Terms of Service

Effective Date: May 15, 2025

By accessing or using our website, submitting a mortgage inquiry or application, or engaging with our services in any way—including by phone, SMS, or online—you agree to the following Terms and Conditions. Please read them carefully.

1. Services Offered

Jayden Backs Mortgage Solutions (“we,” “us,” “our”) provides mortgage brokerage services, including but not limited to:

• Mortgage pre-qualification and application assistance

• Rate comparisons

• Lender communication and documentation support

• Ongoing customer support and consultation

• Educational content and mortgage-related communications

We are licensed to operate as a mortgage brokerage in Canada and comply with all applicable regulations and professional standards.

2. Use of the Website and Digital Services

By using our website or submitting personal information through our online forms, applications, or tools, you confirm that:

• You are at least 18 years of age

• The information you provide is accurate and up to date

• You are using our services for lawful and personal (not commercial) purposes

Unauthorized use of this website or any automated access (e.g., scraping, bots) is prohibited.

3. SMS and Email Communications

By providing your phone number and/or email address, you consent to receive:

• Transactional communications, such as appointment reminders, mortgage updates, and customer service messages.

• Promotional communications, including special offers, newsletters, and mortgage-related insights (only if you’ve provided express consent)

Message frequency may vary. Message and data rates may apply.

You can opt out of SMS messages by replying “STOP” and unsubscribe from emails by clicking the “Unsubscribe” link.

4. Consent for Data Collection and Use

Your submission of personal and financial information constitutes your consent for us to collect, use, and share this data for the purposes outlined in our Privacy Policy. This includes:

• Verifying your identity and creditworthiness

• Sharing data with lenders, credit bureaus, and secure third-party systems for mortgage processing

• Using your information to deliver marketing communications (with opt-out options)

5. Third-Party Services

We use trusted third-party services to process applications, manage communications, and support marketing. Some service providers may be based in the United States. We ensure all such providers comply with Canadian privacy laws and implement appropriate safeguards.

We are not responsible for the practices of third-party websites linked from our site. Please review their terms before engaging.

6. User Responsibilities

You agree not to:

• Provide false or misleading information

• Attempt to disrupt or interfere with the operation of our website or systems

• Misuse our communication channels for spam, fraud, or harassment

You are responsible for maintaining the confidentiality of any access credentials and for all activity under your account.

7. No Guarantee of Approval or Rates

We do not guarantee mortgage approvals, rate offers, or lender terms. Final decisions rest with the lenders we work with, based on their internal underwriting and risk criteria.

All financial advice or pre-qualification estimates are provided as general guidance and do not constitute binding offers or legal guarantees.

8. Limitation of Liability

To the fullest extent permitted by law, Jayden Backs Mortgage Solutions is not liable for any direct, indirect, incidental, or consequential damages arising out of your use of our services or website, including:

• Delays in processing

• Third-party service failures

• Data loss not caused by our gross negligence

Our total liability in any case shall not exceed the amount paid by you (if any) for our services.

9. Intellectual Property

All content on our website—including logos, copy, graphics, and downloadable resources—is the intellectual property of Jayden Backs Mortgage Solutions and may not be copied, reused, or redistributed without written consent.

10. Changes to These Terms

We may update these Terms and Conditions from time to time. Continued use of our services after changes are posted constitutes acceptance of the updated terms. The most current version will always be available on our website.

11. Governing Law

These Terms are governed by the laws of the Province of Alberta and applicable federal laws of Canada. Any disputes will be resolved in the courts of Alberta, Canada.