Legal

Learn about the information that we gather and how we use it.

MonitorMyMortgage.com Privacy Policy

 

The MonitorMyMortgage.com Privacy Policy, hereby incorporated by reference into these Terms, explains the policy applicable to the information that is collected through the Websites or received directly from you.

Indemnity

As a condition of use of the Websites and/or services referenced thereon, you agree to indemnify the MonitorMyMortgage.com Companies and their respective suppliers, and the Providers, from and against any and all liabilities, expenses (including legal fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.

Links/Software

The Websites include links between the Websites and to websites operated by third parties not affiliated with MonitorMyMortgage.com. The Websites may be operated by different MonitorMyMortgage.com Companies, as specifically disclosed in the footers of the Websites.

Links from or to websites, including links to the Websites, are for convenience only. The MonitorMyMortgage.com Companies do not review or control, and are not responsible for, any websites linked from or to the Websites, the content of those websites, the privacy practices of those websites, the third parties named therein, or their products or services. Linking to any other website is at your sole risk and the MonitorMyMortgage.com Companies will not be responsible or liable for any damages in connection with such linking. In addition, the MonitorMyMortgage.com Companies do not endorse or approve of any websites linked from or to the Websites, except for websites of MonitorMyMortgage.com Companies.

If you download any software, we are not responsible or liable for any difficulties or consequences associated with downloading such software. The use of any downloaded software is governed by the terms of the applicable license agreement, if any, which accompanies or is provided with such software.

You may not gather, extract, reproduce and/or display on any other non-MonitorMyMortgage.com website or other online service, any material on or from the Websites, whether or not by the use of spiders or other ‘screen scraping’ software or system used to extract data without the express consent of MonitorMyMortgage.com.

Jurisdiction

Each of the Websites is administered by the applicable MonitorMyMortgage.com Company, as specifically disclosed in the footers of the Websites, from its offices in Canada. The Websites, the Information, the Terms and the Page Disclaimers will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws, and notwithstanding your domicile, residence or physical location. All disputes, controversies or claims arising out of or in connection with the Websites, the Information, the Page Disclaimers or the Terms will be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Websites, the Information, the Page Disclaimers or the Terms.

MonitorMyMortgage.com Terms of Use

 

These terms (the “Terms”) govern your use of all Websites (the “Websites”) operated by MonitorMyMortgage.com (“MonitorMyMortgage.com “).  If you access and use the Websites, you accept and agree to be bound by and comply with the Terms and any specific legal notices in the footers of the Websites.

General

The Terms are to be read by you together with any terms, conditions or disclaimers provided in the other pages of the Websites (the “Page Disclaimers”). In the event of any conflict between the Terms and the Page Disclaimers, the Page Disclaimers will govern.

All products and services of the MonitorMyMortgage.com Companies that are described, made available or provided on the Websites may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the agreements governing their use that are in force at the time of the provision or delivery of the product or service, in addition to the Terms and Page Disclaimers. In the event that the Terms or Page Disclaimers are inconsistent with the terms of any agreement that you or your organization may have with a MonitorMyMortgage.com Company, the terms of that agreement will govern.

The information, material and content provided in the pages of the Websites by a MonitorMyMortgage.com Company, including pricing information, (the “Information”) is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and the MonitorMyMortgage.com Companies and their officers, directors, employees and agents (“MonitorMyMortgage.com”) have no obligation to update the Information. The Information or the Websites may be changed, withdrawn or terminated at any time without notice.

Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly, and your continued access or use of the Websites will mean that you agree to any changes.

Any submission by you of an application, instruction or other request on or through any Website is subject to acceptance by MonitorMyMortgage.com and can be refused or declined by MonitorMyMortgage.com.

MonitorMyMortgage.com and Providers

MonitorMyMortgage.com is an independent website that provides information and links to mortgage brokers and other service providers. MonitorMyMortgage.com Company is not a mortgage broker, insurance broker, lender, or insurer. Information from third parties is not verified or guaranteed by any MonitorMyMortgage.com Company.

MonitorMyMortgage.com offers requests for other products and services on the Websites. You may be able to access these products and services when you complete a request and either (i) get matched with potential third party providers (“Provider” includes any third-party affiliate or finder of a Provider) who will respond with additional information and/or conditional offers for products or services or (ii) be provided with the name and information about potential Providers who may able to respond with the requested products or services or information about the requested products or services without any offers. The Providers that can provide you with conditional offers may not respond with offers until they communicate with you to get additional information.

MonitorMyMortgage.com is not a provider of products or services and does not make any decisions in connection with the products or services offered by Providers. MonitorMyMortgage.com does not endorse or recommend the products or services of any particular Provider or any other third party on any of its Websites.

MonitorMyMortgage.com is not an agent of either you or any Provider. MonitorMyMortgage.com services are only to facilitate contact between site users and Providers. You should rely on your own judgment in deciding which available product or service and Provider best suits your needs and financial means. The Provider is solely responsible for its services to you, and you agree that MonitorMyMortgage.com will not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Providers may keep your request information and any other information provided by or through MonitorMyMortgage.com or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any particular Provider directly if you no longer want to receive communications from them.

Website Use

All persons using the Websites may do so only for information purposes, to establish communication with Providers, or to solicit information or proposals from Providers.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a product or service through MonitorMyMortgage.com to each of the Providers to whom your request is transmitted. By submitting the request containing your electronic signature, you are extending an express invitation to each Provider to contact you by telephone at the numbers you have provided so they may assist you with your transaction (and you hereby consent to any such calls even if your phone number is on any Do Not Call list) or by e-mail at the e-mail address you provided or at another address that may be associated with you that we receive from Providers or other parties and you hereby consent to any such e-mail so it will not be considered spam or unauthorized by any applicable law or regulation. By saving your information with MonitorMyMortgage.com or by doing a submission, you give MonitorMyMortgage.com permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete requests, the delivery of request matches, deadlines, quality of services or other matters in connection with your request. For any product or service, you represent that all of the information you have provided in your submission and request is true and complete.

By submitting the request form, you authorize MonitorMyMortgage.com to provide information that you provided or that MonitorMyMortgage.com has or may received from others to Providers or their finders. By submitting any form or request, you authorize MonitorMyMortgage.com to provide your information to Providers in accordance with the information or terms set out on that page.

MonitorMyMortgage.com Company is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.

Local Laws; Export Control

It is important to note that the products, services and Information made available or provided on the Websites may or may not be available in jurisdictions outside of Canada. In addition, the Information does not constitute an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation, whether in Canada or elsewhere.

Please be aware of the laws of your province, state or country or that otherwise apply to you in relation to any of the matters described in the pages of the Websites. If you choose to access the Websites, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

You may not use, export or re-export the Information or any copy or adaptation thereof in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

Not Offering Any Advice

The Websites are not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information.

No Warranties

MonitorMyMortgage.com Companies provide the Websites and the Information on an “as is, where is” basis and do not make any express or implied warranties, representations, or endorsements with respect to the Websites or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, MonitorMyMortgage.com Companies do not represent or warrant that the Websites will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for taking protection and backup of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trademarks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs, or other content on the Websites, are trademarks or trade names owned by the MonitorMyMortgage.com or its Affiliates. MonitorMyMortgage.com Affiliates are licensed to use the trademarks owned by MonitorMyMortgage.com.

Many of the trademarks displayed on the Websites are distinguished from one another and accompanied, at first use, with the appropriate trademark symbol: ®/TM/‡. When one of the trademark symbols ® or TM is used, it refers to a trademark of MonitorMyMortgage.com. Whenever the ‡ symbol is used, it denotes a trademark, which is the property of its respective owner. Alternate symbols such as ** or † may have also been used to denote a trademark which is the property of its respective owner.

Nothing on any Website will be construed as conferring any licence of any intellectual property rights, whether by estoppel, implication or otherwise. All Information is for your personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution as denoted on the pages copied. The Information may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of MonitorMyMortgage.com or a MonitorMyMortgage.com Affiliate. The Information is protected under the copyright laws of Canada and other countries. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Websites may be a violation of federal or other law that may apply to trademarks and/or copyrights, and such actions could subject the copier to legal action.

Information Provided By You

You agree that any information or materials that you provide to any of the MonitorMyMortgage.com Companies through any of its Websites will become the sole property of MonitorMyMortgage.com, and may be used freely by any MonitorMyMortgage.com Company.

Internet E-mail

Any unprotected e-mail communication over the Internet is, as with communication via other mediums (e.g. cellular phones, post office mail), not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information via these media. MonitorMyMortgage.com Company is not responsible for or will be liable to you or anyone else for any damages in connection with an e-mail or text message sent by you to a MonitorMyMortgage.com Company, or an email or text message sent by a MonitorMyMortgage.com Company to you.

No Liability

MonitorMyMortgage.com Company is not responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Websites or the Information, or your ability on inability to access or use the Websites or the Information, or any action or decision made by you in reliance on the Websites or the Information, or any errors in or omissions from the Websites or the Information, or any unauthorized use or reproduction of the Websites or the Information, even if a MonitorMyMortgage.com Affiliate has been advised of the possibility of these damages.