Terms of Use
Last Updated: August 2025
Welcome to this website (“we,” “our,” “us”). By accessing or using our website, calculators, or services, you agree to be bound by these Terms of Use. Please read them carefully. If you do not agree, you should not use this site.
1. Use of the Website
Uses:
You agree to use this website and its calculators for personal, non-commercial purposes only.
You agree not to misuse the website by introducing malware, attempting unauthorized access, or engaging in activity that disrupts functionality.
You must be at least 18 years of age or the age of majority in your province/territory to use this site.
2. Calculator Tools
Tools:
Our calculators (mortgage payment, affordability, refinance, closing costs) are provided for educational and informational purposes only.
Results are estimates and do not constitute financial advice, mortgage approval, or a guaranteed offer of credit.
Actual rates, terms, and costs will vary depending on lenders, your personal profile, and market conditions.
3. No Financial or Legal Advice
The content on this website does not replace the advice of a licensed mortgage professional, financial advisor, accountant, or lawyer. You should always consult qualified professionals before making financial decisions.
4. Intellectual Property
All content, calculators, text, graphics, logos, and design elements are owned or licensed by us.
You may not copy, reproduce, modify, or distribute any content from this website without prior written permission.
5. Third-Party Services & Links
This website may contain links to third-party websites or tools. We are not responsible for the accuracy, policies, or content of third-party services. Accessing them is at your own risk.
6. Limitation of Liability
We make no guarantees about the accuracy, completeness, or reliability of the calculators or content.
We are not liable for any losses, damages, or consequences resulting from your use of this website, including reliance on calculator results.
7. Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising out of your use of this website, your violation of these Terms, or your violation of applicable laws.
8. Changes to Terms
We may update these Terms of Use from time to time. Updates will be posted on this page with an updated “Last Updated” date. Continued use of the website after changes means you accept the revised Terms.
9. Governing Law
These Terms are governed by the laws of Ontario, Canada (or your province/territory if different). Any disputes shall be resolved in the courts of that jurisdiction.
10. Contact Us
If you have questions or concerns about this Privacy Policy or how your information is handled, please contact us
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