Terms of Service

Effective date: June 9, 2026 Last updated: June 9, 2026 Version: 1.0

1. The agreement

These Terms of Service (“Terms”) form a binding agreement between you and Great Raven Renovations Ltd. (the current operating entity of Muninn, “Muninn,” “we,” “our,” “us”) governing your use of the Muninn marketing site, the Muninn application, and everything we offer through them (together, the “Service”).

We are in the process of transferring operation of the Service to Muninn Technologies Inc. Once that entity is incorporated and the transfer takes effect, Muninn Technologies Inc. will become the contracting party under these Terms; the substance of the agreement will continue without interruption and we will notify you in writing of the change.

By creating an account, signing up for the waitlist, clicking “I agree,” accepting a quote or invoice through the client portal, or otherwise using the Service, you accept these Terms. If you do not accept them, do not use the Service.

If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and “you” then means both you and that entity.

2. Who these Terms apply to

These Terms apply to four groups of people, and some sections apply only to specific groups. We identify the audience at the start of each section that is not universal.

1. Visitors — anyone who uses the marketing site at muninn.ca.
2. Contractor users — contractors and trades businesses who create a Muninn workspace at app.muninn.ca, and their team members.
3. Client recipients — homeowners and other clients of contractor users who interact with the public client portal at /approve/:token.
4. Beta participants — anyone invited to the pre-launch / beta program.

3. Eligibility

To use the Service you must be at least the age of majority in your jurisdiction (19 in British Columbia, 18 in most other Canadian provinces), and capable of entering into a binding contract. The Service is offered for use by Canadian renovation contractors and the clients they serve in connection with renovation work in Canada. You may use the Service from outside Canada, but the Service is designed and operated for Canadian contracting practice and Canadian law.

4. The marketing site

Applies to: visitors.

The marketing site at muninn.ca is an information surface only. We grant you a limited, non-exclusive, non-transferable right to view the site for your own personal or internal business use.

You agree not to:

• copy, scrape, or republish material from the site beyond fair-dealing limits;
• use the site to send unsolicited commercial messages to us or to others;
• attempt to break, probe, or stress-test the site outside of a security-research arrangement coordinated with security@muninn.ca.

Marketing-site materials, including text, design, the Muninn name, the Muninn raven mark, and the colour and typography system, are owned by Muninn or its licensors and are protected by copyright and trade-mark law.

5. Waitlist

Applies to: visitors.

If you sign up for the Muninn waitlist by submitting your email address, you authorize us to contact you about your waitlist position and about the Muninn launch. Waitlist messages are not promises of access or pricing. You can unsubscribe at any time using the link in any email, or by emailing hello@muninn.ca.

6. Accounts and workspaces

Applies to: contractor users.

6.1 Creating an account

To use the App you must create a workspace by registering with an email address, choosing a password, and agreeing to these Terms. The first user in a workspace is the “Owner” of that workspace.

6.2 Accuracy and security

You agree that:

• the information you provide on signup, in your company profile, and on every estimate or invoice will be accurate;
• you will keep your password confidential and not share login credentials;
• you are responsible for all activity that occurs under your account;
• you will notify us immediately at security@muninn.ca if you suspect unauthorized access.

6.3 Team members

Owners may invite additional team members and assign them roles. Owners are responsible for the actions and access of all team members in their workspace.

6.4 One workspace per contracting business

Each contracting business should operate one Muninn workspace. Multiple workspaces used to circumvent plan limits are a breach of these Terms.

7. Subscriptions, plans, and billing

Applies to: contractor users.

7.1 Plans and trial

Muninn offers three plan tiers — Starter, Pro, and Studio — at the prices shown on the marketing site at the time you subscribe. A 14-day free trial is available with no credit card required at signup. We may change plan features and prices on 30 days’ notice to existing subscribers; the price you have already paid for a billing period will not change during that period.

7.2 Payment

Subscription billing is handled by Stripe, Inc. Muninn does not store your full payment-card number. By providing payment information you authorize us and Stripe to charge the recurring subscription fee, applicable taxes, and any usage charges to your chosen payment method on each billing date until you cancel.

7.3 Taxes

All prices are quoted in Canadian dollars unless stated otherwise, and are exclusive of GST, HST, PST, QST, and other applicable taxes. You are responsible for those taxes and they will be added to your invoice where required.

7.4 Renewal and cancellation

Subscriptions renew automatically at the end of each billing period (monthly or annual, as you chose) unless cancelled before the renewal date. You can cancel at any time from Settings → Plan & Billing. Cancellation takes effect at the end of the current billing period; we do not pro-rate refunds for partial periods.

7.5 Failed payments

If a payment fails, we will attempt to charge the payment method on file a small number of times. If all attempts fail, we may suspend access to the App until payment is restored, and ultimately downgrade the workspace to a read-only state. Data is preserved according to the deletion timelines in the Privacy Policy.

7.6 No chargebacks

You agree not to dispute or charge back a Muninn subscription payment with your bank or card issuer without first contacting billing@muninn.ca and giving us a reasonable opportunity to resolve the issue. Charging back a valid subscription payment is a breach of these Terms and may result in account termination.

7.7 Refunds

Subscription fees are non-refundable except where required by law or where we agree in writing.

8. Your content and your clients’ data

Applies to: contractor users.

8.1 You own your content

You retain all rights in the data you upload to or generate in the Service — your company profile, line items, estimates, invoices, change orders, draw invoices, expenses, receipts, custom Terms & Conditions, client records, photos, files, and messages (your “Workspace Content”). Muninn does not claim ownership.

8.2 Licence to operate the Service

You grant Muninn a worldwide, non-exclusive, royalty-free licence to host, store, transmit, display, process, back up, and create de-identified aggregated derivatives of your Workspace Content solely as needed to provide and improve the Service, to comply with law, and to enforce these Terms. This licence ends when your Workspace Content is permanently deleted under the retention schedule in the Privacy Policy.

8.3 You are responsible for your Workspace Content

You represent and warrant that you have all rights needed to upload and use your Workspace Content in the Service, and that your use does not infringe anyone’s rights or break the law. You are responsible for the accuracy and lawfulness of every estimate, invoice, contract clause, and communication you generate using the Service.

8.4 Client data — you are the controller

When you enter your clients’ personal information into the Service (names, addresses, project details, signatures, payment data), you are the controller of that data under Canadian and Quebec privacy law and Muninn acts as your processor. You agree that:

• you have a lawful basis to collect, use, and disclose that data through the Service;
• you will give your clients the privacy notices required by law;
• you will respond to client privacy requests you receive directly;
• you will not upload data that is outside the scope reasonably necessary for the renovation work the client engaged you to perform.

8.5 Backups

Muninn maintains rolling backups of the App database (currently a 14-day nightly retention) for operational continuity. Backups are not a substitute for your own export of important records. Export your data periodically using the export features in the Service.

9. Acceptable use

Applies to: everyone.

You agree not to use the Service to:

1. break the law or facilitate breaking the law in Canada or any jurisdiction where you operate;
2. send spam, harass, threaten, or defraud anyone;
3. upload malware, scrape, brute-force, denial-of-service, or otherwise interfere with the Service;
4. attempt to gain unauthorized access to another workspace, another user’s account, the App infrastructure, or the underlying VPS;
5. reverse-engineer, decompile, or copy the Service to create a competing product, except as the law permits;
6. resell, sublicense, or white-label the Service without a separate written agreement with Muninn;
7. impersonate another person or misrepresent your affiliation with a person or organization;
8. upload content you do not have the right to upload, or content that infringes intellectual-property rights or privacy rights;
9. use the Service to issue estimates, invoices, change orders, or contracts you have no intention or capacity to perform.

We may suspend or terminate accounts that violate this section.

10. The AI features

Applies to: contractor users.

Muninn includes optional AI-powered features (an AI estimating assistant and AI receipt OCR) that send your input to third-party providers (currently Google and OpenAI) for processing. The Privacy Policy describes what data is sent and how it is handled.

You acknowledge and agree:

• AI output is a suggestion, not a professional opinion. You are responsible for reviewing every AI-generated line item, total, scope interpretation, and OCR result before relying on it in a quote, invoice, or contract.
• AI providers can produce wrong, incomplete, or fabricated output. Muninn does not warrant the accuracy of any AI feature.
• You will not use the AI features to process content you are legally prohibited from sending to third-party processors, and you will not use them on data sets that require special handling (for example, regulated health information).

You can avoid the AI features entirely by not using the AI estimating assistant and by entering receipts manually.

11. The client portal

Applies to: client recipients and contractor users.

11.1 What it is

When a contractor user sends an estimate or invoice through the App, the client receives a link to a public approval portal at app.muninn.ca/#/approve/:token. The portal lets the client view the document, sign it, decline it, exchange messages with the contractor, and (where enabled by the contractor) pay a deposit through Stripe.

11.2 The contract is between client and contractor

The estimate, invoice, change order, or draw invoice rendered in the portal is a document between the client and the contractor — not between the client and Muninn. The commercial terms, scope, price, schedule, warranty, and any Terms & Conditions appended to that document are the responsibility of the contractor who issued it. Muninn provides the tool; the contractor provides the contract.

11.3 Electronic signatures

By typing your name and / or drawing your signature on the approval page and clicking the sign / accept button, you agree that:

• your electronic signature is the legal equivalent of a handwritten signature in the jurisdictions where you and the contractor operate, under the Personal Information Protection and Electronic Documents Act (PIPEDA) Part 2, the British Columbia Electronic Transactions Act, and equivalent provincial statutes;
• you intend to sign and be bound by the document presented to you;
• the recorded IP address and timestamp are evidence of your signature.

If you do not wish to sign electronically, contact the contractor directly to use an alternative method.

11.4 Payments through the portal

Any deposit or balance you pay through the portal is processed by Stripe and is paid to the contractor, not to Muninn. Refund and dispute requests for those payments go to the contractor first.

12. Beta and pre-launch program

Applies to: beta participants.

While the Service is in pre-launch / beta, the following extra terms apply:

• The Service is provided as-is, with known and unknown defects.
• Features, prices, plan structures, and data-handling practices may change with limited notice.
• Stripe is in test mode during certain phases of beta. Do not use real card numbers in test-mode flows; we are not responsible for real charges incurred in test-mode environments.
• Migration from beta to general availability may require you to confirm new Terms and to re-issue any in-flight Stripe configurations.
• You agree to share reasonable bug reports and feedback when the Service does not work as expected.

13. Intellectual property

The Service, the Muninn name and raven mark, the line-item library, the Terms & Conditions library variants we author, the design system, and all software, documentation, and other materials we provide are owned by Muninn or its licensors. We grant you only the limited rights expressly set out in these Terms; all other rights are reserved.

Feedback you give us about the Service is not confidential and can be used by us without restriction or compensation.

14. Third-party services

The Service integrates with third-party services (Stripe, Google AI, OpenAI, WHC email, Hetzner, Vercel, and others identified in the Privacy Policy). These integrations are provided for your convenience. We are not responsible for the third-party services themselves, their availability, or any loss caused by them, except to the extent a court determines we are jointly responsible.

15. Suspension and termination

15.1 By you

You may stop using the Service at any time. Contractor users can cancel a subscription from Settings → Plan & Billing. Cancellation takes effect at the end of the current billing period.

15.2 By us — for cause

We may suspend or terminate your access immediately, without notice, if we reasonably believe:

• you have materially breached these Terms (including the acceptable-use section);
• you have not paid amounts owing after written reminders;
• your use of the Service poses a security risk to us, to other users, or to a third party;
• a regulator, court, or law requires us to do so.

15.3 By us — for convenience

We may discontinue the Service, or any part of it, on at least 60 days’ written notice to active contractor users. We will provide reasonable means for you to export your Workspace Content during that notice period.

15.4 Effects of termination

On termination, your right to access the Service ends. Sections of these Terms that by their nature should survive (ownership, indemnity, limitation of liability, dispute resolution, and miscellaneous) will survive. Your Workspace Content is handled under the retention schedule in the Privacy Policy.

16. Disclaimers

Applies to: everyone.

To the maximum extent permitted by law:

• The Service is provided “as is” and “as available.” We do not warrant that the Service will be uninterrupted, error-free, secure against every threat, or fit for a particular purpose.
• We do not warrant that AI output, line-item suggestions, OCR results, or template language are accurate, complete, suitable for any specific project, or compliant with the building codes, contracting laws, or tax laws of any jurisdiction.
• Documents generated by the Service, including estimates, invoices, change orders, draw invoices, and Terms & Conditions variants, are not legal advice. You should have important contract documents reviewed by a Canadian lawyer before relying on them.
• We are not responsible for the actions of contractor users toward their clients, or of client recipients toward contractor users.

Nothing in these Terms limits any rights you have that cannot be limited by law (for example, statutory consumer-protection rights in British Columbia and Quebec).

17. Limitation of liability

To the maximum extent permitted by law:

• Neither party will be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost goodwill, lost business opportunities, lost data, or the cost of substitute services, arising out of or relating to the Service or these Terms, even if advised of the possibility of those damages.
• Muninn’s total cumulative liability to any one user arising out of or relating to the Service or these Terms is limited to the greater of:
  • the amount that user has paid to Muninn for the Service in the 12 months before the event giving rise to the claim; and
  • CAD $100.
• These limits apply in aggregate, no matter how many claims, theories of liability, or events are involved.

This section reflects an allocation of risk that is part of the price of the Service. The Service would not be offered without it.

18. Indemnity

You agree to defend, indemnify, and hold harmless Muninn, Great Raven Renovations Ltd., Muninn Technologies Inc. (once incorporated), Great Raven Group Inc., and each of their directors, officers, employees, and contractors, against any third-party claim, demand, suit, or proceeding, and against any resulting losses, damages, fines, and reasonable legal fees, that arise out of:

• your Workspace Content;
• your use of the Service;
• your breach of these Terms or any law; or
• a contract between you (as a contractor user) and your client that Muninn was not a party to.

We will tell you promptly about any claim we receive, let you control the defence (with our reasonable cooperation), and not settle without your consent (which you will not unreasonably withhold).

19. Governing law and disputes

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada that apply there, without regard to conflict-of-laws principles.

You and Muninn agree that the courts of British Columbia have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, subject to the right of either party to seek interim or injunctive relief in any court with jurisdiction.

This section does not deprive Quebec residents of any mandatory protections of Quebec law, including the rules in the Consumer Protection Act and Law 25, where they apply.

The United Nations Convention on Contracts for the International Sale of Goods does not apply.

20. Changes to these Terms

We may change these Terms from time to time. For non-material changes (clarifications, formatting, contact details, sub-processor list refreshes), the change takes effect when we post the new version. For material changes (changes that meaningfully reduce your rights or increase your obligations), we will give you at least 30 days’ notice by email or in-App notice before the change takes effect. If you do not agree to the change, you may cancel your subscription before the change takes effect.

The current version is identified at the top of this document. Older versions are available on request from legal@muninn.ca.

21. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy, the Cookie Policy, and the AI / Data Processing Addendum referenced from the Privacy Policy, are the entire agreement between you and Muninn on this subject.
• No assignment by you. You cannot assign these Terms or your account without our prior written consent. Muninn may assign these Terms to an affiliate or to a successor in connection with a merger, reorganization, or sale of the business, including the assignment to Muninn Technologies Inc. described at the top of this document.
• No waiver. A failure or delay by us in enforcing a right is not a waiver of that right.
• Severability. If a court finds part of these Terms unenforceable, the rest stays in force.
• No partnership. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Muninn.
• Notices. Notices to you may be given by email to the address on your account, by in-App notice, or by posting on the marketing site. Notices to us must be sent to legal@muninn.ca.
• Languages. These Terms are provided in English and French. The French version is provided for convenience and consultation; in the event of a conflict between the two, the English version prevails, except where Quebec law requires otherwise.

22. Contact

• Legal and contract questions: legal@muninn.ca
• Billing: billing@muninn.ca
• Support: support@muninn.ca
• Security: security@muninn.ca
• Privacy: privacy@muninn.ca
• General: hello@muninn.ca

Mailing address: Great Raven Renovations Ltd., Salt Spring Island, British Columbia, Canada (full address provided on request).

These Terms were prepared as an operational document for the Muninn Service. They are not a substitute for advice from a qualified Canadian lawyer; obtain such advice before relying on them in disputes, regulatory filings, investor diligence, or any negotiation with enterprise customers.