1. Introduction

Welcome to Mortgage Monitor! Mortgage Monitor is a registered trademark of Centum Financial Group Inc. These Terms of Service ("Terms") govern your use of Mortgage Monitor and its associated services, which are provided by Mortgage Monitor Inc. ("we", "our", or "us"). Please read these Terms carefully before using our website located at https://mortgagemonitor.ca ("Site"). By using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site.

2. Eligibility

To use our Site, you must be at least 18 years old and able to enter into legally binding contracts. By using our Site, you represent and warrant that you meet these requirements.

3. Use of Our Site

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use our Site strictly in accordance with these Terms.

4. Prohibited Activities

You may not use our Site for any unlawful or prohibited purpose. You may not attempt to gain unauthorized access to our Site, other accounts, computer systems, or networks connected to our Site through hacking, password mining, or any other means.

5. Intellectual Property Rights

All content on our Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of Mortgage Monitor or its content suppliers and protected by Canadian and international copyright laws.

6. Disclaimer of Warranties

Our Site and its content are provided "as is" and without warranties of any kind, whether express or implied. We do not warrant that the functions contained in the content will be uninterrupted or error-free, that defects will be corrected, or that our Site or the server that makes it available are free of viruses or other harmful components.

7. Limitation of Liability

Mortgage Monitor will not be liable for any damages of any kind arising from the use of our Site, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.

8. Indemnification

You agree to indemnify, defend, and hold harmless Mortgage Monitor, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the Site using your account.

9. Privacy

Your privacy is important to us. Please read our Privacy Policy carefully to understand how we collect, use, and disclose information about you.

10. Modifications to Terms

We reserve the right to make changes to these Terms at any time. Your continued use of our Site following the posting of changes will mean that you accept and agree to the changes.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada, without giving effect to any principles of conflicts of law.

12. Contact Information

If you have any questions about these Terms, please contact us at hello@centum.ca.