Terms of Service

1. Acceptance of these Terms

By accessing or using this website, submitting a form, contacting us, or using any online feature provided by HopeWell Mortgages, you agree to these Terms of Service and our Privacy Policy.

If you do not agree with these Terms, do not use the website or submit information through our forms.

2. About HopeWell Mortgages

HopeWell Mortgages is an Ontario mortgage brokerage. We assist clients with mortgage brokerage services and related financing inquiries, including residential mortgages, private mortgages, refinancing, commercial mortgages, business financing, and other mortgage-related solutions.

3. Website information is not a mortgage approval

Information on this website is provided for general informational and marketing purposes only. It is not a mortgage approval, lender commitment, financial advice, legal advice, tax advice, appraisal, or guarantee of financing.

Any examples, statements, tools, calculators, estimated payment information, rate references, approval timelines, loan-to-value references, or mortgage scenarios are general in nature. Actual approval, rate, term, payment, lender fee, broker fee, loan amount, closing conditions, and availability depend on lender review, borrower qualifications, property value, credit, income, equity, location, title, appraisal, documentation, and other underwriting criteria.

4. No guarantee of approval, rate, or funding

Submitting a form or speaking with HopeWell Mortgages does not guarantee that you will be approved for a mortgage, receive a specific rate, receive a specific loan amount, receive a specific term, or obtain funding by a particular date.

Private mortgage, alternative mortgage, refinance, commercial mortgage, and business financing solutions may involve higher costs, lender fees, broker fees, legal fees, appraisal fees, administration costs, discharge costs, and other charges. Any financing option must be reviewed carefully before proceeding.

5. Mortgage brokerage relationship

Use of this website does not, by itself, create a broker-client relationship, lender-borrower relationship, fiduciary relationship, or formal engagement with HopeWell Mortgages. A formal relationship may require additional documentation, consents, disclosures, verification, and acceptance by HopeWell Mortgages and/or a lender.

We may decline to proceed with any inquiry or file at our discretion, including where information is incomplete, inaccurate, outside our service area, outside lender criteria, suspected to be fraudulent, or otherwise unsuitable.

6. Eligibility and Canada-only form submissions

Our online forms are intended for individuals and businesses in Canada. We may block or reject form submissions from outside Canada. If you are located in Canada but cannot submit a form, please call us directly.

7. Your responsibilities when submitting information

When you submit a form, contact us, or provide information, you agree that:

• The information you provide is accurate, complete, and not misleading
• You will not impersonate another person
• You will not submit false, abusive, harassing, threatening, or fraudulent content
• You have authority to provide any information submitted on behalf of another person or business
• You will promptly update us if your information changes
• You will not use the website to spam, harass, disrupt, scrape, attack, or abuse our business, staff, systems, or third parties

8. Consent to contact

By submitting a form or contacting us, you authorize HopeWell Mortgages to contact you about your inquiry using the contact information you provide, including by phone, email, text message, or similar methods.

We may send service-related messages connected to your inquiry or file. We may also send commercial electronic messages where permitted by law. You may unsubscribe from promotional messages where required by law, but we may still send non-promotional service or file-related communications.

9. Credit checks and third-party verification

Submitting a website form does not automatically authorize a credit bureau inquiry. If a credit check, identity verification, lender application, or formal underwriting step is required, we may ask for additional authorization, documentation, or consent.

You agree that lenders, insurers, appraisers, lawyers, credit bureaus, title insurers, service providers, and other transaction parties may require their own consents, documentation, fees, and terms.

10. Third-party lenders and service providers

HopeWell Mortgages may work with banks, credit unions, trust companies, mortgage investment corporations, private lenders, alternative lenders, commercial lenders, administrators, appraisers, lawyers, insurers, and other third parties.

We are not responsible for the acts, omissions, decisions, underwriting criteria, pricing, fees, delays, approvals, denials, or requirements of third-party lenders or service providers.

11. Website security and anti-abuse controls

To protect our business, clients, website, and staff, we use server-side security controls on form submissions. These may include Canada-only submission rules, VPN/proxy/Tor/high-risk network detection, duplicate IP submission controls, honeypot fields, IP hashing, logging, and other abuse-prevention measures.

We may block, reject, rate-limit, or ignore traffic or submissions that appear to be abusive, fraudulent, automated, harassing, excessive, from a high-risk network, or otherwise inconsistent with these Terms.

You agree not to bypass or attempt to bypass these controls, including through VPNs, proxies, Tor, automation, multiple identities, false submissions, or similar methods.

12. Prohibited uses

You may not use the website to:

• Submit false, misleading, abusive, harassing, or fraudulent information
• Interfere with the website’s operation or security
• Attempt unauthorized access to any system, account, server, database, or network
• Use bots, scrapers, crawlers, or automated tools without permission
• Reverse engineer, copy, scrape, or reproduce website content except as permitted by law
• Upload malware or harmful code
• Violate any applicable law or regulation
• Misrepresent your identity, location, authority, income, property, business, or financial situation
• Harass, threaten, defame, or abuse HopeWell Mortgages, its staff, agents, clients, or service providers

13. Intellectual property

The website, branding, logo, text, layout, graphics, design, content, images, code, and other materials are owned by or licensed to HopeWell Mortgages, unless otherwise stated.

You may view the website for personal, non-commercial purposes. You may not copy, reproduce, modify, distribute, sell, scrape, frame, or exploit the website or its content without prior written permission, except as permitted by law.

14. Calculators, tools, and estimates

Any mortgage calculator, estimate, rate example, payment example, or financial tool on the website is provided for general illustration only. It may not include all fees, taxes, lender charges, insurance, legal costs, appraisal fees, discharge penalties, compounding, prepayment terms, or other costs.

Do not rely on calculators or website estimates as final financing terms. Always review formal lender documents, disclosure documents, and legal documents before making a decision.

15. No professional legal, tax, or investment advice

HopeWell Mortgages provides mortgage brokerage services, not legal, tax, investment, accounting, or appraisal advice. You should consult appropriate professionals for legal, tax, accounting, appraisal, insurance, investment, estate, or business advice.

16. Availability and errors

We try to keep the website available, accurate, and up to date, but we do not guarantee that the website will be uninterrupted, secure, error-free, or free of outdated information.

We may change, suspend, remove, or update website content, forms, tools, pages, offers, eligibility language, or these Terms at any time without notice.

17. Privacy

Your use of the website and submission of information are also governed by our Privacy Policy. Please review it carefully to understand how we collect, use, disclose, protect, and retain personal information.

18. Third-party links and services

The website may link to third-party websites, platforms, or services. We are not responsible for third-party content, policies, security, representations, or practices.

19. Limitation of liability

To the maximum extent permitted by law, HopeWell Mortgages and its directors, officers, employees, agents, contractors, service providers, and affiliates will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to your use of the website, inability to use the website, reliance on website information, form submissions, third-party services, website interruptions, or security events.

Nothing in these Terms limits liability that cannot legally be limited.

20. Indemnity

You agree to indemnify and hold harmless HopeWell Mortgages and its directors, officers, employees, agents, contractors, service providers, and affiliates from claims, losses, damages, liabilities, costs, and expenses arising from your misuse of the website, breach of these Terms, false or misleading submissions, violation of law, or infringement of third-party rights.

21. Governing law

These Terms are governed by the laws of Ontario and the applicable laws of Canada. Any dispute relating to the website or these Terms will be addressed in the courts or tribunals of Ontario, unless applicable law requires otherwise.

22. Regulatory and complaint information

HopeWell Mortgages is an Ontario mortgage brokerage. If you have a concern about our services, please contact us first so we can review and respond to the issue.

You may also have the right to contact applicable regulators or authorities, including the Financial Services Regulatory Authority of Ontario, depending on the nature of your concern.

23. Changes to these Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the website after updates are posted means you accept the updated Terms.

24. Contact us

If you have questions about these Terms, contact: