Terms & Conditions
Welcome to HM Mortgages! We are pleased to offer our mortgage services to you. Before you proceed, please carefully read and understand the following terms and conditions governing the use of our services:
1. Introduction: These terms and conditions govern your use of the mortgage services provided by HM Mortgages in Canada.
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our Services.
2. Eligibility: Our Services are available to individuals who are legal residents of Canada and meet the eligibility criteria set forth by Canadian regulations and our internal policies.
By using our Services, you confirm that you are legally capable of entering into a binding contract and that you meet the eligibility requirements.
3. Mortgage Services: Our Services include assistance with various mortgage products, including but not limited to:
- First Time Home Buyer programs
- Mortgage Refinance
- Early Renewals
- Reverse Mortgages
We provide information, guidance, and assistance throughout the mortgage process to help you make informed decisions.
4. Accuracy of Information: You agree to provide accurate and complete information when using our Services, including during the application process.
We reserve the right to verify the information provided and may request additional documentation to assess your eligibility for our Services.
5. Financial Advice: Our Services are intended to provide general information and assistance regarding mortgage options.
We are not financial advisors, and our Services do not constitute financial advice. It is recommended you seek professional advice from a qualified financial advisor before making any significant financial decisions.
6. Privacy and Security: We are committed to protecting your privacy and the security of your personal information.
By using our Services, you consent to the collection, use, and disclosure of your personal information in accordance with our Privacy Policy.
7. Third-Party Links: Our website may contain links to third-party websites or resources. We are not responsible for the content, accuracy, or availability of such external sites.
Your use of third-party websites is subject to their respective terms and conditions.
8. Limitation of Liability: We strive to provide accurate and reliable information and Services. However, we do not guarantee the accuracy, completeness, or reliability of any information or Services provided.
In no event shall we be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of our Services.
9. Amendments: We reserve the right to amend or update these Terms at any time without prior notice.
It is your responsibility to review the Terms periodically for any changes.
10. Governing Law: These Terms shall be governed by and construed in accordance with the laws of Canada.
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you have any questions or concerns regarding these Terms, please contact us at contact@hmmortgages.ca