Content Accuracy & Revisions

From time to time, the Non-Legal Services that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions and offers. We reserve the right to correct any errors and update the information on the Non-Legal Services that is inaccurate at any time without prior notice.

No specified refresh date applied on the Non-Legal Services should be taken to indicate that all information on the Non-Legal Services or Non-Legal Services has been modified or updated.

Third-Party Providers

Philer uses third-party service providers to deliver Non-Legal Services, all of which are SOC 2 compliant and meet strict information security standards. We do not work with any provider that is not SOC 2 compliant.

If you choose to access or use third-party services, you do so governed under their own terms and conditions. Philer does not endorse, control, or take responsibility for these services, including their content, data practices, or your interactions with them. You waive any claims against Philer when related to these services, and we are not liable for any loss or damage resulting from your use of them.

You may need to register or log in separately to use such services. By enabling them, you give Philer permission to share your data as needed to support their use.

External Links

The Non-Legal Services may contain links to external resources, such as websites or mobile apps, but we do not endorse, sponsor, or affiliate with these resources unless explicitly stated. Some links may be “affiliate links,” meaning we may receive a commission if you make a purchase. We do not evaluate or warrant the offerings or content of these third parties and assume no liability for their actions, products, or services. You should review the legal terms of any external resource you access through these links. Your linking to any other off-site resources is at your own risk.

Restricted Uses

In addition to other terms as set forth in the Agreement, you are prohibited from using the Non-Legal Services or Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Non-Legal Services, third party products and services, or the Internet; (h) to spam, phish, pharm, pretext, spider, crawl, or scrape; (i) for any obscene or immoral purpose; or (j) to interfere with or circumvent the security features of the Non-Legal Services, third party products and services, or the Internet. We reserve the right to terminate your use of the Non-Legal Services for violating any of the prohibited uses.

Intellectual Property Rights

“Intellectual Property Rights” refers to all current and future rights under statute, common law, or equity related to copyrights, trademarks, designs, patents, inventions, goodwill, and other intellectual property rights, whether registered or unregistered, including applications and rights to apply for such rights globally. This Agreement does not transfer to you any intellectual property owned by Philer Inc. or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with Philer. All rights, titles, and interests in such property remain solely with Philer. Trademarks, service marks, graphics, and logos associated with the Non-Legal Services are either Philer’s or its licensors’ trademarks. Your use of the Non-Legal Services does not grant you the right to use or reproduce any Philer or third-party trademarks.

Services At Your Own Risk

You agree that the Non-Legal Services are provided “as is” and “as available,” and your use of them is at your own risk. We disclaim all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the Non-Legal Services will meet your requirements, be uninterrupted, secure, error-free, or yield specific results. We also do not warrant the accuracy or reliability of any information obtained through the services, nor that any defects will be corrected. You acknowledge that any material or data downloaded through the Non-Legal Services is done at your own risk, and you are responsible for any resulting damage or data loss. We make no warranty regarding goods or services purchased through the Non-Legal Services, unless stated otherwise. No advice or information from us, oral or written, will create any warranty not explicitly stated.

Limits on Liability

We will not be liable to you or any third party for any losses, damages, charges, or costs arising from (i) input errors made by you; (ii) omissions in the data you provide; or (iii) content you post and publish to the Site.

To the fullest extent permitted by applicable law, under no circumstances will we be liable to you or any third party for :

(i) direct damages in an amount that exceeds the total amount previously paid by you to us in the 12 month period preceding the event from which the liability arose, if you or the third party (as applicable) are located outside of the Province of Ontario;

(ii) direct damages in an amount that exceeds $2,500 in the aggregate or the total amount previously paid by you to us in the 12 month period preceding the event from which the liability arose, whichever is greater, if you or the third party (as applicable) are located inside of the Province of Ontario; and

(iii) any indirect, special, incidental, consequential, punitive or exemplary damages whether based in contract, tort, negligence or any other legal basis, arising out of or in connection with the Website or Non-Legal Services; provided, however this limitation of liability shall not apply to any fraud, criminal misconduct, wilful misconduct, gross negligence or malicious or dishonest acts or omissions

Subject to the limitations and exclusions of liability in (a) and (b) above, in the event of a data breach on our system, caused by a negligent act by Philer Inc. That resulted in the disclosing of your personal information to a third party, we will provide you with reasonable identity theft protection services on terms and conditions determined by us in our sole discretion.

You agree that the above limitations and exclusions of liability are reasonable given the commercial circumstances outlined in these Terms, and that we have relied on these limitations and exclusions when agreeing to these Terms.

Legal Validity

All rights and restrictions in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable. If any provision or part of a provision is deemed illegal, invalid, or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect, reflecting the parties’ agreement on the subject matter

Dispute Jurisdiction

The formation, interpretation, and performance of this Agreement, as well as any disputes arising from it, shall be governed by the laws of Ontario, Canada, and, where applicable, the laws of Canada, without regard to conflict of law principles. The exclusive jurisdiction and venue for any legal action related to this Agreement shall be the courts located in Ontario, Canada, and you consent to the personal jurisdiction of these courts. You waive any right to a jury trial in any proceeding related to this Agreement. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.

Transfer of Rights

You may not assign, resell, sub-license, or transfer any of your rights or obligations under this Agreement, in whole or in part, without our prior written consent, which we may grant or deny at our sole discretion. Any unauthorized assignment or transfer will be considered void. We may assign our rights and obligations, in whole or in part, to any third party as part of a sale of all or substantially all of our assets or stock, or in the event of a merger.

Changes And Amendments

Philer Inc. reserves the right to modify this Agreement, or its terms related to the Non-Legal Services, at any time. When changes are made, we will update the date at the top of this page and notify you via email. We may also notify you through other means, such as using the contact information you’ve provided. The updated Agreement will take effect immediately upon posting, unless otherwise specified. Your continued use of the Non-Legal Services after the revised Agreement’s effective date will signify your acceptance of the changes

Access to Innovation (A2I) Program Participation

Philer is an active participant in the Law Society of Ontario’s (LSO) Access to Innovation (A2I) program. It is important for you to be aware of the following:

Philer is an LSO approved participant in A2I. More information about the Access to Innovation program is available online: https://lso.ca/about-lso/access-toinnovation
Philer’s participation in A2I, and the LSO’s approval, is limited to its operations of an online platform through which real estate law services are provided to users involved in residential real estate transactions in Ontario (the “Approved Services”);
There are important items that apply to Philer’s services and the LSO’s approval: (a)the LSO has not certified or endorsed the effectiveness of the Services; (b)Philer is not a law firm and is a business owned by non-lawyers. Some of the people who manage Philer are not lawyers or paralegals licensed and regulated by the LSO. (c)A lawyer who is licensed and regulated by the LSO oversees Philer’s delivery of the Approved Services; (d)Some of the people involved in the provision of Approved Services by Philer are not LSO Licensees. Accordingly, some service protections applicable to legal services provided by an LSO Licensee may be different or may not be available, including: a. any communications with or information provided to Philer may not be subject to solicitor-client privilege; b. Philer may be required under law to disclose information provided to it by the consumer, including to authorities or third parties; c. another party involved in the matter may be using the same Approved Services provided by Philer; and d. there is no statutory complaints process available for the Approved Services.
Philer Inc.’s Partner Lawyers or any law firm selected to collaborate with Philer Inc. will be a law firm that is owned and managed solely by LSO Licensee(s), and it is regulated by the LSO to the same extent as other law firms. Service protections applicable to legal services provided by partner law firms or lawyers are the same as would be available with other law firms including in respect of solicitor-client privilege, disclosure of information, conflicts, and statutory complaints.
The LSO is not responsible or liable for any claims, losses, damages, or matters arising from the advertising of Philer, the provision of Approved Services, the non-suitability of the Approved Services for the purposes intended, or any other quality, availability, or service issue, failure, or liability of the Approved Services or Philer.
To make a complaint about your experience with Philer, please contact Philer at the email address set forth at the bottom of these Terms. As part of philer’s participation in the A2I program, your personal information may be disclosed to the LSO to ensure Philer’s compliance with the terms of A2I and the evaluation of A2I by the LSO. By agreeing to these terms, you agree to the disclosure of your information to the LSO

Acceptance of these terms

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By accessing and using the Non-Legal Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to access or use the Non-Legal Services.

Contacting Philer Inc.

If you have any questions, concerns, or complaints regarding this Agreement, we encourage you to contact us using the details below: https://philer.ai/contact-us contact@philer.ai

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Philer is an authorized participant of
Access to Innovation (A2I) program by the
Law Society of Ontario.

Philer is an authorized participant of Access to Innovation (A2I) program by the Law Society of Ontario.