These terms and conditions (“Terms”) govern your use of the Raj Dhanoa Mortgage Agent website (the “Website”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please refrain from using the Website.
1. Website Use
a. The Website is intended for informational purposes only and does not constitute financial or mortgage advice. Raj Dhanoa does not guarantee the accuracy, completeness or timeliness of the information provided on the Website. Any reliance on the information provided is at your own risk.
b. The Website may contain links to third-party websites or resources. Raj Dhanoa is not responsible for the content, accuracy or availability of such external sites or resources. The inclusion of any links does not imply endorsement by Raj Dhanoa.
c. You agree not to use the Website for any illegal or unauthorised purpose, and you will comply with all applicable laws and regulations.
2. Calculators and Estimates
The mortgage, refinance, affordability and land transfer tax calculators provided on this Website produce estimates for general planning purposes only. They are not an offer of credit, a pre-approval or a guarantee of any rate, product or amount. Actual figures depend on lender underwriting, credit review, property appraisal and prevailing rates at the time of application, and are subject to change without notice.
3. Intellectual Property
a. The Website and its original content, features and functionality are owned by Raj Dhanoa and are protected by intellectual property laws. You may not modify, reproduce, distribute, or create derivative works based on the content of the Website without prior written permission from Raj Dhanoa.
b. You retain ownership of any content you submit to the Website. However, by submitting content, you grant Raj Dhanoa a non-exclusive, royalty-free, perpetual and worldwide licence to use, distribute, reproduce, modify, adapt and publicly display the content for the purposes of operating and promoting the Website.
4. Privacy
The collection and use of personal information on the Website are governed by our Privacy Policy. By using the Website, you consent to the collection and use of your personal information in accordance with that Policy.
5. Disclaimer of Warranties
a. The Website is provided on an “as-is” and “as available” basis. Raj Dhanoa makes no warranties, express or implied, regarding the Website, including but not limited to the accuracy, reliability or availability of the Website or its content.
b. Raj Dhanoa disclaims all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose and non-infringement.
6. Limitation of Liability
a. In no event shall Raj Dhanoa or its affiliates, officers, directors, employees or agents be liable for any indirect, incidental, special, consequential or punitive damages arising out of or in connection with your use of the Website, even if advised of the possibility of such damages.
b. Raj Dhanoa’s total liability to you for any claim arising out of or in connection with the Website shall not exceed the amount paid by you, if any, for accessing the Website.
7. Indemnification
You agree to indemnify and hold Raj Dhanoa and its affiliates, officers, directors, employees and agents harmless from any claims, demands, losses, liabilities and expenses (including legal fees) arising out of or in connection with your use of the Website or violation of these Terms.
8. Modifications
Raj Dhanoa reserves the right, at its sole discretion, to modify or replace these Terms at any time without prior notice. Your continued use of the Website after any modifications constitutes your acceptance of the modified Terms.
9. 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, without regard to conflict of laws principles.
10. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
11. Regulatory Information
Key Mortgage Partners – Network Partner of Mortgage Intelligence. FSCO Brokerage # 12233. Mortgage brokerages, brokers, agents and administrators in Ontario are licensed and regulated by the Financial Services Regulatory Authority of Ontario (FSRA), the successor to the Financial Services Commission of Ontario (FSCO).
12. Contact
Questions about these Terms may be directed to (647) 501-7283 or raj@rajdhanoa.com.
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