Terms and Conditions



This agreement (”Agreement“) between You and MortgageBrokersAndAgents.com (”the Author” or “Authors“) consists of these MortgageBrokersAndAgents.com (the “the Website“) Terms of Use (”Terms“). “You“, “Reader” or “Commenter” means any entity identified by its comments, e-mail, registration information or IP address. If You use this Website on behalf of your employer, organization or company, they shall also be bound by the terms of this Agreement.


When You post content such as a comment, the Authors are automatically notified and receive IP, WHOIS, and e-mail information pertaining to the Commenter. This information is not stored by the Authors for other purposes than to moderate contributed content. This information is not being sold or used for other purposes. If you have concerns with the way this information is used, please contact the Authors directly to arrange for complete removal of this information. Removal of all personal information will result in the removal of any content the Commenter might have contributed to this Website. This Website is hosted in the United States. Be aware that laws regarding personal information and privacy may differ from Your location.


All the contents of the Website/Blog, EXCEPT FOR COMMENTS, constitute the opinion of the Authors, and the Authors alone; they do not represent the views and opinions of the Authors’ employers, supervisors, nor do they represent the view of organizations, businesses or institutions the Authors are a part of. The Website/Blog is entirely written in English. The content of the Website/Blog is not intended to cause harm, but if You have any concerns about the contents of the Website/Blog, please contact the Authors. Disagreeing with the content of the Website/Blog does not constitute sufficient ground for You to ask the Authors to remove or modify any parts of the Website/Blog.


Copyright Policy
All the text, images and other content being part of this Website is property of the Authors, unless noted otherwise. All logos and trademarks are property of their respective owners. You are not allowed to reproduce, sell, or modify any part of this Website. You are welcome to link to this Website, and to discuss its contents in a respectful manner. When You quote or link to this Website, please include the Website’s name in your link. You are not authorized to use this content for personal profit. UNAUTHORIZED COPYING, REPRODUCTION, MODIFICATION, REPUBLISHING, UPLOADING, POSTING, TRANSMITTING OR DUPLICATING OF ANY OF THE MATERIAL IS PROHIBITED. Whenever copyrighted material is mentioned or used, the Authors are doing so according to fair dealing practices. Use of material from this Website according to fair dealing practices requires proper acknowledgment. Simply linking back to the Website is not considered proper acknowledgment; please provide a link including the Author’s name, the name of the page you are linking, and a permanent link (”Permalink“) to that page.


Comment Policy
The Authors are not responsible for the content of any comments made by the Commenter(s). The Authors are also not responsible for knowing whether the content of Your comment is breaking the law in other countries or jurisdictions. The Blog/Website is a venue for discussion; therefore, the Authors will not delete critical comments, or comments portraying a different opinion from the Authors’ own. However, the Authors reserve the right to edit, delete, or not publish a comment if this is deemed to be potentially illegal (this includes, but it is not limited to comments containing hateful, libelous, and defamatory content). All comments on the Blog/Website have to be written in English. Please do not endanger Yourself or break the law when you comment. Comments intending to advertise and/or distribute off-topic (”SPAM“) will be deleted. The Authors also reserve the right to block Commenter(s) who have previously published offensive comments, illegal content, or SPAM.


Forbidden Actions
You are not authorized to (i) use this Website to advertise for products of any kind and for other Websites, (ii) to infringe the Copyright policy and Comment policy of this Website, (iii) to attack this Website using malicious software and/or use this Website for data mining, (iv) to commit any illegal actions while using the Website, or against this Website, (v) to restrict access to this Website, (vi) to impede the normal functioning of this Website and (vii) to menace the Authors with, or cause physical or financial harm to, the Authors of this Website.


Changes to the Terms
The Authors reserve the right to change these Terms at any time. You will only be notified by the Blog/Website through posts or syndicated content (RSS), NOT IN PERSON. It is Your responsibility to make sure that you agree with the new Terms, whenever changes have been announced. Changes to the Terms will be effective 48 hours after the notice has been posted on the Blog/Website. If You do not agree with the Terms, DO NOT USE THIS WEBSITE.


No Guarantee
The Authors make no guarantee regarding the validity of the content of the Blog/Website. In addition, the Authors do not guarantee that the Website will be accessible at all times or during any down time (i) caused by outages to any public Internet backbones, networks or servers, (ii) caused by any failures of Your equipment, systems or local access services, (iii) for previously scheduled maintenance or (iv) relating to events beyond the Authors’ control such as strikes, riots, fires, floods, explosions, war, terrorism, governmental action, labor conditions, natural and/or man-made disasters, or interruptions in Internet services to an area where the Authors’ or Your servers are located. Although the Authors will try to moderate comments quickly, the Authors make no guarantee to the Commenter that their comments or trackbacks will be displayed promptly, without modifications, or that they will be displayed at all, as all comments will be published at the discretion of the Authors.


No Warranty or Condition; Links
The Authors make NO WARRANTY OF ANY KIND. If you choose to access the Website, you do so AT YOUR OWN RISK. To the extent links and external content are based on or displayed in connection with the Website, THE AUTHORS SHALL NOT HAVE ANY LIABILITY IN CONNECTION WITH THE DISPLAY OF SUCH LINKS AND SEARCH RESULTS, whether this external content is breaking the law in this or other jurisdictions. YOU AGREE TO USE THE WEBSITE AT YOUR OWN RISK.


Limitations of Liability
IN NO EVENT SHALL THE AUTHORS BE LIABLE UNDER THIS AGREEMENT FOR ANY DAMAGES OR LOSSES, AND THE AUTHORS’ LIABILITY TO YOU UNDER THIS AGREEMENT FOR ANY CLAIM IS LIMITED TO THE GROSS MONTHLY AMOUNT PAID BY THE AUTHORS FOR HOSTING SERVICES DURING THE ONE MONTH PERIOD IMMEDIATELY FOLLOWING THE DATE OF THE CLAIM. Each party acknowledges that the other party has entered into this Agreement relying on the limitations of liability stated herein and that those limitations are an essential part of the Agreement. Without limiting the foregoing, the Authors shall not have any liability for any failure or delay resulting from any condition beyond the reasonable control of the Authors, including but not limited to governmental action, labor conditions, power failures, natural and/or man-made disasters. The Authors are not liable for the content of any comments the Commenter might leave on the Blog/Website (see Comment policy).


Obligation to Indemnify
You agree to indemnify, defend and hold the Authors, their agents, and applicable third parties (collectively “Indemnified Person(s)“) blameless from and against any and all third party claims, liability, loss, and expense (including damage awards, settlement amounts, and reasonable legal fees, brought against any Indemnified Person(s), arising out of, related to or which may arise from Your use of this Website and/or Your breach of any term of this Agreement.


Applicable Laws; Venue
The Authors operate this Website from Canada, and make no representations that materials in this Website are appropriate or available for use in other locations. Access to this Website from any location where the content is illegal is prohibited. Any claim related to the use of this Website or to the Website materials shall be governed by the laws of Canada. Any action related to the access, use, content, or existence of this Website shall be filed only in the appropriate court located within Canada. The use of this Website constitutes Your express permission and consent to the jurisdiction of the state and/or federal courts of Canada for purposes of such actions.


Legal Notices and Contact Information
If You are intending to carry out legal action of any kind against the Website or the Authors, you are required to contact the Authors SEVEN BUSINESS DAYS before any legal claim is made. Please remember that the Authors mean to DO NO HARM to You or anyone else through this Website. If You feel that your rights have been infringed, please contact the Authors, and allow seven business days for the reply to be received.