Effective date: June 23, 2026

Last revised: June 23, 2026

1. Website Information Disclaimer:

The information contained on this website is provided for general information purposes only and does not constitute mortgage, financial, legal, tax, or investment advice.

2. Client Relationship:

Visiting the website does not establish a broker-client relationship, completing forms or requesting information does not guarantee representation, and a formal client relationship begins only when required consent, disclosures, and agreements have been completed and signed by both parties.

3. Accuracy of Information Submitted by Users:

Users agree that all information submitted through this website is true, complete, and accurate to the best of their knowledge. The brokerage may rely upon information provided by users when assessing mortgage options, communicating with lenders, and providing services.

4. Pre-Qualification & Pre-Approval:

Pre-qualification and pre-approval results are not approvals. Approvals depend on underwriting, property review, credit & income verification, and other factors required by the lender and the licensing body.

5. No Guarantee of Mortgage Approval:

Submission of an application does not guarantee approval, funding, rate availability, or acceptance by any lender. Mortgage approval is solely at the discretion of the lender and subject to all underwriting requirements.

6. Rate & Product Availability:

Rates are subject to change without notice, promotions can be withdrawn at any time, and applicants may not qualify for advertised rates as the availability can change based on lender requirements and market conditions.

7. Third-Party Lenders:

Information obtained from lenders, insurers, and other third-party sources is believed to be reliable but is not guaranteed as accurate, complete, or current. The brokerage is not responsible for information gathered from any third-party websites, and any information gained through external links is for convenience only.

8. Privacy Policy:

Refer to our privacy policy on tab on our home page.

9. Anti-Spam Legislation:

Refer to our privacy policy on our home page for information on how your personal information is used.

10. Limitation of Liability:

The brokerage shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from the use of, inability to use, or reliance upon this website or its content.

11. Intellectual Property:

All content on this website is owned by the brokerage and may not be copied or reproduced without express permission. This includes any website text, graphics, logos, marketing materials, or downloadable resources.

12. User Conduct:

Users of this website are prohibited from uploading malicious code, attempting unauthorized access, misrepresenting their identity or the identity of another person, interfering with website operations, or using the website for any unlawful purpose. Users must be at least the age of majority in their province or territory to submit mortgage inquiries through this website.

13. Licensing and Regulatory Compliance:

Mortgage products and services are offered only in jurisdictions where the brokerage and its representatives are appropriately licensed or authorized to conduct business.
Mortgage services are subject to applicable provincial legislation and regulatory requirements. Nothing on this website shall be interpreted as overriding those requirements.

14. Electronic Communications:

By submitting information through this website, users consent to receiving communications electronically, including email, telephone, and text message communications relating to their inquiry, subject to applicable laws and any consent preferences provided.

15. Website Availability:

The website and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied.

16. Security of Information:

Mortgage websites often collect personal and/or sensitive information. While the brokerage employs commercially reasonable safeguards to protect information submitted through the website, no method of internet transmission or electronic storage is completely secure. Users acknowledge and accept these risks when transmitting information online.

17. Calculator and Estimate Disclaimer:

Mortgage payment calculators, affordability calculators, rate estimates, and similar tools are provided for illustrative purposes only and should not be relied upon as financial advice or lending commitments.

18. Indemnification:

Users agree to indemnify and hold harmless the brokerage, its employees, agents, and representatives from any claims, losses, damages, liabilities, and expenses arising from misuse of the website or violation of these Terms.

19. Modification of Terms:

The brokerage reserves the right to modify these Terms at any time. Continued use of the website following any updates constitutes acceptance of the revised Terms.

20. Governing Law and Jurisdiction:

These Terms shall be governed by and construed in accordance with the laws of the Province of Manitoba and the federal laws of Canada applicable therein. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Manitoba.

21. Severability:

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Questions regarding these Term of Service may be directed to:

Caily MacGregor, Partner
100 – 99 Scurfield Boulevard, Winnipeg, MB R3Y 1Y1
cailym@onelinkmortgage.com