Terms of Use

Last updated: January 1, 2025

These Terms of Use ("Terms") govern your access to and use of the website located at calgarymortgageshoppe.ca (the "Website") operated by Calgary Mortgage Shoppe ("we," "us," or "our"). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

1. About Calgary Mortgage Shoppe

Calgary Mortgage Shoppe is a licensed mortgage brokerage regulated by the Real Estate Council of Alberta (RECA). We provide mortgage brokerage services to clients in Alberta and, where permitted, across Canada. Our services include assisting clients in obtaining residential and commercial mortgage financing from a variety of lenders.

2. Eligibility

By using this Website, you represent and warrant that you are at least 18 years of age, are legally capable of entering into binding agreements, and are accessing the Website for lawful purposes. Use of this Website from jurisdictions where its content may be unlawful is prohibited.

3. Nature of Information Provided

The content on this Website, including mortgage rate information, calculators, articles, and guides, is provided for general informational purposes only. It does not constitute financial, legal, or tax advice and should not be relied upon as such.

Mortgage rates displayed on this Website are subject to change without notice and may not reflect the rate available to any individual applicant. Rates are subject to lender approval and are based on specific qualification criteria. We encourage you to contact us directly to discuss your personal mortgage options.

Mortgage calculators and other tools on this Website are provided for illustrative purposes only. Results are estimates and do not account for all variables. You should consult a licensed mortgage broker before making any financial decisions.

4. No Guarantee of Results

Using our Website or engaging our services does not guarantee that you will be approved for a mortgage, obtain a specific rate, or qualify for any particular mortgage product. Mortgage approval is subject to lender underwriting criteria, credit adjudication, and applicable regulatory requirements.

5. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, and software, is the property of Calgary Mortgage Shoppe or its content licensors and is protected by applicable Canadian and international copyright, trademark, and intellectual property laws.

You may access, download, and print content from this Website for your personal, non-commercial use only. You may not reproduce, distribute, modify, transmit, or use the content for commercial purposes without our prior written consent.

6. User Conduct

When using our Website, you agree not to:

• Violate any applicable laws or regulations
• Submit false, misleading, or fraudulent information
• Interfere with or disrupt the operation of the Website
• Attempt to gain unauthorized access to any part of the Website or its systems
• Use automated tools to scrape, index, or collect data from the Website
• Engage in any activity that could damage, disable, or impair the Website

7. Online Application and Forms

When you submit personal or financial information through our Website, including mortgage application forms or contact forms, you consent to our collection and use of that information as described in our Privacy Policy. You represent that all information you provide is accurate, complete, and current.

Submitting an application or inquiry does not create a contractual obligation on our part to provide services, and does not guarantee mortgage approval or placement with any lender.

8. Third-Party Links and Services

Our Website may contain links to third-party websites, lender portals, or external resources. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party websites. Your use of third-party websites is at your own risk and subject to their respective terms and conditions.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Calgary Mortgage Shoppe, its principals, brokers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Website or our services, including but not limited to:

• Reliance on any information or content on the Website
• Errors, omissions, or inaccuracies in the Website content
• Unauthorized access to or alteration of your transmissions or data
• Any interruption or cessation of the Website
• Mortgage application outcomes or lender decisions

10. Disclaimer of Warranties

This Website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Privacy

Your use of this Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Regulatory Compliance

Calgary Mortgage Shoppe operates in compliance with the Mortgage Brokerages, Lenders and Administrators Act (MBLAA) of Alberta (as administered by RECA), applicable federal legislation including the Bank Act, the Interest Act, and the Cost of Borrowing regulations, as well as all relevant anti-money laundering and anti-terrorism financing requirements under FINTRAC.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Alberta and the applicable laws of Canada, without regard to conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Alberta.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Website with a revised effective date. Your continued use of the Website after changes are posted constitutes your acceptance of the updated Terms.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

16. Contact Us

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