Terms and Conditions

Last updated: January 29, 2026

These Terms and Conditions (“Terms”) govern your access to and use of the Burlington Mortgage Expert website (the “Website”). By using the Website, you agree to these Terms.

This Website is operated by Mackenzie Docksteader (Burlington Mortgage Expert), a licensed mortgage broker with MortgagePal (Brokerage Licence #12685), based in Burlington, Ontario, Canada.

Use of the Website

The Website provides general information about mortgage brokerage services, tools, and resources. Content is for informational purposes only and is not legal, tax, or financial advice. You should obtain professional advice tailored to your situation before making financial decisions.

We are a mortgage broker, not a lender. Rates, payments, and examples shown on the Website are illustrative and subject to change without notice. All mortgage products and approvals are subject to lender criteria, verification of information, and other conditions. Nothing on the Website is a commitment to lend.

Mortgage calculators and tools provide estimates only. Actual costs and results will vary.

Eligibility and Acceptable Use

You must be at least 18 years old to submit information through the Website. You agree to use the Website only for lawful purposes and not to:

  • Interfere with the Website or its security
  • Attempt to access systems or data you are not authorized to access
  • Submit false, misleading, or harmful information
  • Use automated tools to scrape or copy Website content

We may suspend or terminate access for misuse.

Your Submissions and Communications

If you submit information through the Website, you agree that it is accurate and complete to the best of your knowledge. You consent to us contacting you by email, phone, or SMS to respond to your inquiry and provide services. Standard message and data rates may apply.

Please do not send sensitive information (such as Social Insurance Numbers or full account numbers) through the general contact form.

The Website links to third-party services (such as scheduling tools, mortgage application portals, calculators, and external websites). Those services are governed by their own terms and privacy policies, and we are not responsible for their content or practices.

Intellectual Property

All Website content, including text, graphics, logos, and design, is owned by or licensed to us and is protected by applicable laws. You may view and print content for personal, non-commercial use only. No other use is permitted without prior written consent.

Disclaimers

The Website is provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not guarantee that the Website will be error-free, uninterrupted, or free of harmful components, or that information will be current or complete.

Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Website. Our total liability for any claim related to the Website will not exceed the amount you paid to us, if any, for use of the Website.

Indemnity

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising out of your use of the Website or violation of these Terms.

Governing Law

These Terms are governed by the laws of Ontario and the federal laws of Canada applicable therein. You agree to the exclusive jurisdiction of the courts located in Ontario for any dispute arising from these Terms or your use of the Website.

Changes to These Terms

We may update these Terms from time to time. The “Last updated” date above indicates when changes were made. Continued use of the Website after updates means you accept the revised Terms.

Contact Us

If you have questions about these Terms, contact us:

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