CollectDoc Terms of Service

By creating an account or using CollectDoc, you agree to be bound by these Terms of Service. If you do not agree, do not use the platform.

CollectDoc is operated by Digital Eclipse Studio Inc., a corporation incorporated in Ontario, Canada. These terms constitute a legally binding agreement between you and Digital Eclipse Studio Inc.

CollectDoc is intended for licensed mortgage professionals operating in Canada. By creating an account you confirm that you are a licensed mortgage broker or agent in good standing with your provincial regulator.

CollectDoc provides a secure document collection portal that allows mortgage brokers to request, collect, and organize client documents. The platform automates follow-up reminders via email and SMS on the broker's behalf.

CollectDoc is a tool to assist brokers in their workflow. It does not provide mortgage advice, legal advice, or compliance certification of any kind.

You are responsible for maintaining the confidentiality of your account credentials. You are responsible for all activity that occurs under your account.

You agree to provide accurate information when creating your account and to keep that information up to date. You may not share your account with another person or entity.

As a broker using CollectDoc you agree to:

• Use the platform only for lawful purposes related to your mortgage brokerage practice
• Ensure your clients have been informed that a third-party tool is being used to collect their documents
• Obtain any consent required under applicable Canadian privacy laws, including PIPEDA, before submitting client contact information to CollectDoc
• Not upload, request, or store documents you are not legally entitled to collect
• Not use CollectDoc to collect documents on behalf of any person or entity other than your own licensed brokerage clients

You acknowledge that CollectDoc processes client data solely on your instruction. As the data controller, you bear primary responsibility for ensuring your use of CollectDoc complies with applicable privacy laws.

CollectDoc stores uploaded documents according to the following rules:

• When you mark a job as complete, all documents associated with that job are permanently and immediately deleted from our servers.
• If a job is not marked complete, all associated documents are automatically and permanently deleted 3 months after the job creation date.

You are solely responsible for downloading and saving any documents you need before marking a job complete or before the 3-month deletion window expires. CollectDoc is not liable for any loss of documents resulting from deletion under these terms.

CollectDoc offers the following paid plans billed monthly:

• Growth Plan: $25/month (Founder Pricing)
• Pro Plan: $40/month (Founder Pricing)

Payments are processed securely through Stripe. By providing payment information you authorize CollectDoc to charge your payment method on a recurring monthly basis until you cancel.

Founder Pricing Guarantee

If you subscribe during the founder pricing period, your rate is locked in for the lifetime of your active subscription. If CollectDoc raises prices in the future, your rate will not increase as long as your subscription remains active and in good standing. If you cancel and later resubscribe, standard pricing at the time of resubscription will apply.

No Refunds

All payments are final and non-refundable. CollectDoc offers a free tier that allows you to fully experience the platform before upgrading. By choosing to subscribe to a paid plan you acknowledge that you have had the opportunity to evaluate the product and agree that no refunds will be issued.

Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. You will retain access to your paid plan until that date.

We reserve the right to suspend or permanently terminate your account at any time, with or without notice, if we believe in our sole discretion that you are:

• Using CollectDoc for any unlawful purpose
• Engaging in fraudulent activity
• Violating these Terms of Service
• Acting in a way that could harm CollectDoc, its infrastructure, or other users
• Misrepresenting your identity or licensing status

Upon termination all data associated with your account will be deleted. CollectDoc is not liable for any loss resulting from account termination.

To the maximum extent permitted by applicable law, Digital Eclipse Studio Inc. shall not be liable for:

• Any loss, corruption, or deletion of documents stored on the platform
• Any claim made by a broker's client regarding the handling of their personal information by the broker
• Any indirect, incidental, special, or consequential damages arising from your use of CollectDoc
• Any interruption or unavailability of the platform

Your use of CollectDoc is at your own risk. The platform is provided on an "as is" and "as available" basis.

Brokers are solely responsible for ensuring their clients have consented to the use of a third-party document collection tool. CollectDoc processes client data solely on the broker's instruction and in accordance with our Privacy Policy, available at collectdoc.ca/privacy.

If a broker's client raises a complaint about the handling of their personal information by the broker, that is the broker's responsibility to address. CollectDoc's obligations are limited to the secure storage and timely deletion of documents as described in these terms and our Privacy Policy.

CollectDoc and all associated branding, design, and technology are the property of Digital Eclipse Studio Inc. You may not copy, reproduce, or reverse engineer any part of the platform.

You retain ownership of all documents uploaded through CollectDoc. By uploading documents you grant CollectDoc a limited license to store and process them solely for the purpose of providing the service.

We may update these terms from time to time. When we do, we will notify active accounts by email and update the effective date at the top of this document. Continued use of CollectDoc after an update constitutes acceptance of the revised terms.

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these terms shall be resolved in the courts of Ontario.

Digital Eclipse Studio Inc. Operating as: CollectDoc Ontario, Canada info@digitaleclipse.ca