TERMS OF USE

Generic starting template covering standard website terms of use. Pairs with the Privacy Policy above. Have a lawyer review before publishing, especially given the regulated nature of mortgage brokering.

Terms of Use

By accessing or using this Site, you agree to the following Terms of Use. If you do not agree, please do not use this Site.

1. Informational Purposes Only The content on this Site, including but not limited to rate information, program descriptions, and general mortgage guidance, is provided for general informational purposes only. It does not constitute financial, legal, or professional advice, and should not be relied upon as such. Mortgage rates, program eligibility, and lending criteria change frequently and may not be reflected on this Site at any given time.
2. No Guarantee of Approval or Terms Nothing on this Site constitutes a guarantee of mortgage approval, a specific interest rate, or specific lending terms. All mortgage applications are subject to individual lender review, underwriting, and approval. Actual terms offered will depend on your personal financial circumstances and the policies of the lender.
3. Licensing Alain G. Therrien is a licensed mortgage broker in British Columbia (License #MB612678) and Saskatchewan (License #XXXXXX). Services are provided in accordance with the applicable mortgage broker legislation and regulatory requirements of each province.
4. Use of This Site You agree to use this Site only for lawful purposes. You may not use this Site in any way that could damage, disable, or impair the Site, or interfere with any other party's use of it. You may not attempt to gain unauthorized access to any part of the Site, other accounts, or any systems or networks connected to the Site.
5. Intellectual Property All content on this Site, including text, graphics, logos, and images, is the property of AGT Mortgages or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission.
6. Third-Party Links This Site may contain links to third-party websites, including lender or partner sites. We are not responsible for the content, accuracy, or practices of any third-party websites, and including a link does not imply endorsement.
7. Limitation of Liability To the fullest extent permitted by law, AGT Mortgages and Alain G. Therrien are not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site, including reliance on any information provided on it.
8. Submitting Information Through This Site Any personal or financial information you submit through this Site's contact forms is handled in accordance with our Privacy Policy. Submitting an inquiry through this Site does not, on its own, establish a client relationship or guarantee that services will be provided; a formal engagement begins only once mutually agreed upon.
9. Changes to These Terms We may update these Terms of Use from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.
10. Governing Law These Terms of Use are governed by the laws of the Province of British Columbia, Saskatchewan and the applicable federal laws of Canada, without regard to conflict of law principles.