Last updated: August 1, 2026
Please read these Terms carefully — they govern your use of the BrokrPay platform. They include important provisions about billing in advance, the non-refundable processing and service fees, refunds and disputes, account deletion, and limitations of liability.
1. Agreement to terms
These Terms of Service ("Terms") are a binding agreement between you and 1000087914 Ontario Inc., operating as BrokrPay ("BrokrPay", "we", "us") governing your access to and use of the BrokrPay platform, our websites, dashboards, and related services (the "Services") — including when the Services are presented under a brokerage's own brand or domain (see Section 4).
By creating an account, accepting an invitation, clicking to accept, or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
If you use the Services on behalf of a brokerage or other organization, you represent that you are authorized to bind it, and "you" includes that organization.
2. Who we are, and the three roles on the platform
BrokrPay provides a billing and back-office platform for real-estate brokerages and their agents: automated collection of recurring brokerage fees, charge and receipt management, disputes and refunds, financial reporting, and workplace tools (calendar, messaging, documents, per-deal transaction document vaults, staff scheduling, and optional add-on products).
Three roles use the platform, and these Terms apply to each:
- Brokerages — the real-estate brokerage that enrolls with BrokrPay, configures its fees, and administers its roster.
- Agents — licensed real-estate professionals affiliated with an enrolled brokerage, who pay recurring fees through the platform.
- Staff — brokerage employees granted access to workplace features.
Your relationship with your brokerage (employment, independent-contractor, or affiliation agreements) is between you and the brokerage. BrokrPay provides the platform; it is not a party to that relationship.
3. Eligibility and accounts
You must be of the age of majority in your province and able to form a binding contract. Agent accounts are intended for licensed real-estate professionals; you are responsible for compliance with the rules of your regulator (for example, RECO in Ontario), your board, and your brokerage.
You must provide accurate information and keep it current. You are responsible for safeguarding your credentials and for activity under your account; notify us promptly of suspected unauthorized access. One email address may hold multiple roles (for example, agent and brokerage administrator); each role's access is governed by these Terms.
4. White-label operation
The Services may be presented under a brokerage's brand, logo, and custom domain. Regardless of branding, the platform is operated by 1000087914 Ontario Inc. (operating as BrokrPay), and these Terms and our Privacy Policy govern. Where the Services appear under a brokerage's domain, the service is operated by BrokrPay on behalf of that brokerage. Branding does not change who you are contracting with for the platform itself.
5. Fees, billing, and payment
### 5.1 Recurring fees, billed in advance
Agents are billed a recurring monthly membership fee (collected on behalf of the brokerage) and technology fee (collected by BrokrPay), in the amounts configured for your brokerage and disclosed during onboarding. Billing is in advance: your first full month is charged on the day your account activates, and your subscription renews on that same day each month (your "billing date"). There is no proration of partial months.
Fee amounts may change; changes take effect at your next renewal, never mid-cycle, and you will be notified before a changed amount is charged.
### 5.2 Fee exemptions
Either recurring fee may be waived for an individual agent, by the party whose fee it is. Your brokerage may exempt you from its membership fee; BrokrPay may separately exempt you from the technology fee. Neither party can waive the other's fee. If both fees are exempted, your recurring subscription is cancelled rather than billed at zero; if an exemption is later removed, the subscription is rebuilt and the rebuild date becomes your new billing date.
Exemptions apply to those two recurring fees only. They never affect processing fees, the service fee, or manual charges posted by your brokerage — an exempt agent still pays those in full. Because the service fee is calculated per payment (Section 5.3), an exemption changes only the amount it is calculated on: a partially exempt agent's renewal carries a service fee of 1% of the remaining billed amount, and a fully exempt agent has no renewal payment and therefore no service fee on it. Like any other fee change, an exemption (or its removal) takes effect at your next renewal, never mid-cycle, and does not refund amounts already billed.
### 5.3 Processing and service fees
Payments made through the platform can carry two fees. They are always presented as two separate line items — "Payment processing" and "Service fee" — and are never combined into a single fee line:
- Payment processing — the payment processor's actual cost, calculated at the processor's published rates (currently 2.9% + $0.30 for cards; 1% + $0.40 capped at $5.00 for pre-authorized debit), where your brokerage passes processing costs through (the default).
- Service fee — BrokrPay's own fee of 1% of the payment's pre-tax amount, capped at $20.00 per payment, charged on every payment processed through the platform — your recurring membership and technology renewals, manual charges posted by your brokerage (Section 5.5), and Add-on purchases (Section 6) alike. This is BrokrPay's fee for billing and collecting the payment through the platform.
Each fee appears as its own line item on every charge and receipt, itemized with its own HST where applicable. The service fee is charged once per payment, on the payment's combined pre-tax amount, whatever the payment contains.
Both fees are non-refundable in all circumstances. The payment processor collects its fee when a transaction is made and does not return it on refund, and the service fee is earned when the charge is collected; accordingly, no refund of any kind — including approved disputes and brokerage-issued corrections — includes the processing or service fees, and the maximum refundable amount of any payment is the net amount collected (payment total minus the processing and service fees). See Section 7.
### 5.4 Payment authorization
By adding a payment method you authorize BrokrPay and its payment processor (Stripe) to charge your recurring fees, applicable taxes (HST at your brokerage's configured rate), the processing and service fees, and any manual charges validly posted by your brokerage, until your account is closed as described in Section 8. Pre-authorized debit payments are additionally governed by the PAD agreements you sign at onboarding, which authorize variable amounts as configured by your brokerage.
### 5.5 Manual charges
Your brokerage may post one-time or recurring charges to your account (for example, Room Rental, Marketing Costs, Paperwork Creation or Corrections, etc.). Manual charges are collected immediately, on a scheduled date, or on your next monthly bill, as selected by the brokerage, and appear itemized in your charge history with receipts. Each manual charge carries the processing and service fees described in Section 5.3.
Manual charges are your brokerage's revenue in full. BrokrPay takes no share of what your brokerage charges you; its own revenue on a manual charge is the service fee described in Section 5.3.
### 5.6 Failed payments and suspension
If a payment fails, the processor retries automatically. If retries are exhausted, your account may be suspended until the balance is collected. Update your payment method promptly to avoid interruption.
### 5.7 Money flow
BrokrPay is the merchant of record for platform payments. Amounts you pay that are owed to your brokerage — its membership fee and the manual charges it posts — belong entirely to the brokerage and are transferred to its connected Stripe account after collection. BrokrPay's own revenue is its technology fee, the service fee described in Section 5.3, and any Add-ons you purchase; it takes no share of your brokerage's fees or charges. Your receipt for each payment is a single document issued by 1000087914 Ontario Inc. as billing intermediary, carrying BrokrPay's HST registration and itemizing each component with its own HST; it identifies the supplier of each line — charges owed to your brokerage are supplied by the brokerage (whose HST registration also appears on the receipt), and technology, service and Add-on fees are supplied by BrokrPay.
6. Add-on products
BrokrPay may offer optional paid add-on products ("Add-ons") billed as separate monthly subscriptions to your card. Add-ons renew monthly from the date of purchase. Cancelling an Add-on takes effect at the end of the paid period — access continues to period end, and no partial-period refunds are given. After cancellation, your Add-on data remains available read-only, and resubscribing restores it. BrokrPay may discontinue an Add-on with notice, in which case access continues to the end of the paid period.
7. Refunds and disputes
### 7.1 Refunds
Refunds are issued at the discretion of your brokerage (for brokerage-billed charges) or BrokrPay (for BrokrPay-billed charges, such as technology fees and Add-ons), or where required by law. All refunds are capped at the net amount collected — the processing and service fees are never refunded (Section 5.3). Refunds are returned to the original payment method and typically appear within 5–10 business days.
### 7.2 Disputes
Agents may dispute a manual charge through the platform, within 30 days of the charge. Manual-charge disputes are reviewed and resolved by your brokerage, which decides the charge in full. The processing and service fees are not disputable on their own — they ride the charge they were billed with, and are non-refundable whatever the outcome (Section 5.3).
Recurring membership and technology fees are not subject to the platform dispute process — including the processing and service fees billed with them. They are governed by the franchise agreement you sign and your brokerage administers — raise any question about them with your brokerage. Add-on subscriptions are likewise handled through subscription management and billing support rather than the dispute process (Section 6).
An approved dispute refunds the disputed charge — its amount and HST; the processing and service fees are not refunded. Dispute decisions are final once made. Rejections include a written reason.
Nothing in this section limits your rights to dispute a charge with your card issuer or bank; note that chargebacks lost by BrokrPay may result in the clawback of the related amount transferred to your brokerage.
8. Departures, outstanding balances, and account deletion
### 8.1 Leaving
Because fees are billed in advance, an agent who leaves mid-cycle has already paid for the current period. Amounts billed in advance are not refunded on departure, archiving, fee exemption, or deletion; where applicable, access continues to the end of the paid period (except deletion — see 8.3).
### 8.2 Outstanding balances
An account cannot be permanently deleted while money is owed. Outstanding balances may be settled by charging the payment method on file, by a payment link (payable by any card), or — solely at the brokerage's election — by the brokerage forgiving the balance. Unresolved balances remain payable.
### 8.3 Permanent deletion
Permanent deletion is irreversible: access ends immediately, remaining paid time is forfeited without refund, all billing authority over the account is cancelled (a deleted account can never be charged again), and the account cannot be reactivated. Records of past charges, receipts, and signed agreements are retained after deletion for accounting, tax, and legal purposes, as described in our Privacy Policy.
9. Your content and data
### 9.1 Ownership and licence
You retain ownership of the content and data you submit to the platform. You grant BrokrPay a non-exclusive licence to host, process, transmit, and display it solely to provide the Services and as described in our Privacy Policy.
### 9.2 Contact Data
Where the Services allow an agent to collect data about their own clients, leads, and contacts ("Contact Data"), the agent is responsible for having any required consents, and Contact Data is private to the agent — it is not accessible to the brokerage or other agents. You are solely responsible for communications you send to your contacts, including compliance with Canada's Anti-Spam Legislation (CASL).
### 9.3 Transaction records and the document vault
Where your brokerage enables the transactions module, the Services provide a per-deal document vault: folders named by property address that hold a deal's checklist, uploaded documents, review decisions and annotations, deal notes, and a name- and time-stamped activity record.
Ownership. Transaction folders, the documents in them, and the deal records they contain belong to the brokerage — they are the brokerage's trade records, whoever uploads them. An agent who creates a folder or uploads a document does not thereby acquire ownership of it, and departure from the brokerage does not carry the folder with the agent. BrokrPay holds this material as a service provider on the brokerage's instructions, and claims no ownership of it; our rights are limited to the licence in Section 9.1. As between the brokerage and its agents, rights to trade records are governed by their own agreements and by the rules of their regulator, not by these Terms.
Retention, archiving, and export. The vault is built to preserve records rather than destroy them: a deleted document is soft-deleted and a closed-out folder is archived, never hard-deleted, so that the brokerage can meet its record-retention obligations (at least six years, consistent with TRESA record-keeping requirements for trade records). The one exception is that an agent may permanently delete a folder they created before it has been sent to the office, while it is still a private draft the brokerage has never seen. A brokerage may export a folder at any time while its account is active, as a merged PDF (accepted documents) or a ZIP archive (all documents). You should not rely on the platform as your only copy of a record you are required to keep — export and retain your own copies. On termination or closure of a brokerage's account, the brokerage will have at least 60 days to export its records; after that window BrokrPay may retain the records for the retention period above (or delete them on the brokerage's written instruction, where the law allows) and thereafter delete them.
Accuracy and responsibility for what is uploaded. The brokerage and its agents are solely responsible for the completeness, accuracy, currency, and lawfulness of everything placed in the vault, including obtaining any consent required from clients and other transaction parties before their identification, agreements, or personal information are uploaded. BrokrPay does not review documents for regulatory compliance. The checklist templates we ship are a convenience, not legal or regulatory advice, and they do not represent that a completed checklist satisfies any regulator, board, or statute. The accept / reject / annotate review feature is the brokerage's own internal process, performed by the brokerage's own people — an "accepted" document means a person at the brokerage marked it accepted, and nothing more. It is not a BrokrPay assurance, certification, or verification of any document, signature, identity, or transaction.
Availability and deadlines. Consistent with Sections 14 and 15, we do not guarantee that the Services will be available at any particular moment, including the moment a filing, review, or record-keeping deadline falls. The brokerage remains responsible for its own regulatory record-keeping and reporting obligations regardless of platform availability, and should maintain the means to meet them if the Services are unavailable.
Loss or corruption of documents. BrokrPay maintains the safeguards described in our Privacy Policy, but to the maximum extent permitted by law our liability for the loss, corruption, deletion, or unavailability of any document or record in the vault is subject to Section 16.
Prohibited content and limits. The vault is for transaction records. You must not upload material unrelated to the transaction the folder documents, and you must not use it as general file storage, as a personal archive, or to store information you have no lawful basis to hold. Section 11 (Acceptable use) applies in full. Uploads are technically limited to PDF, PNG, and JPEG files, up to 100 MB per file, with a cap on the number of files per checklist item; these limits may change. We may refuse, remove, or restrict access to material that breaches these Terms — subject always to the retention rules above, which mean removal is ordinarily a soft delete rather than destruction.
### 9.4 Backups
You are responsible for maintaining your own backups of information you rely on; export tools are provided where applicable.
10. Platform administration features
You acknowledge that: the platform maintains audit logs of significant actions; where the "view as" support feature is enabled, a brokerage administrator may request a time-boxed, audited "view as" session of one of their own agents' or staff members' accounts — each session requires the account holder's confirmation before it opens, and every session is recorded in the audit log; staff clock-in may validate the network location (IP) of the punch where enabled; and feature availability (calendar, messaging, documents, transactions, notes, and similar) is configured per brokerage and may vary or change.
You further acknowledge, for the transactions module (Section 9.3), that: every material action in a deal folder — creation, upload, deletion, acceptance, rejection, annotation, status change, sending to the office, and archiving — is recorded with the full name of the person who performed it and the time, and that record is shown to brokerage seats and to the agents on the folder; a folder an agent creates is not visible to the brokerage until the agent sends it to the office, and sending is one-way; once sent, the folder is visible to every brokerage seat granted the transactions capability, not only to that agent's manager; and brokerage seats may mark a deal note or a checklist item internal, in which case it is visible to brokerage seats only and is withheld from the agent.
11. Acceptable use
You agree not to: use the Services unlawfully; attempt unauthorized access; interfere with the Services' integrity or performance; misrepresent your identity or licensing status; upload malicious code; resell or sublicense the Services; or violate the rights of any third party or the rules of your regulator or board. We may investigate and act on violations, including suspension.
12. Third-party services
The Services depend on third-party providers, including Stripe (payments), Supabase (database and authentication), Vercel (hosting), and Resend (email). Your use may be subject to their terms; we are not responsible for their acts or omissions. Payment timing (for example, refund settlement to your card) is controlled by the processor and banks.
13. Intellectual property
BrokrPay and its licensors own all rights in the Services, including software, design, and the BrokrPay marks. Brokerage branding displayed on white-label domains remains the property of the respective brokerage. No rights are granted except the limited right to use the Services under these Terms. Feedback you provide may be used without restriction or obligation.
14. Suspension and termination
You may stop using the Services at any time; brokerages may terminate their enrollment per their agreement with BrokrPay. We may suspend or terminate access for breach, non-payment, risk, or legal requirement, with notice where practical. Sections that by nature survive termination (payment obligations, retained records, disclaimers, liability limits, indemnity, governing law) survive.
15. Disclaimers
The Services are provided "as is" and "as available", without warranties of any kind, express, implied, or statutory, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted or error-free operation. Financial reports and summaries are provided for convenience and do not constitute accounting, tax, or legal advice — verify with your own professionals.
16. Limitation of liability
To the maximum extent permitted by law, BrokrPay is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits, revenue, data, or goodwill. To the maximum extent permitted by law, BrokrPay's total aggregate liability for all claims relating to the Services will not exceed the greater of (a) the amounts you paid to BrokrPay (excluding amounts collected on behalf of your brokerage) in the three (3) months before the event giving rise to the claim, or (b) CAD $100.
17. Indemnification
You will defend, indemnify, and hold harmless BrokrPay and its officers, directors, employees, and agents against claims arising from your content, your Contact Data and communications, your use of the Services, your violation of these Terms or law, or — for brokerages — claims by your agents or staff relating to fees you configured or charges you posted.
18. Changes
We may modify these Terms with reasonable notice of material changes (email or in-app). Continued use after changes take effect constitutes acceptance. We may add, change, or discontinue features.
19. Governing law and disputes
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. You agree to the exclusive jurisdiction of the courts of Toronto, Ontario for disputes not subject to a mandatory alternative process.
20. Contact
1000087914 Ontario Inc. (operating as BrokrPay), 80 Eastern Ave, Brampton, ON L6W 1X9, Canada — info@brokrpay.com.