Terms of Service

Last updated: March 30th, 2020

These Terms of Service ("Terms", "Terms of Service") govern your relationship with www.MapleMortgage.ca website (the "Service") operated by Maple Mortgage Inc ("us", "we", or "our").

Please read these Terms of Service carefully before using the Service.

Your access to and use of the Service is based on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms and accept all legal consequences. If you do not agree to these terms and conditions, in whole or in part, please do not use the Service.

The service

MapleMortgage.ca provides a comparison service for mortgage products and rates. Our website allows users to access the advantages and disadvantages of various mortgage products. These mortgage products are offered by third party vendors, such as banks, mortgage lenders and mortgage brokers. You acknowledge that MapleMortgage.ca may not always have the most up to date rate information and details concerning the offerings of each Vendor. 

MapleMortgage.ca also offers mortgage calculators and other analysis tools. While we do our best to ensure that these mortgage calculators are accurate we take no responsibility or liability for any inaccuracies in our mortgage calculator tools. You further agree that the results of these financial calculations do not constitute financial advice.

MapleMortgage.ca publishes news and educational articles and content on our website. While we do our best to ensure that these articles and content pieces on our website are accurate we take no responsibility or liability for any inaccuracies in our content. You further agree that these articles and content do not constitute financial advice.

Links to other web sites

The Service may contain links to third-party web sites or services that are not owned or controlled by MapleMortgage.ca.

MapleMortgage.ca has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that MapleMortgage.ca shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Eligibility for mortgage rates

You agree that any transaction for any Mortgage Product is between You and the lender or mortgage broker. You agree that you may not be eligible for any or all of the Mortgage Products and/or rates appearing on MapleMortgage.ca, The mortgage lender, and not MapleMortgage.ca, is responsible for approving or denying any application for any Mortgage Products.

How we make money

MapleMortgage.ca is a free service to our users. We do not charge our users any fees for using our website. You do however acknowledge that we may make a referral fee or commission fee for referring successful business to our partner vendors. We do however ensure that the user is always presented with the best mortgage rates first regardless of any referral fee we may or may not gain. Any promoted Mortgage products in which we receive a referral fee will be clearly marked as “Featured Rate”.

Referral fees we earn are not paid by users of MapleMortgage.ca. Any referral fee we make is paid directly to us by the financial institution, mortgage broker or partner vendor and does not affect the mortgage rate you receive.

Advertising

You acknowledge and agree that MapleMortgage.ca may contain advertisements for Vendor Mortgage Products and other third party financial products and services. If You elect to have any business dealings with a third party whose products or services may be advertised on MapleMortgage.ca, You acknowledge and agree that such dealings are solely between You and such advertiser and You further acknowledge and agree that MapleMortgage.ca shall not have any responsibility or liability for any losses or damages that You may incur as a result of any such dealings.

Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Terms. All provisions of the Terms shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. Upon termination, your right to use the Service will immediately cease.

Governing law

These Terms shall be governed by, and interpreted and enforced in accordance with, the laws in the Province of Ontario and the laws of Canada, as applicable. If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, then any remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements, oral or otherwise, regarding the Service.

End user license

Except for User Content and Vendor Content, MapleMortgage.ca, and the information and materials that it contains, including the comparisons and analyses of Mortgage Products are the intellectual property and/or proprietary information of MapleMortgage.ca and its partners and licensors, and are protected from unauthorized copying and dissemination by copyright law, trademark law, and other intellectual property laws. Subject to the terms of this Agreement, MapleMortgage.ca grants you a non-transferable, non-exclusive, license to use the Website for your use. Nothing in the Terms gives you a right to use the MapleMortgage.ca names, trademarks, logos, domain names, and other distinctive brand features without our prior written consent. Any future release, update, or other addition to the functionality of the Website shall be subject to the terms of these Terms.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact us

If you have any questions about these Terms, please contact us at hello@maplemortgage.ca

Ⓒ MapleMortgage.ca 2020

Disclaimer: MapleMortgage.ca strives to keep its mortgage rates and information up to date and accurate. The information and tools presented on MapleMortgage.ca are for informational and educational purposes only and does not constitute financial advice. At times the information you see when you visit a financial institution's or broker's website may be different. When looking for a mortgage, please contact the financial institution or broker directly for the latest terms and conditions.