Please read these Terms of Service carefully before using the Team Mortgage Professor website or engaging our services. By accessing our website or submitting any form, you agree to be bound by these terms.
About these terms
These Terms of Service govern your use of the Team Mortgage Professor website located at themortgageprofessor.ca and your engagement with the mortgage brokerage services provided by Tim Matlo and Team Mortgage Professor. These terms apply to all visitors, users, and anyone who contacts us through our website or forms.
Our services
Team Mortgage Professor provides mortgage brokerage services including mortgage advice, application assistance, lender sourcing, and related financial guidance. Tim Matlo is a licensed mortgage broker operating in Alberta, British Columbia, and Ontario.
Our services include:
- Mortgage pre-approval and qualification assessment
- Mortgage application submission to lenders
- Advice on mortgage products, rates, and terms
- Debt consolidation and refinancing guidance
- Mortgage renewal assistance
No guarantee of approval
While we work diligently to find mortgage solutions for our clients, we cannot guarantee that any mortgage application will be approved by a lender. Approval is subject to the underwriting criteria and decisions of individual lenders, which are outside our control. Our assessment of your situation is not a guarantee of financing.
Information accuracy
The information provided on this website is for general informational purposes only and does not constitute financial, legal, or investment advice. Mortgage rates, products, and eligibility criteria change frequently. While we make every effort to keep information current, we make no representations or warranties about the accuracy, completeness, or timeliness of any content on this website.
You should not rely solely on information found on this website when making financial decisions. We encourage you to speak directly with one of our brokers for advice specific to your situation.
Your responsibilities
When engaging our services, you agree to:
- Provide accurate, complete, and truthful information about your financial situation
- Notify us promptly of any changes to your circumstances that may affect a mortgage application
- Not misrepresent your income, assets, debts, employment, or any other material facts
- Use our website and services only for lawful purposes
Providing false or misleading information in connection with a mortgage application is a serious matter that may constitute mortgage fraud, which is a criminal offence in Canada.
Third party lenders
We work with a network of lenders including banks, credit unions, monoline lenders, and alternative lenders. We are not agents or employees of any lender. Our role is to act as an intermediary between you and potential lenders. The terms, conditions, and decisions of any lender are entirely their own and are not within our control.
Fees
In most residential mortgage transactions, our brokerage fees are paid by the lender and there is no direct cost to you. In some situations, such as certain private or alternative lending transactions, a broker fee may apply. We will always disclose any fees to you in advance and obtain your written consent before proceeding.
Website use
You agree not to:
- Use our website in any way that violates applicable laws or regulations
- Attempt to gain unauthorized access to any part of our website or systems
- Submit false, misleading, or fraudulent information through any form on our website
- Use our website to transmit unsolicited communications or spam
- Copy, reproduce, or distribute any content from our website without our express written permission
Intellectual property
All content on this website including text, graphics, logos, and images is the property of Team Mortgage Professor or its content suppliers and is protected by Canadian copyright law. You may not reproduce, distribute, or create derivative works from any content on this website without our prior written consent.
Limitation of liability
To the maximum extent permitted by applicable law, Team Mortgage Professor and Tim Matlo shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our website or services, including but not limited to loss of income, loss of opportunity, or financial loss resulting from a mortgage application that is declined or results in terms different from those anticipated.
Our total liability to you for any claim arising from our services shall not exceed the fees actually paid by you to us in connection with the specific transaction giving rise to the claim.
Governing law
These Terms of Service are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Alberta.
Changes to these terms
We reserve the right to update these Terms of Service at any time. When we do, we will update the date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the updated terms.
Contact us
If you have any questions about these Terms of Service, please contact us:
- Email: tim@themortgageprofessor.ca
- Phone: +1 403 809 6262
- Location: Calgary, Alberta, Canada