Mortgage Allies provides mortgage-related information, support, and assistance with mortgage inquiries and applications. Submitting information through our website or speaking with Mortgage Allies does not guarantee mortgage approval, lender acceptance, a specific interest rate, mortgage amount, product, term, renewal offer, refinance approval, or any other financing outcome.

Any mortgage approval, rate, term, or condition may depend on lender review, underwriting, credit assessment, property review, income verification, documentation, market conditions, and other factors outside our control.

You agree that any information you provide to Mortgage Allies, including through application forms, contact forms, renewal forms, phone calls, emails, SMS messages, or document uploads, will be accurate, complete, and current to the best of your knowledge.

You authorize Mortgage Allies to use the information you submit to respond to your inquiry, prepare for calls, assist with mortgage-related services, communicate with you, and, where applicable, help prepare or support a mortgage application or renewal request.

Mortgage Allies may be unable to provide services or proceed with a request if required information is incomplete, inaccurate, or withheld.

Your use of the Service and submission of personal information are also governed by our Privacy Policy. Our Privacy Policy explains how Mortgage Allies collects, uses, stores, protects, and shares personal information, including mortgage application details, contact information, employment information, income, assets, liabilities, property details, and other financial information.

By submitting a form or otherwise providing information to Mortgage Allies, you consent to Mortgage Allies collecting, using, storing, and, where necessary, sharing that information to respond to your inquiry, prepare for your call, assist with mortgage-related services, and communicate with you. Please review our Privacy Policy here: https://mortgageallies.ca/privacy-policy/.

By providing your contact information, you authorize Mortgage Allies to contact you about your inquiry, application, renewal, refinance, documents, appointment, or related mortgage service request by phone, email, SMS, or other communication methods you provide.

Marketing communications, where applicable, will be handled separately from service-related communications and may be subject to additional consent and unsubscribe options.

Mortgage Allies may send SMS messages for loan application updates, support conversations, mortgage inquiries, appointment scheduling, document requests, and follow-up communication. These messages are service-related and are not promotional or marketing messages.

You may opt in to SMS messages by submitting a form that includes your mobile number and SMS consent, or by texting START to +1 365 777 3301.

By opting in, you consent to receive SMS messages from Mortgage Allies. Message and data rates may apply. Message frequency varies depending on your interaction with Mortgage Allies and the status of your mortgage application or service request.

Reply HELP for help. You may also contact Mortgage Allies through our website at https://mortgageallies.ca/contact/.

Reply STOP to unsubscribe from SMS messages at any time.

Mobile phone numbers and SMS opt-in information will not be shared, sold, rented, or transferred to third parties for marketing or promotional purposes.

Privacy Policy: https://mortgageallies.ca/privacy-policy/

The Service and its contents, including text, images, graphics, logos, design elements, and code, are owned by Mortgage Allies or its licensors and are protected by copyright, trademark, database, and other intellectual property laws.

You may view, download, or print portions of the Service for your own personal, non-commercial use only. Any other use, reproduction, modification, distribution, or republication is prohibited unless Mortgage Allies gives prior written permission.

The Service may contain links to third-party websites or services that are not owned or controlled by Mortgage Allies. Mortgage Allies has no control over and assumes no responsibility for the content, privacy policies, terms, or practices of any third-party websites or services.

We encourage you to review the terms and privacy policies of any third-party websites or services you visit.

You agree to indemnify, defend, and hold harmless Mortgage Allies and its principals, officers, directors, representatives, employees, contractors, licensors, licensees, suppliers, and agents from and against any claims, losses, damages, obligations, costs, actions, or demands, including legal and accounting fees, arising from your use of the Service, your breach of these Terms, or anything you submit, post, or upload through the Service.

To the fullest extent permitted by law, Mortgage Allies and its directors, employees, partners, agents, suppliers, and affiliates will not be liable for any direct, indirect, incidental, special, consequential, punitive, or economic loss or damage arising from your access to or use of the Service, your inability to access or use the Service, third-party conduct or content, content obtained through the Service, or unauthorized access to, use of, or alteration of your transmissions or content.

The Service is provided on an “as is” and “as available” basis. Mortgage Allies makes no guarantees, representations, or warranties of any kind regarding the website, related technology, or availability of the Service, except where required by applicable law.

Mortgage Allies does not warrant that the Service will be uninterrupted, secure, error-free, available at any particular time or location, free of viruses or harmful components, or that any defects will be corrected.

If you breach these Terms and Mortgage Allies does not immediately act, Mortgage Allies does not waive any rights or remedies and may still act at a later time.

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of certain damages, so some limitations in these Terms may not apply to you. Applicable provincial and federal laws of Canada may apply to the Service.

These Terms are governed by and interpreted in accordance with the laws of the Province of Ontario and the laws of Canada, as applicable.

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in effect.

We may modify or replace these Terms at any time. If a change is material, we will make reasonable efforts to provide notice before the new terms take effect. By continuing to access or use the Service after changes become effective, you agree to be bound by the revised Terms.

1. Eligibility: This campaign is open to individuals who refer new clients to Mortgage Allies. Referrals must be new clients who have not previously engaged with Mortgage Allies for any services.
2. Reward Details: A Tim Hortons voucher may be awarded for each referral that successfully converts into a Mortgage Allies client. The voucher is currently valued at $25 but is subject to change at any time at the discretion of Mortgage Allies. Vouchers are awarded solely at Mortgage Allies’ discretion and may be issued at a time determined by Mortgage Allies. The referred client must confirm that they were referred by the referrer for the voucher to be awarded.
3. Campaign Duration: This referral campaign is valid until further notice. Mortgage Allies may modify or end the campaign at any time without prior notice.
4. Limitations: Only one reward is available per referred client. Multiple referrals of the same individual will not result in multiple rewards. Mortgage Allies may verify eligibility and disqualify any referral that does not meet the campaign criteria.
5. General Terms: Participation in the referral campaign constitutes agreement to these referral terms. Mortgage Allies may alter, amend, cancel, modify voucher value, and set timing and conditions of voucher issuance at its discretion.

If you have questions about these Terms, please contact us.