Terms of service.

SECTION 01

About these terms

These terms are the agreement between you and Owneli when you use the Owneli website, booking pages, client portal, staff application or mobile apps.

These terms of service (the “terms”) are an agreement between you and Owneli Software Inc. (“Owneli”, “we”, “us”). By creating an account, booking through a page we host, or otherwise using the Owneli platform, you agree to them. If you do not agree, do not use the platform.

• If you book, buy or manage visits with a business through Owneli, the sections for clients apply to you.
• If you run a business on Owneli, or use it as a member of a business’s team, the sections for businesses apply to you, and you accept them on behalf of the business. You confirm you have the authority to do that.
• The sections on liability, disputes, changes and the rest of the general terms apply to everyone.

The privacy policy explains how personal information is handled, and forms part of these terms. A business may also publish its own policies, such as its cancellation policy; those apply between you and that business.

Using the platform or accepting these terms does not constitute consent to optional analytics or advertising tracking. Those choices are made separately through Cookie settings and can be changed there. Declining optional tracking does not prevent booking or payment. The privacy policy and the cookie policy at /cookies explain the processing and choices.

SECTION 02

Booking with a business

Owneli provides the booking page. The appointment, the service and the price are between you and the business.

When you book an appointment, buy a product or join a membership through a page Owneli hosts, you are dealing with the business named on that page. The business, not Owneli, provides the service, sets its prices, availability and descriptions, decides who performs a treatment, and is responsible for the quality and safety of what it provides. Owneli is not a party to that arrangement and does not provide beauty, wellness, medical or any other personal services.

• Give accurate information when you book, including anything the business asks for its health and safety screening. A business may need it to treat you safely, and may decline or change a treatment based on it.
• A booking is a request until the business confirms it. The confirmation you receive by email or text is the record of what you booked.
• Questions about a treatment, an outcome or a complaint about the service go to the business. Its contact details are on its booking pages and on your confirmation.

SECTION 03

Cancellations, deposits and no-shows

Each business sets its own booking policy. You see it before you book, and it is what applies.

A business can require a deposit, can ask you to save a card to hold a booking, and can charge a fee if you cancel late or do not attend. Its policy, including any amounts and time limits, is shown to you before you confirm, and you accept it as part of booking. The accepted policy is recorded with your booking.

• A card saved to hold a booking is saved through a secure form hosted by our payment provider. Owneli never sees the card number.
• A business may charge a saved card only as its accepted policy allows: for a late cancellation, a missed appointment, or a balance you agreed to pay.
• Refunds of deposits and fees are decided by the business under its policy and the law. If you disagree with a charge, contact the business first. You keep any rights you have with your card issuer.

SECTION 04

Payments

Card payments are processed by Stripe. The business you pay is the seller.

Payments made through Owneli are processed by Stripe, our payment provider, on behalf of the business you are paying. The business is the seller of the service or product, receives the payment, and issues your receipt through Owneli. Prices are shown in the business’s currency and include or exclude taxes as the business displays them.

By paying, you confirm you are authorised to use the payment method. Tips, where offered, go to the business for distribution to its team under its own practices.

SECTION 05

Gift cards, memberships and packages

These are issued by the business and redeemed with the business, under its terms and the law.

Gift cards, memberships, packages and loyalty rewards bought or earned through Owneli are issued by the business, not by Owneli, and can be used only with that business. The business is responsible for honouring them and for complying with the gift card and prepaid laws that apply to it, including any rules against expiry dates or inactivity fees.

• A membership renews and bills as the business describes when you join. You can cancel as that business’s terms allow, and where the business has enabled it, from your client portal.
• Package sessions and membership credits are used up as you use the services they cover, and their expiry, if any, is shown when you buy.
• If a business stops using Owneli, any balance you hold remains a matter between you and that business.

SECTION 06

Your client account

A portal sign-in lets you see your visits, receipts and balances across the businesses that know you.

You can use many booking pages without an account. If you create a client portal sign-in, keep your sign-in details secure and tell us if you think someone else has used them. You must be the age of majority where you live, or have the permission of a parent or guardian who accepts these terms for you.

You can ask to delete your client sign-in at any time. Deleting it removes the sign-in and its links; each business keeps its own record of you, as the privacy policy explains.

SECTION 07

Messages from businesses

You receive service messages about your bookings, and marketing only with consent.

By booking, you agree to receive service messages about that booking (confirmations, reminders, receipts, forms and payment links), and about a gift card someone sends you, by email and, where you give a mobile number, by text. Marketing messages are sent only as your consent allows. Reply STOP to any text to stop texts from that business, or HELP for its contact details; use the unsubscribe link in any marketing email. Message frequency varies, and your carrier’s message and data rates may apply.

SECTION 08

Reviews and what you share

Reviews must be your own honest experience. You keep ownership of what you write.

If a business invites you to leave a review, it must describe your own genuine experience. Do not post reviews for a business you did not visit, reviews written in exchange for a reward that you do not disclose, or content that is unlawful, abusive, discriminatory or that reveals someone else’s private information.

You own what you write. You give Owneli and the business a worldwide, non-exclusive, royalty-free licence to host, display and reproduce it on the business’s pages and in the platform for as long as it is published. A business may reply publicly. We may remove content that breaks these terms or the law.

SECTION 09

Using the platform fairly

The rules that keep the platform safe for everyone who uses it.

Whoever you are, you agree not to:

• use the platform for anything unlawful, fraudulent or harmful, or to harass or impersonate anyone;
• book appointments you do not intend to keep in order to block a business’s calendar;
• access another person’s account, records or messages without permission;
• probe, scan or test the platform’s security, or interfere with its operation, without our written permission;
• copy, scrape, reverse engineer or resell the platform, or use it to build a competing product;
• upload malware, or content you do not have the right to share.

We may suspend or close an account that breaks these rules, with notice where it is safe and practical to give it.

SECTION 10

Business accounts

A business account belongs to the business. Its owner is responsible for who uses it and how.

To open a business account you must be at least the age of majority where you live and able to enter a binding contract for the business. The person who opens the account is its owner until ownership is transferred. The owner and administrators decide who joins the team and what each person may do, and the business is responsible for everything done under its account.

• Give accurate information about the business, and keep it current.
• Each team member uses their own sign-in. Do not share sign-ins, and turn on two-factor authentication where it is offered.
• Remove access promptly when someone leaves, and tell us straight away if you suspect an account has been compromised.

SECTION 11

Plans, fees and credits

If your plan has fees, you pay them in advance, and they renew until you cancel.

Owneli is offered on the plans and add-ons described when you sign up or upgrade. Where a plan or add-on has a fee:

• Fees are billed in advance for each billing period and renew automatically until you cancel. You can cancel at any time, and the cancellation takes effect at the end of the period you have paid for.
• Fees are exclusive of taxes unless stated otherwise, and you pay the applicable sales taxes.
• We give at least 30 days’ notice of a price change, and it applies from your next billing period after that notice.
• Messaging credits are bought in advance and used as messages are sent. Unused credits are not refundable except where the law requires, and remain available while your account is open.
• Except where the law requires otherwise or these terms say so, fees already paid are not refundable, including for a partial period.
• If a payment fails, we will tell you and may limit paid features until it is resolved.

A free trial or early access period lasts as long as we tell you when it starts. We may change or end it with reasonable notice.

SECTION 12

Your data, and our role

You own your business data. We hold and process it only to provide the service to you.

Everything your business puts into Owneli, including client records, appointments, forms, charts, photographs, sales and messages, is your business data and remains yours. You give Owneli permission to host, store, copy, transmit and process it only as needed to provide, secure and support the platform for you, and as described in the privacy policy. For your clients’ personal information, you are the controller and Owneli is your processor or service provider, and we act only on your instructions given through your use of the platform.

• We do not sell your business data, and we do not use your client records to market to your clients or for any other business.
• We may use aggregated, de-identified information about how the platform is used to operate and improve it. It never identifies you or your clients.
• You can export your data at any time while your account is open, including a full per-client export.
• After your account closes, you have 30 days to export your data. We then delete or de-identify it within a reasonable period, except records we must keep by law, such as tax and accounting records.

SECTION 13

Your responsibilities to your clients

Owneli gives you the tools. Using them lawfully with your own clients is your responsibility.

You are responsible for how your business uses Owneli with its clients and team. In particular, you agree to:

• Give your clients a privacy notice that covers the information you collect through Owneli, and obtain the consents the law requires, including express consent before collecting health information.
• Get a client’s consent before taking or keeping photographs of them, and a parent’s or guardian’s consent for a minor, and keep a record of it.
• Meet the professional, licensing and record-keeping obligations of your field, including any duty as a health information custodian, and set retention periods that match them.
• Send marketing messages only with the consent the law requires, including Canada’s Anti-Spam Legislation, the Telephone Consumer Protection Act and the CAN-SPAM Act, and honour opt-outs. Owneli records consent and processes opt-outs, but the decision to send is yours.
• Show your cancellation, deposit and no-show policy clearly, and charge a client’s saved card only as the policy the client accepted allows.
• If you sell memberships or other recurring payments, tell clients the amount and how often they are charged before they agree, and let them cancel as easily as they signed up.
• Comply with the gift card, prepaid, consumer protection, pricing and tax laws that apply to what you sell.
• If you enable analytics or advertising integrations, disclose the configured providers and purposes, honour visitors’ category choices and withdrawals, and do not circumvent Owneli’s consent controls. You remain responsible for tracking scripts and consent controls on any separate website where you embed Owneli.
• Keep your prices, services, availability and business details accurate.
• Not upload information you have no right to hold, or use Owneli for a business or purpose that is unlawful.

SECTION 14

Taking payments

Payments run through Stripe. Your business is the seller, pays Owneli’s card fee, and is responsible for refunds and chargebacks on its sales.

Payment processing services for businesses on Owneli are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (together, the Stripe Services Agreement). By agreeing to these terms or continuing to take payments through Owneli, your business agrees to be bound by the Stripe Services Agreement, as Stripe may modify it from time to time. As a condition of Owneli enabling payment processing services through Stripe, your business agrees to give Owneli accurate and complete information about the business and the people who own and run it, and authorises Owneli to share that information, and transaction information related to its use of the payment processing services provided by Stripe, with Stripe.

When a client pays, the payment is made through Owneli’s Stripe account on your business’s behalf, and your business is named as the seller. Owneli’s fee is taken at that moment and the rest goes to your business’s Stripe account straight away. Stripe then pays it out to your bank account on the schedule you choose in Settings (daily, weekly or monthly), subject to Stripe’s payout timing and to any hold or reserve Stripe applies. Owneli does not hold your funds, and is not a bank, a money transmitter or a payment processor.

• Card fee. Owneli charges a fee on each card payment your business takes through Owneli: a percentage of the payment plus, in some currencies, a fixed amount in the payment’s currency. From 7 December 2026 the fee is 3.4% plus US$0.30 for payments in US dollars, 3.4% plus CA$0.30 in Canadian dollars, 3.4% plus €0.30 in euros, 4.2% plus MX$4.00 in Mexican pesos, and 3.4% with no fixed amount in any other currency. Until 7 December 2026 it is 3.2% of the payment plus 30 cents in the payment’s currency. Stripe’s processing fees are included in it: Owneli pays Stripe, and your business pays no separate processing fee to Stripe for these payments. A change to the card fee follows the notice rule for price changes under plans, fees and credits.
• Refunds. Your business decides refunds under its own policy and the law. The refunded amount comes out of your business’s Stripe balance. Owneli’s fee on the payment is not returned, except where the refund corrects an error Owneli made.
• Chargebacks. If a client disputes a payment with their bank, the disputed amount is taken from your business’s Stripe balance while the dispute is open, and returned if the dispute is won. If it is lost, the amount stays with the client and Stripe’s dispute fee is charged to your business. Your business answers disputes with its own records, and Owneli helps prepare the answer.
• Amounts your business owes. Owneli is responsible to Stripe for refunds, chargebacks, dispute fees and card network fines on its businesses’ payments that a business does not cover. Your business authorises Owneli and Stripe to recover any such amount arising from its payments from its Stripe balance or future payouts, by debiting the bank account linked to its payouts, or by charging the payment method on file for its Owneli plan, and agrees to pay any amount still owed within 30 days of our invoice.
• Who may take payments. Your business may take payments only for lawful goods and services that Stripe and the card networks allow, including under Stripe’s list of restricted businesses. We review the businesses that take payments, may ask for information about your business and what it sells, and may pause payments or payouts, or end payment access, for a business in a restricted category, with unusual levels of disputes or fraud, or that breaks these terms or the Stripe Services Agreement. Where it is safe and lawful, we tell you first.
• Taxes. Your business is responsible for the taxes on what it sells. Its payment records may be reported to tax authorities where the law requires.
• Card numbers go directly from your client to Stripe. Do not ask clients for card numbers in forms, notes or messages.
• Questions about a payment, a payout or a dispute come to Owneli first. We work with Stripe to answer them and guide your business through anything Stripe asks for.

SECTION 15

Texting lines

When you set up texting, we get phone numbers for your business and register it with the phone carriers. Texts are paid from your messaging credit.

Texting runs through Twilio, our messaging provider. When your business sets up texting, Owneli opens a texting account for it within Owneli’s Twilio account, gets a local number for each location (and, where you ask for one, a toll-free number for marketing), and registers your business as Twilio and the phone carriers require before they deliver business texts. To register it, we share the details you give in the texting setup with Twilio and, through Twilio, with the carriers and, for texts to numbers in the United States, The Campaign Registry: your business’s legal and trading names, its type and registration number, its address and website, the contact person you name (their name, job title, email address and phone number), how your clients agree to receive texts, and sample messages.

• The numbers are provided to your business while its texting is on and its account is open. They come from Twilio and are not owned by your business. A number given up when a location closes, when texting is switched off or when the account closes can be reassigned by the carrier and cannot always be recovered.
• Carriers review each registration and set their own timelines. They may refuse a registration, limit how many texts a line can send, or filter or block messages, and Owneli does not control those decisions.
• Texts, calls and registration charges are paid from your prepaid messaging credit at the prices shown in the app, as described under plans, fees and credits.
• We do not guarantee that every text is delivered or every call connects. Do not rely on a reminder text as the only way a client confirms an appointment.
• Calls to a booking line are forwarded to the phone number you choose. A booking line is not a phone service for emergencies and cannot be used to call emergency services.
• If a carrier or regulator charges Owneli a fee, fine or penalty because of messages your business sent, your business pays it.
• Your business follows the consent and opt-out rules under your responsibilities to your clients, and the carriers’ rules on content: no messages the law or the carriers prohibit, and no lending a line to another business. Replies such as STOP and HELP are handled automatically.
• We may pause a line, or texting for your business, if a carrier refuses or suspends its registration, if its messages draw complaints or opt-outs well above the norm, if its usage is unusually high, or if it breaks these rules. Where it is safe and lawful, we tell you first.

SECTION 16

AI features

Optional assistants that draft and explain. You review what they produce before relying on it.

AI features, such as the Oryx assistant, are off until an administrator turns them on. Their output is generated automatically and can be incomplete or wrong. Review it before you rely on it, send it, or act on it. AI features do not give medical, legal, tax or financial advice. Turning them on means the content they work with is sent to the AI model provider, as the privacy policy describes.

SECTION 17

Availability, changes and support

We keep improving the platform, and tell you before we remove something you rely on.

We work to keep the platform available and to schedule maintenance for quiet hours, but it may occasionally be unavailable. We may add, change or remove features. If we remove a feature that is a material part of your paid plan, we will give you reasonable notice and, where the removal materially reduces what you paid for, a pro-rated credit or refund. Features labelled as beta or early access are provided as they are and may change or end. Support is available through the help centre and the channels shown in the app.

SECTION 18

Suspension and closing an account

You can leave whenever you like. We suspend or close accounts only for good reason.

You can close your business account at any time; business closure is reviewed so that client balances and records are handled properly. We may suspend or close an account if fees remain unpaid after notice, if the account breaks these terms or the law, or if continuing would create a security, legal or fraud risk for Owneli, other businesses or clients. Where it is safe and lawful, we give notice and a chance to fix the problem first.

When an account closes, access ends, and the data export and deletion terms under your data and our role apply. The sections of these terms that by their nature should survive, including those on fees owed, data, liability and disputes, continue to apply.

SECTION 19

Responsibility for claims

If your business’s conduct leads to a claim against Owneli, your business covers it.

To the extent the law allows, your business will defend and indemnify Owneli against third-party claims, and the resulting losses and reasonable legal costs, arising from the services your business provides, your business data, your messages to clients, or your breach of these terms or the law. This does not apply to claims caused by Owneli’s own breach of these terms. This section applies to businesses, not to individual clients booking with a business.

SECTION 20

Owneli’s property

The platform is ours; your content is yours.

The Owneli platform, including its software, design, text, logos and trademarks, belongs to Owneli and its licensors and is protected by intellectual property law. These terms give you a limited, non-exclusive, non-transferable right to use it as they allow, and no other rights. If you send us feedback or suggestions, we may use them without obligation to you.

SECTION 21

Third-party services

Some features rely on other companies, under their own terms.

Parts of the platform depend on third-party services such as Stripe for payments, Twilio for text messages, email and push providers, map and font services, and AI model providers. Those services are provided under their own terms and privacy policies. We choose them carefully, but we are not responsible for their acts or omissions beyond what these terms say.

SECTION 22

What we promise, and what we do not

We work hard to keep the platform available and accurate, but we cannot guarantee it will always be either.

We provide the platform with reasonable skill and care. To the extent the law allows, it is otherwise provided “as is” and “as available”, and we do not promise that it will be uninterrupted, error-free or suited to a particular purpose. Information a business publishes through Owneli, such as prices, availability and treatment descriptions, is the business’s responsibility. Nothing on the platform is medical advice.

SECTION 23

Limits on liability

Our responsibility to you is limited, except where the law says it cannot be.

To the extent the law allows, Owneli is not liable for indirect, incidental, special, consequential or punitive losses, or for lost profits, revenue, data or goodwill, arising from your use of the platform. Owneli is not liable for the services a business provides to you, which are that business’s responsibility.

To the extent the law allows, Owneli’s total liability to you for all claims relating to the platform is limited to the greater of the amounts you paid to Owneli in the twelve months before the claim arose and one hundred Canadian dollars. Amounts you paid to a business are not amounts paid to Owneli.

These limits do not apply to liability that cannot be limited by law, including liability for death or personal injury caused by negligence, for fraud, or for intentional or grossly negligent conduct, and they do not reduce your rights as a consumer where consumer protection law forbids it.

SECTION 24

Governing law and disputes

Ontario law governs these terms. Talk to us first; most problems are solved that way.

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there. If you have a concern, contact us at legal@owneli.com and we will try to resolve it within 30 days. If we cannot, either of us may take the dispute to the courts of Ontario sitting in Toronto, and both of us accept their jurisdiction.

If you are a consumer, you keep the protection of the mandatory consumer laws where you live, and you may bring a claim in the courts of the province or state where you live where that law allows it. Consumers in Quebec are protected by the laws of Quebec and may bring proceedings in Quebec. Nothing in these terms requires a consumer to arbitrate or waives a consumer’s right to take part in a class action where the law protects that right.

SECTION 25

Changes to these terms

The date at the top is the version. Important changes are announced before they apply.

We may update these terms as the platform and the law change. We will post the new version here with a new date. For a change that materially affects you, we will give notice by email or in the app at least 30 days before it takes effect, except where a change is required sooner by law or for security. If you do not agree to a change, you may stop using the platform and close your account before it takes effect; continuing to use the platform afterwards means you accept the updated terms.

SECTION 26

General

The small print that makes the rest work.

• These terms, the privacy policy and any order form or plan you accept are the whole agreement between you and Owneli about the platform.
• If part of these terms is found unenforceable, the rest stays in force, and the unenforceable part is applied as closely to its intent as the law allows.
• If we do not enforce a right straight away, we have not waived it.
• You may not transfer these terms without our consent. We may transfer them as part of a merger, acquisition or sale of assets, with notice to you.
• Neither of us is responsible for a failure caused by events beyond reasonable control, such as a natural disaster, a widespread internet or power outage, or an act of government.
• We may send you notices by email, in the app, or on this website. You may send notices to us by email.
• The short summary at the start of each section is there to help you read. The text of the section is what applies.

SECTION 27

Contacting us

Where to send a question about these terms.

For questions about these terms, email legal@owneli.com. For privacy questions and requests, email privacy@owneli.com. For anything about an appointment, a treatment or a charge, contact the business you booked with first.