Version française à venir. La traduction française de ce document est en cours de préparation. La version anglaise ci-dessous demeure la version applicable pour le moment.

Terms of Service

Effective 2026-05-03 · Version 2026-05-03

1. Acceptance of these Terms

These Terms of Service ("Terms") govern your access to and use of Toolie (the "Service"), operated from the Province of Quebec, Canada by [Toolie legal entity name], located at [registered address], Quebec. By creating an account or using the Service, you agree to be bound by these Terms and our Privacy Policy.

Nothing in these Terms limits the mandatory rights you have under the Consumer Protection Act(Quebec) or other applicable consumer-protection law; where a provision of these Terms conflicts with those rights, the law prevails and the remainder of these Terms continues to apply (see section 17).

If you do not agree, do not use the Service.

2. Who we are

Toolie operates a peer-to-peer marketplace that allows individuals ("Owners") to rent tools and equipment to other individuals ("Renters"). The rental contract for a given tool is formed directly between the Owner and the Renter. Toolie is not the owner, lessor, or supplier of the tools.

Toolie does, however, itself provide services to you — including the platform, payment processing and fee collection (through Stripe), and dispute mediation — and is responsible for those services in accordance with these Terms and applicable law.

3. Eligibility

You must be at least 18 years old.
You must reside in Canada.
You must provide accurate, current, and complete information.
You may not use the Service if you have been previously banned.

4. Your account

You are responsible for safeguarding your password and for any activity that occurs under your account. Notify us immediately of any unauthorized use.

5. Listings (Owners)

By listing a tool, you represent and warrant that:

You own the tool or have the right to rent it out.
The tool is in safe and working condition and fit for its ordinary use.
The listing description, photos, value, and pricing are accurate and not misleading.
You will comply with all applicable laws (including consumer-protection and product-safety law).
You have completed Stripe Connect onboarding and accepted the Owner Payout Terms before accepting any reservations.

The value you set for a tool is used as the basis for the Renter's damage-liability cap (section 8); you must set it honestly and in good faith. Toolie reserves the right to remove listings that violate these Terms or applicable law.

6. Reservations and rentals (Renters)

Submitting a reservation request is an offer to rent the listed tool subject to Owner approval. When you submit a request, your payment method is authorized for the rental price, the service fee, and applicable taxes; that amount is only captured when the Owner approves the reservation. If the Owner declines or does not respond, the authorization is released and nothing is charged.
You agree to use the tool safely, only for its intended purpose, and to return it on time and in the same condition in which you received it (subject to ordinary wear and tear).
You are responsible for damage to or loss of the tool while it is in your possession, and for late returns and non-return, as set out in section 8 and the Cancellation Policy. Your total liability for damage, loss, or non-return of a tool is capped at the tool's value shown to you at booking (the "Damage Liability Cap").

7. Fees, taxes, and payment

Toolie charges a service fee (currently 12 %) to Renters and a commission (currently 12 %) deducted from Owner payouts. Applicable taxes (GST/QST) are added at checkout. The full price — rental amount, service fee, and taxes — is itemized and disclosed to you before you confirm a booking, and a receipt is provided after each charge.

Payments are processed by Stripe. By using the Service you also agree to the Stripe Services Agreement.

8. Payment method on file; damage, late-fee, and non-return authorization

Toolie does not take a separate security deposit and does not place a deposit hold on your card. Instead, at booking the Renter provides a payment method that is securely stored by Stripe and kept on file for the reservation.

By confirming a booking, the Renter expressly authorizesToolie to charge that payment method — including later, when the Renter is not present ("off-session") — for amounts the Renter owes under these Terms, namely:

(a) Damage or loss: the documented cost to repair or replace the tool, up to the Damage Liability Cap;
(b) Late return: the late-return fees described in the Cancellation Policy; and
(c) Non-return: if the tool is not returned, its replacement value, up to the Damage Liability Cap.

A charge for damage or loss under (a) is made only after the dispute process in section 10 has run and the amount has been substantiated with evidence. Late fees (b) and a non-return charge (c) follow the schedule, grace periods, and advance notice described in the Cancellation Policy. The Damage Liability Cap and the basis for any charge are disclosed at booking and itemized on a receipt. The Renter may contest any charge through the dispute process and retains all rights under applicable consumer law, including the right to contact their card issuer.

9. Cancellations

Cancellations and refunds are governed by our Cancellation Policy, which forms part of these Terms.

10. Disputes between users

If a dispute arises between an Owner and a Renter (for example, regarding damage or a late return), it must be filed through the in-app dispute process within the window described in the Cancellation Policy. Each party may submit evidence, and a Toolie reviewer assesses the claim in good faith.

Toolie's determination governs how funds processed or charged through the platform — including any charge to a Renter's payment method under section 8 — are allocated between the parties. This determination is a mediation outcome, not a legal adjudication. It does not prevent you from pursuing the other party directly, from exercising your rights under the Consumer Protection Act (Quebec) or other applicable law, or from contacting your card issuer.

11. Prohibited conduct

You agree not to:

List or rent tools that are unsafe, illegal, or that you do not own.
Misrepresent your identity, location, or contact details.
Circumvent the Service to transact off-platform.
Initiate a card chargeback for an amount validly owed under these Terms without first using the in-app dispute process (this does not affect your legal right to a chargeback for amounts not owed, or where the law provides one).
Harass, threaten, or discriminate against other users.
Reverse-engineer, scrape, or otherwise abuse the Service.

12. Limitation of liability

Nothing in these Terms excludes or limits Toolie's liability where it cannot be excluded or limited by law — including liability for Toolie's own fault, for gross or intentional fault, for bodily or moral injury, or under the legal warranty and other mandatory protections of the Consumer Protection Act (Quebec) and the Civil Code of Québec.

Subject to the paragraph above, and to the maximum extent permitted by applicable law:

the Service is provided on an "as is" basis, and Toolie is not responsible for the acts, omissions, conduct, or the condition, safety, legality, or quality of tools of Owners or Renters, who contract directly with one another;
Toolie is not liable for indirect, incidental, special, or consequential damages; and
for matters not otherwise governed by mandatory consumer law, Toolie's aggregate liability to you is limited to the greater of the fees you paid to Toolie in the twelve months preceding the claim, or one hundred Canadian dollars (CAD $100).

If you are a consumer in Quebec, the two limitations immediately above apply only to the extent permitted by the Consumer Protection Act; your mandatory rights are not affected.

13. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Toolie, its affiliates, officers, and employees against third-party claims, losses, and reasonable costs that arise from (a) your breach of these Terms, (b) your misuse of the Service or of a tool, or (c) your violation of applicable law or of a third party's rights — except to the extent the claim results from Toolie's own fault. This section does not apply to the extent it would restrict rights you have as a consumer under applicable law.

14. Termination

We may suspend or terminate your access to the Service at our discretion, including for breach of these Terms. You may close your account at any time via account settings. Amounts already owed under section 8 at the time of closure remain payable.

15. Governing law and venue

These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. Subject to your mandatory rights as a consumer (including any right to bring proceedings before the courts of your own district), disputes will be resolved in the courts of the Province of Quebec.

16. Changes to these Terms

We may update these Terms from time to time. When the substance of these Terms changes materially, we will require you to re-accept them at next sign-in, and the change will not apply retroactively to a booking already in progress.

17. Consumer rights, language, and distance contracts

These Terms, together with the disclosures shown at checkout, form a distance contract. Before you confirm a booking, Toolie discloses the tool description, the total price (rental, fees, and taxes), the Damage Liability Cap, and this cancellation and charge policy; a confirmation and receipt are sent to you by email.

Nothing in these Terms derogates from the mandatory protections of the Consumer Protection Act (Quebec) or other applicable consumer law. If any provision conflicts with those protections, the law prevails and the rest of these Terms remain in effect.

A French-language version of these Terms governs the relationship with consumers in Quebec, in accordance with the Charter of the French Language. By continuing in English, you may, where the law permits, agree to be bound by the English version.

18. Contact

Questions about these Terms? Contact us at legal@toolio.ca, or by mail at [Toolie legal entity name], [registered address], Quebec.