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Terms Of Use

LENDING MILL maintains the information found at www.lendingmill.ca (the “Website") as a service to its users. By using, visiting, or creating an account on the Website or any Website services (collectively the “Service"), You agree to comply with and be bound by the following Terms of Use. Please review the following terms carefully. If You do not agree to these terms, You should not browse, create an account, review information, or obtain any media or documents from this Website.

Acceptance of Agreement

You agree to the terms and conditions outlined in this Terms of Use Agreement (“Agreement") with respect to the Website. This agreement applies to all users of the Service, including users who browse, create an account, review information and/or obtain any media or document, directly or indirectly, from this Website (collectively the “Users", individually the “User" or “You" or “Your"). “Content" includes text, software, scripts, ad scripts, graphics, photos, sounds, music, videos, audiovisual combinations, advertisements, interactive features, and other materials that the User may view on, access through, or contribute to the Service. Users agree to review this Agreement prior to reviewing or obtaining any information or Content. This Agreement may be amended by us from time to time without specific advance notice to You. The most recent Agreement will be posted on the Website, and You should review the Agreement prior to using the site.

Use of the Website

The Website is an online platform that allows licensed (where such a license is required) mortgage brokers and mortgage agents who represent borrowers to advertise their client’s(s’) mortgage requests, on which lenders and mortgage brokers who represent lenders may place offers. The Service is primarily an advertisement medium that allows Brokers and Agents to view mortgage product offerings provided by Lenders via the portal. LENDING MILL DOES NOT CARRY ON THE BUSINESS OF DEALING IN MORTGAGES, TRADING IN MORTGAGES, MORTGAGE LENDING, OR ADMINISTERING MORTGAGES. LENDING MILL DOES NOT CONNECT LENDERS WITH BORROWERS. IT IS AN ADVERTISING FORUM ON WHICH LENDERS MAY ADVERTISE THEIR SERVICES BY BIDDING ON SERVICES REQUESTED BY BROKERS/AGENTS. LENDING MILL DOES NOT CONDONE USERS CARRYING ON THE BUSINESS OF DEALING IN MORTGAGES, TRADING IN MORTGAGES, MORTGAGE LENDING, OR ADMINISTERING MORTGAGES ON THE WEBSITE. DOING SO IS A DIRECT VIOLATION OF THESE TERMS OF USE. All Users, by virtue of using the Website, represent, and warrant that they are in compliance with the Mortgage Brokerage, Lenders and Administrators Act, 2006 and any other rules and regulations of the Financial Services Commission of Ontario or any other provincial or federal regulatory body.

Right to Use

LENDING MILL hereby grants you, the User, permission to access and use the Service as set forth in this Agreement, provided that: You agree not to alter or modify any part of the Service. You are a Lender advertising your services directly to Brokers/Agents. You are a Broker/Agent using the Website to view mortgage product offerings of Lenders. You agree not to distribute in any medium, any part of the Service or content without LENDING MILL's prior written authorization, unless the means for such distribution are a function of the Service. In using the Service, You will comply with all applicable laws. You agree not to upload, distribute or transmit any false, illegal, or misleading information. Editing, Deleting, and Modification LENDING MILL reserves the right in its sole discretion to: a)discontinue any aspect of the Service at any time; and b) edit or remove any information on the Website at any time.

Indemnification

You understand that when using the Service, You will be exposed to Content from a variety of sources, and that and Website are not responsible for the accuracy, usefulness, safety, security, or efficacy of or relating to such content. You further understand and acknowledge that You may be exposed to Content that is inaccurate, inappropriate, misleading, or objectionable, and You agree to waive, and hereby do waive, any legal or equitable rights or remedies that You have or may have against LENDING MILL or the Website. Users are responsible for confirming the rates, terms and conditions, information provided and/or obtained from the Website. LENDING MILL does not guarantee, warrant, or endorse any of the products, services, or information provided by Users. LENDING MILL IS NOT A PARTY TO THE TRANSACTIONS ENTERED INTO BETWEEN USERS. You agree to indemnify, defend, and save LENDING MILL, its directors, officers, shareholders, partners, professional representatives, employees, independent contractors, agents, and affiliates (collectively, “Affiliated Parties") harmless from and against all claims of any kind, which third parties including any Users have ever had, now have, or may in the future have against You or the Company by reason of any cause, whether known or unknown, arising from, connected with or in any way related to without limitation (i) any violation of this Agreement; (ii) Your use of the Website; (iii) any violation of any third party right, including without limitation any applicable mortgage laws and property or privacy right; or (iv) any claim that Your Content caused damage to a third party.

Non-Transferable

Your right to use the Website is not transferable. Any password or right given a User to obtain access is not transferable. A User is solely responsible for the activity that occurs on their account, and the User must keep their account password secure. The User must notify us of any breach of security or unauthorized use of the User's account. The User may be liable for the losses of LENDING MILL or others due to any unauthorized use.

Account Termination

LENDING MILL and the Website reserves the right to decide whether Users have violated this Agreement. For greater certainty, any violations of the Mortgage Brokerage, Lenders, and Administrators Act, 2006 and any other rules and regulations of the Financial Services Commission of Ontario will result in immediate suspension of account privileges. LENDING MILL and the Website may, at any time, without prior notice and in its sole discretion, remove such Content and/or terminate the User's account for submitting materials or using the Service or Website in violation of this Agreement.

Disclaimer

THE CONTENT AND SERVICES FROM OR THROUGH THE WEBSITE ARE PROVIDED “AS IS", “AS AVAILABLE", AND ALL WARRANTIES, EXPRESS, OR IMPLIED ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). LENDING MILL AND ITS AFFILIATED PARTIES ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY AND/OR (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, COMPANY AND THE AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN COMPANY AND USER. THIS SITE, SERVICES, AND THE CONTENTS WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. LENDING MILL AND AFFILIATED PARTIES SHALL NOT BE LIABLE FOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY OR USER AND THE RISK OR HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY ON YOU.

Third Party Services

LENDING MILL OPERATES AN INTERACTIVE TRANSACTION SERVICE ALLOWING ACCESS TO LENDERS FROM WHICH LENDING MILL USERS MAY DECIDE TO CARRY ON BUSINESS WITH. THE USER UNDERSTANDS THAT LENDING MILL DOES NOT OPERATE OR CONTROL THE PRODUCTS OR SERVICES OFFERED BY LENDERS. LENDERS ARE RESPONSIBLE FOR ALL ASPECTS OF FULFILLMENT, BILLING, AND CUSTOMER SERVICE. LENDING MILL DOES NOT GUARANTEE, WARRANT, OR ENDORSE ANY OF THE PRODUCTS OR SERVICES PROVIDED BY THE LENDERS. LENDING MILL IS NOT A PARTY TO THE TRANSACTIONS ENTERED INTO BETWEEN USERS AND LENDERS. USER AGREES THAT USE OF LENDING MILL SERVICE IS AT THE SOLE RISK OF USER AND IS WITHOUT WARRANTIES OF ANY KIND BY THE COMPANY, EXPRESS, IMPLIED, OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY, OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES IS THE COMPANY LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN USERS AND LENDERS OR FOR ANY INFORMATION APPEARING ON LENDER SITES OR ANY OTHER SITE LINKED TO THE COMPANY SITE. COMPANY WILL NOT BE LIABLE TO USERS FOR ANY INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND THAT MAY RESULT FROM USE OF OR INABILITY TO USE THE COMPANY SERVICE.

Third Party Lender Policies

All rules, policies (including privacy policies), and operating procedures of Lenders will apply to Users while interacting with the Lenders. LENDING MILL is not responsible for information provided by Users to Lenders. Lenders and LENDING MILL are independent contractors and neither party has authority to make any representations or commitments on behalf of the other.

Miscellaneous

This Agreement shall be treated as though it were executed and performed in Ontario, Canada, and shall be governed by and construed in accordance with the laws of Ontario, Canada (without regard to conflict of law principles). Any cause of action of User with respect to the Website (and/or information, forms and agreements, thereon) must be instituted within SIX (6) MONTHS after the cause of action arose or be forever waived and barred. The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against either party. All legal proceedings arising out of or in connection with this Agreement shall be brought solely in Toronto, Ontario, Canada. User expressly submits to the exclusive jurisdiction of said courts and consents to extra-territorial service of process. Should any part of this Agreement be held invalid or unenforceable that portion shall be construed in a way that is consistent with applicable law and the remaining portions shall remain in full force and effect. The terms and conditions of any other agreements, which Users enter into with LENDING MILL in order to have full access to the Website, shall take precedence over this Agreement in the event of a conflict or inconsistency. Failure of LENDING MILL to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. Links to Other Websites: This site may contain links to other websites including other User's websites. We are not responsible for the content, accuracy, or opinions expressed in such websites, and such websites are not investigated, monitored, or checked for accuracy or completeness by us. The inclusion of any linked website does not imply approval or endorsement of the linked website by us. If You decide to leave our site and access these third-party sites, You do so at Your own risk.

Ability to Accept Terms of Service

You affirm that you are either more than 18 years of age and are fully able and competent to enter into terms, conditions, obligations, affirmations, representations, and warranties set forth in this Agreement, and to abide and comply with this Agreement. This Service is not intended for persons under 18 years of age. If You are under 18 years of age, then please do not use the Service.

COPYRIGHT POLICY

This Copyright and Privacy Policy (the “Policy") describes the Website's policies and procedures on the collection, use, and disclosure of Your information in connection with the Website and its Services. When using any of our Services, You consent to the collection, transfer, manipulation, storage, disclosure, and other uses of Your information as described in this Policy. Irrespective of which country You reside in or create information from, Your information may be used by the Website in Canada or any other country where the Website operates. If You have any questions or comments about this Policy, please contact us at 416-474-7788.

Copyright and Trademarks

The content, organization, gathering, compilation, magnetic translation, digital conversion and other matters related to the Website are protected under applicable copyrights, trademarks and another proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by a User of any such content or any part of the Website, except as allowed by this section, is strictly prohibited. The User does not acquire ownership rights to any content or document obtained through the Website. The posting of information or materials on the Website does not constitute a waiver of any right in such information and materials. All content and information found and published on the Website are protected by copyright. Users of the Website shall only be entitled to copy Website content for their own personal use and may not republish or reproduce any substantial part of the Website any manner whatsoever, including electronically reproducing this Website by “uploading", “downloading" or accessing the Website on the Internet or in any other local or international computer system, without the prior written permission of the owner of the Website and LENDING MILL. An acknowledgement of the source must be included whenever any Website content is copied or published. If You require any further information on the permitted use or licence to reproduce or publish any material address Your inquiry to LENDING MILL. Any infringement of the LENDING MILL's rights will result in an appropriate legal action. LENDING MILL disclaims any and all liability for any consequences which may result from the unauthorized reproduction or use of this Website whatsoever. The copyright in this Website, and in the underlying source HTML files which implement the hypertext features of this Website (the “document set" or “Publication") is owned by the LENDING MILL. Any person is authorized to view, reproduce, print and distribute this document set and/or any portion thereof, pursuant to the following conditions: this document set may only be used for informational purposes; this document set may only be used for non-commercial purposes; and any copy of this document set or portion thereof must include this copyright notice. The viewing or downloading of any content, form or document grants the User only a limited, non- exclusive licence for use solely by the User for his or her own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for the User's personal use (but not for resale or redistribution).
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Privacy Policy

Privacy Policy

We consider “Personal Information” to mean any information, recorded in any form, about an identified individual or an individual whose identity may be inferred or determined from such information, other than business contact information (e.g. name, title, business address). This includes, but is NOT limited to your name, contact information, payment information, financial information, credit and background checks, and email address. This Policy does not cover business contact information or aggregated data from which the identity of an individual cannot be determined. We maintain the right to use the business contact information and aggregated data in any way that is deemed appropriate.

Information We Collect

We only collect, use, and disclose Personal Information for the purpose of providing and improving products or Services to our clients. Personal Information Collected Upon Registration: When You create or reconfigure an account, you provide some Personal Information, such as your name, contact information, payment information, email address, etc. Some of this Personal Information, for example, your name, user id, and username, may be listed publicly on our Services, including on your profile page and in search results. Some Services, such as search, public user profiles, and viewing lists, do not require registration. Registration is limited to persons of age 18 and older. We do not knowingly collect information from persons under 18 years old. Registration requires a birth date to register for our Service; accordingly, you will not be able to enter a birth date that indicates that you are less than 18 years old. Links: The Website may keep track of how you interact with links or Content by redirecting clicks or through other means. We do this to help improve our Services and to be able to share aggregate click statistics, such as how many times a particular link was clicked on. Device Identifiers: When you use a mobile device like a tablet or phone to access our Service, we may access, collect, monitor, store on your device, and/or remotely store one or more “device identifiers.” A device identifier may be data-stored in connection with the device hardware, data stored in connection with the device’s operating system or other software, or data sent to your device. Third Party Services: We use a variety of services hosted by third parties to help provide our Services and to help us understand the use of our Services, such as Google Analytics. These Services may collect information sent by your browser as part of a web page request, such as cookies or your IP request. Email Communications to Website: You may decide to send the Website personally identifying information in an e-mail message, which might contain information or inquiries about Website Products or Services. The Website will use this information to identify you as a Website member and to respond to the e-mail. The Website will only use the information obtained to resolve the issue identified in the email. We never sell e-mail addresses. You may change or request deletion of Your Personal Information by contacting Lending Mill. How we use your Personal Information in addition to some of the specific uses of Personal Information we describe in this Policy, we may use Personal Information that we receive to:
  • Establish a commercial relationship with you;
  • Provide you with our Products and Services;
  • Develop and test new products and features;
  • Provide you with ongoing customer Service;
  • Help you efficiently access your information after you sign in;
  • Remember information so you will not have to re-enter it during your visit or the next time you visit the Website;
  • Provide personalized content and information to you and others, which could include online ads or other forms of marketing;
  • Provide, improve, test, and monitor the effectiveness of the Website;
  • Monitor metrics such as total number of visitors, traffic, impressions, and demographic patterns;
  • Process payments for products and Services;
  • Diagnose or fix technology problems;
  • Meet legal and regulatory requirements; and
  • Such other purposes consistent with these objectives.
Information about you and your use of the Website may be aggregated with other information collected on the Website or otherwise used in ways that do not personally identify you or constitute personally identifiable information. This type of aggregated or statistical information may be used by us to improve the quality of the Website or for other purposes that we may deem appropriate.

Information Sharing and Disclosure

We do not disclose your private information except in the limited circumstances described herein. Our use of Personal Information is limited to the purposes described in this Policy and we do not otherwise sell, trade, barter, exchange, or disclose for consideration any Personal Information that We have obtained. Your Consent: We may share or disclose your information with your consent, such as when you use a third-party web client to access your account. In addition, where appropriate, specific authorizations, or consents may be obtained from time to time. Without Consent: Please note that there are circumstances where the use and/or disclosure of Personal Information may be justified or permitted or where we are obliged to disclose information WITHOUT consent. Such circumstances are consistent with the Personal Information Protection and Electronic Documents Act and the Digital Privacy Act and may include, but are not limited to: where required by law or by order or requirement of a court, administrative agency or governmental tribunal; where LENDING MILL believes, upon reasonable grounds, that it is necessary to protect the rights, privacy, safety, or property of an identifiable person or group; where it is necessary to establish or collect monies owing to LENDING MILL; where it is necessary to permit LENDING MILL to pursue available remedies or limit any damages that we may sustain; where LENDING MILL believes, upon reasonable grounds, that a breach of an agreement or contravention of a law has been, or is about to be committed and that it is reasonable to expect that disclosure with the knowledge or consent of the individual would compromise the investigation; where LENDING MILL believes, upon reasonable grounds, that fraud is likely to be committed and it is necessary to use the Personal Information to detect, suppress, or prevent fraud, and that it is reasonable to expect that disclosure with the knowledge or consent of the individual would compromise the investigation; where it is necessary to assess, process, or settle an insurance claim. Service Providers: We engage certain trusted third parties to perform functions and provide services to us. We may share your Personal Information with these third parties, but only to the extent necessary to perform these functions and provide such services, and only pursuant to obligations mirroring the protections of this Policy. Law and Harm: We may disclose Your information if we believe that it is reasonably necessary to comply with a law, regulation, or legal request; to protect the safety of any person; to address fraud, security or technical issues; or to protect the Website’s rights or property. Business Transfers: In the event that LENDING MILL is involved in a bankruptcy, merger, acquisition, reorganization, or sale of assets, your information may be sold or transferred as part of that transaction. The promises in this Policy will apply to your information when transferred to the new entity. Non-Private or Non-Personal Information: We may share or disclose your non-private, aggregated, or otherwise Non-Personal Information, such as your public bio or the number of users who clicked on a particular link.

Other Websites and Services

We are not responsible for the practices employed by any websites or services linked to or from the Website, including any User websites or third party websites and the information or content contained within. Your browsing and interaction on any third-party website or service, including those that have a link on our Website, are subject to that third party’s own rules and policies. In addition, you agree that we are not responsible and do not have control over any third parties that you authorize to access your content. If you are using a third-party website or service and you allow them to access your content, you do so at your own risk.

Protection of Personal Information

We endeavor to maintain appropriate physical, procedural, and technical security with respect to our offices and information storage facilities, so as to prevent any loss, misuse, unauthorized access, disclosure, or modification of Personal Information. This also applies to the disposal or destruction of Personal Information. We further protect Your Personal Information and any financial or payment information by restricting its access to those employees who need to have knowledge of that information in order for us to provide our Services, as determined by the management of LENDING MILL.

User Access to Your Personal Information

If you are a registered user of the Website, we provide you with tools to access or modify the Personal Information you provided to us and associated with your account. To guard against fraudulent requests, we may require sufficient information to allow us to confirm that the person making the request is authorized to do so before granting access or modifying any Personal Information.

Changes to this Policy

We may revise this Policy from time to time. The most current version of the Policy will govern our use of your information and will always be at www.lendingmill.ca. If we make a change to this Policy that, in our sole discretion, is a material change, we will endeavor to notify you either via a Website update or via the email associated with Your account or private message you via the Website through your account. By continuing to access or use the Services after those changes become effective, You agree to be bound by the revised Policy.

Disclaimer

While the Website continues to work hard to protect your Personal Information, no data transmission over the internet can be guaranteed to be absolutely secure and Website cannot ensure or warrant the security of any information you transmit to Website. Transmitting Personal Information is done at Your own risk.

Contact the Website

We welcome your questions and comments about security and privacy. In the event of questions pertaining to this Policy, please send any questions or comments.
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FAQ

Q: How does it work?
  • YOU upload the deal (application and supporting documents) to the portal
  • Underwriter at our team picks the deal up and gets to work
  • If there are any additional information or documents required you will get a notification
  • Underwriter approves the deal and uploads it to the platform for the lender
  • Lenders start placing their offers – you get notified about every one of them
  • You accept the best offer
  • Lender issues the commitment
  • You upload the signed commitment & required documents to the portal
  • Our underwriter reviews all the documents and if all is good makes them visible to the lender
  • The deal is sent to the lawyers
  • Congratulations! YOUR deal is funded and closed!
Q: How many lenders do you work with?
 
Q: What is the commission split on the deal I do with Lending Mill?
 
Q: Are there any incentives that I can participate in?
 
Q: Can I communicate with the lender directly?
 
Q: Is there a client Log-In?
 
Q: How do I get in touch with customer support?
 
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