Terms of Service

For www.themortgageguides.com online Mortgage Services

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These Terms of Service ("Terms") govern your access to and use of the website and online services (collectively, the "Services") provided by www.themortgageguides.com ("we," "our," or "us"), including the mortgage application platform, loan calculators, customer support, and any other features or services offered on www.themortgageguides.com.

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By accessing or using our website and Services, you agree to be bound by these Terms and our Privacy Policy. You may not access or use the Services if you disagree with these Terms.

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1. Eligibility

You must be at least 18 years of age to use our Services. By using the website and Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

2. Account Registration and Security

To use certain features of our Services, you may need to create an account with us. When registering, you agree to provide accurate, current, and complete information and to keep that information updated. You are responsible for maintaining the confidentiality of your account credentials, including your username and password, and for all activities under your account. You agree to notify us immediately of any unauthorized use of your account.

3. Use of Services

You agree to use the Services only for lawful purposes and in accordance with these Terms. Specifically, you agree not to:

• Provide false, misleading, or inaccurate information in your mortgage application.

• Engage in any activity that interferes with or disrupts the website or services.

• Use the Services for any fraudulent, illegal, or unauthorized purposes.

4. Mortgage Application Process

The Services may allow you to apply for a mortgage or loan products. By submitting an application through our platform, you acknowledge and agree to the following:

• The information you provide is subject to verification, and we may request additional documentation to process your application.

• All loan applications are subject to approval by our lending partners, and the terms and conditions of any loan agreement are determined by the lender, not by [Website Name].

• The submission of an application does not guarantee loan approval or funding.

5. Privacy and Data Collection

We respect your privacy and are committed to protecting your personal information. For more details on how we collect, use, and protect your data, please refer to our [Privacy Policy].

6. Fees and Payments

You may incur fees related to using the Services, including but not limited to loan processing fees, application fees, and other associated charges. These fees will be disclosed to you at the time of application or in the loan agreement. You agree to pay any applicable fees in a timely manner according to the terms set forth by our lending partners.

7. Intellectual Property

The content, design, and functionality of our website, including logos, text, images, and software, are owned by [Website Name] or our licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or otherwise use any part of the website for commercial purposes without our express permission.

8. Third-Party Services

Our website may contain links to third-party websites or services that are not owned or controlled by [Website Name]. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the terms of service and privacy policies of any third-party websites you visit.

9. Disclaimers

• The Services are provided "as-is" and "as available," without any warranties, express or implied, including but not limited to the implied warranties of merchantability or fitness for a particular purpose.

• We do not guarantee that the Services will be error-free, secure, or available at all times. We may suspend or terminate the Services at any time without prior notice for maintenance, updates, or other reasons.

• We are not responsible for any loss or damage resulting from your use of the Services, including but not limited to errors in your mortgage application or third-party transactions.

10. Limitation of Liability

To the fullest extent permitted by law, www.themortgageguides.com and its affiliates, employees, agents, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill arising from or in connection with your use or inability to use the Services.

11. Indemnification

You agree to indemnify and hold harmless www.themortgageguides.com, its affiliates, employees, agents, and partners from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of or related to your use of the Services, violation of these Terms, or infringement of any intellectual property rights.

12. Termination

We may suspend or terminate your access to the Services at any time and for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the Services will immediately cease, and any outstanding fees or obligations will remain due.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the province of Ontario , Canada . Any disputes arising from or related to these Terms will be resolved through binding arbitration in Brampton, Ontario, Canada

14. Changes to Terms

We reserve the right to modify or update these Terms at any time. When we make changes, we will post the updated Terms on this page and update the effective date. Your continued use of the Services after the changes are posted constitutes your acceptance of the new Terms.

15. Contact Information

If you have any questions or concerns about these Terms or our Services, please contact us at:

• Email: info@themortgageguides.com

• Address: 2 county court Blvd, Brampton, Ontario

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