Legal Terms of Use

If you access and use this website (the “Site”) you accept and agree to be bound and comply with the terms and conditions (the “Terms”) as set out below. If you do not accept the Terms, do not use the Site.

This Site is operated by™ Inc. for your own lawful personal entertainment, information, education and communication. The products and services offered through the Site are offered by™ Inc., its employees or agents. You are granted permission to download material displayed on the Site for non-commercial, personal use only provided that you also retain all the copyright and other proprietary notices contained in the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio and video without the permission of™ Inc.

Terms and Conditions

  1. When viewing this Site you should assume that everything you see or read is protected by copyright unless otherwise noted and may not be used except as provided by the Terms or without the written permission of™ Inc.™ Inc. does not warrant or represent that the use of the materials displayed on this Site will not infringe the rights of third parties.

  2. Although™ Inc. uses reasonable efforts to include accurate and up-to-date information on the Site, it makes no warranties or representations as to its accuracy. As such, it assumes no liability or responsibility for any errors or omissions in the content of the Site. Any information contained on the Site may be changed or up-dated without notice. Further,™ Inc. may also make improvements or changes in the products, services and programs displayed and described within the Site and within in this information at any time without notice.

  3. Any use of or browsing of the Site is solely at your own risk and as such,™ Inc., nor any other party involved in creating, producing or delivering this Site, is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to use of this Site. Further, without limiting the foregoing, everything provided on this Site to you is provided “AS IS” without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement.™ Inc. assumes no responsibility and shall not be liable for any damages to or virus that may infect your computer equipment or other property on account of your access to, use of or browsing of the Site or your downloading of any materials, data, text, images, video or audio from the Site.

  4. Any transmitted communication and material to the Site by yourself through electronic mail or otherwise, including any data, questions, comments, suggestions or any other communication will be treated as non-confidential and non-proprietary. Therefore, your transmission or communication may be used by™ Inc. for any purpose which may include, but is not limited to, the production, disclosure, translation, publication, broadcast and posting. Further,™ Inc. is free to use any ideas, concepts, know-how or techniques that may be contained in such communication that you may send to the Site for any purposes whatsoever including, but not limited to, developing, manufacturing and marketing products using the information without the acknowledgment or obligation of compensation to you.

  5. Any image of a person or place displayed upon the Site are either the property of or used with the permission of™ Inc. As such, the use of these images by you or anyone authorized by you is prohibited unless specifically permitted by these Terms or by specific permission provided elsewhere on the Site. Any unauthorized use of the images may violate copyright, trade-mark or the laws of privacy and the regulations and statutes to such laws.

  6. Any trade-marks, logos or services marks (the “Trade-marks”) displayed on the Site are for the exclusive use of™ Inc. Such Trade-marks may be registered, as indicated, or unregistered and nothing contained on the Site shall be construed as granting, implied or explicit, any license or right of use of the Trade-marks displayed without the written permission of™ Inc. or the Trade-mark’s owner.

  7. The content of any other Site linked to the Site have been developed by parties other than™ Inc. As such,™ Inc. is not responsible for their content and is not acting as a publisher or a disseminator of the material contained on other sites. The linking and book-marking to any other off-site pages from the Site is explicitly at your own risk. Further,™ Inc. is not liable for any virus, worms, trojan horses and other items of a destructive nature which may damage your personal computer. In no event shall™ Inc. be liable to any party for direct, indirect, special or other consequential damages for any use of the Site or any other hyperlinked website including, but not limited to, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise even if™ Inc. is expressly advised of the possibility of such damages.

  8.™ Inc. provides certain forms and information for downloading from the Site as a service to its customers for their personal use exclusively. Permission is granted to customers to download these materials in relation to™ Inc. products, providing that the materials are not modified and that all copyright and other proprietary notices contained within those materials are retained. Any other use of those materials is strictly prohibited. Certain downloadable files from this Site may be the property of third parties other than™ Inc. Such files will be identified accordingly and™ Inc. supplies these files to its customers as a service within the scopes and rights as described above in this Section 8. At no time does the third party owner or™ Inc. grant any proprietary right or license to use those files. A license or right to use of these files can only be given by the owners or vendors of those files and any person who copies or otherwise uses those files shall be personally responsible for complying with the terms and conditions of use which may be established by such owner or vendor.

  9. The laws of the Province of Alberta and the laws of Canada are applicable therein and govern the interpretation and effect of this agreement.

  10.™ Inc. may at any time revise the Terms by up-dating this posting. As such, you are bound by such revisions and should therefore periodically visit this page to review the current terms which you are bound by.

The last revision date of these terms was November 17, 2005.


Please note that in certain cases we may be paid all or part of our compensation by you or by the lender investor. Alternatively, both you and the lender may pay us a portion of our compensation. It is important that you understand the fees that you may have to pay under your borrowing commitment. If you have any questions, please contact your Agent or™ Inc. through the ‘contact us’ link provided on this site.

External Privacy Statement

We, at™ Inc., recognize the importance of client privacy and the sensitivity of the personal information that we may have concerning any individual. All employees and mortgage agents of™ Inc. must adhere to the principles as set out below and we are committed to safeguarding the personal information under our control.

Your Privacy Rights

This Privacy Statement only applies to the activities of™ Inc. that are governed by the Personal Information Protection Act of Alberta and, when applicable, the Personal Information Protection and Electronic Documents Act of Canada. Further, the mortgage agents of™ Inc. are required by professional obligations to respect and ensure client confidentiality.

Why we collect Personal Information

We collect personal information for the purposes of serving the needs of individuals in relation to mortgage applications and mortgage products. We require your information to:

  1. access and assist clients in order to provide mortgage application and mortgage product assistance;
  2. administer and maintain the practice of™ Inc.;
  3. ensure that information is accurate and up-to-date;
  4. render accounts for services and collect fees and charges owing from time to time; and
  5. do such other things as otherwise authorized or required by law.

How do we collect your Personal Information

We collect personal information only by lawful and fair means and not in an unreasonably intrusive way. As far as possible, we collect your personal information directly from you at the start of our client relationship and through the course of our working relationship.

At sometimes, we may obtain personal information about you from other sources to provide services with regard to mortgage applications and mortgage products. These sources can include:

  1. your insurance company;
  2. from a government agency or registry; and
  3. your accountant.


By entering into the client relationship with™ Inc., we will assume that you consent to the collection, use and disclosure of your personal information as described in this Privacy Statement. In certain circumstances we may request your express consent which you may give orally, electronically or in writing.

However, you may withdraw your consent, in whole or in part, at any time on reasonable notice to our Privacy Officer, but such withdrawal may be limited by legal obligations existing at that time.

Disclosure of your Personal Information

Under certain circumstances, we will disclose your personal information. Examples of when your personal information may be disclosed is:

  1. if the client services we are providing requires us to give your information to third parties;
  2. if required or authorized by law to do so;
  3. if those working with or in conjunction with us require access to your personal information;
  4. if necessary to respond to an emergency that threatens the life, health or security of an individual or the public;
  5. if the information is already publicly known; or
  6. if you have otherwise consented to the disclosure.

In each case, we ensure that any third parties to whom we disclose personal information adhere to privacy policies at least as stringent as ours.

Use of your information

We will only use your personal information to provide mortgage services to you and to ensure the prompt facilitation of all related services.

We do not disclose or sell your personal information to any third party for any marketing purpose.

Accuracy of your information

You have the right to request a correction of the personal information that we hold about you. We rely on you to provide us with accurate and up-to-date personal information for the purposes of providing you with the mortgage services and to maintain contact with you. If during the course of our client relationship any of your information changes, please inform us so that we may make any necessary changes.

Protection of your Personal Information™ Inc. maintains physical, procedural and technical safeguards appropriate to the sensitivity of your personal information reasonably sufficient to prevent any loss, misuse, unauthorized access, disclosure or modification of your personal information.™ Inc. restricts access to personal information to only those employees, mortgage agents and third parties who have a need to know the personal information in the provision of mortgage services and the administration of such client relationship.

We will keep your personal information for only as long as we need it to fulfill the purposes we have identified or as required by law.

Access to your Personal Information

You may request access to the personal information we have about you. The request must be in writing and directed to™ Inc.’s Privacy Officer. We may charge a reasonable fee for retrieval and copying of your personal information. If the retrieval or copying related to your request is extensive, we will notify you of the fee prior to proceedings.

Denial of access to Personal Information

Your rights to access your personal information are not absolute. We may deny access when:

  1. required or authorized by law;
  2. granting you access would have an unreasonable impact on another person’s privacy;
  3. to protect™ Inc.’s rights and property.
  4. the request is frivolous or vexatious.

If we deny your request for access to, or refuse a request to correct personal information, we will explain why.

Changes to this Privacy Statement

From time to time,™ Inc. may revise this Privacy Statement to reflect changes in our policies and procedures or to comply with privacy legislation. When a revision is made, we will post a notice on our website and such revision will apply to any personal information collected after the posting date as well as to personal information held by™ Inc. at such time.

Contact Information

Please contact our Privacy Officer at the address below if you:

  1. wish to access your personal information;
  2. wish to change your consent regarding the manner in which we collect, use and disclose your personal information as outlined in the above Privacy Statement; or
  3. have concerns about our privacy policies or how we have handled your personal information.

Privacy Officer™
120-3221 Sunridge Way NE
Calgary AB T1Y 7M4