Terms of service
Last Updated: May 2026
Welcome to our website. By accessing or using this site, you agree to the Terms outlined below. If you do not agree, please discontinue use of the website.
1. Purpose of the Website
This website provides mortgage‑education content, tools, and workshop information intended for general informational purposes only. It does not provide financial, legal, or mortgage‑brokerage advice. For personalized guidance, consult a licensed mortgage professional.
2. Website Hosting & Platform
This website is built and hosted using Hostinger Website Builder, which provides:
· Secure hosting
· Encrypted HTTPS connections
· Form submission storage
· Basic analytics
All content, data practices, and communications on this website are managed by us, not Hostinger.
3. Acceptable Use
You agree to use this website responsibly and not to:
· Engage in unlawful, harmful, or disruptive behavior
· Attempt to access restricted areas or systems
· Upload malicious code
· Misuse contact forms or workshop registration tools
Violation of these terms may result in restricted access.
4. Intellectual Property
All content on this website—including text, graphics, videos, branding, and downloadable materials—is owned by us or licensed to us.
You may not:
· Copy
· Reproduce
· Distribute
· Modify
· Sell
…any content without written permission.
5. Third‑Party Tools & Integrations
This website may include third‑party services such as:
· YouTube (video hosting)
· Calendly (workshop scheduling)
· Email marketing platforms
· Privacy‑friendly analytics tools
These services operate under their own terms and privacy policies. We only integrate tools necessary to deliver educational content and workshops.
6. Cookies & Tracking
This website uses cookies to improve functionality and user experience. A cookie consent banner appears when you visit the site, allowing you to review and accept our use of cookies.
Cookies may be used for:
· Essential website functions
· Privacy‑friendly analytics
· Embedded third‑party tools
You may withdraw consent at any time by adjusting your browser settings or contacting us.
7. Educational Content Disclaimer
We strive to provide accurate, up‑to‑date mortgage‑education content. However:
· Mortgage rules and lender policies change frequently
· Content may not apply to your specific financial situation
· We do not guarantee completeness or accuracy
You are responsible for verifying information before making financial decisions.
8. Limitation of Liability
To the fullest extent permitted by Ontario and Canadian law:
· We are not liable for damages arising from use of this website
· We do not guarantee uninterrupted or error‑free operation
· We are not responsible for outages or errors caused by Hostinger or third‑party tools
Your use of the website is at your own discretion.
9. Privacy
Your use of this website is also governed by our Privacy Policy, which explains:
· What information we collect
· How we use it
· How we store it
· Your rights under PIPEDA
By using the site, you consent to the practices described in the Privacy Policy.
10. Changes to These Terms
We may update these Terms at any time. Continued use of the website after updates indicates acceptance of the revised Terms.
11. Contact Information
For questions about these Terms or your rights, contact:
Email: dspence001@gmail.com Location: Ontario, Canada
Disclaimer:
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
