Terms of Service

1. Acceptance of terms

By accessing or using MortgageRenewPath.ca (“the site”), you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the site. We may change these terms; the updated date above will reflect material revisions.

2. No financial or mortgage advice

The information provided is for educational purposes and is not professional financial or mortgage advice.

Nothing on this site is an offer of credit, a pre-approval, or an agreement. Mortgages, renewals, and debt strategies depend on your full application, property, regulatory rules, and lender policies. Always consult a licensed mortgage professional or other qualified advisor before making decisions.

3. Estimates only

Calculators, scenarios, and commentary are simplified models. They may omit taxes, insurance, fees, penalties, lender-specific underwriting, insured vs. uninsured rules, and other material factors. Outputs are not guarantees of qualification, rates, or payments.

4. Limitation of liability (rates and accuracy)

Interest rates, stress-test benchmarks, and lender-specific rules changeand may differ from the assumptions shown in the tool (for example, your “expected renewal rate” or illustrative B-Lender spreads). We do not warrant that any rate, ratio, or payment shown on the site matches what a lender will offer or approve at the time you apply.

To the fullest extent permitted by applicable law, MortgageRenewPath.ca and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the site, reliance on estimates, or interactions with third-party sites—including errors or delays in rates, calculations, or content.

Some jurisdictions do not allow certain limitations; in that case, our liability is limited to the maximum extent permitted by law in your province or territory.

5. Third parties and affiliates

The site may link to third parties (including financial institutions or comparison services). Those links are provided for convenience. We do not control third-party sites and are not responsible for their content, products, or privacy practices. We may receive compensation when you use certain links, as described on the site.

6. Acceptable use

You agree not to misuse the site—for example, by attempting to disrupt service, scrape content in violation of law or our technical controls, or use the site for unlawful purposes.

7. Intellectual property

Text, layout, branding, and original materials on the site are protected by intellectual property laws. You may not copy or redistribute them for commercial use without prior written permission, except as allowed by law.

8. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law rules. Courts in Ontario shall have exclusive jurisdiction, subject to mandatory consumer protection rules that may apply where you reside.

9. Contact

For legal or privacy inquiries, use the contact method provided on the site by the operator of MortgageRenewPath.ca.