Terms of Service

Elite Tenants offers two related services:

• Tenant credit-building. We detect monthly rent payments through your read-only bank connection, verify them against your lease, and keep a record of verified payments. Credit-bureau reporting has not started and we have never reported any tenant to a credit bureau. We have asked a Canadian credit bureau to evaluate us as a data supplier. We have not been approved and there is no agreement under which we may report. We do not undertake that reporting will ever begin, or that any payment recorded before it begins will be reported. If reporting ever begins we will name the bureau in these Terms and notify you before any of your data is sent.
• Tenant screening. Prospective tenants complete a screening (identity, address history, employment, income, declarations, optional bank income verification) and authorise a credit-report inquiry from TransUnion Canada for that application only. The applicant may see the inquiry when they view their own credit file, and we reuse the report for 90 days rather than request a new one, unless the applicant asks us to delete it. We compute a proprietary “Elite Score” and share the resulting screening report with the specific landlord or property manager that invited the tenant or whose listing the tenant applied to.

We are not a credit bureau, lender, financial institution, money services business, payment processor, or property manager. We do not extend credit and we do not insert ourselves into the landlord-tenant relationship; rent collection is not offered through the Service today, and if it is offered in future it will be governed by separate terms and processed by a regulated payment provider.

To use the Service you must:

• Have reached the age of majority (18, or 19 in British Columbia, New Brunswick, Newfoundland and Labrador, Nova Scotia, the Northwest Territories, Nunavut and Yukon) and have the legal capacity to enter into a binding contract. When you are screened for a rental home, the age of majority is the one in the province or territory where the home is; otherwise it is the one where you live. One exception: from age 16, you may be screened for a rental home before you reach that age if an adult co-signer (guarantor) is on your application. In Ontario, a 16- or 17-year-old who has withdrawn from parental control is screened as an adult and does not need a co-signer. The credit-building service and credit-bureau reporting are available only once you have reached the age of majority.
• Be a resident of Canada.
• Provide accurate, current, and truthful information; promptly update it when it changes.
• For the credit-building service: be a tenant party to a valid residential lease.
• For the landlord/property-manager side: have legal authority to manage the rental properties you list and to invite applicants.

Creating an account with materially false information is a breach of these Terms and grounds for immediate termination.

• You are responsible for all activity on your account.
• You must keep your login credentials confidential and notify us immediately at security@elitetenants.com if you believe your account has been compromised.
• Two-factor authentication is enforced on all administrative accounts. Landlord and property-manager accounts that access credit data are required to enable it and are prompted to enrol. Tenants are strongly encouraged to enable 2FA.
• You may not share your account, sell access, or use the Service on behalf of another person without that person’s explicit consent recorded through our platform.

• You authorise us to detect rent payments via your read-only bank connection and to record verified on-time and missed rent payments in the Metro 2 format. Reporting to a Canadian credit bureau begins only after our furnisher onboarding with that bureau is complete and you have given a separate, dated credit-reporting consent that names the bureau; until both have happened nothing about you is sent to any credit bureau, and we do not promise an activation date.
• You confirm that any lease you upload is a genuine, unaltered copy of a signed agreement for a property you currently rent, and that the rent amount, lease dates and names of the parties you enter match that lease. Uploading a forged or altered document, or entering figures that do not match your lease, is a material breach of these Terms, grounds for immediate termination, and may be an offence under the Criminal Code of Canada.
• To check that the lease you upload matches what you entered, we send the document to our AI provider (OpenAI, in the United States) for automated extraction of the parties, address, rent amount and lease term. Where that check, your bank connection and your identity data all agree, your lease may be approved without a person reviewing it; anything flagged is reviewed by an Elite Tenants reviewer, and you may ask for a manual review at support@elitetenants.com.
• You will notify us within 14 days if you move, change rental arrangements, or your lease ends, by updating your account or emailing support@elitetenants.com.
• You will maintain an active bank connection so that we can detect payments. When your bank asks for a one-time code, you will need to sign in again through the link we send, or that month cannot be verified. If the connection breaks, reporting may pause until you reconnect.
• We do not accept self-reported payments. Only payments we detect from your bank feed and verify against your lease are eligible for reporting.
• We cannot guarantee a specific change in your credit score. Bureau scoring methodologies vary and depend on many factors outside our control.
• Records already submitted to a bureau cannot be unilaterally withdrawn by us. You may dispute any reported item under Section 8.
• If we cannot detect or verify a payment, no data is reported for that month while we continue looking, and we will email you that the month is at risk. A month is only reported as late once the rent is 30 or more days past due.
• Late months are reported at the level of delinquency actually reached — 30 days, then 60, then 90 and beyond if the rent stays unpaid. A single late month is not reported as a charge-off or write-off. We report a write-off only where we have separately determined the amount to be uncollectable, and never merely because time has passed.
• You will be given an opportunity to dispute before any late status is finalised in a bureau submission, and you may dispute any reported month afterwards under Section 8.

• Screening is initiated by your acceptance of an invitation from a specific landlord, property manager or realtor, or by your own use of a public apply link.
• You will provide complete, accurate, and current information through the screening wizard. Submitting false information is a breach of these Terms and may also be an offence under provincial Consumer Reporting legislation.
• Before we pull a credit report from TransUnion Canada, you will see and must explicitly consent to the screening consent text, which is versioned and recorded with your IP address, user-agent, and timestamp.
• Screening reports are issued only for applicants and properties in provinces and territories where we are permitted to issue them: the Service is not offered in Quebec, Nova Scotia, or Prince Edward Island, and in any province that requires consumer reporting agencies to register we issue no screening report until our registration there has been granted, with the screening held in the meantime.
• We share the resulting screening report only with the landlord, property manager or realtor identified in the invitation or apply link. We share it with anyone else only if you approve that person by name in your account, for one rental application, for no more than 30 days. You may withdraw that approval at any time; that stops the link but cannot undo what the person has already seen. Each landlord requires your fresh consent.
• Renter Passport. You may build a Renter Passport in your account: your verified identity, your credit band from a credit check you requested, your rent payments we verified, an affordability band and the month you joined. It is your own profile, not a tenant screening. We show it only to a person you name in your account, for one rental decision, for 7, 14 or 30 days as you choose, after that person confirms they are deciding your application. It never carries your income figure or your exact credit score; a landlord who wants a full screening asks for your consent and your income is verified then. You may withdraw any Passport link at any time; that stops the link but cannot undo what the person has already seen. In Ontario the credit band is withheld from recipients until our consumer reporting registration is settled.
• Your screening consent is specific to the landlord (or realtor) and unit named in the request. It does not carry to any other landlord and does not authorise any further credit inquiry. You may withdraw it at any time by emailing privacy@elitetenants.com; withdrawal does not recall a report already delivered to that landlord but ends further use of your information for that screening.
• We keep the credit report for 90 days from the date it is requested and the screening report for 90 days after the decision, or after submission where no decision is made, then purge them as described in the Privacy Policy. If you apply to another property through Elite Tenants within those 90 days, we normally reuse the report rather than request a new one, unless you have asked us to delete it.
• A short written summary of your results is generated by an AI service (OpenAI) from the figures in your report; your credit report itself, your SIN and your bank transactions are not sent to it.
• You may ask the landlord, or us, for the name and address of the consumer reporting agency whose report was used, and you may obtain your own file from TransUnion Canada and dispute inaccuracies with it directly (1-800-663-9980). If a landlord declines you and credit information was a factor, we send you an adverse-action notice by email under Section 9. Where the report reached the landlord through a realtor or through a share you approved, we are not told the landlord’s decision and cannot send that notice; you may ask the landlord whether credit information was a factor.
• If we cannot match you at the credit bureau (TransUnion returns “no hit”), we will ask you to verify your full legal name, date of birth, and current address and resubmit. After a second consecutive no-hit, your screening will be placed on hold and our support team will assist you.
• If your bank income link is missing or unavailable, we may ask you to briefly explain your income arrangement. An admin will then contact you to verify income through alternative means (e.g. paystubs or bank letter).

These covenants are the Landlord Data-Sharing Agreement. Landlords and property managers, and each team member they add, accept them expressly when they set up or join their account; they bind every landlord, property-manager and realtor account as terms of these Terms.

• You will not share, sell, re-disclose or retain tenant reports beyond what is required to make the rental decision, and you will delete or destroy any copies you have downloaded once the decision is made.
• You will comply with the human rights code of your province. You will not discriminate on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, gender identity, gender expression, age, marital status, family status, disability, or receipt of public assistance.
• You confirm that you are the landlord, property manager or an authorised agent for the units you list, that you have the legal right to request tenant screening for them, and that every person you add to your account is your authorised staff member or agent.
• You may invite tenants for screening only for legitimate, lawful tenant-screening purposes related to a specific rental unit you have authority to lease.
• You will use any screening report you receive only for the specific rental decision for which it was obtained. You will not use it for any other purpose, share it with any third party, or aggregate it with other tenant data.
• You will retain screening reports only for the duration permitted under the applicable provincial Consumer Reporting Act (in Ontario, no longer than seven years) and will securely destroy them at the end of that period.
• You will comply with the applicable provincial Consumer Reporting Act. Where credit information has been a factor in a decline, you will tell the applicant, on request, the name and address of the consumer reporting agency. That is your own statutory obligation and it is not discharged by the adverse-action notice we send on your behalf.
• You will not use screening data to make decisions on grounds prohibited by the federal Canadian Human Rights Act or any applicable provincial human-rights legislation.
• You will keep your account credentials secure and enable 2FA. You will not allow unauthorised personnel to view tenant screening data.
• You will not attempt to circumvent the rate-limits or audit-logging on the Service.
• You agree that breach of any of these covenants is a material breach and grounds for immediate termination, and that we may report serious breaches to the relevant bureau and to applicable regulators.

• Some features of the Service require a paid subscription. Pricing is shown in the application before you commit. All amounts are in Canadian dollars (CAD) and exclusive of applicable taxes unless stated otherwise.
• Subscriptions are billed via Stripe. By subscribing you authorise Stripe to charge your payment method on the agreed cadence.
• You may cancel at any time through the in-app billing controls; cancellation takes effect at the end of the current billing period.
• We do not refund partial billing periods unless required by law.
• If a payment fails, we will retry up to three times over seven days. Continued failure may result in suspension of the paid features (e.g. pausing of credit-bureau reporting) until payment is resolved.
• We may offer free, discounted, or trial plans at our discretion.
• We may change pricing on at least 30 days’ notice. If you do not accept a price change, you may cancel before it takes effect.

If you believe a rent payment has been reported incorrectly to a bureau (wrong amount, wrong month, missed payment we failed to detect, or a payment reported on someone else’s file), you have the right to a free, prompt investigation:

• Email disputes@elitetenants.com with your account email, the month in question, and any supporting bank records.
• We will acknowledge your dispute within 5 business days and assign a case number.
• We will investigate and respond with our determination within 30 days.
• If our investigation determines the report was in error, we will submit a Metro 2 correction record to the relevant bureau(s) within 5 business days of our determination.
• You may also dispute directly with TransUnion Canada (1-800-663-9980).

If a landlord declines a rental application based in whole or in part on a screening report we provided, you will receive an adverse-action notice from us by email identifying the credit bureau whose data was used (TransUnion Canada), informing you of your right to obtain a free copy of your credit report from that bureau, your right to dispute inaccurate information, and providing the contact details for the relevant provincial human rights tribunal if you believe the decision was made on a prohibited ground.

You agree not to:

• Use the Service for any unlawful, fraudulent, or deceptive purpose.
• Submit, upload, or transmit information that is false, infringing, or that you do not have the right to share.
• Impersonate any person or misrepresent your affiliation with any person or entity.
• Pull credit on any person without their explicit, freshly captured consent through our platform.
• Attempt to access, probe, or test the security of the Service or other accounts; bypass rate limits; reverse-engineer the Service.
• Use the Service to develop or train any competing product or any machine-learning model.
• Scrape, harvest, or extract data from the Service by automated means.
• Resell, sublicense, or otherwise commercialise data obtained through the Service except as expressly contemplated by your role (e.g. a landlord using a screening report for the rental decision for which it was obtained).
• Share account credentials or use another user’s account without authorisation.
• Use the Service in any manner that could damage, disable, overburden, or impair it.

The Service, including its software, design, branding, content, and the Elite Score methodology, is owned by Elite Tenants Inc. and protected by Canadian and international intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purpose. No other rights are granted.

You retain ownership of all content you submit (e.g. your lease document). By submitting content you grant us a non-exclusive, royalty-free licence to use, store, process, and disclose that content solely for the purpose of providing the Service.

You may not use our trade marks, logos, or branding without our prior written consent.

The Service is provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the maximum extent permitted by applicable law. We do not warrant that the Service will be uninterrupted, error-free, secure, or that defects will be corrected.

Without limiting the foregoing, we do not warrant:

• That credit-bureau data we receive from TransUnion Canada is accurate, complete, or current — we present what the bureau provides.
• That a particular landlord will approve or decline any application based on a screening report.
• That a particular change in your credit score will result from credit-building activity.
• That third-party services (Plaid, Stripe, Inverite, the bureaus, email delivery, etc.) will be available or perform without delay.

Some jurisdictions do not allow the disclaimer of certain warranties, so portions of this section may not apply to you.

To the maximum extent permitted by applicable law, in no event will Elite Tenants, its directors, officers, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of goodwill, or loss of business opportunities, arising out of or relating to your use of, or inability to use, the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for all claims arising out of or relating to these Terms or the Service is limited to the greater of (a) the amounts you paid to us for the Service in the twelve months immediately preceding the event giving rise to the claim, or (b) one hundred Canadian dollars (CAD $100).

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law (for example, liability for fraud, gross negligence, or wilful misconduct).

You agree to indemnify, defend, and hold harmless Elite Tenants and its directors, officers, employees, and agents from and against any third-party claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of these Terms.
• Your violation of any law or the rights of any third party.
• For landlords, your use of any screening report inconsistent with the Landlord Data-Sharing Agreement, Section 6 of these Terms, or applicable Consumer Reporting or human-rights legislation.
• For tenants, any false or misleading information you submit.

You may close your account at any time through Settings or by emailing support@elitetenants.com. We will process the closure within 30 days, subject to retention obligations described in our Privacy Policy.

We may suspend or terminate your account at our discretion, with or without notice, if we reasonably believe that you have:

• Materially breached these Terms or the Landlord Data-Sharing Agreement.
• Provided false, inaccurate, or fraudulent information.
• Engaged in fraud, abuse, or any conduct that creates legal or reputational risk for us or other users.
• Failed to pay subscription fees after reasonable retry attempts.

Sections that by their nature should survive termination (including Sections 11–14, 16, 17, and 18) will survive.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles.

Informal resolution. Before filing any legal claim, you agree to first contact us at support@elitetenants.com with a written description of the dispute. We will attempt to resolve it informally within 60 days.

Courts. Subject to the foregoing, any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be brought exclusively in the courts of the Province of Ontario, Canada, and you submit to the personal jurisdiction of those courts. Nothing in this section prevents you from making a complaint to the Office of the Privacy Commissioner of Canada or any other regulator with jurisdiction.

Class actions. Each party agrees that any dispute will be brought only in your or our individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding, except where such waiver is unenforceable under applicable law.

We may update these Terms from time to time. Whenever we do, we update the version number and the last-updated date at the top of this page.

Changes that affect you adversely. If we make a material change that reduces your rights, increases your obligations, or changes what you pay, we will notify registered users by email at least 30 days before that change takes effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not accept the change, you must stop using the Service before it takes effect.

Corrections. If we find that something in these Terms describes the Service inaccurately, and in particular if it states or implies that we will do something we are not able or not entitled to do, we will correct it as soon as we find it. A correction of that kind takes effect immediately rather than after 30 days, and we will notify registered users by email without delay, telling you what the statement used to say and what it says now. Holding an inaccurate statement in place for 30 days would not protect you. It would only keep a promise in front of you that we cannot keep.

Version 2.5, dated September 21, 2026, is a correction of that kind. It removes the undertaking in section 1 that verified rent payments will be reported to a credit bureau once an evaluation process completes, and the statement that months recorded before then are included when reporting begins. Credit-bureau reporting has not started, we have never reported any tenant to a credit bureau, and we are not able to promise that any month recorded now will ever appear on a credit file.

Version 2.7, dated September 30, 2026, is a correction of that kind for two statements in section 5: a screening may be requested by a realtor, and we cannot send a decline notice where a report reached the landlord through a realtor or through a share you approved. It also describes report sharing, which applies only when you approve a named person.

Version 2.8, dated October 12, 2026, adds the Renter Passport to section 5. It is an optional feature you start yourself; nothing changes for you unless you build one.

If you reside in Quebec, additional rights and protections under the Quebec Civil Code, Quebec Law 25, and other Quebec consumer-protection legislation may apply to you. Nothing in these Terms reduces or waives those rights. In case of conflict between these Terms and Quebec mandatory law, Quebec mandatory law prevails to the extent of the conflict.

• Entire agreement. These Terms, together with our Privacy Policy and any additional terms agreed in-app (such as the Landlord Data-Sharing Agreement and the screening consent text), are the entire agreement between you and us regarding the Service.
• Severability. If any provision is held unenforceable, the remaining provisions remain in full effect.
• No waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms to a successor in connection with a merger, acquisition, or sale of all or substantially all of our assets.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices. We will give notice by email to the address on file. You may give us notice at support@elitetenants.com or by mail at our registered office.
• Language. The parties have requested that these Terms and all related documents be drawn up in English. Les parties ont demandé que la présente convention et tous documents qui s’y rattachent soient rédigés en anglais.

Elite Tenants Inc.
122-64 Hurontario St, Collingwood, ON L9Y 2L6, Canada
support@elitetenants.com — General support
disputes@elitetenants.com — Credit-reporting disputes
privacy@elitetenants.com — Privacy requests
security@elitetenants.com — Security incidents