Interpretation and Definitions

Interpretation

Words with capitalized initial letters have meanings defined under the following conditions. These definitions apply whether in singular or plural.

Definitions

Account: A unique account created to access the Service, if applicable.

Country: Canada

Company: Merge Mortgage Group

Device: Any device that can access the Service such as a computer, cellphone, or tablet.

Feedback: Suggestions or input submitted to improve the Service.

Promotions: Offers or contests provided through the Service.

Service: The Website and the professional services offered by Merge Mortgage Group including but not limited to real estate consultation, mortgage assistance, and related communications.

Terms and Conditions ("Terms"): This agreement.

Third-party Social Media Service: Content or services provided by third parties accessed via the Service.

Website: Merge Mortgage Group, accessible from https://mbp.merge-mortgage.ca/.

You: The individual or entity using the Service.

Acknowledgement

By accessing or using this Website and our services, You agree to be bound by these Terms. Access is only permitted for individuals over 18 years of age.

Our Services

Merge Mortgage Group provides real estate and mortgage consulting services, including but not limited to:

Real estate listings

Market consultations

Mortgage consultations

Appointment scheduling

Related communication and updates

These services are offered for informational and advisory purposes only. We do not guarantee financing approval, property sales, or outcomes of any transaction. All transactions are subject to third-party approvals (such as lenders, sellers, and legal parties).

Text Message Program (SMS Terms)

Program Name: Merge Mortgage Group
Description: Notifications related to mortgage updates, appointment reminders, market news, and limited-time offers.

To opt out, text STOP to the sending number. A confirmation message will follow.

To rejoin, opt in through the original subscription method.

For assistance, reply HELP or email [email protected].

Message frequency may vary.

Standard message and data rates may apply.

Mobile carriers are not liable for delayed or undelivered messages.

Privacy Policy: https://mbp.merge-mortgage.ca/privacy-policy

This program complies with industry standards and applicable laws.

Client Responsibilities

You agree to provide accurate and up-to-date information when engaging our services. We reserve the right to refuse or terminate services if false, misleading, or incomplete information is provided.

Accuracy of Information

We strive to ensure the information presented on our Website and through our communications is accurate. However, market data, property listings, and financial information may change without notice. We are not responsible for any outdated or inaccurate content.

Promotions

Promotional offers may have specific terms. If promotional terms conflict with these Terms, the promotional terms will apply.

User Accounts (If Applicable)

If you create an account on our Website, you are responsible for maintaining the confidentiality of your account details and password. We reserve the right to suspend or terminate accounts for misuse or violations.

Intellectual Property

All content on this Website, including text, images, logos, and trademarks, is the property of Merge Mortgage Group or its licensors. Unauthorized use is prohibited.

Feedback

Any feedback provided may be used by us without compensation or obligation to You.

Third-Party Links

Our Website may contain links to third-party sites. We do not control or endorse these sites and are not responsible for their content or practices.

Termination of Services

We may terminate access to our services at our discretion if You violate these Terms or engage in unlawful or unethical behavior.

Limitation of Liability

To the fullest extent permitted by law, Merge Mortgage Group is not liable for any indirect, incidental, or consequential damages. Our total liability, if any, is limited to $100 CAD.

Disclaimer

Our services are provided "as is" without warranties of any kind. We do not guarantee the success of any real estate transaction or financing approval.

Governing Law

These Terms are governed by the laws of Canada. By using this service, you agree that Canadian law applies.

Dispute Resolution

If You have concerns or disputes regarding our services, please contact us first at: [email protected]

Compliance

You confirm that you are not located in any jurisdiction subject to sanctions or trade restrictions by Canada or its allies.

Severability and Waiver

If any part of these Terms is found to be invalid, the remaining provisions will remain in full effect. No waiver shall be valid unless in writing.

Changes

We reserve the right to update or modify these Terms at any time. Continued use of our Website or services confirms Your acceptance of the updated Terms.

Contact

If You have any questions about these Terms, please contact:
📧 [email protected]
📍 Merge Mortgage Group