Terms & Conditions (Website Terms of Use)

These Terms & Conditions (“Terms”) govern your access to and use of this website (the “Site”) operated by Advance Mortgages Group Inc. (“Advance Mortgages,” “we,” “us,” or “our”).

By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1) No mortgage advice / informational purposes only

Content on this Site is provided for general informational purposes only and does not constitute financial, legal, accounting, or other professional advice. Mortgage products, rates, approvals, and terms depend on your individual circumstances and lender criteria.

You should consult with a licensed mortgage professional and/or your own professional advisors before making decisions.

2) No guarantee of approval or results

Submitting an inquiry, booking a call, or completing an application does not guarantee approval, a specific interest rate, or specific terms. Any examples, calculators, or illustrations are estimates only.

3) Permitted use

You agree to use the Site only for lawful purposes and in a way that does not:

• Violate any applicable law or regulation
  
• Infringe intellectual property or privacy rights
  
• Introduce malware or attempt unauthorized access
  
• Interfere with the Site’s operation or security
  
• Misrepresent your identity or provide false information
  

4) Applications, forms, and communications

If you submit information through forms, you represent that the information is accurate to the best of your knowledge. We may contact you using the details you provide to respond to your inquiry and deliver services.

5) Intellectual property

All content on the Site (text, graphics, logos, layouts, designs) is owned by or licensed to Advance Mortgages and protected by applicable intellectual property laws. You may not copy, reproduce, modify, distribute, or exploit Site content without prior written permission, except for personal, non-commercial use.

6) Third-party links

The Site may contain links to third-party websites. We are not responsible for third-party content, policies, or practices. Access third-party sites at your own risk.

7) Privacy

Your use of the Site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and disclose personal information.

8) Disclaimer of warranties

The Site is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free from viruses.

9) Limitation of liability

To the maximum extent permitted by law, Advance Mortgages will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits/revenues/data, arising from or related to your use of (or inability to use) the Site.

10) Indemnity

You agree to indemnify and hold harmless Advance Mortgages from claims, liabilities, damages, and expenses arising out of your use of the Site or your violation of these Terms.

11) Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after changes means you accept the revised Terms.

12) Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. You agree to the exclusive jurisdiction of the courts located in Ontario.

13) Contact

Questions about these Terms can be sent to:

Email: info@advancemortgages.ca
Phone: (647) 615-7458

Address: 1275 Finch Ave W, North York, ON M3J 2G5 Unit 404

Regulatory disclosure
Advance Mortgages Group Inc. – FSRA Licence #[13493]