User Agreement 

This Agreement describes the terms and conditions applicable to your use of our services at the CanadaMortgage.com Internet site and telephony systems.

About the Company 

The CanadaMortgage.com Internet site is managed under contract by Pioneer West Acceptance Corporation (Pioneer). It primarily operates as an information portal about mortgages and mortgage financing, but has granted Pioneer the right to offer mortgage services to customers applying for a mortgage through the CanadaMortgage.com site. For information about Pioneer please click About Pioneer.

Applications submitted through the CanadaMortgage.com Internet site or telephony systems are securely routed to Pioneer who accepts all responsibility regarding compliance with local, Provincial, and Federal regulations and laws.

 Fees and Services 

Use of the CanadaMortgage.com site is offered to applicants free of charge. There are no fees relating to the mortgage application, or application for any other product or service, through CanadaMortgage.com. Regardless, a fee may be charged directly to the applicant by a mortgage lending financial institution or Pioneer if the applicant decides to proceed with their application. We receive an advertising fee from Pioneer on applications that result in funding.

 Limitation of Liability 

The CanadaMortgage.com Internet site and services is provided "as is" to the user without any warranty or condition, express, implied or statutory. We disclaim any implied warranties of title, merchantability, non infringement of intellectual property or fitness for any particular purpose.

Except as may be otherwise expressly provided by written agreement between us and the user, we will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or reliance on any information or services provided at this Internet site. We will under no circumstances be liable to the user and/or any third party, regardless of the form of action, for any lost profits or lost opportunity, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if the Company has been advised of the possibility of such damages.

We do not endorse the services of Pioneer or its partners. We advise interested or concerned applicants to contact the applicable regulatory authorities responsible for governing the business of mortgage brokering in their Province. The following Internet sites may provide more detailed information:

Canadian Institute of Mortgage Brokers and Lenders (CIMBL)
http://www.cimbl.ca

British Columbia - Financial Institutions Commission
http://www.fic.gov.bc.ca/

Alberta - Real Estate Council of Alberta
http://reca.ab.ca/

Ontario - Financial Services Commission of Ontario
http://www.ontarioinsurance.com/

 Security 

We will not be liable for any delay, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in this Internet site, or for the incompatibility between this Internet site and files and the user's browser or other site accessing program. Nor will we be liable for any other problems experiences by the user due to causes beyond our control. No license to the user is implied in these disclaimers.

Unencrypted e-mail communications over the Internet are not secure. We do not encourage anyone to send personal financial information to us using unencrypted e-mail.

A more secure means of communicating with us over the internet is available to customers using the CANADA MORTGAGE(tm) "APPLY ONLINE" service. However, users should be aware that this online mortgage application has also been designed specifically to omit the necessity of the applicant having to provide sensitive information. Applicants acknowledge that it is their responsibility to protect their sensitive financial information by declining to transmit it on the secure application or in the accompanying notes submitted. Those applicants that are hesitant to provide personal information over the Internet are encouraged to select the "Arrange A Call Back" option and to proceed with their application conventionally by phone, fax or in person with Pioneer.

 Web Content and Materials 

The information and materials contained in the Company's Internet site - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Not all products and services are available in all geographic areas.

We may discontinue or make changes in the information, described herein at any time. Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend any such information. We reserve the right to terminate any or all Internet offerings without prior notice to the user. Furthermore, by offering information via this Internet site, no solicitation is made by us to any person to use such information in jurisdictions where the provision of such information is prohibited by law.

 Software Backup 

While every effort is made to ensure that all software provided at this web site, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses, and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software.

 Links to Other Sites 

Links to other internet sites are provided solely as pointers to information on topics that may be useful to users of the Company's Internet sites, and we have no control over the content on such other internet sites. If you choose to link to an Internet site not controlled by us, we make no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor do we warrant that such site or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We do not guarantee the authenticity of documents on the Internet. Links to other sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites.

 Copyright Notices 

The works of authorship contained in this Internet site, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by us. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without our prior written consent.

 Trademark Notices  

CANADA MORTGAGE, and "The Canada Mortgage Corp. Symbol" are registered trademarks. Other featured words or symbols, used to identify the source of goods and services, are the trademarks of their respective owners.

Certain names, graphics, logos, icons, designs, words, titles or phrases at this web site may constitute trade names, trademarks or service marks of ours or other entities. Trademarks may be registered in Canada and in other countries as applicable. The display of trademarks on pages at this web site does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.

 Use of this Site 

The user's access to and use of the CanadaMortgage.com internet site, and the terms disclaimer are governed in all respects by the laws of the Province of British Columbia as such laws are applied to agreements entered into and to be performed entirely within the Province of British Columbia between British Columbia residents. We do not guarantee continuous, uninterrupted or secure access to our services, and operation of our Internet site may be interfered with by numerous factors outside of CM's control. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. This Agreement sets forth the entire understanding and agreement between the user and us with respect to the subject matter hereof.

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TERM OURS BANKS
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