Terms of Service

By accessing and using the services provided by Porch Ledger Co, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service. These terms constitute a legally binding agreement between you and Porch Ledger Co regarding your use of our digital platforms, including our website and any associated analytical tools.

If you do not agree with any part of these terms, you must immediately discontinue use of our services. Your continued use of the website signifies your ongoing acceptance of these terms and any future modifications.

Porch Ledger Co provides educational content, statistical data, and strategic frameworks specifically designed for homeowners in London, Ontario, looking to accumulate renovation capital without relying on Home Equity Lines of Credit (HELOC). Our services include:

• Analysis of high-interest savings vehicles and low-volatility investment instruments.
• Data on federal and provincial grant evolution relevant to London residents.
• Phase-based accumulation planning and cost analysis for local renovation markets.
• Educational resources regarding alternative financing structures.

Porch Ledger Co is NOT a bank, credit union, or licensed mortgage brokerage. We do not provide loans or manage client funds directly.

Users agree not to engage in any of the following prohibited activities:

• Copying, distributing, or disclosing any part of the service in any medium, including without limitation by any automated or non-automated "scraping."
• Using any automated system, including "robots," "spiders," or "offline readers," to access the service.
• Attempting to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the servers running the service.
• Taking any action that imposes an unreasonable or disproportionately large load on our infrastructure.
• Using the service for any commercial solicitation purposes without express written consent.

The service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Porch Ledger Co and its licensors. Our intellectual property is protected by copyright, trademark, and other laws of both Canada and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Porch Ledger Co. All data generated regarding renovation costs in London remains the proprietary asset of the company.

Your use of the service is at your sole risk. The service is provided on an "AS IS" and "AS AVAILABLE" basis. Porch Ledger Co expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Porch Ledger Co makes no warranty that:

• The service will meet your specific financial requirements.
• The results obtained from the use of the service will be accurate or reliable.
• The quality of any information obtained through the service will meet your expectations regarding renovation outcomes.

To the maximum extent permitted by applicable law, Porch Ledger Co shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the service.
• Any conduct or content of any third party on the service.
• Any content obtained from the service.
• Unauthorized access, use, or alteration of your transmissions or content.

In no event shall Porch Ledger Co's total liability exceed the amount paid by you, if any, for accessing our digital tools during the twelve months preceding the claim.

These Terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service.

Any disputes arising from these terms shall be resolved in the courts located in London, Ontario.

If you have any questions about these Terms, please contact us: