1. Who we are

Silkro is a peer-to-peer rental marketplace operated by Farrukh Sohail, based in the Greater Toronto Area, Ontario, Canada. We operate a platform connecting individuals who wish to rent out personal property ("Lenders") with individuals who wish to rent such property ("Renters"). Silkro facilitates the connection; we are not a party to any rental transaction between users.

2. Acceptance of terms

By using Silkro you confirm that you are at least 18 years of age, are a resident of Canada or accessing the Platform lawfully, have read and agree to these Terms and our Privacy Policy, and have the legal authority to enter into a binding agreement.

3. How Silkro works

Silkro provides a technology platform that enables Lenders to list items for rent and receive payment, Renters to browse listings and book items, and both parties to communicate and manage transactions. Silkro is not an owner or lessor of any listed items. All rental agreements are directly between Lenders and Renters.

4. Account registration and verification

You must provide accurate information during registration, complete government-issued ID verification via Stripe Identity before any transaction, maintain the confidentiality of your account credentials, and notify us immediately at hello@silkro.app of any unauthorised account use. Silkro may suspend accounts that provide false information or violate these Terms.

5. Lender responsibilities

As a Lender you confirm you are the legal owner of listed items, all descriptions and photos are accurate, items are in the condition described, you will not list stolen, counterfeit, dangerous, or illegal items, and you will report any damage within 24 hours of item return.

6. Renter responsibilities

As a Renter you agree to treat rented items with reasonable care, return items by the agreed time (late returns incur the daily rental rate for each day late), not sub-rent or transfer items to third parties, and accept responsibility for any damage, theft, or loss during your rental period.

7. Payments, fees, and deposits

All payments are processed by Stripe. Silkro charges a Lender fee of 11% of the rental price (minimum $3.00) and a Renter service fee of 7% of the rental price (minimum $2.00), for a combined effective rate of approximately 18% per transaction. A security deposit, set by the Lender at the time of listing, is held on the Renter's payment method before exchange, not charged unless a damage claim is approved, and released upon confirmed return. Lender payout timing will be communicated directly to Lenders as our payment infrastructure develops. Cancellation and refund policies will be published here once finalized.

8. Prohibited items and activities

The following may not be listed or done on Silkro: weapons, illegal substances, counterfeit or stolen goods, items under outstanding finance agreements, hazardous materials, underwear or swimwear, conducting transactions outside the Platform, creating fake listings or reviews, harassing other users, using the Platform for commercial resale, or attempting to circumvent our verification systems.

9. Dispute resolution

Either party may raise a dispute within 24 hours of item return. Disputes are reviewed using listing details, photos, and user communications. Silkro will work to issue a resolution as promptly as possible. The Silkro resolution is final for deposit release purposes. This does not preclude legal remedies in Ontario courts.

10. Disclaimer of warranties

The Platform and all services provided by Silkro are offered "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including without limitation implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Silkro does not warrant that the Platform will be uninterrupted, secure, or error-free, or that any listed item is safe, suitable, or fit for its intended use. Silkro is not a party to, guarantor of, or insurer for any rental transaction between Lenders and Renters, and does not independently verify the safety, legality, quality, or condition of any listed item beyond the representations made by the Lender.

11. Limitation of liability

To the fullest extent permitted by applicable law, Silkro, its founder, officers, employees, and affiliates shall not be liable for any claim, loss, injury, or damage of any kind arising from or related to: (a) damage to, theft of, or loss of any item rented through the Platform; (b) personal injury, death, or property damage arising from the use, condition, defect, or misuse of any listed item; (c) the acts, omissions, negligence, misrepresentation, fraud, or misconduct of any user, whether occurring online or during an in-person exchange; (d) disputes or disagreements between users; (e) unauthorized access to or use of any user's account or data; or (f) any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, even where Silkro has been advised of the possibility of such damages.

Silkro's total aggregate liability arising out of or relating to the Platform, under any theory of liability including contract, tort, or statute, shall not exceed the greater of CAD $100 or the total fees paid by the claimant to Silkro in the 12 months preceding the event giving rise to the claim.

Nothing in this section is intended to limit or exclude any liability that cannot lawfully be limited or excluded under applicable Ontario or Canadian federal law, including liability for gross negligence, willful misconduct, or fraud committed directly by Silkro.

12. Indemnification

You agree to defend, indemnify, and hold harmless Silkro, its founder, officers, employees, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or related to: (a) your use of the Platform; (b) any item you list, including its condition, safety, or legality; (c) your violation of these Terms; (d) your interactions or transactions with other users, including any injury, damage, fraud, or misconduct arising from those interactions; or (e) your violation of any law or the rights of a third party.

13. Governing law

These Terms are governed by the laws of Ontario and the federal laws of Canada. Disputes are subject to the exclusive jurisdiction of Ontario courts.

14. Contact

Questions about these Terms? Contact us at hello@silkro.app

1. Information we collect

We collect information you provide directly, including your name, email, phone, profile photo, government ID (verified by Stripe, not stored by Silkro), payment information (processed by Stripe, not stored by Silkro), item listings and photos, and messages and dispute submissions. We also collect information automatically, including device and browser data, usage data, city-level location for local search, and transaction history.

2. How we use your information

We use your information to create and manage your account, verify your identity, facilitate rental transactions, process payments and deposits, provide customer support, send booking confirmations and platform communications, maintain platform safety, comply with Canadian law, and enforce our Terms of Service. We also use your email address and, where you have consented, your phone number to send you service notifications and, separately, marketing communications as described in Section 3 below.

3. Marketing communications

With your consent, Silkro may use your email address and, where provided, your phone number to send you promotional offers, product updates, local availability alerts, and other marketing communications about the Platform. Transactional and account-related messages, such as booking confirmations, verification codes, deposit notices, and safety or dispute communications, are not marketing and will continue regardless of your marketing preferences, since they are necessary to operate your account and complete your transactions.

Every marketing email includes a working unsubscribe link, and you may withdraw consent at any time by using that link or by contacting hello@silkro.app. We process unsubscribe requests within 10 business days, in compliance with Canada's Anti-Spam Legislation (CASL). Silkro does not currently send marketing messages by SMS; if this changes, we will obtain separate express consent before doing so and update this Privacy Policy accordingly.

4. How we share your information

With other users: your first name, profile photo, and rating are visible to transaction partners. Your government ID and contact details are never shared with other users. With service providers: Stripe (payments and ID verification), SendGrid (email), and Supabase (secure data and photo storage). We do not currently use SMS notifications or third-party analytics tracking; this policy will be updated if that changes. For legal reasons: when required by law, court order, or to protect user safety. In a business transfer: with advance notice to users.

5. Data retention

Account data is retained for 7 years after account closure to meet Canadian tax and legal requirements. Transaction records are retained for 7 years as required by the Canada Revenue Agency. Marketing preferences are retained until you opt out or close your account.

6. Your rights under PIPEDA

As a Canadian resident you have the right to access your personal information, request corrections to inaccurate data, withdraw consent to non-essential processing, and file a complaint with the Office of the Privacy Commissioner of Canada. To exercise any right contact us at hello@silkro.app. We respond within 30 days.

7. Cookies

We use cookies to keep you logged in, remember preferences, and detect fraud. You may disable cookies through your browser settings, though this may affect some Platform functionality.

8. Data security

We use HTTPS encryption on all pages and transmissions, Stripe for PCI DSS Level 1 compliant payment handling, restricted access to personal data, and regular security reviews. No method of internet transmission is 100% secure, so we cannot guarantee absolute security, but we take every reasonable precaution.

9. Children's privacy

Silkro is not directed at individuals under 18. We do not knowingly collect information from minors. If you believe a minor has provided information to us please contact hello@silkro.app immediately.

10. Contact our privacy officer

For all privacy inquiries contact our Privacy Officer at hello@silkro.app with subject line "Privacy Inquiry". We acknowledge within 5 business days and respond fully within 30 days. If unsatisfied you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.