TERMS OF USE.

By accessing or using the Equity Wise Financial website ("Site"), you agree to be bound by these Terms of Use ("Terms") and all applicable laws. These Terms form a legally binding agreement between you and Equity Wise Financial, a licensed mortgage brokerage operating in Ontario, Canada.

If you do not agree to these Terms, please do not use this Site. We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes acceptance of those changes.

Equity Wise Financial is a licensed mortgage brokerage regulated by the Financial Services Regulatory Authority of Ontario (FSRA). We act as an intermediary between borrowers and lenders and are compensated by lenders upon successful mortgage funding. We do not charge upfront fees to clients in standard mortgage transactions.

All content on this Site — including articles, calculators, guides, videos, and any other materials — is provided for informational and educational purposes only. Nothing on this Site constitutes financial, legal, tax, or investment advice. It should not be relied upon as a substitute for professional consultation tailored to your specific circumstances.

Mortgage rates, terms, and product availability shown on this Site are subject to change without notice and are not a commitment to lend. Actual rates and approval are subject to full application, lender underwriting, and qualification criteria.

You may use this Site only for lawful purposes. Permitted uses include:

The following activities are strictly prohibited:

• Browse and access publicly available information for personal, non-commercial use.

• Submit mortgage inquiries and application forms for the purpose of obtaining mortgage services.

• Share links to pages on equitywisefinancial.ca provided attribution is clear and the context is not misleading.

• Using automated scraping, bots, or crawlers to extract data from this website.

• Reproducing, republishing, or redistributing any content without prior written consent from Equity Wise Financial.

• Impersonating Equity Wise Financial or any of its employees, agents, or partners.

• Attempting to gain unauthorized access to any systems, databases, or networks associated with this website.

• Using our website for any unlawful, fraudulent, or harmful purpose.

All content on this Site — including but not limited to text, graphics, logos, icons, images, and software — is the property of Equity Wise Financial or its content suppliers and is protected by applicable Canadian and international intellectual property laws. Unauthorized use, reproduction, or distribution is strictly prohibited.

This Site may contain links to third-party websites for your convenience. Equity Wise Financial does not endorse, control, or assume responsibility for the content, privacy practices, or reliability of any third-party sites. Accessing linked sites is at your own risk.

To the maximum extent permitted by applicable law, Equity Wise Financial, its directors, officers, agents, and employees shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of — or inability to use — this Site or any information contained herein, even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless Equity Wise Financial and its affiliates from any claims, losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising out of your violation of these Terms or your use of the Site.

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

Questions about these Terms of Use? Reach us at:

Equity Wise Financial

Ontario, Canada

Email: hello@equitywisefinancial.ca