1. Acceptance of Terms

By accessing or using this website (“Website”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this Website.

These Terms govern your use of the Website and any services provided by The Financing Factory (“we,” “us,” or “our”).

2. About Our Services

The Financing Factory provides mortgage brokerage and commercial financing services across Canada through licensed mortgage professionals operating under 8Twelve Mortgage Corporation.

Services may include, but are not limited to:

    • Mortgage consultations
    • Residential mortgage services
    • Commercial financing assistance
    • Mortgage refinancing guidance
    • Loan and lender comparisons
    • Mortgage pre-qualification assistance
    • Financial information collection for lending purposes

All mortgage services are subject to applicable Canadian laws and lender approval requirements.

3. No Guarantee of Approval

Submitting information through this Website does not guarantee:

    • Mortgage approval
    • Financing approval
    • Interest rates
    • Loan terms
    • Qualification eligibility

All financing decisions are made solely by third-party lenders and financial institutions based on their own criteria.

4. Eligibility

By using this Website, you represent that:

    • You are at least the age of majority in your province or territory;
    • The information you provide is accurate and truthful;
    • You are legally permitted to enter into binding agreements under Canadian law.

You agree not to use this Website for unlawful, fraudulent, or misleading purposes.

5. Information You Provide

You may be asked to provide personal and financial information, including:

    • Name
    • Contact details
    • Employment information
    • Income details
    • Credit information
    • Property details
    • Financial documentation

You agree that all information submitted is accurate and complete.

Providing false or misleading information may result in denial of services and may be reported where required by law.

6. Consent to Information Sharing

By submitting information through this Website, you consent to The Financing Factory and 8Twelve Mortgage Corporation:

    • Collecting your information for mortgage and financing evaluation;
    • Sharing your information with lenders, financial institutions, insurers, service providers, and credit reporting agencies as necessary to evaluate financing eligibility;
    • Contacting you regarding mortgage and financing opportunities.

Your information will be handled in accordance with our Privacy Policy and applicable Canadian privacy laws, including PIPEDA.

7. No Financial or Legal Advice

Information provided on this Website is for general informational purposes only and does not constitute:

    • Financial advice
    • Legal advice
    • Tax advice
    • Investment advice

You should consult qualified professionals, including lawyers, accountants, and financial advisors, before making financial or legal decisions.

8. Third-Party Services and Links

This Website may contain links to third-party websites, tools, lenders, or service providers.

We do not control and are not responsible for:

    • Third-party content
    • Privacy practices
    • Availability of external websites
    • Services offered by third parties

Your interactions with third-party services are governed by their own terms and policies.

9. Intellectual Property

All content on this Website, including text, graphics, logos, branding, and design elements, is the property of The Financing Factory or its licensors and is protected by applicable copyright and intellectual property laws.

You may not:

    • Copy
    • Reproduce
    • Modify
    • Distribute
    • Republish

any content without prior written permission.

10. Website Availability

We make reasonable efforts to keep the Website operational and accurate but do not guarantee uninterrupted access or error-free functionality.

We reserve the right to:

    • Modify or discontinue services;
    • Update content;
    • Restrict access to parts of the Website at any time without notice.

11. Disclaimer of Warranties

This Website and its services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

We do not warrant that:

    • The Website will be uninterrupted or error-free;
    • Information provided is always current or accurate;
    • Any financing outcomes will occur.

To the fullest extent permitted by law, all implied warranties are disclaimed.

12. Limitation of Liability

To the maximum extent permitted under applicable law, The Financing Factory, 8Twelve Mortgage Corporation, and their affiliates, agents, employees, and representatives shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

    • Use of this Website;
    • Reliance on information provided;
    • Financing decisions made by lenders;
    • Unauthorized access to information;
    • Technical issues or interruptions.

Your sole remedy for dissatisfaction with the Website is to discontinue use.

13. Indemnification

You agree to indemnify and hold harmless The Financing Factory, 8Twelve Mortgage Corporation, and their affiliates from any claims, damages, liabilities, or expenses arising from:

    • Your use of the Website;
    • Your violation of these Terms;
    • Your submission of false or misleading information.

14. Privacy

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, store, and disclose personal information.

15. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to conflict of law principles.

Any disputes arising from these Terms or use of the Website shall be resolved in the courts located in Ontario, Canada.

16. Changes to These Terms

We may update these Terms at any time without prior notice.

Updated versions will be posted on this page with a revised effective date. Continued use of the Website constitutes acceptance of the updated Terms.