Terms & Conditions

These Terms and Conditions (“Terms”) govern your use of PlanCertify, operated by AllSpark Enterprises Ltd. (“Company”, “we”, “us”). By using the Service you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

These Terms constitute a binding legal agreement formed electronically under the Electronic Commerce Act, 2000 (Ontario) and applicable Canadian electronic transactions legislation. Electronic acceptance is legally equivalent to a handwritten signature.

• AI-generated business plan content based on inputs you provide
• Access to vetted professional partners (CPAs, consultants, advisors) who can review and certify plans
• Secure document storage and export (Word / PDF)
• Payment processing for professional partner services

You must be at least 18 years of age and have legal capacity to enter contracts under Ontario law. We do not knowingly provide services to minors.

You are responsible for maintaining the confidentiality of your credentials. Notify us immediately at stephenlavoie@allsparkenterprisesltd.com of any unauthorized use. Account suspension does not entitle you to a refund of prepaid fees.

• AI-generated content may contain errors, inaccuracies, or omissions
• PlanCertify does not guarantee that any plan will achieve any particular outcome, secure financing, or satisfy any third party’s requirements
• You are solely responsible for verifying the accuracy of all content before relying on it
• We strongly recommend review by licensed professionals before acting on any plan

• Canadian GST/HST: all fees are quoted exclusive of applicable taxes. GST/HST is added at checkout based on your province. Current rates: ON 13% HST · BC 5% GST + 7% PST · QC 5% GST + 9.975% QST · AB 5% GST · other provinces as applicable.
• Digital services to non-Canadian customers: supplies to non-residents may be zero-rated for GST/HST purposes under the Excise Tax Act. Non-Canadian customers are responsible for any applicable sales or use tax in their own jurisdiction.
• US customers — Wayfair sales tax nexus: if your use of the Service creates sufficient economic nexus in a US state (generally USD $100,000 in revenue or 200 transactions per state per Wayfair v. South Dakota, 2018), you are responsible for applicable US state and local sales tax. PlanCertify does not collect or remit US state sales tax.
• All prices are in Canadian dollars (CAD). Currency conversion fees for non-CAD cards are your responsibility.

Client payments are processed by Square Inc. By submitting payment you agree to Square’s applicable terms. We do not store payment card numbers. All amounts are in CAD and subject to taxes per Section 6.

Note: No federal Canadian law requires businesses to offer refunds except in specific regulated sectors. Our policy is as follows:

• AI plan credits: refundable within 7 days of purchase if no plans have been generated. Non-refundable after first generation.
• Partner professional services: non-refundable once delivered and accepted. See Section 9.4 for dispute resolution.
• Subscription fees: pro-rated refunds at our discretion within 7 days of billing period start. No mid-period refunds.

Refund requests: stephenlavoie@allsparkenterprisesltd.com.

The Service, including software, design, and trademarks (“PlanCertify”), is owned by the Company and protected under the Copyright Act (R.S.C. 1985, c. C-42) and the Trademarks Act (R.S.C. 1985, c. T-13).

Business plan content generated using your inputs is owned by you, subject to: (a) a non-exclusive licence to us to store and process your content to provide the Service; and (b) use of anonymized, aggregated data to improve AI models (no identifiable content used without explicit consent).

The Company complies with the Competition Act (R.S.C. 1985, c. C-34). We do not make false or misleading representations about the Service, AI-generated content quality, certification outcomes, or partner credentials. Contact the Competition Bureau of Canada to report concerns.

By creating an account you expressly consent to receive transactional messages (account confirmations, security alerts, payout notifications). These service messages are sent regardless of marketing preferences.

You may separately consent to marketing communications. This consent may be withdrawn at any time via the unsubscribe link in any marketing email or by contacting us. Unsubscribes are processed within 10 business days.

• Using the Service for any unlawful purpose
• Submitting false or fraudulent information (including misrepresenting professional credentials as a partner)
• Reverse-engineering, scraping, or copying the Service or its AI models
• Generating content that infringes third-party intellectual property
• Circumventing security features or authentication
• Creating plans containing false financial projections intended to deceive lenders or investors (may constitute fraud under the Criminal Code of Canada)

The Company is not liable for delays or failure to perform obligations caused by events beyond our reasonable control, including acts of God, natural disasters, pandemic, government actions, internet outages, cyberattacks, or failures of third-party providers (Square, Stripe, Supabase, Vercel, SendGrid).

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE CANADIAN LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Total aggregate liability shall not exceed the greater of: (a) total fees paid by you in the preceding 12 months, or (b) CAD $100. Some provinces do not allow exclusion of implied warranties — in such provinces these limitations apply to the fullest extent permitted by law.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF AI-GENERATED CONTENT, OR NON-INFRINGEMENT.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. The parties agree to the exclusive jurisdiction of Ontario courts.

Provincial note: Quebec residents may have additional rights under the Consumer Protection Act (CQLR c P-40.1) and the Civil Code of Quebec. Nothing in these Terms limits rights that cannot be waived under Quebec law.

We may update these Terms at any time. Material changes will be communicated by email and posted with a revised effective date. Continued use constitutes acceptance.

AllSpark Enterprises Ltd.
Devlin, Ontario, Canada

stephenlavoie@allsparkenterprisesltd.com