TERMS OF USE

Effective date: August 5, 2026
Last updated: August 5, 2026

These Terms of Use are a legal agreement between you and Gnowise Inc., operating under the name “Luka” (“Luka,” “we,” “us,” or “our”).

They govern your access to and use of:

askluka.ca;
Luka accounts;
Luka property-intelligence services;
Luka artificial-intelligence, voice, document, listing, portfolio, monitoring, transaction, reporting, referral, and related features;
any application, plugin, API, report, export, or service that links to these Terms.

By accessing or using Luka, creating an account, purchasing credits or a subscription, or clicking to accept these Terms, you agree to them.

Do not use Luka if you do not agree.

1. Important Notice

LUKA IS AN INFORMATIONAL TECHNOLOGY PLATFORM.

LUKA IS NOT A LAW FIRM, ACCOUNTING FIRM, REAL-ESTATE BROKERAGE, APPRAISAL FIRM, ENGINEERING FIRM, FINANCIAL INSTITUTION, MORTGAGE BROKERAGE, INSURANCE BROKERAGE, INVESTMENT ADVISOR, ENVIRONMENTAL CONSULTANT, HOME-INSPECTION COMPANY, OR GOVERNMENT AUTHORITY.

LUKA DOES NOT PROVIDE LEGAL, FINANCIAL, INVESTMENT, TAX, ACCOUNTING, REAL-ESTATE, APPRAISAL, MORTGAGE, CREDIT, INSURANCE, ENGINEERING, ENVIRONMENTAL, CLIMATE, ZONING, PLANNING, CONSTRUCTION, INSPECTION, OR OTHER PROFESSIONAL ADVICE.

NO PROFESSIONAL, ADVISORY, FIDUCIARY, BROKERAGE, AGENCY, CLIENT, OR REPRESENTATIVE RELATIONSHIP IS CREATED BY YOUR USE OF LUKA.

2. Eligibility

You must:

be at least 18 years old;
have legal capacity to enter a binding agreement;
use Luka only for lawful purposes;
provide accurate account information;
have authority to submit all information and documents you provide.

You may not use Luka on behalf of another person or organization unless authorized to do so.

3. Luka’s Role

Luka may combine:

user-provided information;
public information;
licensed data;
listing information;
municipal and government information;
valuation and market data;
climate and environmental information;
deterministic calculations;
statistical methods;
third-party APIs;
artificial-intelligence models;
document extraction;
historical information;
assumptions and estimates.

Luka organizes and explains information. Luka does not independently inspect a property, search title, verify legal rights, confirm zoning, confirm building condition, bind insurance, approve financing, conduct an appraisal, or guarantee the accuracy of a third-party source.

4. No Advice and No Reliance

All Luka content is provided for general informational and educational purposes only.

You must not rely on Luka as the sole or primary basis for:

purchasing, selling, leasing, financing, renovating, insuring, developing, or investing in property;
making or waiving an offer condition;
setting an offer price;
determining fair market value;
obtaining or extending credit;
determining mortgage affordability;
determining tax liability;
determining legal rights or obligations;
determining property condition;
determining title, easements, encroachments, or restrictions;
determining zoning or permitted use;
determining environmental or climate risk;
determining insurability;
determining expected investment return;
determining whether a deadline has been satisfied;
making any other material financial or legal decision.

Before acting, you must independently verify all material information and obtain advice from appropriately qualified and licensed professionals.

A decision involving significant financial exposure should never be made exclusively from an automated estimate, AI response, property score, report, warning, ranking, or forecast.

5. Estimates Are Not Appraisals

Any Luka valuation, value range, rental estimate, forecast, liquidity measure, replacement-cost estimate, offer range, investment return, risk score, or other estimate:

is not an appraisal;
is not a broker price opinion;
is not a lender-approved valuation;
is not a guarantee of current or future market value;
is not an offer to purchase or sell;
may differ materially from actual market outcomes;
may change when data, assumptions, property characteristics, or market conditions change.

A revised valuation generated after a user changes property attributes does not establish that the revised attributes are correct.

Users must provide only evidence-based corrections. Users must not manipulate property attributes to obtain a preferred valuation.

6. Artificial-Intelligence Limitations

Artificial-intelligence systems may produce content that is:

inaccurate;
incomplete;
outdated;
inconsistent;
fabricated;
misleading;
unsuitable for your circumstances.

Luka may misunderstand your question, a document, an address, a property attribute, or the significance of a source.

AI-generated explanations do not override deterministic calculations, source records, hard stops, or professional advice.

You must review all AI output critically and verify it independently before acting.

7. Property and Listing Information

Property and listing information may be:

delayed;
incomplete;
duplicated;
incorrectly normalized;
withdrawn;
changed;
subject to licensing restrictions;
different from information available through a brokerage, board, registry, municipality, owner, or professional.

A listing shown as active may no longer be available. A nearby or directional search may be affected by location accuracy, heading, map data, geocoding, listing coordinates, and database freshness.

Luka does not guarantee:

listing availability;
listing completeness;
listing accuracy;
geographic precision;
neighbourhood boundaries;
travel distance;
property boundaries;
unit identification;
seller disclosures;
MLS or DDF completeness;
continued access to a data source.

8. Property Condition and Documents

Luka does not physically inspect properties.

Document extraction may fail or misinterpret:

scans;
handwriting;
tables;
diagrams;
photographs;
embedded fonts;
signatures;
amendments;
clauses;
technical terminology;
legal deadlines.

A document summary is not a substitute for reading the complete original document.

You must have a lawyer review legal documents, an inspector assess property condition, an appraiser determine value where required, and other qualified professionals review matters within their expertise.

9. Financial and Mortgage Calculations

Mortgage, affordability, tax, closing-cost, return, IRR, NPV, rent, cash-flow, refinancing, penalty, and other financial calculations depend on assumptions.

Actual results may differ because of:

lender policies;
borrower qualifications;
credit information;
interest-rate changes;
compounding conventions;
payment schedules;
insurance requirements;
closing adjustments;
legal fees;
taxes;
municipal rules;
rebates;
property use;
occupancy;
transaction dates;
underwriting;
changing legislation;
provider fees.

Luka does not approve financing, represent a lender, or guarantee eligibility for a mortgage, rebate, insurance product, tax treatment, or government program.

10. Climate, Environmental, Zoning, and Municipal Information

Climate, environmental, zoning, permit, development, school, neighbourhood, seismic, flood, wildfire, wind, heat, pollution, noise, and similar information may be incomplete, modelled, generalized, historical, or based on geographic approximations.

Such information does not replace:

environmental assessment;
engineering review;
survey;
title search;
zoning certificate;
municipal confirmation;
insurance underwriting;
legal review;
on-site investigation.

Neighbourhood trajectory and school information are contextual only and must not be treated as guarantees of property quality, resident characteristics, future value, safety, suitability, or investment performance.

11. Forecasts and Portfolio Scenarios

Forecasts and portfolio scenarios are hypothetical.

They may depend on uncertain assumptions concerning:

appreciation;
rent;
vacancy;
liquidity;
interest rates;
expenses;
taxes;
climate impacts;
financing;
property condition;
economic conditions;
sale timing.

Past performance and historical relationships do not guarantee future results.

Luka does not manage investments, hold funds, execute purchases, allocate capital, or owe a fiduciary duty.

12. Transaction Timelines and Alerts

Transaction timelines, reminders, monitoring notices, and deadline alerts are organizational aids only.

Luka does not guarantee that:

every deadline has been identified;
an extracted deadline is legally correct;
a reminder will be delivered;
email will arrive;
a provider or scheduled task will remain available;
a completed item satisfies a contractual condition.

You remain solely responsible for reviewing the governing agreement and confirming all deadlines with your lawyer, lender, insurer, broker, or other appropriate professional.

Failure to receive a Luka alert does not extend or change any deadline.

13. Professional Referrals

Luka may facilitate introductions to independent professionals or service providers.

Unless expressly stated in a separate written agreement:

Luka does not employ or supervise them;
Luka does not endorse or guarantee them;
Luka is not responsible for their advice, conduct, services, fees, errors, omissions, licensing, availability, or results;
no provider is authorized to bind Luka.

You are responsible for independently evaluating and retaining any provider.

Luka may receive a referral fee or other benefit where disclosed and legally permitted.

14. Account Security

You are responsible for:

keeping credentials confidential;
securing your email and devices;
using accurate account information;
all activity conducted through your account;
notifying Luka promptly of suspected unauthorized access.

You may not:

share an account in a way that defeats plan limits;
circumvent authentication or authorization;
access another user’s information;
misuse password resets;
use automated credential attacks;
use WordPress or application-password functions to bypass Luka’s account controls.

We may suspend or terminate an account where necessary to protect Luka, users, providers, or data.

15. Acceptable Use

You must not:

use Luka unlawfully or fraudulently;
upload information you have no right to use;
infringe intellectual-property, privacy, confidentiality, or contractual rights;
submit malware, harmful code, or malicious documents;
probe, scan, attack, reverse engineer, or bypass security;
access databases, schemas, credentials, administrative functions, or records without authorization;
submit raw SQL or attempt prompt injection;
scrape or bulk-export listings or provider data;
resell restricted or licensed data;
use Luka to discriminate unlawfully;
use neighbourhood, school, demographic, or contextual information as a prohibited proxy;
misrepresent Luka output as a professional appraisal, legal opinion, lender approval, insurance decision, or government determination;
remove source, evidence, copyright, trademark, attribution, or licensing notices;
overload Luka or interfere with another user;
use Luka to train or create a competing product using restricted output, except where expressly authorized;
use Luka for an emergency or life-safety decision.

16. User Content

You retain ownership of content you lawfully submit.

You grant Luka a limited, non-exclusive, worldwide licence to host, copy, process, transform, analyze, display, transmit, and otherwise use that content only as reasonably necessary to:

provide requested services;
operate and secure Luka;
generate reports;
comply with your selected consent scope;
satisfy legal obligations;
investigate misuse;
improve Luka where permitted.

You represent that:

you have all necessary rights and permissions;
the content is accurate to the best of your knowledge;
the content does not violate law or another person’s rights;
you have obtained required consent for personal information concerning others.

17. Feedback

If you provide product ideas, suggestions, or feedback, you grant Luka a perpetual, irrevocable, worldwide, royalty-free right to use and incorporate that feedback without compensation or attribution, provided that Luka does not publicly identify you without permission.

18. Luka Intellectual Property

Luka and its licensors own all rights in:

software;
interfaces;
designs;
calculations;
methodologies;
reports;
documentation;
trademarks;
branding;
databases;
models;
compilations;
generated structures;
proprietary knowledge and evidence systems.

Except for rights expressly granted in these Terms, no licence is granted.

You may use a report for your personal or authorized internal business purposes. You may not falsely alter, reproduce, sell, sublicense, or distribute Luka technology or restricted data.

19. Third-Party Services and Data

Luka depends on third-party services and data providers.

They may:

change or discontinue services;
impose quotas;
provide incorrect data;
experience outages;
change terms;
restrict permitted use;
process information in other jurisdictions.

Luka is not responsible for third-party acts, omissions, content, data, availability, security, or policies.

Your use of some features may also be subject to third-party terms.

20. Credits, Subscriptions, and Payments

Where Luka offers paid services:

prices, taxes, credits, usage limits, and billing periods will be shown at purchase;
credits may be consumed when an eligible request is successfully initiated or completed, as disclosed;
credits have no cash value;
credits are not transferable unless expressly permitted;
unused credits may expire where clearly disclosed and legally permitted;
subscription fees may recur until cancelled;
cancellation stops future renewal but may not refund the current period;
payment failures may result in suspension.

Except where required by law or expressly stated, fees and consumed credits are non-refundable.

Nothing in these Terms removes cancellation, refund, disclosure, or other consumer rights that cannot legally be waived.

21. Changes and Availability

We may:

add, change, limit, suspend, or discontinue features;
modify provider integrations;
correct calculations;
update rules or sources;
change usage limits;
perform maintenance;
restrict staged, beta, or experimental features.

Luka does not guarantee uninterrupted, timely, secure, or error-free availability.

Incomplete analyses may be saved and retried, but completion is not guaranteed.

22. Beta and Staged Features

Some Luka features may be identified as:

beta;
experimental;
staged;
preview;
conditional;
partially supported;
unavailable in some regions.

These features may be less reliable and may change without notice.

Do not use staged or experimental features for material decisions without independent verification.

23. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUKA AND ALL CONTENT, DATA, REPORTS, ESTIMATES, SOFTWARE, AND SERVICES ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.”

LUKA DISCLAIMS ALL EXPRESS, IMPLIED, STATUTORY, AND COLLATERAL WARRANTIES, REPRESENTATIONS, CONDITIONS, AND GUARANTEES, INCLUDING:

ACCURACY;
COMPLETENESS;
CURRENTNESS;
MERCHANTABILITY;
FITNESS FOR A PARTICULAR PURPOSE;
TITLE;
NON-INFRINGEMENT;
QUIET ENJOYMENT;
RELIABILITY;
SECURITY;
AVAILABILITY;
PERFORMANCE;
RESULTS;
PROFESSIONAL STANDARD OF CARE.

LUKA DOES NOT WARRANT THAT ANY ERROR WILL BE CORRECTED OR THAT ANY RESULT WILL MATCH AN APPRAISAL, SALE PRICE, RENT, FORECAST, PROFESSIONAL OPINION, LENDER DECISION, INSURANCE DECISION, MUNICIPAL DECISION, OR ACTUAL OUTCOME.

SOME WARRANTIES OR CONDITIONS MAY NOT LEGALLY BE EXCLUDED. THIS SECTION APPLIES ONLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

24. Assumption of Risk

You acknowledge and accept that real-estate, financing, investment, legal, tax, climate, renovation, and transaction decisions involve substantial risk.

You assume full responsibility for:

verifying information;
choosing qualified professionals;
deciding whether to act;
reviewing source documents;
confirming deadlines;
obtaining financing and insurance;
inspecting property;
conducting due diligence;
understanding transaction documents;
accepting or rejecting recommendations.

You use Luka voluntarily and at your own risk.

25. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUKA AND ITS OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, DATA PROVIDERS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY:

INDIRECT;
INCIDENTAL;
SPECIAL;
EXEMPLARY;
AGGRAVATED;
PUNITIVE;
CONSEQUENTIAL;
RELIANCE-BASED;
ECONOMIC;

LOSS OR DAMAGE, INCLUDING:

LOST PROFITS;
LOST REVENUE;
LOST SAVINGS;
LOST OPPORTUNITY;
LOSS OF DATA;
LOSS OF PROPERTY VALUE;
OVERPAYMENT;
UNDERPRICING;
FINANCING LOSS;
TAX LIABILITY;
INSURANCE LOSS;
RENOVATION COST;
SPECIAL ASSESSMENT;
MISSED DEADLINE;
FAILED TRANSACTION;
BUSINESS INTERRUPTION;
REPUTATIONAL HARM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUKA’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATING TO LUKA, THESE TERMS, OR ANY SERVICE WILL NOT EXCEED THE GREATER OF:

THE AMOUNT YOU PAID DIRECTLY TO LUKA FOR THE AFFECTED SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR
CAD $100.

THE LIMIT APPLIES REGARDLESS OF:

THE FORM OF ACTION;
WHETHER LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STATUTE, EQUITY, OR OTHERWISE;
WHETHER LUKA WAS ADVISED OF THE POSSIBILITY OF LOSS;
WHETHER A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

THIS SECTION DOES NOT EXCLUDE OR LIMIT LIABILITY THAT CANNOT LEGALLY BE EXCLUDED OR LIMITED.

26. Indemnity

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Luka and its owners, directors, officers, employees, contractors, affiliates, licensors, providers, and representatives from claims, losses, liabilities, damages, judgments, penalties, expenses, and reasonable legal fees arising from:

your unlawful or unauthorized use of Luka;
your breach of these Terms;
information or documents you submit;
your infringement of another person’s rights;
your misuse or redistribution of data;
your misrepresentation of Luka output;
decisions or representations you make to another person using Luka output.

This obligation does not apply to the extent a claim results from conduct for which indemnification cannot lawfully be required.

27. Suspension and Termination

We may suspend, restrict, or terminate access where:

you violate these Terms;
payment is overdue;
use creates security, legal, privacy, licensing, or operational risk;
required by a provider or authority;
needed to protect another user;
Luka or a feature is discontinued.

You may stop using Luka and request account deletion through the available account controls.

Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnity, dispute provisions, and records required by law.

28. Governing Law

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

Subject to mandatory rights and jurisdictional rules that cannot be waived, disputes will be submitted to the courts located in Toronto, Ontario, and each party accepts their jurisdiction.

Nothing in these Terms prevents either party from seeking urgent injunctive relief where appropriate.

29. Informal Dispute Process

Before starting a legal proceeding, you agree to send written notice describing:

the dispute;
the relevant account;
the requested resolution;
supporting information.

Send notices to:

Email: [LEGAL EMAIL]
Mailing address: [LEGAL MAILING ADDRESS]

The parties will attempt in good faith to resolve the dispute for at least 30 days, unless urgent relief is reasonably required.

30. Consumer Rights

Nothing in these Terms waives, restricts, or excludes rights or remedies that cannot legally be waived under applicable consumer-protection or other legislation.

Where a provision conflicts with a mandatory legal requirement, the mandatory requirement will prevail only to the extent of the conflict.

31. Changes to These Terms

We may update these Terms.

Material changes may be communicated through:

the website;
account notice;
email;
a renewed acceptance request.

Continued use after an effective update constitutes acceptance where legally permitted.

Changes will not retroactively remove accrued mandatory rights.

32. General Provisions

Entire agreement

These Terms, the Privacy Policy, and any applicable order or subscription terms form the entire agreement concerning Luka.

Severability

If a provision is invalid or unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions will continue.

No waiver

Failure to enforce a provision is not a waiver.

Assignment

You may not assign these Terms without written consent. Luka may assign them in connection with a reorganization, financing, sale, merger, or transfer of business, subject to applicable law.

Force majeure

Luka is not responsible for delay or failure caused by events beyond reasonable control, including provider outages, internet failures, cyberattacks, labour disruptions, natural disasters, government action, utility failures, or changes in data access.

Headings

Headings are for convenience only.

Electronic communications

You agree to receive agreements, disclosures, notices, and records electronically, subject to applicable law.

33. Contact

[LEGAL ENTITY NAME]
Operating as Luka

Website: askluka.ca
Legal email: Legal
Privacy email: legal@gnowise.com

34. Acceptance

BY USING LUKA, YOU CONFIRM THAT:

YOU HAVE READ AND UNDERSTOOD THESE TERMS;
YOU UNDERSTAND THAT LUKA DOES NOT PROVIDE PROFESSIONAL ADVICE;
YOU WILL INDEPENDENTLY VERIFY MATERIAL INFORMATION;
YOU ACCEPT THE RISKS AND LIMITATIONS DESCRIBED ABOVE;
YOU AGREE TO BE BOUND BY THESE TERMS.