Terms and Conditions

1. Agreement to Terms

By accessing and using the "borrowwise.ca" or "www.borrowwise.ca" (here after Borrowwise) website and services (the "Service"), you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Borrowwise provides financial planning tools, calculators, educational content, and related services designed for Canadian residents. Our services include:

• Mortgage calculators and planning tools
• Financial rule calculators
• Investment calculators
• Retirement calculators
• Educational articles and guides
• Newsletter and email communications

3. Calculator Disclaimer

Important: All calculators and tools provided on this website are for informational and educational purposes only. Results are estimates based on the information you provide and should not be considered as:

• Financial, legal, or tax advice
• Mortgage pre-approval or qualification
• Guaranteed rates or terms
• Binding offers or commitments

Actual mortgage rates, terms, financial returns and qualification requirements may vary. Always consult with a licensed mortgage professional and/or financial advisor before making financial decisions.

4. Professional Services

Borrowwise operates as a platform to educate Canadian about personal finance, investments and mortgages. Any mortgage/investment/financial advice, recommendations, or services provided through the website is for educational purpose only.

5. User Responsibilities

When using our Service, you agree to:

• Provide accurate and complete information
• Use the Service for lawful purposes only
• Not attempt to interfere with or disrupt the Service
• Not reproduce, duplicate, or exploit any portion of the Service without permission
• Not use automated systems to access the Service

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Borrowwise and are protected by international copyright, trademark, and other intellectual property laws. You may not use our branding, logos, or content without prior written consent.

7. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Borrowwise. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

8. Limitation of Liability

To the maximum extent permitted by law, Borrowwise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of or inability to use the Service.

9. Indemnification

You agree to defend, indemnify, and hold harmless Borrowwise and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of the Service or violation of these Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law provisions.

11. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Material changes will be notified via email or prominent notice on our website. Your continued use of the Service after changes constitutes acceptance of the new Terms.

12. Contact Us

If you have any questions about these Terms and Conditions, please contact us at: