Terms of Use

These Terms of Use (these "Terms") are a legal agreement between you and Bree Technologies Ltd. ("Bree", "we", "us", or "our") governing your access to and use of Bree's website, mobile application, account portal, Financial Insights subscription, and related platform features (collectively, the "Platform").

These Terms are intended to govern platform access and use. They do not govern the terms of any line of credit, draw, repayment obligation, fee, statement, default, collection matter, credit reporting, dispute process, or other credit-product obligation. Those matters are governed by the applicable credit agreement, disclosure statement, payment authorization, and other credit documentation that you accept separately with the applicable credit provider, which may be a third-party lender, one of Bree's subsidiaries or affiliates, or another financing partner made available through the Platform (collectively, the "Credit Agreement").

1. Acceptance of These Terms

By accessing or using the Platform, creating an account, purchasing a subscription, or otherwise indicating your acceptance, you agree to be bound by these Terms. If you do not agree, you must not access or use the Platform.
You represent that you are a resident of Canada, have reached the age of majority in your province or territory of residence, are capable of forming a binding contract, and are not prohibited by law from using the Platform. Some Platform features may not be available in all provinces or territories, or with all financial institutions, cards, devices, or payment methods.

2. Relationship to Other Agreements

These Terms govern platform and subscription matters. The Credit Agreement governs credit-product matters and may be between you and a credit provider other than Bree, including a Bree subsidiary, Bree affiliate, or another third-party lender; Bree Technologies Ltd. is not a party to, or responsible for obligations under, any Credit Agreement unless it is expressly identified as a party to that Credit Agreement.. Bree's Privacy Policy explains how Bree collects, uses, discloses, retains, and protects personal information. If there is a conflict, the Credit Agreement controls for credit-product matters, the Privacy Policy controls for personal-information matters, and these Terms control platform and subscription matters.

3. Changes to These Terms

We may change these Terms from time to time by posting the revised Terms, providing notice through the Platform, or using another legally permitted notice method. The revised Terms will apply from the effective date stated in the notice or posted version.

Where required by applicable law, we will provide advance notice and any cancellation or refusal rights required by that law. For Quebec consumers, if a unilateral change increases your obligations or reduces our obligations under these Terms, we will provide written notice at least 30 days before the change comes into force and you may refuse the change and cancel the affected contract without cost, penalty, or cancellation indemnity by notifying us no later than 30 days after the change comes into force.

Changes to a Credit Agreement or Privacy Policy are governed by those documents and applicable law, not this section.

4. Privacy

Our Privacy Policy explains our personal-information practices and is available at https://www.trybree.com/privacy-policy. Please review it carefully. These Terms do not restate all privacy consents, rights, or practices.

5. Accounts and Account Security

You may need to create a Bree account to access certain Platform features. You agree to provide accurate, current, and complete information and to promptly update it if it changes. Your account is personal to you, and you may not sell, transfer, share, or allow another person to use it without our prior written consent.

You are responsible for maintaining the confidentiality of your login credentials and for activity that occurs through your account. You must promptly contact us if you believe your account, login credentials, email address, phone number, linked bank account, or payment method has been compromised or used without authorization.

You represent that you are authorized to provide and use each email address, phone number, bank account, card, payment method, login credential, device, and other account or identity information that you provide or connect through the Platform, including any joint account or shared payment method.

6. Identity Verification, Bank Linking, and Third-Party Services

To use certain Platform features, we may ask you to verify your identity, connect a bank account, connect a payment method, or provide other information. We may refuse, restrict, suspend, or terminate access to a feature if we cannot verify required information, if a supported connection is unavailable, if information appears inaccurate or incomplete, or if we identify a risk, fraud, compliance, or security concern.

Bank-linking and account-data services may be provided by third-party providers such as Flinks, Plaid, or another supported provider. By connecting a financial account, you direct the applicable provider to collect and share account information with Bree so Bree can provide Platform features, support account verification, operate Financial Insights, and, where applicable, support separately governed credit-product processes.

Third-party providers may have their own terms and privacy policies. Bree does not control and is not responsible for a third party's systems, terms, privacy practices, data accuracy, downtime, or decision to support or stop supporting a financial institution, card, or payment method.

Information displayed through the Platform may be based on the most recent information available to Bree or its providers. It may be delayed, incomplete, inaccurate, or not reflect pending transactions or recent activity. Bree does not continuously monitor your bank account balance and is not responsible for bank fees, missed payments, overdrafts, or financial decisions you make based on Platform information.

Bree may provide tools intended to improve visibility into cash flow, balances, recurring payments, or other financial activity, but Bree does not guarantee that the Platform will prevent overdrafts, insufficient-funds charges, over-limit fees, missed payments, declined transactions, or other fees or consequences imposed by your financial institution, card issuer, biller, or another third party.

7. Financial Insights Subscription

Bree may offer a paid subscription for access to Financial Insights and other non-credit subscription features (the "Financial Insights Subscription"). The current subscription fee is $2.99 per month plus applicable taxes, unless another price is disclosed to you before you subscribe.

The Financial Insights Subscription is not a credit product, is not a fee for credit, and is not required to apply for or receive any credit product. Purchasing, using, cancelling, or failing to pay for the Financial Insights Subscription does not affect credit approval, credit limits, available credit, draw eligibility, funding speed, repayment-date options, customer support, good standing, or future credit access.

We may offer a 30-day free trial. If you accept a free trial, you may cancel at any time before the trial ends to avoid subscription billing. After the trial ends, the Financial Insights Subscription renews monthly until cancelled.

You may cancel the Financial Insights Subscription at any time through the Platform or by contacting support@trybree.com. Cancellation stops future subscription billing, and unless we disclose otherwise, you may continue using paid subscription features until the end of the then-current billing period. Subscription fees are non-refundable except where charged in error, not authorized, or required by applicable law.

We may change the Financial Insights Subscription, including its features, price, billing cadence, trial availability, and eligibility, by providing notice as required by these Terms and applicable law. If you do not agree to a subscription change, your remedy is to cancel the Financial Insights Subscription before the change applies, subject to any additional rights provided by law.

Financial Insights is not a substitute for reviewing your bank statements, card statements, bills, account balances, payment due dates, or other financial obligations directly with the applicable financial institution, card issuer, biller, or service provider.

8. Subscription Billing and Payment Method Verification

When you provide a payment method for the Financial Insights Subscription, you authorize Bree and its payment processors to charge that payment method for recurring subscription fees, applicable taxes, and any corrections of erroneous subscription charges or credits. You represent that you are authorized to use each payment method you provide.

If a subscription payment is declined or cannot be processed, we may retry the charge and may suspend, restrict, or terminate access to the Financial Insights Subscription until payment is made or the subscription is cancelled. This section does not authorize repayment of any credit product. Credit-product payment authorizations are governed by the Credit Agreement and related payment authorizations.

When you add or update a Visa or Mastercard debit card on the Platform, you authorize Bree or its payment processor to verify the card by placing a temporary authorization hold that is later voided or reversed. Current verification hold amounts are $0.01 for Visa and $1.01 for Mastercard. The hold is for verification only and is not a subscription fee, loan repayment, tip, express funding fee, finance charge, or payment to Bree. The timing for release may depend on the card issuer, card network, and processor. Contact support@trybree.com if a verification hold is posted or is not released as expected.

These Terms do not create a bank-account pre-authorized debit authorization except where Bree separately presents and you separately accept a valid pre-authorized debit authorization for a non-credit subscription payment method.

9. Credit Products

Bree may make a line of credit or other credit product available through the Platform. Credit products are subject to approval, availability, eligibility, separate disclosures, and the applicable Credit Agreement. The Credit Agreement may be between you and a credit provider other than Bree, including a Bree subsidiary or affiliate or another third-party lender. Where Bree is not the lender, Bree's role may be limited to operating the Platform, supporting account access, facilitating communications or technology services, and performing other services described in the applicable documents.

Using the Platform or purchasing a Financial Insights Subscription does not guarantee approval, a credit limit, a draw, funding speed, or future credit access. All credit-product terms, including any line of credit, draw, repayment, fee, tip, expedited funding option, default, statement, collection, payment authorization, credit-reporting disclosure, refund, error-resolution process, or credit-product dispute, are governed by the applicable Credit Agreement and disclosure statement, not these Terms.

Bree does not guarantee that any particular credit provider, financing partner, credit product, credit limit, draw option, funding method, or related service will remain available through the Platform. Credit providers and financing partners may be added, removed, replaced, or changed from time to time, subject to applicable law and the terms of any applicable Credit Agreement.

10. Referrals, Promotions, and Offers

Bree may offer referral programs, promotional offers, discounts, rewards, affiliate offers, or other limited-time programs. Additional terms may apply and will control if they conflict with these Terms for that program. Bree may modify, suspend, or end a program as permitted by its terms and applicable law.

Without limiting the generality of the foregoing, Bree may offer a referral program that allows eligible users to invite new customers to apply for Bree products or services using a unique referral link made available through the Platform. To qualify for a referral reward, the referred person must be a first-time Bree user, must sign up using the referrer's unique link, and must apply for and be approved for an eligible credit product or other eligible product or service identified in the applicable referral offer.

If the referral conditions are met, the referrer and the referred user may receive the reward described in the applicable offer. If the reward is a credit-limit increase or other credit-related benefit, it remains subject to the applicable Credit Agreement, underwriting, eligibility requirements, account standing, and approval by the applicable credit provider. Referral rewards have no cash value, are non-transferable, and do not guarantee loan approval, a particular credit limit, a draw, funding speed, or future credit access.

You may not abuse, manipulate, or misrepresent your eligibility for any referral, promotion, offer, or reward. Bree may withhold, reverse, cancel, modify, suspend, or terminate referral or promotional benefits obtained through fraud, misuse, ineligible activity, duplicate accounts, or violation of these Terms.

11. Electronic Communications, SMS, and Push Notifications

​You consent to receive Platform-related communications electronically, including by email, SMS, telephone, push notification, in-app message, account notice, or posting through the Platform. Electronic communications may include account notices, security alerts, subscription notices, payment-method verification messages, service updates, and support communications.

Credit-product notices and communications may be provided under the Credit Agreement. Privacy notices and privacy-rights communications may be provided under the Privacy Policy.

If you provide an email address or phone number, you represent that it belongs to you and that you are permitted to receive communications at that address or number. You must promptly update your account if your contact information changes. Standard message, data, and carrier rates may apply.

Marketing communications will be sent only where permitted by law and, where required, with your consent. You may unsubscribe from marketing communications using the unsubscribe method provided in the message or by contacting us. Even if you opt out of marketing, we may still send non-marketing service, account, security, transactional, or legally required communications.

12. Platform Ownership and License

The Platform and all content, data, reports, analytics, forecasts, interfaces, software, code, databases, designs, graphics, trademarks, logos, product names, service names, and other materials on or generated by the Platform, including Financial Insights outputs, are owned by Bree, its affiliates, licensors, or service providers and are protected by intellectual-property and other laws.

Subject to these Terms, Bree grants you a personal, limited, revocable, non-exclusive, non-transferable license to access and use the Platform for your own personal, non-commercial use. Bree reserves all rights not expressly granted.

You may not copy, reproduce, distribute, sell, sublicense, modify, create derivative works from, reverse engineer, decompile, scrape, harvest, train models on, commercially exploit, or make available any Platform content, Platform feature, or Platform technology except as expressly permitted by Bree in writing.

13. Acceptable Use​

You may use the Platform only for lawful, personal, non-commercial purposes and in accordance with these Terms. You must not use the Platform to commit or facilitate fraud, identity theft, unauthorized transactions, account takeover, unlawful activity, or any activity that harms Bree, another user, a third party, or the Platform.

You must not provide false, inaccurate, incomplete, or misleading information; create, register, or use duplicate accounts to bypass limits, controls, eligibility requirements, account restrictions, subscription requirements, credit limits, credit-product availability, repayment obligations, risk reviews, fraud controls, or compliance processes; use another person's identity, email address, phone number, bank account, debit card, payment method, or credentials without authorization; or interfere with identity verification, bank-linking, card-verification, subscription, referral, promotional, security, risk, or compliance systems.

You must not introduce malware, overload or disrupt the Platform, attempt to gain unauthorized access, probe or test security without authorization, use bots or automated tools without permission, harvest information about other users, or otherwise interfere with Platform operation.

14. Third-Party Links and Services

The Platform may contain links to or interoperate with third-party websites, applications, platforms, financial institutions, card networks, payment processors, data providers, analytics providers, communication providers, affiliate partners, or other services. Bree does not control third-party services and is not responsible for their content, accuracy, availability, security, terms, or privacy practices.

A link to or integration with a third-party service does not mean that Bree endorses that service or that the third party endorses Bree. Your use of third-party services may be governed by the third party's own terms and policies.

If you download or access the Platform through an app store or distribution platform, your use of the application may also be subject to that platform's terms and policies. The app store or distribution platform is not responsible for providing maintenance or support for the Platform, handling claims relating to the Platform, or addressing disputes between you and Bree, except to the extent required by applicable app-store terms or law.

15. No Advice and No Reliance​

The Platform, including Financial Insights, is provided for informational and educational purposes only. It is not financial, legal, tax, accounting, credit, investment, budgeting, or other professional advice. You should use your own judgment and consult qualified professionals before making financial or other decisions.

Financial Insights and other Platform information may be based on third-party data, linked-account data, estimates, rules, models, or assumptions that may be delayed, incomplete, inaccurate, or not reflect pending transactions or recent activity. Bree does not guarantee that Platform information will identify every bill, expense, balance issue, overdraft risk, payment obligation, or financial event.

16. Platform Disputes and Subscription Refunds

​If you believe you were charged a Financial Insights Subscription fee incorrectly or have a non-credit Platform issue, contact support@trybree.com and include your name, account contact information, the amount at issue, and a description of the issue. We will review the matter and may request additional information.

Subscription fees are non-refundable except where charged in error, not authorized, or required by applicable law. Credit-product disputes, statement errors, unauthorized credit-product payments, repayment issues, tips, expedited funding fees, and related refunds are handled under the Credit Agreement. Privacy requests and complaints are handled under the Privacy Policy.

17. Suspension and Termination

We may suspend, restrict, or terminate your access to all or part of the Platform or Financial Insights Subscription, with or without notice, if we believe you violated these Terms, provided false information, misused the Platform, created risk for Bree or others, failed to pay subscription fees, or if suspension or termination is needed for security, fraud prevention, legal, regulatory, operational, or compliance reasons.

You may stop using the Platform at any time and may request account closure by contacting support@trybree.com, subject to identity verification, legal retention, fraud-prevention, compliance, accounting, dispute, security, and operational requirements. Bree may retain records and information as needed for those purposes and as otherwise permitted or required by applicable law. Cancelling a Financial Insights Subscription, closing a Platform account, or suspension or termination of Platform access does not cancel or reduce obligations under any Credit Agreement.

Sections that by their nature should survive termination will survive, including sections addressing ownership, no advice, disputes, limitation of liability, indemnification, governing law, document hierarchy, and obligations owed before termination.

18. Disclaimers

Except to the extent required by law, the Platform and all Platform content and features are provided on an "as is" and "as available" basis, without warranties or conditions of any kind, whether express, implied, statutory, or otherwise, including warranties or conditions of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, reliability, security, or error-free operation.

Bree does not guarantee that the Platform will be uninterrupted, secure, current, accurate, complete, or free of errors, viruses, or harmful code. You are responsible for your own device, internet connection, data security, and decisions based on Platform information.

19. Limitation of Liability

To the maximum extent permitted by applicable law, Bree and its affiliates, directors, officers, employees, agents, contractors, service providers, licensors, suppliers, successors, and assigns will not be liable for any indirect, incidental, special, consequential, punitive, exemplary, aggravated, or economic damages, or for loss of profits, revenue, goodwill, data, use, savings, or business opportunity, arising out of or relating to the Platform or these Terms, even if advised of the possibility of such damages.

To the maximum extent permitted by applicable law, Bree's total liability arising out of or relating to the Platform or these Terms will not exceed the greater of the subscription fees you paid to Bree for the Financial Insights Subscription in the 12 months before the event giving rise to liability and CAD $100.

Nothing in these Terms limits or excludes liability, warranties, remedies, or rights that cannot be limited or excluded under applicable law. Loan-specific liability, repayment risk, and credit-product rights and obligations are governed by the Credit Agreement.

20. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Bree and its affiliates, directors, officers, employees, agents, contractors, service providers, licensors, suppliers, successors, and assigns from and against claims, demands, proceedings, losses, liabilities, damages, judgments, costs, and expenses, including reasonable legal fees, arising out of or relating to your breach of these Terms, misuse of the Platform, violation of law, unauthorized use of another person's information or payment method, fraud, or infringement or violation of another person's rights.

21. General Terms

These Terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-laws principles, except to the extent the mandatory consumer-protection laws of your province or territory of residence apply.

Subject to mandatory law, you and Bree agree to submit to the exclusive jurisdiction of the courts of Ontario for disputes arising out of or relating to the Platform or these Terms. To the extent permitted by law, you waive any right to participate in a class action or jury trial relating to the Platform or these Terms.

Bree will not be liable for delay or failure to perform caused by events beyond its reasonable control, including network failures, service-provider failures, labour disputes, emergencies, epidemics, natural disasters, acts of government, war, terrorism, cyberattacks, power outages, or other force majeure events.

You may not assign or transfer these Terms or your rights or obligations under them without Bree's prior written consent. Bree may assign or transfer these Terms as part of a merger, acquisition, financing, corporate reorganization, sale of assets, or by operation of law, subject to applicable law.

If any part of these Terms is found invalid, illegal, or unenforceable, that part will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in effect. Bree's failure or delay in enforcing a provision is not a waiver. Headings are for convenience only.

These Terms, together with any subscription terms or program terms that expressly apply to the Platform feature you use, form the entire agreement between you and Bree for platform and subscription matters. The Credit Agreement remains the entire agreement for credit-product matters between you and the applicable credit provider, which may be Bree, a Bree subsidiary or affiliate, or another third-party lender. The Privacy Policy governs personal-information matters.

22. Contact

If you have questions about these Terms or the Platform, contact Bree at support@trybree.com. Privacy-related questions or requests should be directed to the contact listed in the Privacy Policy. Credit-product questions should be directed through the contact methods provided in the applicable Credit Agreement or through Bree support, as applicable.