Effective Date: February 16, 2026

Welcome to MortgageBroker.ca (“we,” “us,” or “our”). These Terms of Service govern your access to and use of our website, services, and communications, including SMS messaging. By using our website or services, you agree to these Terms.

If you do not agree, please discontinue use immediately.

1. Acceptance of Terms

By accessing our website, submitting your information, or using any of our services (including SMS communications), you agree to comply with these Terms of Service and any future updates.

2. Services Provided

MortgageBroker.ca provides mortgage-related services including, but not limited to:

Mortgage consultations

Purchase and refinance guidance

Line of credit assistance

General mortgage education and communication

Services may be modified, updated, or discontinued at any time without notice.

We do not guarantee mortgage approval or specific financial outcomes.

3. Eligibility

You must be at least 18 years old or the legal age of majority in your jurisdiction to use our services.

By using our services, you confirm that you meet this requirement.

4. User Responsibilities

When submitting information through our website or communications, you agree to:

Provide accurate and truthful information

Maintain the confidentiality of your personal details

Notify us immediately if you believe your information has been compromised

5. Privacy

Your use of MortgageBroker.ca is governed by our Privacy Policy, which explains how we collect, use, and protect your personal information, including SMS data.

6. Fees and Pricing

Any fees associated with our services will be communicated directly during consultations or service discussions.

Pricing and availability may change at any time.

MortgageBroker.ca reserves the right to refuse service at its discretion.

7. Permitted Use

You agree to use our website and services only for lawful purposes and not to:

Violate any applicable laws

Infringe on intellectual property rights

Attempt to disrupt or damage our website, systems, or communications

8. Intellectual Property

All content on this website—including text, graphics, logos, and materials—is owned by MortgageBroker.ca or its licensors and may not be copied, reproduced, or distributed without written permission.

9. Third-Party Links

Our website or communications may contain links to third-party websites. These are provided for convenience only. We are not responsible for third-party content, policies, or practices.

10. Limitation of Liability

To the fullest extent permitted by Canadian law, MortgageBroker.ca shall not be liable for:

Direct or indirect damages

Loss of income, data, or business opportunities

Service interruptions or technical issues

Use of our website and services is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless MortgageBroker.ca and its representatives from any claims, damages, or expenses arising from:

Your use of our services

Your violation of these Terms

Your breach of applicable laws

12. Termination

We reserve the right to suspend or terminate access to our services at any time, without notice, for violations of these Terms.

13. Modifications

These Terms may be updated at any time. Changes will be posted with a revised Effective Date. Continued use constitutes acceptance.

14. Governing Law

These Terms are governed by the laws of Ontario, Canada.

15. Dispute Resolution

Any disputes arising from use of MortgageBroker.ca will be resolved through binding arbitration in Ontario, Canada.

16. Severability

If any provision is found unenforceable, the remaining sections remain in full effect.

17. SMS Terms & Conditions

By providing your mobile number and opting in, you agree to receive SMS messages from MortgageBroker.ca related to:

Inquiry responses

Appointment confirmations

Reminders

Follow-ups

Mortgage-related updates

Message frequency may vary.
Message and data rates may apply.

You may opt out at any time by replying STOP.
For help, reply HELP.

Carriers are not responsible for delayed or undelivered messages.
Consent to receive SMS messages is not a condition of purchase.

18. Contact Information

If you have questions about these Terms of Service, contact us:

MortgageBroker.ca
220-56 Aberfoyle Cres
Etobicoke, ON, M8X 2W4

📞 647-408-7468
📧 [email protected]

By using MortgageBroker.ca, you acknowledge that you have read, understood, and agree to these Terms of Service.