Terms & Conditions

Terms & Conditions

Seitz Network Ltd doing business as MortgageRates.ca (“MortgageRates.ca” or “we” or “our”), owns and operates the website located at http://www.MortgageRates.ca, (the “Site”). MortgageRates.ca provides and maintains this site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in this Terms of Use. By accessing and using the Site, you accept and agree, without limitation, to the following:

GENERAL

Mortgage rates are supplied by third parties and presented on the Site for informational purposes. The information on the Site is subject to change without notice. Please verify all rates and other program information directly with a broker or agent from the financial institution.

MortgageRates.ca reserves the right to modify these Terms of Use from time to time without notice. You agree to review the terms regularly, and your continued access or use of the Site will mean that you agree to any changes. If you do not agree with any of the terms and conditions of this agreement, you may not use the Site.

PRODUCTS AND SERVICES

You understand and agree that MortgageRates.ca is not a lender and is not the creditor for or issuer of the products featured on the Site. Any products or services advertised at this Site or made available to you after you receive a financial product from an issuer are by and remain the sole responsibility of the respective product vendors and service providers. MortgageRates.ca is not a lender, mortgage broker, insurance broker, or insurer. Information from third parties is not verified or guaranteed by MortgageRates.ca.

All products and services of the lenders or brokers presented on the MortgageRates.ca Site that are described, made available or provided on the site may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the agreements governing their use that are in force at the time of the provision or delivery of the product or service.

The information, material and content provided in the pages of the Site by a lender or broker, including pricing information, is believed to be reliable when added to the Site, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the information may include technical inaccuracies or typographical errors, and the lenders and their officers, directors, employees and agents have no obligation to update the information. The information or the Site may be changed, withdrawn or terminated at any time without notice. MortgageRates.ca does not endorse or recommend the products or services of any particular provider or any other third party on the Site.

You understand that providers may keep your request information and any other information provided by or through MortgageRates.ca or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any particular provider directly if you no longer want to receive communications from them.

MORTGAGE REQUEST ACCEPTANCE POLICY

Your receipt of an electronic or other form of order confirmation does not signify any acceptance of your mortgage request, nor does it constitute confirmation of any offer to fund. MortgageRates.ca reserves the right at any time after receipt of your mortgage request to accept or decline your mortgage request for any reason. MortgageRates.ca may require additional verifications or information before accepting any mortgage request. The lender or broker is solely responsible for its services to you, and you agree that MortgageRates.ca will not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services.

RESTRICTIONS

You must be 18 years or older and be a legal resident of Canada to submit a mortgage request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.

GOVERNING LAW & JURISDICTION

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your purchase of products or services through the third party affiliates. It is important to note that the products, services and information made available or provided on the Site may or may not be available in jurisdictions outside of Canada. In addition, the information does not constitute an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation, whether in Canada or elsewhere. If you use this Site from outside Canada, you are entirely responsible for compliance with applicable local laws. You hereby irrevocably submit to the exclusive jurisdiction of the courts of the Province of Saskatchewan in relation to all disputes arising from or related to this agreement, your use of the Site and any related matters.

INTELLECTUAL PROPERTY

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by MortgageRates.ca, its licensees, or other third parties who have authorized use of such properties on the Site.

MortgageRates.ca reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of MortgageRates.ca. Except as expressly provided on this Site, nothing contained on this Site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right. You acknowledge that the content is protected by Canadian and international copyright, patent, trademark, and other applicable intellectual property laws. You may print or download the pages of the Site solely for your lawful and personal use provided that you do not modify any of the Site pages or other content and you do not remove or alter any visible or non-visible identification, marks, notices, or disclaimers. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Site may be a violation of federal or other law that may apply to trademarks and/or copyrights, and such actions could result in legal action.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

MortgageRates.ca uses reasonable efforts to ensure that the information on the Site is accurate, but cannot guarantee such accuracy. MortgageRates.ca makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter.

NEITHER MORTGAGERATES.CA NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law.

THIRD PARTY CONTENT

The Site may include promotional information and advertisements relating to products and services of third parties and may contain links to sites maintained by third parties. MortgageRates.ca is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

PRIVACY
MortgageRates.ca collects, uses, and discloses your personal information in accordance with its Privacy Policy. By accepting this agreement, and each time you use the Site, you consent to MortgageRates.ca’s collection, use and disclosure of your personal information.

SITE USE

MortgageRates.ca is not your agent, nor is it the agent of the issuer of any mortgage or any supplier with respect to your decision to obtain a mortgage or other financial offering. MortgageRates.ca may receive compensation for third parties for goods, facilities or services that MortgageRates.ca provides to third parties under separate contact. Such goods, facilities or services may or may not relate in any way to your use of the Site. You agree to any such compensation arrangement whether or not related in any way to your use of the Site.

INDEMNIFICATION

By using the Site, you agree to indemnify and hold MortgageRates.ca, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.

VIOLATION OF THE TERMS OF USE

By using the Site, you understand and agree that MortgageRates.ca, at its sole discretion and without prior notice, may terminate your access to the Site and to any services offered on the Site, and may remove any content you have provided if MortgageRates.ca believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, that your conduct is disruptive, or you have violated the law or the rights of MortgageRates.ca or another user.

NO ADVICE
MortgageRates.ca does not provide specific financial, investment, accounting, tax or legal advice of any kind. The materials on this Site are not intended to be, or should they be interpreted as, legal opinion or advice, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information. You should apply your own judgment in making use of any products, services or content provided on or through the Site, including, without limitation, the use of any information contained therein as the basis for any conclusions. You are responsible for your own research and decisions regarding the purchase of any product or service.

MISCELLANEOUS

All rights not expressly granted are reserved to MortgageRates.ca. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation hereof or thereof. A party’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and therein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

CONTACT INFORMATION:
MortgageRates.ca
PO Box 32167
2223 Victoria Avenue East
Regina, Saskatchewan
S4N 7L2

Email: support [at] mortgagerates.ca

Please note that for questions pertaining to your mortgage application status, you must contact your assigned lender or mortgage broker directly. MortgageRates.ca cannot access information about your mortgage approval status.

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