Terms Of Use

TERMS OF USE & LEGAL DISCLOSURE

[INSERT LEGAL BUSINESS NAME]
Last Updated: [Insert Date]

1. Acceptance of Terms

By accessing or using this website, digital portals, artificial intelligence tools, phone assistants, document upload systems, or related services (collectively, the “Services”), you agree to be bound by these Terms of Use.

If you do not agree, do not use the Services.

2. Regulatory Status

Legal Name: [Insert Legal Business Name]
License Number(s): [Insert License Number(s)]
Regulatory Authority: [Insert Provincial Regulator]

We operate only within jurisdictions where properly licensed.

Nothing on this website constitutes a solicitation in any jurisdiction where we are not authorized to operate.

3. Informational Purpose Only – No Professional Advice

Content provided through:

• Website pages
• Calculators
• Email communications
• AI chat tools
• AI phone assistants
• Automated responses

Is for informational purposes only.

It does not constitute legal, financial, tax, or investment advice.

No broker-client relationship is formed unless confirmed in writing and subject to regulatory requirements.

You are encouraged to obtain independent professional advice.

4. Artificial Intelligence, Automated Communications & Data Containment

We may use artificial intelligence systems, automated chat assistants, automated phone assistants, transcription systems, and intake technologies (collectively, “AI Systems”) to assist with:

• Preliminary mortgage inquiries
• Administrative intake
• Appointment scheduling
• Document collection
• General product information

1. One-Way Intake Structure

AI Systems are designed solely to:

• Receive information from users
• Provide automated informational responses
• Support administrative processes

Information submitted through AI Systems:

• Is not published publicly
• Is not posted to any public forum
• Is not made visible to other users
• Is not shared in open systems
• Is not redistributed as public content

User-submitted information remains private within our internal systems and authorized service providers.

2. No Public Release or Open AI Training Use

We do not:

• Publish submitted mortgage data
• Release confidential intake information to the public
• Display user data to other website visitors
• Use identifiable client data to generate responses for unrelated users

AI Systems function solely as intake and communication tools.

3. No Warranty of Accuracy

AI Systems:

• Operate based on programmed logic and user-provided inputs
• May generate incomplete, outdated, or generalized responses
• May misinterpret complex financial scenarios
• May contain transcription inaccuracies

We make no representations or warranties, express or implied, regarding:

• Accuracy
• Completeness
• Reliability
• Availability
• Fitness for a particular purpose

of any AI-generated output.

4. Not Mortgage Advice & No Commitment Authority

AI-generated responses:

• Do not constitute mortgage advice
• Do not constitute lender approval
• Do not bind any lender
• Do not guarantee rates, approvals, or funding

Only a lender may issue a formal approval subject to underwriting.

5. User Verification Responsibility

You acknowledge and agree that:

• You are solely responsible for ensuring information you submit is accurate.
• You must independently verify any automated response before making financial decisions.
• You will not rely solely on AI-generated information when making mortgage or financial decisions.

Any reliance on automated responses is at your own risk.

6. System Limitations & Availability

AI Systems may be:

• Updated
• Modified
• Interrupted
• Temporarily unavailable
• Discontinued

Without notice.

We do not guarantee uninterrupted performance.

7. Limitation of Liability Related to AI

To the fullest extent permitted by law, we shall not be liable for:

• Reliance on AI-generated responses
• Errors arising from inaccurate user inputs
• Automated transcription inaccuracies
• Technical malfunctions
• Model limitations
• Software defects
• System interruptions

Under no circumstances shall we be liable for indirect, incidental, special, punitive, or consequential damages arising from use of AI Systems.

Nothing in this section limits statutory rights under applicable consumer protection or mortgage legislation.

• 5. Consent to Electronic Communications

• By using the Services, you consent to receive communications electronically, including:
• Email
• SMS (if applicable)
• Portal notifications
• Electronic document delivery
• You acknowledge that electronic transmission carries inherent security risks.
• You are responsible for safeguarding your own devices and login credentials.

• 6. Document Submission & Confidential Information

• Our Services may allow secure submission of:
• Identification
• Income documentation
• Bank statements
• Tax returns
• Mortgage and property documentation
• While we use reasonable security safeguards, no electronic system is completely secure.
• You acknowledge:
• You submit documents at your discretion
• You are responsible for verifying the accuracy of submissions
• Uploaded documents form part of your mortgage file

• 7. No Guarantee of Mortgage Approval

• Submission of information does not constitute:
• A mortgage approval
• A rate guarantee
• A lender commitment
• Mortgage approvals are determined solely by lenders subject to underwriting, credit, income verification, and regulatory review.
• We do not guarantee approval, rates, or funding timelines.

• 8. Third-Party Providers

• Our Services may involve third-party service providers including:
• Email delivery systems
• Cloud storage providers
• AI processing systems
• Credit reporting agencies
• Lenders and mortgage insurers
• Appraisers
• Lawyers or notaries
• We are not responsible for:
• Independent decisions of lenders
• Errors by third parties
• Service disruptions outside our control

• 9. User Responsibilities

• You agree to:
• Provide truthful, accurate information
• Not submit fraudulent documentation
• Not misuse AI tools
• Not attempt to disrupt website functionality
• Providing false or misleading information may constitute fraud and may be reported.

• 10. Limitation of Liability

• To the fullest extent permitted by law:
• We are not liable for:
• Indirect or consequential damages
• Loss of opportunity
• Decisions made by lenders
• Reliance solely on automated AI responses
• Website interruptions
• Data transmission delays
• Errors caused by inaccurate user information
• Our total liability shall not exceed any fees paid directly for services related to the claim.
• Nothing limits statutory rights where prohibited by law.

• 11. Indemnification

• You agree to indemnify and hold harmless [Insert Legal Business Name] and its representatives from claims arising from:
• Your misuse of the Services
• Your violation of these Terms
• Your submission of false or fraudulent information

• 12. Intellectual Property

• All website content, branding, design elements, and software interfaces are owned by or licensed to [Insert Legal Business Name].
• Unauthorized reproduction or distribution is prohibited.

• 13. Privacy

• Use of the Services is also governed by our Privacy Policy.

• 14. Website Modifications & Availability

• We may modify, suspend, or discontinue Services at any time without notice.
• We do not guarantee uninterrupted access.

• 15. Governing Law

• These Terms are governed by the laws of the Province of [Insert Province] and applicable Canadian law.
• Disputes shall be resolved in that jurisdiction.

• 16. Amendments

• We may update these Terms at any time.
• Continued use of the Services constitutes acceptance of revised Terms.

• 17. Contact Information

• [Insert Legal Business Name]
  [Insert Address]
  [Insert Phone Number]
  [Insert Email Address]