Terms of Use

These Terms of Use ("Terms") govern your access to and use of prolificsoftware.ca (the "Website").

By accessing or using the Website, you agree to these Terms. If you do not agree with them, please do not use the Website.

1. About Prolific Software

Prolific Software is a Canadian software business developing software products and digital services, including CreditKO, MortgageIQ, FreelanceKit, and future products.

References on the Website to Prolific Holdings describe the broader parent brand relationship. They should not be interpreted as a representation that Prolific Software or Prolific Holdings is incorporated unless expressly stated otherwise.

2. Website Purpose

The Website provides information about Prolific Software, its products, planned products, and related activities.

Unless expressly stated otherwise, information presented on the Website is provided for general informational and promotional purposes.

3. Products Under Development

Some products, services, functionality, screenshots, demonstrations, descriptions, roadmaps, or features displayed on the Website may be:

• under development;
• in early access;
• coming soon;
• conceptual;
• illustrative; or
• subject to change before release.

A product appearing on the Website does not necessarily mean that it is currently available for public use.

We may change product names, features, designs, availability, pricing, release timing, eligibility requirements, integrations, or other characteristics without notice.

Joining a waitlist does not guarantee access, eligibility, availability, pricing, release timing, or any particular product functionality.

4. No Financial, Credit, Mortgage, Legal, Tax, or Professional Advice

The Website does not provide financial, credit, mortgage, lending, investment, legal, tax, accounting, or other professional advice.

Information on the Website should not be relied upon as a substitute for advice from an appropriately qualified professional.

Nothing on the Website constitutes:

• an offer of credit or financing;
• a mortgage approval or pre-approval;
• a guarantee of credit-score improvement;
• a guarantee of mortgage eligibility;
• a guarantee of financial outcomes;
• legal or tax advice; or
• a recommendation to enter into a particular financial transaction.

Future Prolific Software products may provide tools, calculations, educational information, or personalized software functionality. Applicable product-specific terms will govern those services when available.

5. No Guarantee of Outcomes

We do not guarantee that using information from the Website or any future product will result in a particular credit score, mortgage approval, financial result, business outcome, or other result.

Financial decisions and eligibility determinations may depend on information, institutions, credit bureaus, lenders, government rules, market conditions, and other factors outside our control.

6. Waitlists, Newsletters, and Communications

The Website may allow you to join product waitlists, subscribe to updates, or contact us through the Contact page or by email.

You agree to provide accurate information when submitting a form.

Joining a waitlist or subscribing to updates does not create a customer relationship, contractual entitlement to a future product, or guarantee access to any service.

Electronic communications are also subject to our Privacy Policy and applicable Canadian law.

7. Intellectual Property

Unless otherwise indicated, the Website and its contents—including text, graphics, branding, logos, interface designs, illustrations, software, product names, visual elements, and other materials—are owned by or licensed to Prolific Software and are protected by applicable intellectual property laws.

You may access and use the Website for lawful personal or internal business informational purposes.

You may not, without permission:

• copy or reproduce substantial portions of the Website;
• distribute or commercially exploit Website content;
• modify or create derivative works from protected Website materials;
• remove copyright, trademark, or proprietary notices;
• falsely imply affiliation with or endorsement by Prolific Software;
• use our branding in a misleading manner; or
• use Website content in violation of applicable law.

Nothing in these Terms grants ownership of Prolific Software intellectual property.

8. Acceptable Use

You must not use the Website to:

• violate applicable law;
• interfere with Website operation or security;
• attempt unauthorized access to systems, accounts, or data;
• introduce malicious code;
• scrape, crawl, or automate access in a manner that materially burdens or disrupts the Website;
• impersonate another person or entity;
• submit fraudulent or misleading information;
• attempt to circumvent security measures; or
• use the Website in a manner that infringes the rights of others.

9. Third Party Services and Links

The Website may reference or link to third-party websites, platforms, services, or resources.

Third parties operate independently from Prolific Software. We do not control and are not responsible for their availability, content, security, terms, privacy practices, or performance.

A link or reference does not necessarily constitute endorsement.

10. Website Availability and Accuracy

We aim to provide useful and accurate information, but we do not guarantee that the Website will always be available, uninterrupted, secure, complete, current, or error-free.

We may modify, suspend, restrict, or discontinue any part of the Website without notice.

11. Disclaimer

To the extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis without warranties or conditions of any kind, whether express, implied, statutory, or otherwise.

Nothing in these Terms excludes warranties, conditions, rights, or remedies that cannot lawfully be excluded.

12. Limitation of Liability

To the extent permitted by applicable law, Prolific Software will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of, inability to use, or reliance on the Website.

Nothing in these Terms limits liability where such limitation is prohibited by law.

13. Privacy

Our collection and handling of personal information through the Website is described in the Prolific Software Privacy Policy.

14. Changes to These Terms

We may update these Terms periodically.

The current version will be posted on the Website with its effective or last updated date. Your continued use of the Website after changes become effective constitutes acceptance of the revised Terms to the extent permitted by law.

15. Governing Law

These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict-of-law principles.

Nothing in these Terms limits rights you may have under mandatory consumer-protection or other applicable laws.

16. Contact

Questions about these Terms may be directed to: