Terms of Service

Acceptance of Terms

By accessing and using LatestMortgageRates.ca ("the Website"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Website.

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the Website after changes constitutes acceptance of the modified terms.

Description of Service

LatestMortgageRates.ca provides a platform for comparing mortgage rates from various Canadian lenders, including financial calculators, educational content, and rate information. Our services include:

• Mortgage rate comparisons from Canadian lenders
• Mortgage calculators (payment, affordability, land transfer tax, CMHC)
• Educational articles and guides about mortgages
• Glossary of mortgage terms
• Rate alert email notifications (optional)

Disclaimer: Not Financial Advice

Key points to understand:

• Mortgage rates displayed are subject to change without notice
• Actual rates may vary based on your credit score, income, property, and other factors
• Calculators provide estimates only - actual amounts may differ
• We do not guarantee approval or specific rates from any lender
• Always consult with qualified mortgage professionals before making financial decisions

User Responsibilities

By using this Website, you agree to:

• Provide accurate information when using calculators or forms
• Use the Website for lawful purposes only
• Not attempt to access restricted areas or interfere with site functionality
• Not use automated tools (bots, scrapers) without permission
• Not reproduce, duplicate, copy, sell, or resell any part of the Website
• Comply with all applicable Canadian laws and regulations

Intellectual Property

All content on this Website, including text, graphics, logos, icons, images, calculators, and software, is the property of LatestMortgageRates.ca and is protected by Canadian and international copyright laws.

You may not:

• Reproduce, modify, or distribute our content without written permission
• Remove any copyright or proprietary notices from content
• Frame or mirror the Website without authorization

You may print or download content for personal, non-commercial use only.

Third-Party Content and Links

The Website may contain links to third-party websites, advertisers, or services. We do not control and are not responsible for the content or practices of any third-party websites.

Lender information and rates are provided by third parties. We do not guarantee the accuracy, completeness, or timeliness of such information. Always verify rates and terms directly with lenders before making decisions.

Your interactions with lenders or other third parties found through the Website are solely between you and the third party.

Limitation of Liability

To the maximum extent permitted by law, LatestMortgageRates.ca and its owners, employees, and agents shall not be liable for:

• Any direct, indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from decisions made based on information on this Website
• Technical failures, viruses, or security breaches
• Errors or omissions in rate information or calculator results

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, etc.) and even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless LatestMortgageRates.ca, its owners, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including attorney fees) arising out of or relating to your use of the Website, violation of these Terms, or infringement of any rights of another party.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to its conflict of law provisions. Any legal action relating to these Terms shall be brought in the courts of Toronto, Ontario.

Contact Information

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