Financial Services & Third-Party Provider Disclosure

1. Black & Grey Is Not a Financial Institution

Unless expressly stated otherwise, Black & Grey Management Inc. is not a bank, credit union, lender, insurer, investment dealer, or other financial institution.

Black & Grey does not represent that it independently provides regulated financial products or services.

Where a financial, insurance, payment, credit, or similar service is offered through our website or in connection with our services, that service may be provided by an independent third-party provider.

2. Third-Party Financial Services

Depending on availability and eligibility, Black & Grey may introduce or facilitate access to services such as:

• Rent payment solutions
• Security-deposit payment options
• Tenant financing
• Payment-processing services
• Tenant insurance
• Property-related financing
• Other housing-related financial services

The availability of any particular service may vary based on location, provider, eligibility requirements, applicable law, and other circumstances.

3. Independent Providers

Third-party providers are independent businesses and are responsible for the financial or insurance products and services they provide.

Depending on the service, the third-party provider may be responsible for:

• Assessing eligibility
• Conducting identity verification
• Conducting credit checks where applicable
• Reviewing applications
• Approving or declining applications
• Establishing interest rates and fees
• Establishing repayment terms
• Issuing policies or agreements
• Processing payments
• Managing accounts
• Handling collections
• Providing customer support relating to the financial product
• Meeting applicable regulatory requirements

Black & Grey does not control the decisions or policies of independent third-party providers.

4. Financing Applications

Where financing is available, submitting an application does not guarantee approval.

The applicable lender or financing provider independently determines whether an applicant qualifies for a financial product.

Approval may depend on factors such as:

• Eligibility requirements
• Income or employment information
• Credit history
• Identity verification
• Property or tenancy information
• Applicable lending criteria
• Applicable laws and regulations

Black & Grey does not guarantee that an applicant will qualify for financing or receive any particular rate, amount, term, or other financial condition.

5. Financial Terms

Any interest rate, service fee, financing charge, repayment schedule, insurance premium, payment requirement, or other financial term is determined by the applicable third-party provider.

Before accepting a financial product or service, you should carefully review the provider's agreement, disclosures, fees, terms, and conditions.

If you do not understand a financial product or its terms, you should seek appropriate independent professional advice before proceeding.

6. Tenant Insurance

Black & Grey may provide information about or facilitate access to tenant insurance through an independent licensed insurance professional, agency, or insurer.

Insurance availability, eligibility, coverage, exclusions, premiums, deductibles, limits, and policy terms are determined by the applicable insurance provider.

Submitting an insurance inquiry does not guarantee that coverage will be available or issued.

You should review the applicable insurance policy and related documents carefully before purchasing coverage.

7. Payment Services

Black & Grey may use or integrate third-party payment providers to facilitate certain transactions, including rental payments or other property-related payments.

Where a third-party payment provider processes a transaction, that provider may collect and process payment information in accordance with its own terms and privacy practices.

Black & Grey does not generally store complete payment-card or banking credentials when a transaction is processed directly through an authorized third-party payment provider.

You should review the applicable payment provider's terms and privacy policy before using its services.

8. Information Sharing

In order to facilitate a service you have requested, Black & Grey may need to provide relevant information to the applicable third-party provider.

Depending on the service, this may include:

• Name
• Contact information
• Property information
• Tenancy information
• Application information
• Information necessary to verify eligibility
• Other information reasonably required to provide the requested service

We will handle personal information in accordance with our Privacy Policy and applicable privacy laws.

Third-party providers may also have their own privacy policies and legal obligations governing their collection and use of personal information.

9. Consent

Where required, Black & Grey will obtain your consent before sharing personal information with a third-party provider for the purpose of facilitating a requested service.

By voluntarily requesting a third-party service, you acknowledge that relevant information may need to be shared with the provider in order to process your request.

You may withdraw consent where permitted by law; however, withdrawing consent may prevent the requested third-party service from being provided.

10. Third-Party Agreements

When you apply for, purchase, or use a third-party financial, insurance, payment, or other service, you may be required to enter into a separate agreement directly with the applicable provider.

That agreement may contain terms that are separate from Black & Grey's agreements and website Terms of Use.

You are responsible for reviewing and understanding those terms before accepting the service.

11. No Guarantee or Endorsement

The inclusion of a third-party provider or service on our website does not necessarily constitute a guarantee, endorsement, or representation that the provider's services are suitable for your particular circumstances.

Black & Grey may work with selected providers based on business relationships, service availability, customer needs, or other considerations.

You should independently evaluate whether a particular financial, insurance, payment, or other service is appropriate for you.

12. Fees and Compensation

Black & Grey may, where permitted by applicable law and contractual arrangements, receive a fee, commission, referral payment, platform fee, administrative fee, or other compensation from certain third-party providers for introducing customers or facilitating access to their services.

Where disclosure of such compensation is required by applicable law, regulation, or professional standards, the applicable information will be provided to you.

Any compensation received by Black & Grey does not change the terms of a financial product established by the applicable provider.

13. Regulatory Compliance

Black & Grey intends to conduct its activities in accordance with applicable laws and regulations.

Certain financial, insurance, lending, payment, credit, and other activities may be subject to licensing, registration, disclosure, privacy, consumer-protection, or other regulatory requirements.

Where a service requires a licensed or regulated provider, Black & Grey may work with an appropriately authorized third party rather than providing the regulated service directly.

14. No Financial or Investment Advice

Information provided by Black & Grey regarding financial, financing, insurance, payment, or property-related services is intended for general informational purposes.

Unless expressly stated otherwise, it should not be interpreted as financial, investment, legal, tax, insurance, or other professional advice.

You should obtain independent professional advice where appropriate to your circumstances.

15. Your Responsibility

Before accepting a financial or other third-party service, you should:

• Review all applicable terms and conditions
• Understand all applicable fees and charges
• Confirm repayment or payment obligations
• Review applicable insurance coverage and exclusions
• Confirm eligibility requirements
• Consider whether the service is appropriate for your circumstances
• Seek professional advice where necessary

You should not enter into a financial agreement that you do not understand or cannot reasonably meet.

16. Changes to Available Services

Black & Grey may add, remove, replace, or change third-party providers and available services from time to time.

The availability of any service is not guaranteed and may depend on applicable laws, provider requirements, market conditions, and business arrangements.

17. Limitation of Responsibility

To the extent permitted by applicable law, Black & Grey is not responsible for the decisions, actions, omissions, products, services, fees, policies, terms, or performance of independent third-party providers.

Any dispute concerning a financial, insurance, payment, credit, or other third-party product should generally be directed to the provider responsible for that product.

Nothing in this Disclosure limits any rights or protections that cannot legally be excluded or limited.

18. Related Policies

This Disclosure should be read together with:

• Privacy Policy
• Terms of Use
• Any applicable property-management agreement
• Any applicable tenancy or lease agreement
• The terms and conditions of the relevant third-party provider

19. Contact Us

If you have questions about our role in facilitating third-party services, please contact:

Black & Grey Management Inc.

Email: [Insert General Email]

Address: [Insert Business Address]

Phone: [Insert Business Phone]

For questions about a specific financial, insurance, payment, or credit product, you should also contact the applicable third-party provider directly.