Upstream Living | upstreamhomes.ca

Effective date: June 27, 2026

1. Acceptance of these terms

These Terms of Use govern your access to and use of the website at upstreamhomes.ca, including any content, features, forms, tools, and services made available on or through the website (collectively, the “Website”), operated by Canvergence Investment Solutions Inc., operating as Upstream Living (“Upstream,” “we,” “us,” or “our”). By accessing or using the Website, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you must not access or use the Website.

2. About the Website

The Website provides general information about Upstream and our rent-to-own homeownership program (the “Program”). The Website is provided for informational and educational purposes only, and its content may be updated, corrected, removed, or changed at any time without notice.

3. Eligibility

You must be at least the age of majority in your province or territory of residence to use the Website or to express interest in the Program. By using the Website, you represent and confirm that you meet this requirement.

4. No advice and no offer

Nothing on the Website constitutes financial, legal, tax, mortgage, real estate, accounting, or investment advice, and nothing on the Website should be relied upon as a substitute for advice from qualified professionals. Nothing on the Website constitutes an offer to sell, a solicitation of an offer to buy, or an invitation to enter into any agreement, to buy or sell any property, to participate in the Program, or to invest in any opportunity. Any participation in the Program is subject to eligibility requirements, our review and approval, and the execution of separate written agreements. Please review our Disclaimer for further detail.

5. Program agreements govern

If you proceed with the Program, your rights and obligations will be set out in separate written agreements. In the event of any conflict or inconsistency between the Website, these Terms of Use, the Disclaimer, the Privacy Policy, and any such written agreements, the signed written agreements will govern to the extent of the conflict or inconsistency.

6. Intellectual property

The Website and all content on or made available through it, including text, graphics, logos, icons, images, layouts, design elements, audio, video, downloads, and software, are owned by Upstream or its licensors and are protected by applicable intellectual property laws. All rights are reserved. You may view and print pages from the Website for your own personal, noncommercial use only. Except as expressly permitted in writing by Upstream, you may not copy, reproduce, republish, upload, post, transmit, distribute, modify, create derivative works from, frame, scrape, or commercially exploit any part of the Website or its content.

7. Acceptable use

You agree not to use the Website in any manner that is unlawful, misleading, fraudulent, harmful, abusive, or disruptive, or that could damage, disable, overburden, or impair the Website or interfere with any other person’s use of the Website. Without limiting the generality of the foregoing, you agree not to:

(a) Attempt to gain unauthorized access to the Website, any account, or any related system,

server, or network.

(b) Introduce or transmit any virus, malware, malicious code, or other harmful component.

(c) Interfere with or disrupt the proper working of the Website or the experience of other users.

(d) Use the Website to send unsolicited communications or spam.

(e) Collect, harvest, scrape, or otherwise obtain information about others, including personal information, without authorization, including by automated means.

(f) Use the Website in any manner that violates applicable law or infringes the rights of any Person.

8. Information you submit

When you submit information through the Website, including through a contact form, intake form, application, or message, you represent that the information is true, accurate, current, and complete to the best of your knowledge and that you have the right to provide it. Upstream handles personal information submitted through the Website in accordance with the Privacy Policy. Submission of information through the Website does not create a client, advisory, fiduciary, contractual, or other special relationship except as may be expressly set out in a separate written agreement.

9. Third-party links and services

The Website may contain links to third-party websites, platforms, tools, or services that Upstream does not own or control. These links are provided for convenience only. Upstream does not endorse and is not responsible for the content, availability, products, services, privacy practices, security, accuracy, terms, or practices of any third-party website or service. Your use of any third-party website or service is at your own risk and subject to that third party’s terms and policies.

10. Disclaimer of warranties

The Website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Upstream disclaims all representations, warranties, and conditions of any kind, whether express, implied, statutory, or collateral, including any implied warranties or conditions of accuracy, completeness, merchantability, fitness for a particular purpose, title, non-infringement, and uninterrupted or error-free operation. Without limiting the foregoing, Upstream does not warrant that the Website will be available at all times, function without interruption, be free from errors, omissions, viruses, or other harmful components, or that any content on the Website is complete, accurate, current, reliable, or suitable for any particular purpose.

11. Limitation of liability

To the fullest extent permitted by applicable law, Upstream and its directors, officers, employees, agents, representatives, affiliates, licensors, and service providers will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, business, opportunity, goodwill, data, or use, arising out of or relating to the Website, your use of or inability to use the Website, your reliance on any content on the Website, or any third-party website or service linked to the Website, even if advised of the possibility of such damages. Some jurisdictions may not allow certain exclusions or limitations of liability, so portions of this section may not apply to you to the extent prohibited by applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Upstream and its directors, officers, employees, agents, representatives, affiliates, licensors, and service providers from and against any claims, demands, actions, proceedings, losses, liabilities, damages, judgments, costs, and expenses, including reasonable legal fees, arising out of or relating to your breach of these Terms of Use, your misuse of the Website, your violation of applicable law, or your infringement of any rights of any person.

13. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how Upstream collects, uses, discloses, stores, and protects personal information.

14. Changes to the Website and these terms

Upstream may modify, suspend, restrict, or discontinue any part of the Website at any time without notice. Upstream may also amend these Terms of Use from time to time by posting an updated version on the Website and revising the effective date at the top of this page. By continuing to use the Website after updated Terms of Use are posted, you acknowledge and accept the revised Terms of Use.

15. Governing law

These Terms of Use and your use of the 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. Subject to applicable law, you agree that the courts of the Province of British Columbia will have exclusive jurisdiction over any dispute arising out of or relating to the Website or these Terms of Use.

16. General

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect. These Terms of Use, together with the Disclaimer and Privacy Policy, constitute the entire agreement between you and Upstream regarding your use of the Website. No waiver of any provision of these Terms of Use will be effective unless made in writing by Upstream, and no failure or delay in exercising any right will operate as a waiver.

17. Contact us

If you have questions about these Terms of Use, 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