By accessing or using the Lend U website ("Site") and/or any services offered by Lend U Mortgage Brokerage ("Lend U," "we," "us," or "our"), you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

These Terms constitute a legally binding agreement between you and Lend U regarding your use of the Site and services. You must be at least 18 years of age and able to form legally binding contracts to access and use our services.

Throughout these Terms, the following definitions apply:

• "Client," "you," or "your" refers to any individual or entity that uses our Site or services.
• "Content" refers to all materials found on the Site, including text, images, videos, graphics, designs, and data.
• "Services" refers to the mortgage brokerage and financial services provided by Lend U.
• "Site" refers to the Lend U website, including all content, functionality, and services offered.

Lend U is a licensed mortgage brokerage that provides mortgage solutions to clients. Our services include:

• Connecting clients with mortgage lenders and financial institutions
• Assessing mortgage options and eligibility
• Assisting with mortgage applications and submissions
• Providing guidance throughout the mortgage process

Our Site provides information about our services, but does not constitute financial advice. We are not a lender, and all final lending decisions are made by the financial institutions we work with.

To use our services, you must:

• Be at least 18 years old
• Have the legal capacity to enter into binding contracts
• Comply with all applicable laws and regulations
• Provide accurate and complete information
• Have a valid Canadian address and contact information

We reserve the right to refuse service to anyone for any reason at our discretion.

If you create an account or submit information through our Site, you are responsible for:

• Providing accurate, current, and complete information
• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account

We reserve the right to terminate any account or access to our services if we determine, in our sole discretion, that you have violated these Terms or that termination is in our best interests.

Your privacy is important to us. Our Privacy Policy explains how we collect, use, disclose, and safeguard your personal information. By using our Site or services, you consent to the collection and use of information as described in our Privacy Policy.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws. We only collect personal information necessary to provide our services, and we implement reasonable security measures to protect your information.

All content on the Site, including text, graphics, logos, icons, images, audio clips, and software, is the property of Lend U or our content suppliers and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may access and use the content on our Site for personal, non-commercial purposes only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information obtained from our Site without our prior written consent.

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

You acknowledge and agree that Lend U shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

Our Site and services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

We do not warrant that:

• The Site will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Site is free of viruses or other harmful components
• The results of using the Site will meet your requirements

To the maximum extent permitted by applicable law, in no event shall Lend U, its affiliates, agents, directors, employees, suppliers, or licensors be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Site or services.

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

You agree to defend, indemnify, and hold harmless Lend U and its licensees and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Site or services
• Your violation of any of these Terms
• Your violation of any third-party right, including without limitation any copyright, property, or privacy right
• Any claim that your use of the Site or services caused damage to a third party

We may terminate or suspend your access to our Site and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Site and services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

These Terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide no notice unless a prior written request has been made. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Site or services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Site and our services.