Shawn Selanders
Your Local Mortgage Professionals
ShawnSelanders.ca
Intellectual Property Rights,
Copyright Protection &
Terms of Proprietary Use
Effective Date: March 1, 2026 • Last Revised: March 3, 2026
Document Reference: YLMP-IP-2026-001 — Version 1.1
Document Reference: YLMP-IP-2026-001 — Version 1.1
Preamble
This document constitutes a formal assertion of intellectual property rights, copyright ownership, and proprietary protections pertaining to the website located at ShawnSelanders.ca (hereinafter the “Website”), all software tools, interactive applications, calculators, user interfaces, and related digital assets created, developed, and published by Shawn Selanders, operating as Your Local Mortgage Professionals (hereinafter the “Owner”).
This notice is issued pursuant to and in accordance with the following legislative and regulatory authorities:
(i) The Copyright Act, R.S.C. 1985, c. C-42, as amended (including by the Budget Implementation Act, 2022, No. 1, S.C. 2022, c. 10), including all regulations made thereunder;
(ii) The Trade-marks Act, R.S.C. 1985, c. T-13 (now the Trademarks Act), as amended;
(iii) The Competition Act, R.S.C. 1985, c. C-34, with respect to misrepresentation and passing off;
(iv) The Personal Information Protection and Electronic Documents Act (PIPEDA), S.C. 2000, c. 5;
(v) The Personal Information Protection Act (PIPA), S.A. 2003, c. P-6.5 (Alberta);
(vi) Applicable provisions of the Berne Convention for the Protection of Literary and Artistic Works (1886, as revised);
(vii) The Agreement on Trade-Related Aspects of Intellectual Property Rights (TRIPS Agreement);
(viii) The World Intellectual Property Organization Copyright Treaty (WCT), 1996; and
(ix) Such other international treaties, conventions, and agreements to which Canada is a signatory and which afford protection to intellectual property rights.
By accessing, viewing, or interacting with the Website or any tool, application, or content hosted thereon, you acknowledge that you have read, understood, and agree to be bound by the terms set forth in this document.
1. Definitions and Interpretation
1.1 In this document, unless the context otherwise requires:
(a) “Proprietary Tools” means the Property Financial Snapshot™, the Mortgage Calculator Suite, the Realtor Partner Hub, and any other interactive software tool, application, widget, or digital instrument published on or accessible through the Website, including all current versions, future updates, modifications, and derivative iterations thereof;
(b) “Protected Content” means all source code (including HTML, CSS, JavaScript, React components, API integrations, and server-side logic), algorithms, mathematical models, data structures, user interface designs, visual layouts, colour schemes, iconography, typographic selections, animation sequences, user experience flows, report templates, output formats, text content, marketing copy, photographic and graphic assets, and metadata associated with the Website and its Proprietary Tools;
(c) “User” means any individual, corporation, partnership, or other legal entity that accesses, views, interacts with, or otherwise makes use of the Website or any Proprietary Tool;
(d) “Commercial Use” means any use of Protected Content for the purpose of monetary gain, competitive advantage, lead generation, client acquisition, marketing, or any activity conducted in connection with a trade, business, or profession;
(e) “Reproduction” includes, without limitation, copying, downloading, screen-capturing, scraping, crawling, caching, mirroring, framing, embedding, transcribing, photographing, or any other method of capturing or duplicating Protected Content in any medium or format, whether digital or physical;
(f) “Derivative Work” means any tool, application, website, software, or digital product that is based upon, inspired by, substantially similar to, or which incorporates elements of the Protected Content, including any work that replicates the functional design, user experience flow, visual presentation, or algorithmic methodology of any Proprietary Tool.
2. Copyright Ownership
2.1 The Owner is the sole and exclusive author, creator, and copyright holder of all Protected Content. The Owner directed, selected, arranged, and made all substantive creative decisions in the development of the Protected Content. Copyright in the Protected Content subsists automatically upon creation pursuant to Section 5 of the Copyright Act, R.S.C. 1985, c. C-42, and is not contingent upon registration, publication, or any other formality.
2.2 The Owner asserts all moral rights in and to the Protected Content pursuant to Sections 14.1 and 14.2 of the Copyright Act, including the right of attribution and the right to the integrity of the work. The Owner has not waived and does not waive any moral rights.
2.3 The copyright in the Protected Content shall subsist for the life of the Owner plus seventy (70) years following the end of the calendar year of the Owner’s death, in accordance with Section 6 of the Copyright Act as amended by the Budget Implementation Act, 2022, No. 1 (S.C. 2022, c. 10, s. 294), effective December 30, 2022, or for such longer period as may be provided by any subsequent amendment to the Act.
2.4 The Proprietary Tools constitute original literary works and compilations within the meaning of the Copyright Act. The specific selection, arrangement, coordination, and expression of the algorithms, user interface elements, data structures, and functional components constitute protectable original expression.
2.5 The Owner maintains archival records of all Protected Content, including timestamped version histories, deployment logs, development documentation, and iterative design records sufficient to establish authorship, creative direction, and priority of creation.
3. Proprietary Tools — Specific Protections
3.1 Property Financial Snapshot™. The Property Financial Snapshot tool is a proprietary, original software application that combines the following protected elements into a unique and original work:
(a) Automated property listing extraction via optical character recognition and artificial intelligence processing;
(b) Multi-scenario down payment modelling with simultaneous calculation of Canadian Mortgage and Housing Corporation (CMHC) insurance premiums;
(c) Federal stress test qualification analysis using the greater of the contract rate plus two percentage points (2%) or the benchmark qualifying rate of five and one-quarter percent (5.25%);
(d) Proprietary closing cost estimation methodology incorporating Alberta-specific legal fees, land title registration costs, and municipal property tax adjustments;
(e) Integrated income qualification analysis based on Gross Debt Service (GDS) ratio modelling;
(f) Multi-format report generation (PDF, JPEG, plain text, and vCard) with co-brand functionality;
(g) Lead capture and customer relationship management integration via proprietary webhook architecture; and
(h) The specific user experience flow, including the three-step progressive disclosure architecture, the animated extraction progress indicator, the expandable scenario card interface, and the post-report engagement sequence.
3.2 The individual elements described in Section 3.1, taken together and in their specific arrangement and expression, constitute an original work of authorship that is protected in its entirety. Nothing in this document shall be construed as claiming copyright in underlying mathematical formulae or publicly available data; however, the specific expression, arrangement, implementation, and presentation of these elements as embodied in the Proprietary Tools is protected.
4. Prohibited Activities
4.1 Without the prior express written consent of the Owner, no User or third party shall:
(a) Reproduce, copy, duplicate, download, or store any Protected Content, in whole or in substantial part, by any means or in any medium;
(b) Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, data structures, or underlying logic of any Proprietary Tool;
(c) Create, develop, publish, or distribute any Derivative Work based upon observation, use, or analysis of any Proprietary Tool;
(d) Use automated means, including but not limited to web scrapers, spiders, crawlers, bots, or artificial intelligence tools, to access, extract, index, or analyse any Protected Content;
(e) Frame, embed, mirror, or display any portion of the Website or any Proprietary Tool within or alongside any other website, application, or digital platform;
(f) Remove, obscure, alter, or tamper with any copyright notice, trademark, watermark, or proprietary legend appearing on or within any Protected Content;
(g) Use any Protected Content for Commercial Use, including but not limited to incorporating any element of a Proprietary Tool into a competing product, service, or business offering;
(h) Sub-license, assign, transfer, sell, lease, rent, or otherwise distribute or make available any Protected Content to any third party;
(i) Use any Protected Content in connection with the training, fine-tuning, or development of any artificial intelligence model, machine learning algorithm, or automated content generation system; or
(j) Engage in any conduct that would constitute infringement, contributory infringement, or inducement of infringement under the Copyright Act or any other applicable legislation.
5. Enforcement and Remedies
5.1 The Owner actively monitors the Internet for unauthorized reproduction of Protected Content and employs technological measures to detect and document instances of infringement.
5.2 In the event of any infringement or threatened infringement of the rights set forth herein, the Owner reserves the right, without limitation, to:
(a) Issue a formal cease and desist demand requiring the immediate removal of infringing content;
(b) File a takedown notice pursuant to the notice-and-notice regime established under Sections 41.25 and 41.26 of the Copyright Act, as amended by the Copyright Modernization Act, S.C. 2012, c. 20;
(c) Commence civil proceedings for copyright infringement pursuant to Section 34 of the Copyright Act, seeking injunctive relief, damages (including statutory damages of up to $20,000 per work infringed for commercial infringement pursuant to Section 38.1(1)(a), or up to $5,000 per work infringed for non-commercial infringement pursuant to Section 38.1(1)(b)), and an accounting of profits;
(d) Seek an order for the delivery up or destruction of infringing copies pursuant to Section 38 of the Copyright Act;
(e) Report the infringement to the relevant Internet service provider, web hosting provider, domain registrar, or platform operator with a request for removal or suspension of the infringing content;
(f) File a complaint with the Canadian Intellectual Property Office (CIPO), the Canadian Radio-television and Telecommunications Commission (CRTC), or any other applicable regulatory body; and
(g) Pursue any and all other legal and equitable remedies available under federal and provincial law.
5.3 In the event of wilful or commercial-scale infringement, the Owner may also refer the matter for consideration of criminal prosecution under Section 42 of the Copyright Act, which provides for fines of up to one million dollars ($1,000,000) and imprisonment for a term not exceeding five (5) years on conviction on indictment.
5.4 The Owner reserves the right to pursue remedies for any infringement discovered within the limitation period prescribed by Section 43.1 of the Copyright Act. The passage of time between the date of infringement and the date of discovery shall not be construed as acquiescence, waiver, or abandonment of any right or claim.
6. Trademarks
6.1 The following are trademarks or trade names of the Owner, whether or not registered, and may not be used without the Owner’s prior written consent:
(a) “Your Local Mortgage Professionals”
(b) “Property Financial Snapshot” and “Property Financial Snapshot™”
(c) The YLMP logo and associated brand elements
(d) “ShawnSelanders.ca”
6.2 Any unauthorized use of these marks, or any marks confusingly similar thereto, may constitute passing off under common law and Section 7 of the Trademarks Act, unfair competition under the Competition Act, and/or trademark infringement under applicable statutory and common law.
7. Licensing and Authorized Use
7.1 The Owner may, at their sole discretion, grant limited licences for the use, co-branding, or integration of Proprietary Tools to authorized real estate professionals, mortgage brokers, or other approved parties. Any such licence must be in writing, signed by the Owner, and will specify the scope, duration, and conditions of use.
7.2 The generation and personal use of individual property reports by end users of the Proprietary Tools constitutes authorized use and does not require a separate licence, provided that such reports are used in connection with the User’s personal home purchase or mortgage planning and are not reproduced, redistributed, or incorporated into any competing product or service.
7.3 Inquiries regarding licensing, co-branding, or commercial use of any Proprietary Tool should be directed to: Shawn Selanders, Shawn@ShawnSelanders.ca, 403-703-6847.
8. Disclaimer of Warranties
8.1 All Proprietary Tools are provided “as is” and “as available” without warranty of any kind, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, and non-infringement.
8.2 The Proprietary Tools are provided for informational and planning purposes only and do not constitute a mortgage pre-approval, lending commitment, guarantee of financing, or professional financial advice. Mortgage qualification is subject to individual assessment by a licensed lender and may differ materially from any estimate provided by a Proprietary Tool.
8.3 The Owner does not warrant that any Proprietary Tool will be uninterrupted, error-free, or free of viruses or other harmful components. Interest rates, property tax estimates, CMHC premium schedules, closing cost figures, and all other numerical outputs are estimates only and may not reflect current market conditions.
9. Limitation of Liability
9.1 To the fullest extent permitted by applicable law, the Owner shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to the use of, reliance upon, or inability to use any Proprietary Tool or any report, estimate, or output generated thereby, including but not limited to damages for loss of profits, loss of data, business interruption, or financial loss, regardless of the cause of action or theory of liability (whether in contract, tort, negligence, strict liability, or otherwise), even if the Owner has been advised of the possibility of such damages.
9.2 Users acknowledge and agree that any decision to purchase, refinance, or otherwise transact in real property or to enter into any mortgage or lending arrangement is made solely at the User’s own risk and based on the User’s own independent assessment and the advice of qualified professionals, and not in reliance upon any output of any Proprietary Tool.
9.3 In any event, the total aggregate liability of the Owner for any and all claims arising from or related to any Proprietary Tool shall not exceed the lesser of (a) the amount actually paid by the User to the Owner for use of such Proprietary Tool, or (b) one hundred dollars ($100.00 CAD).
10. Regulatory Compliance
10.1 The Owner operates as a licensed mortgage broker under the Real Estate Council of Alberta (RECA) and is subject to the Real Estate Act, R.S.A. 2000, c. R-5, and the rules made thereunder. The Owner’s professional registration may be verified through the RECA Public Search.
10.2 The collection, use, and disclosure of personal information through the Website and Proprietary Tools is governed by the Personal Information Protection Act (PIPA), S.A. 2003, c. P-6.5, and where applicable, the Personal Information Protection and Electronic Documents Act (PIPEDA), S.C. 2000, c. 5. The Owner’s Privacy Policy, available at ShawnSelanders.ca, sets forth the specific terms governing the handling of personal information.
11. Governing Law and Jurisdiction
11.1 This document and all matters arising from or related to the intellectual property rights described herein shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein.
11.2 The Owner and any User irrevocably submit to the exclusive jurisdiction of the courts of the Province of Alberta, Judicial District of Calgary, for the adjudication of any dispute arising under or in connection with this document. At the Owner’s election, disputes may alternatively be referred to binding arbitration under the Arbitration Act, R.S.A. 2000, c. A-43, administered by the ADR Institute of Alberta.
11.3 The Owner reserves the right to seek interim, interlocutory, or permanent injunctive relief in any court of competent jurisdiction to prevent or restrain any actual or threatened infringement of the rights set forth herein.
12. Severability and Amendment
12.1 If any provision of this document is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed and the remaining provisions shall continue in full force and effect.
12.2 The Owner reserves the right to amend, update, or modify this document at any time without prior notice. The most current version shall be posted on the Website and shall supersede all prior versions. Continued use of the Website or any Proprietary Tool following the posting of an amended version constitutes acceptance of the amended terms.
All Rights Reserved
© 1999–2026 Shawn Selanders, Your Local Mortgage Professionals
High River, Alberta, Canada
Shawn@ShawnSelanders.ca | 403-703-6847 | ShawnSelanders.ca
This document has been prepared for the protection of the intellectual property rights of Shawn Selanders and Your Local Mortgage Professionals. Nothing in this document constitutes legal advice. The Owner reserves all rights not expressly granted herein.
Document Reference: YLMP-IP-2026-001 | Version 1.1