Terms of Service

iPro Advisers Inc.

Effective date: 15 February 2012  ·  Last updated: 18 September 2026

1. Who we are and what this covers

iPro Advisers Inc. (“iPro”, “we”, “us”) provides a subscription platform for Canadian professional-service businesses: a public website, client records, follow-ups, email and marketing tools, and related features, delivered from one login.

These Terms are a contract between iPro and the person or business that subscribes (“you”, “the Subscriber”). You accept them by ticking the acceptance box during registration. That tick is intended to have the same effect as a signature on a written contract.

If you are accepting on behalf of a company or partnership, you confirm you are authorised to bind it, and “you” means that entity.

Separately, your own clients may be given access to a client portal. Their use is governed by these Terms as they apply to you; you remain responsible for the accounts you invite.

2. Your subscription

Packages. Features depend on the package you select. The current package list, the features in each, and the prices are shown at signup and in your billing area. We may add, change or withdraw features; where a change removes a material feature from your package we will tell you before it takes effect.

Fees. Subscriptions are billed monthly or annually in Canadian dollars, in advance, according to the package you chose. A one-time setup fee may apply, and may be waived for particular packages or periods — whichever applies to you is shown before you pay. All prices are exclusive of applicable taxes unless stated otherwise.

Payment. Payment is taken through PayPal, which is our only payment method. Your card or bank details are given to PayPal directly and are never received or stored by iPro. You authorise recurring collection of your subscription fee through PayPal until you cancel.

Price changes. We may change our fees. Except where a change is required by law or by a third party we depend on, we will give you at least one month’s notice, and the change will take effect at your next renewal after that notice.

Failed payments. If a payment fails, we may suspend access to your account until it is resolved. Your data is retained during suspension in line with section 8.

3. Cancelling, suspending and ending the subscription

You may cancel at any time, from your billing area or through PayPal. Cancellation stops future renewals immediately, and your access continues to the end of what you have already paid for.

Monthly plans: no further charges are made and no refund is issued for the month in progress; your access continues to the end of that month (plus a short grace period).

Annual plans cancelled early: the discounted annual rate is conditional on completing the year. If you cancel partway through, the months you used (including the month in progress) are recalculated at the regular monthly price, and the remainder of what you paid — including the proportional sales tax — is refunded to your original payment method. Where the refund works out to zero (typically from the tenth month on), your access instead continues to the end of the paid year. Where the payment processor can no longer accept a refund against the original transaction (processor time limits apply), we will offer the equivalent value as service credit instead. The applicable amounts are calculated automatically and shown to you when you cancel.

We may suspend or terminate your subscription if you materially breach these Terms, if your payment fails and is not resolved, or if we are required to by law. Except where the breach is serious enough to require immediate action (for example, unlawful use, or activity that threatens the platform or other subscribers), we will give you notice and a reasonable opportunity to fix the problem first.

We may discontinue the service as a whole. If we do, we will give subscribers at least 90 days’ notice, stop billing, and keep the export tools available throughout that period.

4. Your data, and who owns what

You own your content. Everything you put into the platform — your client records, your website text and images, your logo, your articles, newsletters and forms, and everything your clients submit to you — remains yours. Nothing in these Terms transfers ownership of it to iPro, and nothing in these Terms grants any licence in it to the public or to other subscribers.

The licence you give us is narrow and functional. You grant iPro a non-exclusive, worldwide, royalty-free licence to host, store, copy, transmit, back up, display and otherwise process your content only to the extent needed to operate the platform, keep it secure, support you, and provide the features you have enabled. It ends when your content is deleted, except for backup copies that expire on their normal cycle.

Content you publish is public because you published it. Your public website, and anything you post on it, is visible to anyone who visits. That is the point of the product. This is a consequence of your own publishing decisions, not a licence you have granted us.

You may take your data out at any time, while your subscription is active, using the export tools in the platform. We will not withhold your data as leverage in a billing or contractual dispute.

We own the platform. The software, interfaces, documentation, iPro branding, and the starter content, article libraries, calculators, form templates and page templates we supply remain ours or our licensors’. You may use the starter content on your own site, and edit it freely, for as long as you subscribe. You may not copy, resell, sublicense, reverse engineer, decompile or disassemble the platform itself, or extract our templates or content libraries for use outside it.

Feedback. If you send us suggestions about the product, we may act on them freely and without obligation to you.

5. Your clients’ personal information

Much of what you store in iPro is personal information about other people — your clients and your prospects. This creates a split of responsibility that both sides need to understand.

You are responsible for that information. You decide what to collect, why, and how long to keep it. You are responsible for having a lawful basis and any consent required to collect it, to store it in iPro, and to send email to the people in it. You are responsible for honouring your own clients’ requests to see, correct or delete their information.

We process it on your instructions. iPro handles that information to provide the platform to you. We do not sell it, rent it, or use it to market to your clients. We do not use it to build products for other subscribers. Our own handling of personal information is described in our Privacy Policy, which forms part of these Terms.

Email consent. The platform’s email tools maintain an unsubscribe and consent record, attach one-click unsubscribe headers, and suppress sending to anyone who has opted out. Those controls exist to help you comply with Canada’s Anti-Spam Legislation. They do not transfer that obligation to us. You must not use them to send unsolicited commercial email, and you must not upload lists you did not lawfully collect.

If you are in a regulated profession — insurance, financial advice, accounting, mortgage broking — your regulator’s rules on record-keeping, advertising and client confidentiality apply to what you do on this platform. We do not monitor for compliance with them, and using iPro is not a substitute for meeting them.

6. Acceptable use

You must not use the platform to:

• send unsolicited commercial email, chain letters, pyramid schemes or spam;
• defame, harass, threaten, stalk or impersonate anyone, or infringe anyone’s privacy;
• publish or transmit unlawful, obscene or knowingly false material;
• upload material that infringes someone else’s copyright, trademark or other rights, or that you do not have the right to use;
• upload malware, or anything designed to damage or gain unauthorised access to any system;
• probe, scan, overload or attempt to circumvent the platform’s security or access controls, or access another subscriber’s data;
• resell or provide the platform to third parties as your own service, except under a broker or team arrangement we have agreed in writing;
• harvest email addresses or other information about other subscribers or their clients;
• share your login, or let anyone else use your account. Each person who needs access needs their own credentials.

You are responsible for everything done through your account. Tell us promptly if you believe it has been compromised.

We may remove content or suspend access where we reasonably believe this section has been breached. We are not obliged to monitor content, and we do not pre-screen it.

7. Availability and support

We aim to keep the platform available continuously, and we monitor it, but no online service is available all the time.

Scheduled maintenance. We will give at least 24 hours’ notice of planned interruptions where practical. Notified maintenance is not downtime.

Downtime credit. If the platform is unavailable because of a fault in our software or our systems, and you report it to us, you may claim a credit against your subscription. The first 60 minutes of unavailability in a calendar month carries no credit. Beyond that, we will credit your account pro rata, up to a maximum of one month’s subscription fee in any month. This credit is your only remedy for unavailability.

Downtime does not include problems with your own internet connection, your device, your domain registrar, or a third-party service outside our control.

Support. Support is provided by email and through your portal during normal business hours, 9am to 5pm Eastern, Monday to Friday, excluding national holidays.

Third-party services. Some features depend on services we do not control — PayPal for payments, Microsoft for email delivery, Google for calendar sync, certificate authorities for SSL. An outage or policy change at one of those providers may interrupt the corresponding feature, and that is not downtime under this section.

8. Keeping and deleting your data

While your subscription is active, we keep your data so you can use it.

After you cancel, we keep your data for 30 days, so you can reactivate or export. You can ask us to delete it sooner. After that window we delete the account and its data, including uploaded files, on request or in the normal course.

When an account is deleted, deletion is thorough and not reversible: records, uploaded files, website content and mailing history go. Your public website stops resolving. We cannot recover it afterwards, so export first.

What survives deletion. We keep invoices, payment records and the minimum transaction history we are required to keep for tax and accounting purposes, and we may retain anonymised, aggregated operational statistics that do not identify you or your clients. Routine backups persist until they expire on their normal cycle.

9. Warranties and liability

We provide the platform “as is.” To the extent the law allows, we exclude all implied warranties, including merchantability, fitness for a particular purpose, title and non-infringement.

Content is not advice. The starter articles, newsletters, calculators and AI-generated suggestions the platform supplies are general information and drafting aids. They are not financial, insurance, mortgage, tax, accounting or legal advice, they may not reflect current law or rates, and they are not a substitute for your own professional judgement. You are responsible for reviewing anything the platform drafts or calculates before you put it in front of a client, and for the advice you give.

Limitation. To the extent the law allows, iPro is not liable for indirect, incidental, consequential, special, punitive or exemplary damages, or for lost profits, lost business, lost goodwill or lost or corrupted data, however caused.

Cap. To the extent the law allows, our total liability to you for all claims arising out of or relating to these Terms or the platform, whatever the cause of action, is limited to the amount you paid us in the 12 months immediately before the event giving rise to the claim.

What we do not exclude. Nothing in these Terms limits liability that cannot lawfully be limited, including for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

10. Indemnity

You will indemnify iPro against claims, damages, losses and reasonable legal costs brought by a third party and arising from: your content; your use of the platform in breach of these Terms or of law; your handling of your clients’ personal information; or advice you gave your clients. We will tell you promptly of any such claim, let you control the defence of it, and cooperate reasonably at your expense. You may not settle in a way that admits liability on our behalf or imposes obligations on us without our written consent.

11. Changes to these Terms

We may change these Terms. If a change materially affects your rights or obligations, we will give you at least 30 days’ notice by email to your account address or by a notice in the platform, and it will take effect at the end of that period. Other changes take effect when posted. The effective date at the top of this page always tells you which version is current.

If you do not accept a material change, your remedy is to cancel before it takes effect. Continuing to use the platform after that means you accept it.

12. General

Governing law. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there. You submit to the exclusive jurisdiction of the courts of Ontario, subject to any right you have as a consumer to bring proceedings where you live.

Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or to a successor in a merger, acquisition or sale of assets, on notice to you.

Severability. If a provision is unenforceable, it is modified to the minimum extent needed to make it enforceable, or severed, and the rest remains in force.

No waiver. A failure to enforce a provision is not a waiver of it.

Entire agreement. These Terms and the Privacy Policy are the whole agreement between us about the platform, and replace the previous Online Subscription Agreement and any earlier statements or representations.

Contact. Questions about these Terms: privacy@iproadvisers.com  ·  iPro Advisers Inc., 3230 Yonge Street, Suite 2005, Toronto, ON M4N 3P6.