At ZOWN REALTY INC. ("Zown," "we," "us," or "our"), we connect first-time homebuyers and sellers through innovative real estate solutions via our website and other internet-based tools. Our services are designed to facilitate both the buying and selling of properties under advantageous terms for our users ("Users" or "you"). This document outlines the terms and conditions under which you may use our services and website.

Zown offers flexible down payment boost options designed to support buyers with a variety of purchasing needs. Our boosts are structured as interest-free advances, providing an upfront boost to buyers with flexible options to either forgive the advance upon a sale through Zown or to repay under specified conditions if sold elsewhere. Details on these options will be provided as part of the user's agreement with Zown.

Zown provides unique commission structures and pricing models for sellers based on their level of engagement with our platform. Sellers who both sell and buy with Zown may qualify for enhanced terms, while those choosing to sell only may opt for simplified, flat-fee options. Our pricing options are designed to offer flexibility and value for sellers engaging with Zown.

By accessing or using our website, you agree to be bound by these Terms and Conditions. You are prohibited from using the site unless you fully understand and accept these terms. If you have questions or concerns regarding these terms, please contact us at info@zown.ca before proceeding.

Our Privacy Policy, as detailed on our website, describes how we handle the information we collect and store about our users. This includes personal identifying information, which is protected and used in accordance with our commitment to user privacy.

Users agree to provide accurate and complete information when using Zown's services. You are responsible for all actions taken on our platform using your account credentials, and you agree not to misuse our services or attempt to disrupt the integrity or security of our systems.

In the event of a dispute arising from or relating to these Terms and Conditions, you agree to first attempt to resolve the dispute informally by contacting us at info@zown.ca. If the dispute cannot be resolved informally, it will be subject to binding arbitration as governed by the applicable laws of Ontario. Any disputes must be resolved individually, and you waive any right to bring a class or collective action.

The terms, conditions, and unique service structures offered by Zown, including our down payment boost and commission model, are proprietary and exclusive to Zown Realty Inc. Unauthorized use, reproduction, or adaptation of our service structures or pricing models is prohibited.

To the fullest extent permitted by law, Zown Realty Inc. is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. This includes any loss of profits, data, or other intangible losses resulting from your use of or inability to use our services. Zown's liability, in any case, will be limited to the amount paid by you, if any, for accessing or using our services.

These Terms and Conditions and any disputes related to them or the use of Zown's services will be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law principles.

These Terms and Conditions may be updated or amended periodically. We reserve the right to modify these terms at any time, effective upon posting to the website. We will endeavor to notify users of any significant changes, but you are encouraged to review these terms regularly to ensure ongoing agreement.

For any questions or concerns about these Terms and Conditions, or our services, please reach out via email at info@zown.ca or through our contact form on the website. We are committed to responding promptly to all inquiries.