Terms & Conditions

01Acceptance of Terms

By accessing or using the website at laurenmatlomortgages.com (the "Website") or engaging with the mortgage brokerage services of Lauren Matlo Mortgages ("we," "our," or "us"), you agree to be bound by these Terms and Conditions ("Terms").

If you do not agree to these Terms, please do not use our Website or services. We reserve the right to update these Terms at any time. Continued use of the Website after any changes constitutes your acceptance of the revised Terms.

Lauren Matlo Mortgages operates as a licensed mortgage brokerage in the Province of Alberta, regulated by the Real Estate Council of Alberta (RECA).

02Nature of Services

Lauren Matlo Mortgages provides mortgage brokerage services, including but not limited to:

• Assessing client mortgage needs and financial situations
• Identifying and recommending appropriate mortgage products and lenders
• Preparing and submitting mortgage applications to lenders on behalf of clients
• Facilitating communication between clients and lenders throughout the application process
• Providing general mortgage education and information

Our services are provided in accordance with the Mortgage Brokerages, Lenders and Administrators Act (MBLAA) and all applicable regulations in Alberta.

We act as an intermediary between borrowers and lenders. We do not make lending decisions — all approval decisions are made by the lender.

03No Guarantee of Approval

Nothing on this Website or communicated through our services constitutes a guarantee or promise of mortgage approval, a specific interest rate, or specific mortgage terms. All mortgage approvals are subject to lender underwriting, credit assessment, and conditions that are outside our control.

Information provided through our Website, including educational content, calculator results, and rate information, is for general informational purposes only and does not constitute financial, legal, or tax advice. You should consult with qualified professionals for advice specific to your circumstances.

Past results for other clients do not guarantee similar outcomes for you. Each mortgage application is assessed individually by lenders based on their own criteria.

04Accuracy of Information You Provide

You are responsible for the accuracy and completeness of all information you provide to us. Providing false, misleading, or incomplete information in connection with a mortgage application is a serious matter that may constitute mortgage fraud under Canadian law.

We rely on the accuracy of the information you provide when preparing your application. We accept no liability for delays, declined applications, or other consequences arising from inaccurate or incomplete information provided by you.

You must notify us promptly of any material changes to your financial situation between your initial application and mortgage funding.

05Website Use

You agree to use this Website only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Transmit any unsolicited or unauthorised advertising or promotional material
• Attempt to gain unauthorised access to any part of the Website or its systems
• Use automated tools to scrape, crawl, or extract data from the Website
• Reproduce, duplicate, or copy any part of the Website without our written permission
• Transmit any material that is defamatory, offensive, or otherwise objectionable

We reserve the right to restrict or terminate access to the Website at any time and for any reason, without notice.

06Intellectual Property

All content on this Website — including but not limited to text, copy, design, graphics, logos, and brand elements — is the property of Lauren Matlo Mortgages or its content suppliers and is protected by applicable intellectual property laws.

You may view and print content from this Website for your own personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from this Website without our prior written consent.

The Lauren Matlo Mortgages name, wordmark, and associated brand elements are the exclusive property of Lauren Matlo Mortgages.

07Calculators, Rates & Educational Content

Mortgage calculators provided on this Website are for general estimation purposes only. Results are based on inputs you provide and simplified calculations — they do not account for all factors that affect mortgage payments, qualification, or total cost of borrowing.

Interest rates displayed on this Website are indicative only, are subject to change without notice, and may not reflect the rate available to you. Your actual rate depends on your individual circumstances, credit profile, lender, and market conditions at the time of application.

Rate data sourced from the Bank of Canada Valet API reflects official government data and is provided for informational purposes. It does not represent rates offered by Lauren Matlo Mortgages or any specific lender.

Educational content, blog articles, and guides on this Website are provided for general information only. They do not constitute professional financial, legal, or tax advice and should not be relied upon as such.

08Third-Party Links & Services

This Website may contain links to third-party websites, including lender websites, industry resources, and tools. These links are provided for your convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or services of any third-party website.

We use third-party services to operate our Website and deliver our services, including but not limited to CRM and form processing tools. Your use of these embedded tools is subject to the respective third party's terms and privacy policies.

09Limitation of Liability

To the maximum extent permitted by applicable law, Lauren Matlo Mortgages shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Website or services, including but not limited to:

• Loss of income, profit, or anticipated savings
• Loss of business or contracts
• Decisions made based on information provided on this Website
• Errors, interruptions, or unavailability of the Website
• Actions or decisions of lenders in connection with your mortgage application

Our total liability to you for any claim arising from the use of our Website or services shall not exceed the fees, if any, paid by you to Lauren Matlo Mortgages in connection with the specific matter giving rise to the claim.

Nothing in these Terms limits liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation.

10Indemnification

You agree to indemnify, defend, and hold harmless Lauren Matlo Mortgages and its officers, employees, and representatives from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the Website or services
• Your violation of these Terms
• Inaccurate or false information you have provided to us
• Your violation of any applicable law or regulation

11Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of our Website or services shall be subject to the exclusive jurisdiction of the courts of Alberta.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

12Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website, with the "Last updated" date revised accordingly.

Your continued use of the Website or services after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

13Contact

If you have questions about these Terms and Conditions, please contact us: