1. General Information Only
The information, articles, rates, tools, and content published on this website are provided solely for general informational and educational purposes. Nothing on this website constitutes a formal mortgage commitment, loan approval, or binding lending offer.
2. Transaction-Specific Mortgage Advice
Transaction-specific mortgage advice and recommendations are provided exclusively by a licensed mortgage professional (Mortgage Agent or Mortgage Broker licensed with the Financial Services Regulatory Authority of Ontario) following a personalized suitability assessment of your financial circumstances, borrowing needs, and credit profile.
3. No Legal, Tax, or Accounting Advice
GMG Broker Inc. does not provide legal, tax, financial planning, or accounting advice. Clients should consult with qualified independent legal counsel, chartered professional accountants, or tax advisors regarding the legal, tax, or estate consequences of any mortgage financing or real estate transaction.
4. No Guarantee of Approval, Rates, or Funding
Mortgage pre-approvals, rates, interest rate holds, and loan amounts displayed or discussed are not guaranteed until a formal written commitment has been issued by a lender, all underwriting conditions are satisfied in writing, and funds are disbursed by the lender.
5. Lender Qualifications & Approval
All mortgage products, interest rates, loan-to-value ratios, and terms remain On Approved Credit (O.A.C.) and are subject to individual borrower qualification, income verification, property appraisal, down payment verification, and specific lender underwriting guidelines.
6. Calculator Estimates Only
Mortgage calculation tools and payment estimators on this website use Canadian statutory semi-annual compounding formulas and default insurance tiers for illustrative purposes only. Actual payments may vary depending on final contract terms, interest rate adjustments, property tax adjustments, closing adjustments, and lender payment schedules.
7. Accuracy of Website Content
While GMG Broker endeavors to keep information current and accurate, website information may change without notice and may contain typographical errors or inaccuracies. We assume no obligation to update dated materials except as required by applicable Ontario law.
8. Third-Party Websites & Embedded Services
This website may contain links to external websites, maps, regulatory registries, or embedded third-party intake services. Third-party websites and embedded services have separate terms of use and privacy practices. GMG Broker is not responsible for the content, security, or practices of third-party platforms.
9. Ownership of Website Content & Branding
GMG Broker Inc. owns all text, design, graphics, software code, logos, trademarks, and audiovisual materials published on this website. Unauthorized copying, reproduction, redistribution, or modification of any site content without prior written permission is strictly prohibited.
10. Limitation of Liability
To the fullest extent permitted by Ontario and Canadian law, GMG Broker Inc., its directors, officers, licensed agents, and affiliates will not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of, or inability to use, this website or its calculator tools.
11. Governing Law & Jurisdiction
These Terms of Use and your access to this website are governed exclusively by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of law principles. Any legal proceeding arising out of these Terms shall be instituted exclusively in the courts of Ontario.
12. Periodic Updates to Terms
These Terms of Use may be updated periodically to align with regulatory updates or website enhancements. Your continued use of the website following published modifications indicates your acceptance of the revised Terms.
13. Contact & Questions
Questions regarding these Terms of Use may be directed to our compliance team at info@gmgbroker.com or:
3719 Walker Road, Unit 106
Windsor, ON N8W 3S9
Telephone: (519) 979-1818
Email: info@gmgbroker.com