Terms of Use

1. Acceptance of these Terms

By accessing or using this website, you agree to be bound by these Terms of Use and our applicable disclosures. If you do not agree, please do not use the site.

2. No Broker-Client Relationship from Site Use

Browsing this website, downloading information from it, or sending us an inquiry through a contact form, email, phone, or text does not create a broker-client relationship between you and Kyle or Landmark Mortgages.

A formal broker-client relationship is established only when both of the following occur:

• ·We have agreed in writing to act as your mortgage broker; and
• ·You have signed any required engagement, consent, or representation documents we provide.

Until that point, we are not acting on your behalf, and you should not rely on the website or our preliminary communications as broker advice specific to your situation.

3. Not Advice and Not an Offer to Lend

The information on this website is provided for general informational purposes only. It is not:

• ·a binding offer to lend or to arrange a mortgage;
• ·an offer of a specific interest rate, product, or term; or
• ·individualized financial, mortgage, legal, accounting, or tax advice.

Mortgage rates, lender guidelines, qualification rules, and government regulations change frequently and without notice. Any rates, examples, calculations, or product descriptions shown on the site are illustrative only and may not reflect what is currently available to you. Approval and final terms depend on a complete application, lender review, and a written commitment.

4. Information Accuracy

We make reasonable efforts to keep the information on this website current and accurate. However, the site is provided on an “as is” and “as available” basis. We make no warranties or representations, express or implied, regarding accuracy, completeness, reliability, or fitness for any particular purpose. You should verify any information that matters to your decisions before relying on it.

5. External Links and Embedded Content

This website may contain links to third-party websites or display embedded content from third parties (for example, Google reviews, lender websites, calculators, social media, or videos). We do not control these third parties and are not responsible for their content, accuracy, privacy practices, terms of use, or availability. Links are provided for convenience only and do not imply endorsement.

6. Intellectual Property

Unless otherwise noted, all content on this website (including text, graphics, layout, photography, and design) is owned by or licensed to Landmark Mortgages and is protected by Canadian and international copyright laws. You may view and print pages for personal, non-commercial use. Any other use, including reproduction, modification, distribution, or republication, requires our prior written permission.

Third-party trademarks, logos, and brand names that appear on the site (including lender logos and the BRX Mortgage name and mark) are the property of their respective owners and are used for identification purposes only. Their appearance on this site does not imply any sponsorship, endorsement, or affiliation beyond what is expressly stated.

7. Limitation of Liability

To the fullest extent permitted by law, Landmark Mortgages, Kyle, and any affiliates, agents, or contributors are not liable for any direct, indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your access to or use of (or inability to access or use) this website or any information on it, even if we have been advised of the possibility of such damages.

Nothing in these Terms limits any rights you may have under applicable consumer protection legislation in British Columbia or Alberta that cannot be lawfully limited or excluded.

8. Changes to these Terms

We may update these Terms of Use at any time, without notice, by posting a revised version on this page. The “Last updated” date at the top reflects the most recent change. Your continued use of the site after changes are posted constitutes your acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in British Columbia. You agree that any dispute arising from your use of this website will be resolved in the courts of British Columbia, without regard to conflict-of-laws principles.

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