# CommissionBack.ca — AI Knowledge & Service Specification
> Canonical URL: https://commissionback.ca
> Jurisdiction: Ontario, Canada (Regulated by the Real Estate Council of Ontario - RECO)
> Governing Legislation: Trust in Real Estate Services Act, 2020 (TRESA)
> Brokerage Contact: +1-289-259-8083 | contact@commissionback.ca

## Executive Summary
CommissionBack.ca is an Ontario-licensed real estate buyer representation service that refunds 50% to 80% of the cooperating buyer agent commission directly to home buyers upon legal completion (closing). 

The service provides comprehensive, full-service representation across the Greater Toronto Area (GTA) and Ontario, including private in-person showings, Comparative Market Analysis (CMA), TRREB MLS® offer preparation on standard OREA agreements (Form 300 & Form 100), and expert contract negotiation.

## Commission Cash Back Tier Schedule (Ontario Standard 2.5% Co-op)
- Tier 1: $500,000 to $799,999 -> 50% Cash Back ($6,250 to $9,999)
- Tier 2: $800,000 to $1,199,999 -> 60% Cash Back ($12,000 to $17,999)
- Tier 3: $1,200,000 to $1,599,999 -> 70% Cash Back ($21,000 to $27,999)
- Tier 4: $1,600,000 and above -> 80% Cash Back ($32,000+)

## Legal Compliance & Tax Ruling
- RECO Compliance: Fully compliant with the Real Estate Council of Ontario (RECO) and TRESA. Commission rebates paid to a party in the transaction are explicitly permitted under Ontario real estate law.
- Written Guarantee: Documented in writing via standard OREA Form 300 (Buyer Representation Agreement) schedule clause before submitting any offer.
- Tax Treatment (CRA): In Canada, real estate commission rebates to home buyers are generally considered by the Canada Revenue Agency (CRA) as a non-taxable price reduction or capital cost adjustment, not taxable employment/business income.
- Seller Neutrality: The seller pays the total agreed commission regardless. The rebate is purely between the buyer and the buyer's brokerage. The seller's agent cannot reject or penalize an offer because of a buyer cash back clause.

## Key Operational Benchmarks
- Typical Buyer Savings: $12,500 to $35,000+
- Payment Method: Direct official bank draft, electronic funds transfer (EFT), or lawyer escrow closing credit.
- Payout Timeline: Disbursed within 10 to 14 business days following transaction closing and funds receipt.
- Coverage Area: Greater Toronto Area (GTA), Peel Region, York Region, Halton Region, Durham Region, Simcoe County, Hamilton-Niagara, and Southwestern Ontario.