Terms and Conditions of Use for tmtf.ca

These terms and conditions of use (the “Terms”) govern your use of the website located at www.tmtf.ca (the “Website”), including all pages within the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Website.

  1. Use of Website

a. The Website is intended for use only by individuals who are at least 18 years old and who are able to enter into legally binding contracts under applicable law.

b. You may use the Website solely for your personal, non-commercial use. You may not use the Website for any other purpose, including any commercial purpose, without the prior written consent of tmtf.ca.

c. You may not use the Website in any way that is unlawful, harmful, threatening, defamatory, obscene, harassing, or otherwise objectionable, as determined by tmtf.ca in its sole discretion.

  1. Mortgage Services

a. The Website provides mortgage information and services, including information about mortgage rates, mortgage products, and mortgage lenders.

b. tmtf.ca is not a mortgage lender and does not provide mortgage loans or other financial services.

c. tmtf.ca is not responsible for any errors or omissions in the information provided on the Website.

d. tmtf.ca does not guarantee that you will be approved for a mortgage loan or that you will receive any specific mortgage rate or product.

e. You are solely responsible for determining your eligibility for a mortgage loan and for selecting a mortgage lender and mortgage product that meet your needs.

  1. User Content

a. You may submit content, including comments and reviews, to the Website (“User Content”).

b. By submitting User Content, you grant tmtf.ca a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content throughout the world in any media.

c. You represent and warrant that you have all necessary rights to submit User Content and that the User Content does not infringe the intellectual property rights, privacy rights, or any other rights of any third party.

d. tmtf.ca reserves the right to remove any User Content from the Website at any time, for any reason, without notice to you.

  1. Intellectual Property

a. The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by tmtf.ca, its licensors, or other providers of such material and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

b. These Terms permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:

i. Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

ii. You may store files that are automatically cached by your Web browser for display enhancement purposes.

iii. You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.

iv. If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial