Terms of Service

Who these terms are with

CONTANNUITY™ is operated by 49Maple Inc., carrying on business as Etc. Projects, from Alberta, Canada. These terms are the agreement between you and us covering your use of the service at contannuity.ca.

By creating an account, making a purchase, or using the service you agree to them. If you do not agree, do not use the service.

They work alongside our Privacy Policy, which covers what we do with your information. Where the two documents overlap, the Privacy Policy governs anything about personal information.

This is a planning tool, not advice

The workflows, compliance flags and output documents produced by this tool are provided for practice guidance and planning purposes only. They do not constitute legal, regulatory, compliance, tax or investment advice.

Compliance obligations vary by licence type, product line, provincial jurisdiction and individual client circumstances. Nothing the product tells you replaces confirmation from your dealer or MGA compliance team, and the product says so throughout because it is the single most important limit on what it can do for you.

The regulatory material in the product is general information drawn from public sources. Rules change, proposals are withdrawn, and carrier practice differs from published policy. Treat it as a starting point for a conversation with your compliance team, not as a statement of your obligations.

You are responsible for what you enter and for the decisions you make from what comes out. A continuity plan is only as good as the information in it and how recently that information was confirmed.

Who the service is for

CONTANNUITY™ is sold to licensed financial advisors in Canada for use in their own practice.

By purchasing, you represent that you are acquiring the service for business purposes — the operation of your practice — and not as a consumer acquiring it for personal, family or household purposes. These terms are written on that basis.

The content is written for Canadian regulation and Canadian industry practice. It is not written for, and should not be relied on in, other jurisdictions.

An account is for one advisor. It is not to be shared between advisors, and access is not transferable.

Your account

Give us accurate information when you register, and keep it current — the email address on your account is how we reach you about your purchase, about changes to these terms, and about the service itself.

Keep your password to yourself. You are responsible for what happens under your account. If you think someone else has access to it, tell us and change your password.

What you pay

CONTANNUITY™ is a single payment of $99 CAD, plus GST/HST at the rate for your province, for one plan with the access described under “What lifetime access means” below. There is no subscription and no recurring charge.

Tax is calculated from the billing address you enter and added to the $99. The total shown at checkout before you confirm is what will be charged, in Canadian dollars, and our GST/HST registration number appears on the invoice.

Payment is processed by Stripe on its own pages. We never receive or store your card number.

We may change the price of the service in future. A change never affects a purchase you have already made.

Refunds

You can have your money back at any time before you generate your Catastrophic Event Plan, and in any case within 30 days of your purchase — whichever comes first.

Generating the plan is the point at which the thing you bought has been delivered, which is why the refund right ends there. The 30-day limit exists for the opposite case: if you buy and never generate a plan at all, the right does not stay open indefinitely.

To ask for a refund, email the address at the end of these terms. You do not need to give a reason and we will not ask for one. Refunds go back to the card used for the purchase; how quickly it appears is up to your bank, not us.

If the service failed to deliver what you paid for — the plan would not generate, the purchase did not unlock — that is not a refund question, it is a support question, and it is not subject to any of the limits above. Write to us and we will sort it out.

What “lifetime access” means

It means access for as long as we operate the service, with no recurring charge and no expiry date on your side. You can come back and update your plan as often as you like.

It does not mean we have promised to run the product forever, because nobody can honestly promise that. So here is what we do promise instead: if we ever discontinue the service, we will give you at least 30 days’ notice by email to the address on your account, and during that period you will be able to print and export everything you have entered.

Independently of that, your plan is printable and exportable at any time, and we recommend keeping a current printed copy somewhere your emergency contact can reach it. A continuity document that exists only inside one system is not really a continuity document — which is the argument the product itself makes.

Availability

We work to keep the service available and working, but we do not guarantee uninterrupted availability and we do not offer a service level commitment. The service may be unavailable during maintenance, or because of a failure somewhere in the infrastructure it depends on.

We may add, change or remove features. If we remove something you rely on in a way that materially reduces what you bought, treat it as a change to these terms and see the “Changes” section below.

What you enter stays yours

You own everything you enter — your answers, your notes, your plan and every field you fill in. We do not claim ownership of it.

You give us permission to store, process and display it for the purpose of running the service for you: building your plan, showing it back to you, and showing it to anyone you have explicitly chosen to share it with. That permission exists so the product can work, and it goes no further. We do not use your plan content for marketing, and we do not use it to train machine-learning models.

You are responsible for having the right to enter what you enter. Do not enter client names, account numbers, policy numbers, social insurance numbers, passwords or access codes — the product asks where things are kept, not what they are, and the Privacy Policy explains why that distinction matters.

What we own, and what you may do with it

The CONTANNUITY™ program — its materials, concepts, methodology, assessment questions, scoring model, plan structure and templates — is proprietary to 49Maple Inc. and licensed by Etc. Projects. CONTANNUITY™ is a trademark of 49Maple Inc.

You get a personal, non-exclusive, non-transferable licence to use those materials in your own practice, including using the plan you produce with your own emergency contacts, your compliance team and your MGA or dealer. That is what the product is for.

You may not copy, reproduce, resell, redistribute or publish the program materials themselves, or any part of them, without our prior written consent. The distinction is between the plan you produce, which is yours to use, and the system that produced it, which is not.

Acceptable use

While using the service, do not:

• Share your account, or let anyone else use your access.
• Attempt to reach data belonging to another user, or probe, scan or test the security of the service.
• Copy, scrape or systematically extract the program content, or use automated means to access the service other than as it is designed to be used.
• Reverse engineer, decompile or attempt to derive the source of the service, except to the extent the law expressly permits it.
• Resell, sublicense or provide the service to third parties as though it were your own.
• Upload malicious code, or use the service to do anything unlawful.
• Misrepresent the output as legal, regulatory or compliance advice, whether to a client, an MGA or a regulator.

If your access is sponsored

Some advisors reach CONTANNUITY™ through an MGA, dealer or network that sponsors their access. If that is you, your sponsor’s agreement with us governs how that sponsorship works, and these terms continue to govern your own use of the service.

What a sponsor can see is set out in the Privacy Policy, and the parts that go beyond the minimum are yours to grant, refuse and withdraw. Consent is optional and separate from your ability to use the product.

If you have purchased your own access, that purchase is attached to your account and is not affected by any sponsorship arrangement starting or ending.

Suspension and termination

We may suspend or end access to an account that breaches these terms, particularly the acceptable use section. Where the circumstances allow it, we will tell you first and give you a chance to put it right.

You can stop using the service whenever you like, and you can ask us to delete your account and its contents — the Privacy Policy explains how, and what survives deletion for tax purposes.

Before any account closes, you can print and export your plan. Please do; it is the copy that will still exist afterwards.

Limits on our liability

This section is the one to read carefully, because the failure it deals with is a serious one: a plan that turns out to be wrong at the moment somebody needed it.

The service is provided on an “as is” and “as available” basis. We do not warrant that the plan you produce will be accurate, complete, current, or sufficient for any regulatory or contractual obligation you have, and we do not guarantee any particular outcome in a continuity event. What the plan contains is what you put into it.

To the fullest extent the law allows, our total aggregate liability to you for all claims connected to the service is limited to the amount you actually paid us.

To the fullest extent the law allows, we are not liable for indirect, incidental, consequential, special or punitive damages, or for lost profits, lost business, lost revenue, lost data or lost opportunity — including any loss arising from a decision you or anyone else made on the basis of a plan produced with this tool.

None of this excludes or limits liability for fraud, fraudulent misrepresentation, or wilful misconduct, and none of it excludes any liability that cannot be excluded or limited under applicable law. Where a limit in this section is unenforceable, the rest of it still applies.

Changes to these terms

We may update these terms. The date at the top of this page is the date of the last substantive revision, and we keep it accurate.

If a change materially affects your rights, we will tell account holders by email before it takes effect rather than relying on you to notice. Continuing to use the service after a change takes effect means you accept it.

A change never retroactively alters the price you paid or the refund rights that applied to a purchase you had already completed.

Governing law

These terms are governed by the laws of the Province of Alberta and the federal laws of Canada that apply there. The courts of Alberta have jurisdiction over any dispute arising from them, and you and we each agree to that.

Contact

Refund requests, questions about these terms, and formal notices all go to the same address, and they reach a person rather than a queue.