Terms of Use

What Knokk is

Knokk gives Canadian mortgage agents and brokers one link, their front door page, where clients can book a call, start the broker's own mortgage application, send documents, use calculators and contact the broker. Brokers manage their page in Settings and can see visit and tap stats.

Knokk is software. We do not give mortgage advice, we are not a lender or a mortgage brokerage, and we do not decide on any mortgage.

Getting access

Access is by invitation. You can request access on knokk.ca, and we switch brokers on one at a time. We may decline or delay a request for any reason. To use Knokk as a broker you must be at least 18, hold a valid licence to deal in mortgages in your province, and give us accurate details.

Fees

We will agree any fees with you before your account is switched on. We will not charge you for anything you have not agreed to.

Your account

You sign in with your email, using a sign-in link or a 6-digit code. Keep your email account secure, since anyone who can read it can sign in as you. You are responsible for what happens in your account. Tell us right away at hello@knokk.ca if you think someone else has used it.

Your responsibilities as a broker

• You are responsible for your licensing and regulatory duties, including those set by FSRA in Ontario and by regulators in other provinces.
• You are responsible for your relationship with your clients, the advice you give them and what your page says.
• You must have the consent you need from clients for how you use Knokk, and follow Canadian privacy law and Canada's anti-spam law (CASL).
• The application link, questions, photos, logos and text you add must be accurate, and you must have the right to use them.
• You are responsible for the outside services you connect, such as Finmo, Google, Microsoft and Zoom, and for following their terms.

Client information

Information your clients share through your page belongs to you and your clients. We process it on your behalf only to run Knokk, as described in our Privacy Policy. We will not use it to market to your clients or contact them for our own benefit.

For clients using a broker's page

The broker whose page you are on is responsible for their advice and services. Knokk only provides the page. Calculator results are estimates for general information, not an offer or approval. Talk to your broker before making any decision.

Fair use

Do not:

• Break the law or anyone's rights using Knokk.
• Upload harmful files, or content that is false, misleading or that you have no right to share.
• Try to get into accounts or data that are not yours, or test, probe or get around our security.
• Copy, scrape, resell or reverse engineer Knokk, or use it to build a competing product.
• Share your sign-in with anyone else.

Outside services

Knokk works with services run by other companies, such as Google, Microsoft, Zoom and Finmo. We are not responsible for those services, their availability or the data they hold. If one of them changes or stops working, parts of Knokk may stop working too.

Our property

We own Knokk, including its software, design and name. We give brokers a limited, non-transferable right to use Knokk for their own mortgage business while their account is active. You keep ownership of the content you add. You let us use it only to run your page and the service. If you send us ideas or feedback, we may use them without owing you anything.

Availability and changes

We work to keep Knokk running, but we do not promise it will always be available or free of errors. We may change, add or remove features. We will give brokers notice of changes that matter to them when we can.

Ending your account

You can stop using Knokk at any time by emailing hello@knokk.ca. We may suspend or close an account if you break these terms, lose your licence, or put clients, other brokers or the service at risk. Where we can, we will tell you first. When an account closes, your page stops working and we handle your information as described in our Privacy Policy.

Disclaimers

Knokk is provided "as is" and "as available". To the extent the law allows, we make no promises beyond those in these terms, including any promise that Knokk suits a particular purpose. Calculator results are estimates and are not financial, legal or mortgage advice.

Limits on our liability

To the extent the law allows, we are not liable for indirect or consequential losses, such as lost profits, lost clients, lost data or missed opportunities, or for problems caused by outside services or by how you or your clients use Knokk. Our total liability for any claim is limited to the fees you paid us in the 12 months before the claim, or $100, whichever is greater.

Indemnity

If you are a broker and a claim is made against us because of your page content, your advice or services to clients, your breach of these terms, or your breach of the law, you agree to cover our reasonable losses and legal costs from that claim.

Governing law

These terms are governed by the laws of Ontario and the federal laws of Canada that apply there. Any dispute will be handled in the courts of Ontario.

Changes to these terms

We may update these terms. We will post the new version here with a new effective date and email brokers about important changes before they take effect. If you keep using Knokk after that, the new terms apply.

General

These terms and our Privacy Policy are the whole agreement between us about Knokk, unless we sign something else with you. If part of these terms cannot be enforced, the rest still applies. If we do not enforce a term right away, we have not given it up. You may not transfer your account without our written consent. We may send notices to you by email.

Contact

Questions about these terms? Email hello@knokk.ca. Mudrick Technologies Inc., Ontario, Canada.