Terms of Service
Last updated: March 7, 2026
1. Acceptance of Terms
By accessing and using themortgagebeast.ca (the “Website”), operated by The Mortgage Beast (“we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Website.
2. Description of Services
The Mortgage Beast provides free, educational mortgage calculators, tools, and resources designed to help Canadians understand and plan their mortgage options. Our services include mortgage payment calculators, affordability estimators, stress test tools, rate comparison features, and educational guides. All tools are provided for informational and educational purposes only.
3. Not Financial Advice
The information and calculations provided on this Website do not constitute financial, mortgage, legal, tax, or investment advice. The Mortgage Beast is not a mortgage broker, lender, financial institution, or financial advisor. All calculations are estimates based on the information you provide and publicly available data. Actual mortgage terms, rates, and payments may differ. You should always consult with a qualified mortgage professional, financial advisor, or other appropriate professional before making any financial decisions.
4. Accuracy of Information
While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the accuracy, completeness, or reliability of any information, calculations, or content on this Website. Mortgage rates, government programs, tax rules, and lending criteria change frequently. We are not responsible for any errors or omissions, or for any actions taken based on the information provided.
5. Use of the Website
You agree to use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website in any way that could damage, disable, or impair the Website; attempt to gain unauthorized access to any part of the Website; use any automated means to access the Website or collect information from it; or use the Website to transmit any harmful, offensive, or illegal content.
6. Intellectual Property
All content on this Website, including text, graphics, logos, images, software, and the Morty mascot character, is the property of The Mortgage Beast and is protected by Canadian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written consent.
7. Third-Party Links
This Website may contain links to third-party websites or services. We do not endorse or assume responsibility for any third-party content, products, or services. Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites.
8. Limitation of Liability
To the fullest extent permitted by applicable Canadian law, The Mortgage Beast shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Website or any information provided on it. This includes, without limitation, any financial losses resulting from reliance on calculations or information provided by our tools.
9. Indemnification
You agree to indemnify and hold harmless The Mortgage Beast, its operators, and affiliates from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Website or any violation of these Terms.
10. Modifications
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Continued use of the Website after any changes constitutes your acceptance of the revised terms.
11. Governing Law
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, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.
12. Contact Us
If you have any questions about these Terms of Service, please contact us at contact@themortgagebeast.ca.