Mortgage Wellness – Terms & Conditions

Last Updated: February 12, 2026

1. Acceptance of Terms

By accessing or using the Mortgage Wellness website (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”), all applicable laws, and any additional guidelines or policies that may apply. If you do not agree with these Terms, you must discontinue use of the Site immediately.

All content on the Site is protected by applicable copyright, trademark, and intellectual property laws.

2. Use License

Mortgage Wellness grants you a limited, non‑exclusive, non‑transferable, temporary license to download or view materials on the Site for personal, non‑commercial use only. This license does not permit you to

• Modify, reproduce, or copy the materials;
• Use the materials for commercial purposes or public display;
• Attempt to reverse engineer, decompile, or otherwise extract software or proprietary components from the Site;
• Remove copyright, trademarks, or proprietary notices;
• Redistribute or “mirror” the materials on any other server or platform.

This license automatically terminates if you violate these restrictions and may be revoked by Mortgage Wellness at any time. Upon termination, you must destroy any downloaded materials in your possession.

3. Disclaimer

All materials on the Site are provided “as is” without warranties of any kind, whether express or implied. Mortgage Wellness makes no representations or warranties regarding:

• Accuracy or completeness of the materials;
• Expected results from using the Site;
• Reliability or suitability of the information for any purpose.

Mortgage Wellness does not guarantee uninterrupted, secure, or error‑free access to the Site.

4. Limitation of Liability

In no event shall Mortgage Wellness or its affiliates, partners, employees, or suppliers be liable for any damages arising out of the use or inability to use the Site, including but not limited to:

• Loss of data
• Loss of profits
• Business interruption
• Indirect, incidental, or consequential damages

Some jurisdictions may not allow certain liability limitations; therefore, some limitations above may not apply to you.

5. Revisions and Accuracy of Materials

The materials on the Site may contain errors, outdated information, or technical inaccuracies. Mortgage Wellness may update or change the content at any time without notice. However, Mortgage Wellness does not commit to updating materials regularly.

6. Links to Third‑Party Sites

The Site may contain links to external websites. These links are provided for user convenience only. Mortgage Wellness does not endorse, control, or assume responsibility for the content or privacy practices of third‑party sites. Use of linked sites is at your own risk.

7. Modifications to Terms

Mortgage Wellness may modify these Terms at any time without notice. Continued use of the Site indicates acceptance of the most current version of the Terms.

8. Governing Law

These Terms are governed by the laws of the Province of Ontario, without regard to conflict‑of‑law principles. Any disputes will be resolved in the courts of Ontario.

Mortgage Wellness – Privacy Policy

Last Updated: February 12, 2026

Mortgage Wellness is committed to protecting your personal information and maintaining transparency regarding how your data is collected, used, and stored.

1. Information We Collect

We may collect the following types of information:

a. Personal Information You Provide

• Name
• Email address
• Phone number
• Property or financial details submitted through forms
• Documents voluntarily uploaded or shared

b. Automatically Collected Information

• IP address
• Browser type and device information
• Pages viewed, time on site, and usage patterns
• Cookies  and tracking technologies

2. How We Use Your Information

We may use personal information for:

• Providing mortgage consultations and related services
• Responding to inquiries or requested information
• Processing applications or pre‑approvals
• Improving site functionality and user experience
• Complying with legal or regulatory requirements
• Marketing communications (only with consent)

3. Sharing of Information

Mortgage Wellness does not sell your personal information.
We may share information with:

• Mortgage lenders, financial institutions, and service partners (only when required for your application)
• Authorized employees, brokers, or agents
• Legal authorities, when required by law
• Service providers supporting website hosting, analytics, or communication tools

All third parties are required to protect your data in accordance with applicable privacy laws.

4. Cookies & Tracking Technologies

We use cookies to:

• Improve website performance
• Personalize user experience
• Analyze site traffic and engagement

You may disable cookies in your browser settings, though some site features may be impacted.

5. Data Security

We implement reasonable technical and administrative safeguards to protect your personal information. However, no online transmission or storage system is fully secure, and we cannot guaranteeabsolute security.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access your personal data
• Request corrections or updates
• Withdraw consent for marketing
• Request deletion of your data (subject to legal requirements)

To make a request, contact us at:
Hello@mortgagewellness.ca

7. Retention

We retain personal information only as long as necessary to:

• Provide services
• Comply with legal obligations
• Resolve disputes

8. Third‑Party Services

Our website may integrate services such as analytics tools or embedded content from other platforms. These third parties may collect data according to their own policies, not ours.

9. Changes to This Policy

We may update this Privacy Policy periodically. Continued use of the Site indicates acceptance of the most current version.

10. Contact Information

If you have questions about these Terms or our Privacy Policy, please contact:

Mortgage Wellness
Email: Hello@mortgagewellness.ca
Website: https://www.mortgagewellness.ca

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