Effective Date: August 15th, 2024
Welcome to EveryRate.ca, a website operated by EveryRate Technologies Inc. ("EveryRate," "we," "us," or "our"). By accessing or using our services, you agree to comply with and be bound by the following Terms of Service ("Terms"). Please read these Terms carefully before using our website.
1. Service Overview
EveryRate.ca provides users with access to a mortgage rate comparison tool and connects users with referral partners who can assist in obtaining mortgages. Our goal is to help users find the most competitive mortgage rates and make informed decisions. The service is provided free of charge to users.
2. User Eligibility
By using EveryRate.ca, you represent that you are at least 18 years old and have the legal capacity to enter into this agreement. Our services are intended for users residing in Canada. If you are accessing our website from outside Canada, you are responsible for compliance with local laws.
3. Submission of Contact Information
To obtain a mortgage product through our service, you will need to submit a contact form on EveryRate.ca with your name, phone number, and email address. Upon submission, your information will be forwarded to one of our trusted referral partners, who will reach out to you shortly to discuss the next steps. Once your information is passed to the referral partner, EveryRate is no longer involved in the process, and the partner will handle all further interactions.
4. User Responsibilities
As a user of EveryRate.ca, you agree to:
- Use the website and its services only for lawful purposes.
- Provide accurate and complete information when submitting the contact form.
- Not misuse the information provided or engage in any fraudulent activity.
You are responsible for ensuring the information you provide is accurate and for any communications or agreements made with our referral partners.
5. Service Availability
While we strive to ensure that EveryRate.ca is available 24/7, we do not guarantee uninterrupted access to the website. There may be times when the service is unavailable due to maintenance, upgrades, or other reasons beyond our control. We are not liable for any disruption of service or loss of data that may result from such interruptions.
6. Fees and Payments
EveryRate.ca is free for users. We do not charge any fees for using our service. Instead, we receive referral fees from our partners when a mortgage is successfully obtained through their services. This fee does not affect the rates or services offered to you by our partners.
7. Limitation of Liability
EveryRate makes no representations or warranties regarding the accuracy, reliability, or completeness of the information provided on EveryRate.ca. We are not liable for any errors or omissions in the information, nor for any actions taken based on the information provided on the website.
To the fullest extent permitted by law, EveryRate disclaims all warranties, express or implied, and shall not be liable for any damages, whether direct, indirect, incidental, or consequential, arising from the use of EveryRate.ca or any services provided by our referral partners.
8. Termination of Service
We reserve the right to suspend or terminate your access to EveryRate.ca at any time, without notice, for any reason, including but not limited to violations of these Terms.
9. Intellectual Property
All content on EveryRate.ca, including text, graphics, logos, and software, is the property of EveryRate Technologies Inc. and is protected by applicable intellectual property laws. You may not use, reproduce, or distribute any content from the website without our express written permission.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of the Province of British Columbia, Canada, without regard to its conflict of law principles. Any disputes arising from or relating to these Terms shall be resolved in the courts located in British Columbia.
11. Modifications to the Terms
We may update these Terms from time to time. When we make changes, we will post the updated Terms on EveryRate.ca and update the effective date at the top of this page. Your continued use of the website after any changes indicates your acceptance of the new Terms.
12. Contact Information
If you have any questions or concerns about these Terms, please contact us at:
EveryRate Technologies Inc. DBA: EveryRate
- Email: founders(at)everyrate.ca
- Phone: 888-828-6665
- Address: 5th floor, 410 West Georgia Street, Vancouver, V6B 1Z3