Terms of Service

Last updated: June 2026

1. Acceptance of These Terms

By accessing or using this website, you agree to these Terms of Service and our Privacy Policy. If you do not agree, please do not use the site. We may update these Terms from time to time, and your continued use of the site constitutes acceptance of any changes.

2. No Financial or Legal Advice

The content on this website is provided for general informational and educational purposes only. It does not constitute financial, legal, tax, or other professional advice, and it is not a substitute for personalized advice based on your individual circumstances. You should consult a qualified professional before making any mortgage or financial decision.

3. Rates, Calculators & Estimates

Any interest rates, payment figures, affordability estimates, or calculator results shown on this site are illustrative only and may not reflect current market conditions. They are not an offer of credit or a guarantee of any rate or approval. Actual rates and terms are determined by the lender and depend on your application, credit profile, and qualification. Rates and information are subject to change without notice.

4. Licensing & Regulation

Mortgage brokering services are provided by 유선영 (Daisy Yoo), a licensed 모기지 에이전트 regulated by FSRA under licence M22-002829. Rates and conditions are subject to lender approval and may vary by province and individual circumstances.

5. Accuracy of Information / No Warranty

We make reasonable efforts to keep the information on this site accurate and current, but we make no warranties, express or implied, regarding its completeness, accuracy, reliability, or availability. The site and its content are provided on an “as is” and “as available” basis.

6. Third-Party Links

This website may contain links to third-party websites or resources that we do not control. We are not responsible for the content, accuracy, or practices of any third-party site, and the inclusion of a link does not imply our endorsement.

7. Intellectual Property

Unless otherwise noted, the content, design, and materials on this website are owned by or licensed to us and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.

8. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or any information it contains.

9. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.

10. Changes to These Terms

We may revise these Terms at any time. The “Last updated” date above reflects the most recent revision. Your continued use of the site after changes are posted constitutes your acceptance of the revised Terms.

11. Contact Us

If you have questions about these Terms, please contact:

유선영 (Daisy Yoo), 모기지 에이전트
FSRA licence M22-002829
Phone: 1-416-835-8220
Email: daisyyoo94@gmail.com