Terms of Service

1. Acceptance of Terms

By accessing and using the Ontario Financial Advisor website ("Website") and our mortgage brokerage services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website or services.

2. Services Provided

Ontario Financial Advisor is a lead-matching platform that connects mortgage seekers with licensed mortgage professionals and brokerages regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Our services include:

• Mortgage information and educational resources
• Lead-matching with licensed mortgage professionals
• Mortgage rate comparison tools and information
• Connection to pre-approval and application assistance
• Information about home purchase, refinancing, renewal, and HELOC options
• Referrals to regulated mortgage professionals

Important: Ontario Financial Advisor does not directly provide mortgage advice, process applications, or act as a mortgage broker. All mortgage services are provided by licensed professionals and brokerages we connect you with.

3. No Cost to Users

Using Ontario Financial Advisor to find and connect with licensed mortgage professionals is free. We are compensated by participating mortgage professionals and lenders when connections result in actual services. This does not affect the rates or terms offered to you by licensed professionals.

4. Accuracy of Information

We strive to provide accurate and up-to-date information on our Website, including mortgage rates, market data, and property information. However:

• Mortgage rates are subject to change without notice
• Rate quotes displayed are indicative and subject to lender approval
• Market data and statistics are sourced from third parties and may not be current
• All information is provided for general guidance only and should not be relied upon as financial advice

5. User Responsibilities

When using our Website and services, you agree to:

• Provide accurate and complete information in all forms and applications
• Not misuse or attempt to exploit our Website
• Not submit false or fraudulent information
• Use our services only for lawful purposes
• Not reproduce or republish our content without permission

6. Limitation of Liability

To the maximum extent permitted by law, Ontario Financial Advisor shall not be liable for:

• Any indirect, incidental, or consequential damages arising from use of our Website or services
• Decisions made or actions taken based on information provided on our Website
• Mortgage rate changes or lender decisions beyond our control
• Third-party content, links, or services referenced on our Website

7. No Guarantee of Approval

While we work with 50+ lenders to find the best mortgage options for you, we do not guarantee mortgage approval. Final approval is at the discretion of the lender and is subject to their underwriting criteria, credit assessment, and property appraisal.

8. Intellectual Property

All content on this Website, including text, images, logos, graphics, and design elements, is the property of Ontario Financial Advisor and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

9. External Links

Our Website may contain links to third-party websites. We do not endorse or assume responsibility for the content, terms, or privacy practices of these external sites. Accessing third-party links is at your own risk.

10. Modifications to Terms

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

11. Governing Law

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Ontario.