Terms and Conditions - RateMinder.ca Last Updated: December 3, 2024
Agreement to Terms
By accessing or using RateMinder.ca ("the Service"), you agree to be bound by these Terms and Conditions ("Terms"). These Terms constitute a legal agreement between you and RateMinder.ca, operated in Canada. If you disagree with any part of these Terms, you may not access the Service.
Services Description
RateMinder.ca provides mortgage rate monitoring and notification services. We do not provide mortgage brokerage services, financial advice, or lending services. The information provided through our Service is for informational purposes only.
User Responsibilities
You agree to:
Provide accurate and complete information
Maintain the security of your account credentials
Notify us immediately of any unauthorized access
Use the Service in compliance with applicable laws
Not attempt to disrupt or compromise the Service
Not use the Service for unlawful purposes
Financial Information Disclaimer
Our rate information:
Is provided for general informational purposes only
Does not constitute financial advice
May not be current or accurate at all times
Should be verified with financial institutions directly
Is not a guarantee of mortgage approval or rates
Intellectual Property
All content on RateMinder.ca, including but not limited to text, graphics, logos, and software, is our property and is protected by Canadian intellectual property laws.
User Content
By submitting information to our Service, you:
Grant us the right to use and store such information
Represent that you own or have permission to share such information
Accept responsibility for the accuracy of provided information
Limitation of Liability
To the maximum extent permitted by law:
We provide the Service "as is" without warranties
We are not liable for any indirect, incidental, or consequential damages
Our total liability shall not exceed the amount paid by you for the Service
We are not responsible for decisions made based on our information
Indemnification
You agree to indemnify and hold RateMinder.ca harmless from any claims resulting from:
Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Termination
We may terminate or suspend your access to the Service:
For violations of these Terms
At our sole discretion without notice
If required by law or regulation
Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Service. Continued use constitutes acceptance of changes.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of Canada and the province of [Province]. Any disputes shall be subject to the exclusive jurisdiction of Canadian courts.
Privacy
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
Third-Party Links
Our Service may contain links to third-party websites. We are not responsible for the content or practices of any linked websites.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.
Electronic Communications
By using the Service, you consent to receive communications from us electronically and agree that all agreements and notices satisfy any legal requirement to be in writing.
Contact Information
For questions about these Terms, please contact: RateMinder.ca [Address] Email: [email protected] Phone: [Phone Number]
Consumer Protection
Nothing in these Terms affects your rights under applicable Canadian consumer protection laws.
Language
In accordance with the requirements of Quebec law, the parties hereby confirm their request that these Terms as well as all other related documents be drawn up in English.
By using RateMinder.ca, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.