Upstream Living | upstreamhomes.ca

Effective date: June 27, 2026

1. General information only

The information provided on this website by Canvergence Investment Solutions Inc., operating as Upstream Living (“Upstream,” “we,” “us,” or “our”) is for general informational and educational purposes only and is provided on an “as is” and “as available” basis. While we make reasonable efforts to keep the information accurate and current, we do not represent or warrant that the information or the website content is free from errors, omissions, viruses, or other harmful components, and we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information for any purpose.

2. Not professional advice

Nothing on this website, and no communication from us through this website (including emails, chats,videos, calculators, guides, tools, or other resources), constitutes financial, legal, tax, mortgage, real estate,

accounting, or investment advice, and it should not be relied upon as a substitute for advice from a qualified professional. Your circumstances are unique. Before making any decision related to your finances, housing, or participation in our rent-to-own homeownership program (the “Program”), you should obtain independent advice from professionals who are licensed and qualified to advise you in your province or territory of residence.

3. No guarantee of results

Participation in the Program does not guarantee that you will qualify for a mortgage, purchase a home, or achieve any particular financial outcome. Mortgage approval and home purchase outcomes depend on factors outside our control, including your financial situation, lender criteria, applicable laws and regulations, and market conditions at the time of purchase. Any outcomes, case studies, scenarios, or projections described on this website reflect possibilities only and are not representations, warranties, or guarantees of future results.

4. Eligibility, approval and binding agreements

Participation in the Program is subject to eligibility requirements, our review and approval in our sole discretion, and the execution of separate written agreements between you and us and, where applicable, third parties such as lenders or property owners. The terms of those agreements, not the content of this website, will govern your participation in the Program and any rent-to-own, lease, or purchase arrangements. You should read all such agreements carefully and seek independent legal advice before signing.

5. Illustrative figures and examples only

Any figures, scenarios, timelines, projections, or examples shown on this website (including payment schedules, rent credits, savings estimates, and potential home prices) are illustrative only. They are intended to help explain generally how the Program works and do not constitute a quote, an offer, or any representation or warranty of your individual results. Actual amounts, costs, benefits, and timelines will vary based on your circumstances, the property, lender requirements, and the specific terms of your agreements.

6. No offer of securities or investment

Nothing on this website is, or should be construed as, an offer to sell or a solicitation of an offer to buy any security or investment, and nothing on this website should be interpreted as investment advice, a recommendation, or an invitation to invest. Any opportunity involving an investment in or alongside the Program or Canvergence Investment Solutions Inc. is offered, if at all, only to eligible parties through separate documentation and in compliance with applicable Canadian securities laws and any other applicable laws and regulations.

7. Real estate and market risk

Real estate values can rise and fall, and the housing and mortgage markets are subject to conditions that are outside our control, including interest rates, lending criteria, economic conditions, government policies, and local market factors. We do not guarantee any increase in property value, the availability or terms of mortgage financing, or any particular market condition during or after your participation in the Program.

8. Testimonials and past performance

Any testimonials, reviews, case studies, or success stories shared on this website reflect the experiences of specific individuals at particular points in time. They are not a guarantee that you will achieve similar results. Your experience, financial outcomes, and housing results may differ, and past performance is not indicative of future results.

9. External links and third-party content

This website may contain links to or content from third-party websites, resources, and service providers. These links and references are provided for convenience only. We do not control, endorse, or adopt any third-party content, and we are not responsible or liable for the content, accuracy, availability, security, or practices of any third-party website or service. If you choose to access third-party websites or services, you do so at your own risk and subject to their terms and privacy policies.

10. No guarantee of uninterrupted access; errors and changes

We may update, correct, limit, suspend, or change the content or availability of this website at any time without notice. We do not guarantee that the website will be available at all times or free from interruptions, errors, or technical issues. To the fullest extent permitted by applicable law, we are not liable for any errors or omissions in the website content or for any loss, damage, or costs of any kind arising from or related to your access to, inability to access, or reliance on the information provided here.

11. Limitation of liability

To the fullest extent permitted by applicable law, in no event will Upstream, Canvergence Investment Solutions Inc., or any of their directors, officers, employees, agents, or affiliates be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, or for any loss of profits, loss of opportunity, or loss of data, arising out of or in connection with your use of this website, your reliance on any information provided on this website, or your participation or attempted participation in the Program, even if we have been advised of the possibility of such damages. Without limiting the foregoing, our total aggregate liability for any claim arising out of or related to this website or the Program will, where permitted

by law, be limited to the amount, if any, that you paid to us to access this website.

12. Governing law

This Disclaimer and your use of this website are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to any choice-of-law or conflict-of-law rules.

13. Contact us

If you have questions about this Disclaimer or the Program, please contact us:

Canvergence Investment Solutions Inc. o/a Upstream Living

Mailing address: Unit 139 – 4111 Hastings Street, Burnaby, BC V5C 2J3

Email: info@upstreamhomes.ca