Terms of Service

1. Acceptance of Terms

By accessing or using the website at mortgagemadebetter.com (the "Site") or engaging the services of Mortgage Made Better® (the "Company"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use the Site or our services.

These Terms apply to all visitors, users, and others who access or use the Site.

2. Services Description

Mortgage Made Better® is a licensed mortgage brokerage operating in the Province of Ontario, Canada, under FSRA Brokerage Licence #13747. We act as an intermediary between borrowers and lenders to help facilitate mortgage financing. Our services include, but are not limited to:

• Residential and commercial mortgage pre-approvals and applications
• Mortgage refinancing and renewals
• First-time homebuyer guidance
• Self-employed and alternative income mortgage solutions
• Private mortgage placement
• Construction and renovation financing
• Informational mortgage tools and calculators

Our services are provided at no cost to the borrower in most cases, as we are compensated by the lender upon successful mortgage placement. In certain circumstances (e.g., private lending), a broker fee may apply and will be disclosed in writing prior to proceeding.

3. Not Financial Advice

The content on this Site — including articles, calculators, rate information, and blog posts — is provided for general informational and illustrative purposes only. It does not constitute financial, legal, tax, or investment advice, and should not be relied upon as such.

Mortgage eligibility, rates, and product availability are subject to lender approval and individual financial circumstances. We strongly recommend speaking with a licensed mortgage agent to receive personalized advice tailored to your situation.

4. Accuracy of Information

We endeavour to keep the information on this Site current and accurate. However, mortgage rates, product terms, and regulatory requirements change frequently. We make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, or suitability of any information on the Site.

Calculator results are estimates only and do not constitute a commitment to lend or a guarantee of rate or approval.

5. User Responsibilities

When using our Site or submitting an inquiry, you agree to:

• Provide accurate and complete information in all forms and communications
• Use the Site only for lawful purposes and in a manner that does not infringe the rights of others
• Not attempt to gain unauthorised access to any part of the Site or its infrastructure
• Not use the Site to transmit unsolicited communications or malicious software
• Not reproduce, distribute, or commercially exploit any content from the Site without prior written consent

6. Consent to Contact

By submitting an inquiry, application, or contact form on this Site, you consent to being contacted by a licensed mortgage agent from Mortgage Made Better® by telephone, email, or text message for the purpose of discussing your mortgage needs. You may withdraw this consent at any time by contacting us directly.

7. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We handle all personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

8. Intellectual Property

All content on this Site — including text, graphics, logos, icons, images, and software — is the property of Mortgage Made Better® or its content suppliers and is protected by applicable Canadian and international intellectual property laws. You may not copy, reproduce, republish, upload, post, transmit, or distribute any content from this Site without our express written permission.

9. Third-Party Links

This Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content or privacy practices of those sites and accept no responsibility or liability for them. The inclusion of any link does not imply endorsement.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Mortgage Made Better®, its officers, directors, agents, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on this Site or its content, even if advised of the possibility of such damages.

Our total liability to you for any claim arising out of or in connection with these Terms or your use of the Site shall not exceed the amount, if any, paid by you for services in the month preceding the event giving rise to the claim.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to the Site with a revised "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

13. Contact Us

If you have questions about these Terms, please contact us: