Terms of use (test period)

Last updated: October 18, 2026

These terms apply while Indivia is being tested, before it is sold to the public. Indivia is provided by Emedianet inc. ("we", "us"). By setting your password, signing in or using Indivia, you accept these terms and our privacy policy. If you don't accept them, please don't use Indivia.

A test version

Indivia is test ("beta") software. It may have bugs, change, lose features or be unavailable at times.
Keep your own copy of anything important: export your data regularly (see below) and keep your original documents (statements, leases, tax slips).
Please tell us about problems at support@indivia.app. We may use your suggestions to improve Indivia without owing you anything for them.
Indivia is free during the test period. Once paid plans start, the section "Plans and payments" below applies; you will never be charged without choosing a plan first.

Not financial, tax or legal advice

Indivia is a tool to organize your own information. It is not a financial adviser, accountant, tax preparer, lawyer or appraiser, and nothing in it is advice.

The figures it calculates (net worth, returns, capital gains, adjusted cost base, capital cost allowance, rental income, forecasts, retirement projections, lender packages) depend on what you enter and on simplified rules. They can be wrong or incomplete.
Check every tax figure against the official rules and forms of the Canada Revenue Agency and Revenu Québec, or with a professional, before you file or rely on it.
Values, rates and prices may be estimates or out of date.
For your rentals, you are the landlord: you are responsible for the ads you post, the questions you ask, the checks you run and the decisions you make, including under human rights and privacy laws. Read and correct every ad the app fills in from a template before you post it.

Plans and payments

Plans. Free uses the app on one computer, without sync. Basic Connected, Investor and Real-Estate Investor add what the pricing page lists, monthly or yearly, in Canadian or US dollars. Prices are before sales tax: the GST, HST or QST of where you live is added when you pay and shown on your invoice.
Free trial. One free trial per person, with no card: the plan and number of days shown when you start it (today, 28 days of Real-Estate Investor; a change to the offer applies only to trials started after it). You confirm your email first, then start the trial yourself in the app when you are ready. A trial is given once per email address and once per installed app, and is not given again after an account is deleted. At the end of the trial your household goes back to Free unless you choose a plan; we email you 3 days before.
Renewal. A plan renews by itself at the end of each month or year until you cancel. For a yearly plan, you get an email 7 days before it renews. You get a receipt for each payment. If a renewal fails, we try the card again for 14 days, then the household goes back to Free.
Cancelling. You can cancel at any time in the app (Your profile, Subscription and payment, Cancel the plan), or from the App Store or Google Play if you bought it there. You keep your plan until the end of the period you paid for, then your household goes back to Free. Your data stays on your devices.
Refunds. Except where the law requires otherwise, a period that has started is not refunded. If we give a refund (for example after a billing mistake), it returns exactly what you paid, taxes included, to the card or store you paid with; a refund for the whole period ends the plan. Purchases made through Apple or Google are refunded by them, under their rules.
Price changes. A new price never applies to you without notice: we email you at least 30 days before it takes effect, at your next renewal, and you can cancel before then.
The server's copy after a plan ends. It is kept 12 months, then deleted, as the privacy policy explains. We email the owners 30 and 7 days before.
Using the app offline. The app checks your plan with a signed note from our server. It keeps working offline until 30 days after your paid period ends; then the paid screens wait until the device connects again. What you entered for a plan you no longer have is hidden and kept 365 days, as the privacy policy explains.
Codes, free access and rewards. Promo codes, free access and invite rewards are worth what they say, for the time they say; they have no cash value and can't be sold. A referral code must be entered within 60 days of creating the account and before the first payment. An invite reward is a free month of each household's own plan (Free counts as Basic Connected), given 30 days after the friend's first card payment if it was not refunded or disputed and not made with the inviting household's card; a household that invites gets at most 12 rewards a year. We may end a code, a reward or the program, without taking back what was already given, except in case of abuse.
Households. A household has at most 6 people, unless we allow more.
Disputed payments. If you dispute a payment with your bank instead of writing to us, the plan and any free months from rewards end at once, and stay ended whatever the outcome. Please write to support@indivia.app first: we answer billing problems quickly.

Your account

You must be an adult (the age of majority in your province) and give accurate information.
Keep your password, authenticator app and recovery codes safe. Tell us right away at support@indivia.app if you think someone else used your account.
Invite only people you trust into your household: they see its data according to their role.
Don't try to reach other people's data, overload or attack the server, or use Indivia for anything illegal.

Your data

Your data stays yours. You allow us only to store it, sync it and show it to the people you choose, as explained in the privacy policy.
Export: you can take a copy of your data at any time: Export all my data in Settings (a file locked with a password), Excel or PDF from any list, and automatic backups to a folder you choose. You can also ask us at support@indivia.app for a copy of everything the server holds about you.
Delete: you can delete your account at any time (Your profile, then Delete my account), or ask us at support@indivia.app; we answer deletion requests within 30 days.
If we ever have to stop Indivia or erase the data on our server, we will tell you by email at least 30 days before, except in an emergency such as a security problem, so you have time to export your data.

Our responsibility

During the test period Indivia is provided "as is", without any promise that it is free of errors or always available.
As far as the law allows, we are not responsible for losses that come from using Indivia or its figures, or from not being able to use it, such as lost data, tax penalties or financial decisions.
Nothing in these terms takes away rights you have by law that cannot be limited, including under Québec's Consumer Protection Act.

Ending

You can stop at any time and delete your account; deleting it does not cancel a purchase made through Apple or Google, so cancel it there too. We may suspend or close an account that breaks these terms or puts the service or other people at risk. Except in an emergency, we will tell you first and give you time to export your data.

Changes

We may change these terms. Before an important change takes effect, we will tell you by email or in the app.

Law

These terms are governed by the laws of Québec and the federal laws of Canada that apply there. The English and French versions have the same value.

Contact

Emedianet inc., Laval, Québec, Canada
support@indivia.app