Welcome to RIFO. RIFO refers to the group of companies, RIFO Holding Group Inc., RIFO Fintech Group Inc, RIFO Realty Group Inc., RIFO Home Solution Group Inc., and RIFO Technologies Inc., and affiliated companies. By using the term "RIFO App", we refer to this Application and RIFO Technologies Inc. which owns and operates RIFO App.
These General Terms of Use (the or these "Terms") are an agreement between you and RIFO App regarding your use of RIFO App's services, which includes information services provided through this Application and portions of the RIFO website devoted to the RIFO App (currently located at www.rifo.com) (the "Website"). The RIFO App includes platforms specifically designed for users (the "User App"), real estate agents (the "Agent App"), third-party vendors (the "Vendor App"), the Website, and other websites owned and/or controlled by RIFO (collectively, the "Services"). By accessing or using the Services, you agree to be bound by the Terms and RIFO App's Privacy Policy. Your continued use of the Services confirms your acceptance of these Terms.
RIFO App reserves the right to change these Terms at any time without any notice to anyone, and the updated Terms will be posted to the RIFO App and may also be posted to the portion of the RIFO Website devoted to the RIFO App. It is your responsibility to periodically check these Terms for changes. Your continued use of the Services following the posting of changes to these Terms on the RIFO App and the Website will mean you accept and agree to the changes. Provided you comply with these Terms, RIFO App grants you a personal, non-exclusive, limited privilege to enter and use the Services.
PLEASE READ THE ENTIRETY OF THE TERMS AS THERE IS IMPORTANT INFORMATION ON YOUR LEGAL RIGHTS AT THE END OF THIS AGREEMENT. When you register for an account with the RIFO App, you accept these Terms of Use by checking the appropriate box and acknowledging you have read, understood, and accepted these Terms of Use.
Unless context otherwise requires, words importing singular include the plural and vice versa. RIFO App retains absolute and unfettered discretion where a provision of these Terms so requires.
By using the Services you represent and warrant you have the right, authority, and capacity to enter into these Terms and to abide by all of the terms and conditions set forth herein.
You must be 19 years of age or older, or the legal age in your jurisdiction required to form a binding contract to use the Services.
If you create an account with RIFO App, whether as a user, real estate agent, or third-party vendor, you are responsible for maintaining the security of your account and are fully responsible for all activities that occur under the account and any other actions taken in connection with your account. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security you become aware of. We may suspend, disable, or delete your account (or any part thereof) if we determine you have violated any provision of these Terms. If we delete your account for any of the foregoing reasons, you may not re-register for the Services.
We do not own any data, information, material, or feedback that you submit to RIFO App in the course of using the Services ("Content"). You shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property, which includes any and all trademarks, logos, and/or service marks ("Intellectual Property") or ownership of all submitted Content, however, RIFO App may monitor such Content. Under no circumstances will RIFO App be liable in any way for any Content. RIFO App (i) stores the Content at your direction, request, and with your authorization; (ii) acts as a passive conduit and/or host for the uploading, storage, and distribution of the Content; and (iii) does not endorse, support, represent, or guarantee the completeness, truthfulness, accuracy, or reliability of any Content.
By submitting the Content and using it on RIFO App, you hereby grant RIFO App a worldwide, perpetual, irrevocable, transferrable, sublicensable, royalty-free, non- exclusive right, and license to reproduce, modify, adapt, and publish the Content, including for the purposes of providing and making available the Services and developing and marketing products, services, applications, in each case without any obligation to you or third-parties. You specifically grant us permission to access, copy, distribute, store, transmit, reformat, display, and perform the Content as required for the purpose of providing the Services to you. RIFO App retains the right in its sole discretion to refuse or remove any Content that in RIFO App's opinion violates any of its policies or is in any way harmful or objectionable.
RIFO App does not undertake or assume any duty to monitor the RIFO App for Content that is inappropriate, that does or may infringe any third-party rights, or has otherwise been uploaded in breach of these Terms or any applicable law, rule, or regulation.
You agree to pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. Where any services offered through the Website or RIFO App are offered on a free trial basis, payment may be required after the stipulated free trial period ends and not when you enter your billing details (which may be required prior to the commencement of the free trial period). If auto-renewal is enabled for any services offered through the Website or RIFO App you may have subscribed for, you will be charged automatically in accordance with the payment term you selected.
RIFO App reserves the right to change services, products, and product pricing at any time. We also reserve the right to refuse any order you place with us. We may, in RIFO App's sole discretion, limit, restrict, or cancel services or products purchased. These restrictions or cancellations may include orders placed by or under the same RIFO App account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event RIFO App makes a change to, or limits, restricts, or cancels an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made.
When a RIFO App User engages the services a bank, credit union, or registered private lender (the "Lender") through either the RIFO App or a real estate agent using the Agent App the Lender may pay a fee/commission to a RIFO entity, which may include RIFO BC Group Inc., RIFO Holding Group Inc., or RIFO Mortgage Services Inc. depending on the transaction. Alternatively, the Lender may provide the real estate agent, through the real estate agent's licensed brokerage, a referral fee based on a certain percentage depending on the products or services offered to the user by the Lender. RIFO (BC) Group Inc. or RIFO (BC) Management Group Inc. will receive a portion of the referral fee paid to the real estate brokerage. You understand that neither RIFO App, RIFO (BC) Group Inc. or RIFO (BC) Management Group Inc. nor the real estate agent will provide advice regarding the products or services offered through the Lender. Receipt of a fee from a Lender by RIFO (BC) Group Inc. or RIFO (BC) Management Group Inc. does not create a client relationship with the RIFO App user.
Occasionally there may be information on the Website or RIFO App that contains errors, inaccuracies, or omissions that may relate to product descriptions, pricing, promotions, and offers. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information or limit, restrict, or cancel orders if any information on the Website or RIFO App is inaccurate at any time without prior notice (including after you have submitted your order). We have no obligation to update, amend, or clarify information on the Website or RIFO App, including, without limitation, pricing information, except as required by law. No specified update applied on the Website or RIFO App should be taken to indicate that all information on the Website or RIFO App, or on any related website, has been modified or updated.
RIFO App offers a "Service Uptime Guarantee" of 99% which means RIFO App guarantees the Website and RIFO App should be available for users 99% of the time. The Service Uptime Guarantee does not apply to service interruptions caused by: (1) periodic scheduled maintenance or repairs RIFO App may undertake from time to time; (2) interruptions caused by you or your activities; (3) outages that do not affect core functionality of the Services; (4) causes beyond RIFO App's control or that are not reasonably foreseeable; and (5) outages related to the reliability of certain programming environments.
RIFO App performs regular backups of the RIFO App and will try to ensure completeness and accuracy of these backups. In the event of hardware failure or data loss RIFO App will attempt to restore backups automatically to minimize the impact and downtime.
You may be able to access third-party websites through links available through the Services, however, RIFO App is not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein. Any links are provided for your convenience. RIFO App does not have any control over those third-party websites or services and RIFO App is not responsible for the content of the third-party websites or for the actions, products, services, and content of any third-parties. Hyperlinks to third-party websites do not constitute RIFO App's endorsement of/by, or sponsorship of/by, or affiliation with, RIFO App. You should carefully review the legal statements and other terms of use of any third-party website which you access through a link on the Website or RIFO App. Linking to any other third-party website or pages is at your own risk.
In certain circumstances, information and tools may be provided to you by BC real estate boards (the "Boards"). You acknowledge and agree that if you use any information or tools provided by the Boards, you do so only as a consumer that has a bona fide interest in the purchase, sale, or lease of real estate and not for any commercial purpose or any other purpose. RIFO App does not guarantee any third-party information provided to you, including information provided to you by the Boards, is accurate or to be relied on.
In addition to other terms as set forth in these Terms, you are prohibited from using the Services or the Content:
RIFO App reserves the right to restrict, limit, or terminate your use of the Services for violating any of the prohibited uses set out in these Terms, without notice to you.
RIFO App may reject, suspend, or terminate any accounts you may have with RIFO App through the Services for any reason at RIFO App's sole discretion, including inactivity for an extended period. RIFO App has no obligation to provide you with any notice of your breach of these Terms, but RIFO App may choose to provide notice, and an opportunity to cure such breach, in RIFO App’s sole discretion.
The terms and conditions in these Terms will continue to apply to your past use of the RIFO App, in the form in which it then-existed at the time of the subject use. Furthermore, termination, rejection, and/or suspension shall not relieve you of any obligations arising or accruing prior to such termination, rejection or suspension, or otherwise limit any liability that you otherwise may have to RIFO App.
You may cancel your account with RIFO App at any time via the RIFO App or by sending an email to ops@rifo.com. If your account is cancelled, RIFO App does not have an obligation to delete or return to you any of your Content.
Upon cancellation or termination of these Terms or your account: (i) you will remain liable for all amounts due hereunder; and (ii) any provision hereof that by its nature is intended to survive the termination of these Terms will survive such termination.
If RIFO App takes any of the measures described above, RIFO App may communicate to any suppliers of services through the RIFO App, that a pending or confirmed order for any services contemplated or purchased, as applicable has been cancelled.
These Terms do not transfer, from RIFO App, to you any RIFO App or third-party Intellectual Property. All rights, title, and interest in and to such Intellectual Property will remain (as between the parties) solely with RIFO App. All trademarks, service marks, graphics, and logos used in connection with RIFO App or the Services, are trademarks or registered trademarks of RIFO App or RIFO App licensors. Other trademarks, service marks, graphics, and logos used in connection with RIFO App or the Services may be the trademarks of other third parties. Your use of the Services grants you no right or license to reproduce or otherwise use any RIFO App or third-party Intellectual Property.
All trademarks and other indicia of origin appearing on or in the RIFO App (other than your Content), or third-party tools, which include software applications, services, data, information, content, materials, and infrastructure procured by RIFO App and used in conjunction with making available the RIFO App ("Third-Party Tools"), are the property of RIFO App or RIFO’s service providers, suppliers, or licensors, or the trademark’s property owners, unless otherwise indicated. You may not use any Intellectual Property or other indicia of origin appearing on or in the RIFO App or Third-Party Tools.
The terms below supplement and are in addition to the Terms for users who use the RIFO App on Apple devices.
These terms supplement and are in addition to the Terms for users who use the RIFO App or the RIFO App on Android OS devices.
YOU AGREE THAT YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK. YOU AGREE THAT THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. RIFO 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 OF THE SERVICES. RIFO APP MAKES NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES RIFO APP MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES OR THAT DEFECTS IN THE SERVICES WILL BE CORRECTED. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. RIFO APP MAKES NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICES OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICES. NO INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM RIFO APP OR THROUGH THE SERVICES SHALL CONSTITUTE ADVICE NOR CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
WITHOUT LIMITING THE GENERALITY OF ANY OF THE FOREGOING, RIFO APP EXPRESSLY DISCLAIMS ANY REPRESENTATION, CONDITION, OR WARRANTY THAT ANY DATA OR INFORMATION PROVIDED TO YOU IN CONNECTION WITH YOUR USE OF THE SERVICES, THIRD-PARTY TOOLS AND/OR WEBSITES, IS ACCURATE, OR CAN OR SHOULD BE RELIED UPON BY YOU FOR ANY PURPOSE WHATSOEVER.
YOU ARE ADVISED TO SEEK INDEPENDENT LEGAL ADVICE IN RESPECT OF THESE TERMS.
To the fullest extent permitted by applicable law, in no event will RIFO App, its affiliates, officers, directors, employees, contractors, suppliers, or licensors be liable to any person for (a): any general, indirect, incidental, special, punitive, aggravated, covert, or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of Content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused, under any theory of liability or cause of action, including, without limitation, contract, tort (including injury), warranty, breach of statutory duty, breach of fiduciary duty, negligence, or any other legal or equitable cause of action, even if RIFO App has been advised as to the possibility of such damages or could have foreseen such damages. To the maximum extent permitted by law, the aggregate liability of RIFO App and its affiliates, officers, employees, contractors, suppliers, and licensors, relating to the Services or these Terms will be limited to an amount greater of one hundred dollars ($100) or any amounts actually paid in cash by you to RIFO App for the one month period prior to the first event or occurrence giving rise to such liability. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or fails in its essential purpose.
You agree to indemnify and hold RIFO App and its affiliates, directors, officers, employees, contractors, and agents (the "Indemnified Parties") harmless from and against any liabilities, losses, damages, or costs, including reasonable attorney's fees, incurred in connection with or arising from any and all claims, actions, disputes, or demands of every nature and kind whatsoever which the Indemnified Parties may have or suffer arising out of these Terms, including any and all claims, actions, disputes, or demands and legal costs regarding or relating to (i) your breach of these Terms; (ii) your use of any of the Website, RIFO App, the Services, and/or Third-Party Tools; (iii) your Content; (iv) your interaction with any other users of the Services; or (v); your acts, omissions, or misconduct, including negligence. RIFO App has the right but not the obligation to participate in any defence or settlement.
All rights and restrictions contained in these Terms may be exercised, and shall be applicable and binding, only to the extent they do not violate any applicable laws, regulations, and bylaws, and are intended to be limited to the extent necessary so they will not render these Terms illegal, invalid, or unenforceable. If any provision or portion of any provision of these Terms shall be held to be illegal, invalid, void, or unenforceable by a court of competent jurisdiction, it is the intention of you and RIFO App that the provision or portion of any provision held to be illegal, invalid, void, or unenforceable shall be deemed severed from the remaining provisions of these Terms and shall not affect the validity and enforceability of the remaining provisions, which shall remain in full force and effect.
You agree that all matters relating to the Services, including all disputes, shall be governed by the substantive and procedural laws of British Columbia, Canada. Any dispute arising from these Terms and/or the Services, shall be determined by, and you and RIFO attorn to, the court of competent jurisdiction in the city of Vancouver, Province of British Columbia, Canada.
You further agree that any breach, threatened or actual, of these Terms will cause irreparable harm to RIFO App and that such harm would not be quantifiable in monetary damages, and RIFO App may not have an adequate remedy at law. You agree RIFO App shall be entitled, in addition to all other available remedies, to seek and be awarded any injunctive or equitable relief RIFO App deems necessary or appropriate in the circumstances, without having to show or prove any actual or threatened damage or harm, notwithstanding any rule of law or equity to the contrary. For clarity, these remedies are in addition to any remedies RIFO App may have at law or in equity.
RIFO App may assign or transfer these Terms in whole or in part at any time without your consent. You may not assign these Terms or assign, transfer, or delegate your account with RIFO App or any of your rights or obligations under these Terms. Any purported assignment, transfer, or delegation by you is in violation of this provision.
To the fullest extent permitted by the applicable laws, all parties to any action arising out of or in connection with the Services or these Terms must be individually named. You hereby waive any right you may have for any dispute pertaining to the Services or these Terms to be arbitrated or litigated on a class action or consolidated basis, or on a basis involving disputes brought in a purported representative capacity on behalf of the general public.
You acknowledge that you have read these Terms and agree to all the terms and conditions herein. By using the Services you expressly agree to be bound by these Terms. If you do not agree to abide by these Terms, you are not authorized to use or access the Services.
If you have any questions or inquiries regarding these Terms, or if you would like to make a complaint regarding these Terms, please contact RIFO via email at ops@rifo.com