Mortgages For Less · INDI Mortgage
Terms of Service
Effective · Last updated
These Terms of Service (the “Terms”) govern your access to and use of our website, online mortgage calculators and tools, rate information, client portal, and related services (together, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, please do not use the Services.
Not advice & estimates only
Please read this carefully. All content on this website — including articles, rate quotes, calculators, and other tools — is provided for general information purposes only. It is not financial, legal, tax, or mortgage advice, and it does not take your personal circumstances into account.
Any rates, payments, amounts, or results shown are estimates, not offers or commitments to lend. Actual rates, terms, and approval are determined by the applicable lender and are always subject to lender approval, credit review, income and asset verification, property appraisal, and other conditions. Advertised or displayed rates can change at any time without notice and may not be available to you.
Nothing on this website creates a lending relationship or obligates any lender or brokerage to provide financing. For advice specific to your situation, please speak with one of our licensed mortgage professionals.
Online tools & calculators
Our calculators and other online tools are provided to help you explore general scenarios. Results depend on the information you enter and on assumptions built into the tools, and they may not reflect current rates, program rules, fees, taxes, or your actual qualifications.
We do not guarantee that any result is accurate, complete, or current, and no result constitutes a quote, pre-approval, or commitment to lend. You should not rely on any tool output as the basis for a financial decision without confirming the details with a licensed mortgage professional.
How we use your phone number
We will send you text messages both manually and via automation when you sign up for services from us. Examples of signups could be the following:
- Starting or submitting a mortgage application
- Registering for an informational webinar
- Scheduling an appointment with any of our team
You can cancel the SMS service at any time. Simply text “STOP” to the shortcode or phone number sending you the message. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.
If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to info@mortgagesforless.ca.
Carriers are not liable for delayed or undelivered messages. Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.
For privacy-related inquiries, please refer to our Privacy Policy.
Third-party services & links
The Services may contain links to, or integrations with, third-party websites, portals, and applications — including lenders, application portals (for example, mtg-app.com), Finmo, appointment and document-collection tools, and other providers. These third parties are independent of us.
We provide these links and integrations for convenience only. We do not control and are not responsible for the content, accuracy, security, availability, or practices of any third-party service, and a link does not imply our endorsement. Your use of any third-party service is governed by that provider’s own terms and privacy policy, which we encourage you to review. Any dealings you have with a third party are solely between you and that third party.
Client portal & accounts
Some Services let you create an account or log in to a client portal to submit an application, upload documents, or track your file. If you use an account, you are responsible for:
- keeping your login credentials confidential and secure;
- all activity that occurs under your account; and
- notifying us promptly at info@mortgagesforless.ca if you believe your account has been accessed without your authorization.
You agree to provide accurate, current, and complete information and to keep it up to date. We are not liable for any loss arising from unauthorized use of your account where that use results from your failure to safeguard your credentials.
Acceptable use
When using the Services, you agree not to:
- scrape, harvest, crawl, or use automated means to extract data from the site or portal;
- access, or attempt to access, any account, system, or data you are not authorized to access;
- interfere with, disrupt, overload, or attempt to compromise the security or integrity of the Services;
- introduce malware or any harmful code;
- use the Services for any unlawful, fraudulent, or misleading purpose, or to submit false information; or
- copy, resell, or otherwise misuse the Services or any content in a way not permitted by these Terms.
We may suspend or terminate access to the Services for any user who violates these Terms.
Intellectual property
All content on this website — including text, graphics, logos, branding, calculators and tools, layout, and design — is owned by or licensed to Mortgages For Less / INDI Mortgage and is protected by copyright, trademark, and other laws. You may view and use the content for your own personal, non-commercial use. You may not copy, reproduce, republish, distribute, modify, or create derivative works from any part of the Services without our prior written permission.
Disclaimer of warranties
The Services are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. To the fullest extent permitted by law, we disclaim all implied warranties, including any warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or that any content, rate, or calculation is accurate or current.
Limitation of liability
To the fullest extent permitted by law, Mortgages For Less / INDI Mortgage and its owners, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to your use of (or inability to use) the Services, your reliance on any content, rate, or calculator result, or your use of any third-party service — even if we have been advised of the possibility of such damages. To the extent any liability cannot be excluded, our total aggregate liability arising from or relating to the Services is limited to CAD $100. Nothing in these Terms limits any liability that cannot be limited or excluded under applicable law.
Governing law & jurisdiction
These Terms are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. You agree that the courts located in Alberta, Canada will have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Services.
Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the “Last updated” date above, and the updated Terms take effect when posted. Your continued use of the Services after changes are posted means you accept the revised Terms. We encourage you to review this page periodically.
Contact us
If you have questions about these Terms, please contact us: