TTB LIMITED

PRIVACY NOTICE

Effective Date: February 9, 2026

Last Updated: February 9, 2026

TTB Limited ("TTB", "we", "our", "us") provides a digital platform that allows tenants to make rent and bill payments that are forwarded to landlords or their duly authorized representatives, including property managers or other verified payees, and allows landlords or their duly authorized representatives, including property managers to make special assessment payments, condominium fees, utility fees, or other associated charges. Our platform also enables landlords or their duly authorized representatives, including property managers, to list properties and connect with prospective tenants. This Privacy Notice explains how TTB collects, uses, stores, and protects personal information. By accessing or using our services, you agree to this Notice.


1. LIMITED SCOPE OF RESPONSIBILITY

TTB only collects information necessary for:

TTB does not guarantee the accuracy or legitimacy of information provided by users, landlords or their duly authorized representatives, including property managers, or third-party partners.

TTB is not a bank, escrow service, fiduciary, insurer, or guarantor of any payment outcome.


2. INFORMATION WE COLLECT

We collect the minimum legally or operationally required data:

We do not collect unrelated, unnecessary, or sensitive information beyond what is needed.

We do not collect or store any payment card details. All payments are processed directly by our Payment Card Industry Data Security Standard (PCI-DSS)-compliant payment processor. TTB only collects basic transaction information necessary for forwarding payments, such as the payer's name, payee's name, payment amount, address and any optional notes (e.g., rent, condo fee).


3. HOW WE USE INFORMATION

We use personal information only to:

  1. Process and forward payments
  2. Verify identity and comply with AML laws
  3. Prevent fraud or misuse
  4. Maintain platform security
  5. Meet regulatory and legal obligations

Any additional use is expressly disclaimed.


4. DISCLOSURE OF INFORMATION

We disclose information only to:

TTB does not sell, rent, or share user data for advertising or marketing.


5. DATA RETENTION

Data is retained only as long as required by:

Once retention periods expire, data is securely deleted or anonymized.

TTB may retain non-identifiable anonymized data indefinitely.


6. USER RESPONSIBILITIES

You agree to:

TTB is not responsible for any loss caused by user negligence or misrepresentation.


7. SECURITY DISCLAIMER & WARRANTY DISCLAIMER

TTB uses commercially reasonable, industry‑standard safeguards to protect the platform and user information. However, users acknowledge and agree that:


8. STRICT LIMITATION OF LIABILITY

To the maximum extent permitted by Ontario law, TTB's total liability for any claim arising out of or relating to the service is limited to the greater of: (a) $0, or (b) the total amount of TTB's own platform fees actually paid by you to TTB in the twelve (12) months preceding the event giving rise to the claim.

For clarity, "TTB's own platform fees" refers exclusively to TTB's handling fees and does not include, without limitation, rent amounts, housing payments, service fees, credit‑card processing fees, pass‑through charges, or any other amounts collected and forwarded by TTB on your behalf.

To the fullest extent permitted by law, TTB is not liable for any:


9. CROSS-BORDER PROCESSING

Some data may be processed outside Canada. By using TTB, you consent to:


10. LIMITED PRIVACY RIGHTS

You may request access or correction of your data; however, requests may be denied if:

Deletion requests cannot override legal retention requirements.


11. CHANGES TO TERMS

TTB may amend, modify, or update these Terms, the Privacy Notice, or any related policies at any time, with or without notice, to reflect operational, legal, or regulatory requirements. Your continued access to or use of the service after any changes take effect constitutes your acceptance of the updated Terms. If you do not agree to the changes, you must stop using the service.


12. GOVERNING LAW

These Terms, and any dispute, claim, or proceeding arising out of or relating to the service, your use of the service, or your relationship with TTB, are governed exclusively by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice‑of‑law or conflict‑of‑law principles that would result in the application of the laws of any other jurisdiction.


13. MANDATORY ARBITRATION

13.1 Binding Individual Arbitration

Any dispute, claim, or proceeding arising out of or relating to these Terms, your use of the service, or your relationship with TTB shall be resolved exclusively through binding individual arbitration, rather than in court. No judge or jury will be involved, and court review of an arbitration award is limited.

13.2 Opt Out Window

You may opt out of arbitration within 30 days of first accepting these Terms by emailing: contact@gottb.ca

13.3 Arbitration Opt Out

If you do not opt out within 30 days, arbitration is mandatory.

13.4 Class Action Waiver

To the fullest extent permitted by law, you agree not to:

All arbitration must be conducted on an individual basis only.

13.5 Venue & Rules

13.6 Exceptions

TTB may seek relief in court for:

These actions do not waive TTB's right to require arbitration for all other disputes.

13.7 Severability

If any part of this arbitration clause is found unenforceable, the remaining portions shall remain in full force and effect.


14. CONTACT

For general inquiries, support, or questions about these Terms or the Privacy Notice, you may contact TTB at:

contact@gottb.ca

For arbitration opt‑out requests (within the permitted 30‑day window), you must email:

contact@gottb.ca

Subject line: Arbitration Opt‑Out

Last Updated: February 9, 2026