This Disclaimer governs your use of the website located at forwardbrokers.com (the "Website") and the information, materials, tools, demonstrations, and services made available by forwardbrokers inc., operating as forwardBrokers ("forwardBrokers," "we," "us," or "our"). By accessing the Website or engaging our services, you acknowledge that you have read, understood, and agree to this Disclaimer. If you do not agree, please do not use the Website or our services.

This Disclaimer should be read together with our Terms of Service, Privacy Policy, and Cookie Policy, each of which is incorporated by reference.

1. General Information Only

All content on the Website — including text, graphics, demonstrations, interactive product demos, animations, sample conversations, statistics, and downloadable materials (collectively, the "Content") — is provided for general informational and marketing purposes only. The Content is not intended to be, and should not be relied upon as, professional advice of any kind.

While we make reasonable efforts to keep the Content accurate and current, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Content. Any reliance you place on such information is strictly at your own risk.

2. No Professional Advice

forwardBrokers is a technology and automation services provider. We are not a licensed mortgage brokerage, mortgage agent, real estate brokerage, real estate salesperson, financial advisor, investment dealer, lawyer, accountant, or tax professional, and we do not hold ourselves out as any of these.

Nothing on the Website or provided through our services constitutes or should be construed as:

• mortgage, lending, or credit advice;

• real estate, listing, or transactional advice;

• financial, investment, securities, or insurance advice;

• legal, regulatory, compliance, accounting, or tax advice; or

• a recommendation, solicitation, or offer to enter into any financial or real estate transaction.

You should obtain advice from an appropriately licensed or qualified professional before making any decision based on information obtained through the Website or our services.

3. Regulated Activities Remain Your Responsibility

Our clients are independent businesses, including mortgage brokers, mortgage agents, mortgage brokerages, and real estate professionals, who are responsible for their own regulatory compliance. Mortgage professionals in Ontario are regulated by the Financial Services Regulatory Authority of Ontario (FSRA) under the Mortgage Brokerages, Lenders and Administrators Act, 2006, and real estate professionals are regulated by the Real Estate Council of Ontario (RECO) under the Trust in Real Estate Services Act, 2002 (TRESA).

forwardBrokers does not provide regulated mortgage or real estate services and does not supervise, license, endorse, or assume responsibility for any client's compliance with applicable laws, regulations, codes of conduct, advertising standards, disclosure requirements, or licensing obligations. Clients remain solely responsible for ensuring that any messaging, marketing, automation, content, and business practices implemented using our services comply with all laws and regulations applicable to them.

4. Artificial Intelligence and Automation Disclaimer

Our services incorporate artificial intelligence, large language models, automated messaging, and workflow automation provided by us and by third parties. You acknowledge and agree that:

• AI outputs can be inaccurate. AI-generated content may contain errors, omissions, outdated information, or so-called "hallucinations," and may produce results that are unexpected, incomplete, or inappropriate for a given context.

• Human oversight is required. AI-generated communications, document requests, summaries, and other outputs are tools to assist — not replace — human judgment. Outputs should be reviewed by a qualified person before being relied upon, sent to a consumer, or used to make any decision.

• No professional judgment. AI features do not exercise professional, legal, financial, or regulatory judgment and must not be used as a substitute for a licensed professional.

• No guaranteed outcomes. Automation does not guarantee response times, conversions, lead quality, deliverability of messages, accuracy of data collection, or any particular business result.

You assume full responsibility for your use of, and any reliance upon, AI-generated or automated outputs.

5. No Guarantee of Results; Performance and Earnings Disclaimer

Any examples, case studies, metrics, response times (for example, illustrative figures such as "replied in seconds"), testimonials, or projected outcomes shown on the Website are illustrative only and do not constitute a guarantee, promise, or representation of the results you will achieve.

Business results depend on numerous factors outside our control, including your market, your offering, your lead sources, your responsiveness, your compliance practices, and your own efforts. We do not warrant that our services will increase leads, conversions, revenue, or profitability. Individual results will vary, and typical results cannot be guaranteed.

6. Testimonials and Reviews

Any testimonials or endorsements reflect the real-life experiences and opinions of the individuals providing them. However, individual experiences are not necessarily representative of what any other person may experience. Testimonials are not intended to represent or guarantee that anyone will achieve the same or similar results. Where displayed, testimonials may have been edited for length and clarity.

7. Demonstrations and Sample Content

Interactive demonstrations, sample chats, mock interfaces, illustrative dashboards, and example workflows shown on the Website are simulations created for demonstration purposes. Names, messages, properties, rates, documents, and data shown in such demonstrations are fictional or illustrative and do not represent real individuals, real transactions, real rates, or actual product performance.

8. Third-Party Content, Links, and Services

The Website and our services may reference, link to, or integrate with third-party websites, platforms, and service providers (for example, messaging, calendar, customer-relationship-management, hosting, and AI providers). We do not control and are not responsible for the content, accuracy, availability, security, privacy practices, or terms of any third party. Inclusion of any link or integration does not imply our endorsement. Your use of any third-party service is governed by that third party's own terms and policies, and is at your own risk.

9. Forward-Looking Statements

The Content may contain forward-looking statements regarding our products, roadmap, or industry trends. Such statements reflect our current expectations and are subject to risks and uncertainties. Actual outcomes may differ materially, and we undertake no obligation to update forward-looking statements.

10. Errors, Omissions, and Availability

The Content may contain typographical errors, inaccuracies, or omissions, and may be changed or updated at any time without notice. We do not warrant that the Website will be uninterrupted, timely, secure, or error-free, or that defects will be corrected.

11. Limitation of Liability

To the maximum extent permitted by applicable law, forwardBrokers, its directors, officers, employees, contractors, and affiliates will not be liable for any loss or damage — including without limitation indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or business opportunity — arising out of or in connection with your access to or use of (or inability to use) the Website, the Content, or any reliance placed upon them. This Section is subject to and limited by the more detailed limitation-of-liability provisions in our Terms of Service.

12. Changes to this Disclaimer

We may revise this Disclaimer at any time by posting an updated version on the Website. The "Last updated" date indicates when changes took effect. Your continued use of the Website after any change constitutes acceptance of the revised Disclaimer.

13. Contact Us

Questions about this Disclaimer may be directed to:

Email: legal@forwardbrokers.com