Terms of Service

Last updated: Nov. 29, 2025

1. Basic definitions

In these Terms of Service:

  1. “Rebel Mortgage”, “we”, “us”, “our”, or the “Company” means Rebel Mortgage Ltd., an Ontario licensed mortgage brokerage, FSRA license number 13623.
  2. “Site” or “Website” means www.RebelMortgage.ca and any related pages, forms, tools, portals, or mobile versions that link to these Terms.
  3. “Services” means any online information, tools, calculators, applications, forms, educational content, consultations, or other services that we provide through the Site.
  4. “You”, “your”, or “user” means any individual or entity that visits, browses, or uses the Site or our online Services in any way.
  5. “Vendors” or “Partners” means lenders, mortgage investment corporations, private lenders, insurers, appraisers, lawyers, real estate agents, and any other third party that may provide products or services connected to your mortgage file.

By using our Site or Services, you agree to all of the terms below.

2. Agreement to terms

By accessing or using the Site or our online Services, you confirm that:

  1. You have read and understood these Terms of Service.
  2. You agree to be legally bound by them.

If you do not agree, you must not use the Site or our online Services.

We may update these Terms from time to time. When we do, we will change the “Last updated” date at the top of this page. Your continued use of the Site after any change means you accept the updated Terms.

3. Who may use the Site

By using the Site, you confirm that:

  1. You are at least the age of majority in your province or territory of residence.
  2. You have the legal capacity to enter into a binding agreement.
  3. Your use of the Site follows all laws and rules that apply where you live.

If any of the statements above are not true, you must stop using the Site.

4. Our role as a mortgage brokerage

Rebel Mortgage Ltd. is a licensed mortgage brokerage in Ontario. We arrange mortgages and other credit products with lenders and private investors. We do not control lender decisions, lender conditions, or lender funding timelines.

We do not guarantee:

  1. That you will be approved for any mortgage or credit product.
  2. That any specific rate, fee, or product will be available to you.
  3. That information from third parties on rates, products, or guidelines is complete, accurate, or current.

Any pre qualification, estimate, or quote that you receive through the Site is for information only and is not a commitment to lend or an offer of credit.

5. Intellectual property

Unless we say otherwise, all content on the Site is our property or is used with permission from others. This includes:

  • Text, articles, guides, vlogs, and blog posts
  • Layout, design, and look and feel of the Site
  • Tools and calculators
  • Graphics, photos, icons, and logos
  • Video and audio content

You may view and print content for your personal use only. You may not copy, modify, distribute, publish, or use any content from the Site for commercial purposes without our written consent.

Any trademarks, service marks, and logos displayed on the Site remain the property of their respective owners. 

6. User representations

By using the Site, you confirm that:

  1. All information you provide to us is true, accurate, current, and complete.
  2. You will not use the Site for any illegal or fraudulent purpose.
  3. You will not use automated tools such as bots or scraping software to access or copy the Site.
  4. You will not attempt to gain unauthorized access to our systems or accounts.

If we believe that any information you provide is false, misleading, or incomplete, we may restrict or terminate your access to the Site or our online Services.

7. Collection and use of your information

When you fill in a form, book a call, apply for a mortgage, or use our calculators, you may be asked to provide information such as:

  • Name
  • Contact details
  • Property details
  • Income, assets, and liabilities
  • Credit and employment information

By submitting information through the Site, you consent to:

  1. Our collection, use, and storage of this information as described in our Privacy Policy.
  2. Our use of this information to contact you about your inquiry by phone, e mail, text message, or other reasonable method.
  3. Our sharing of your information with lenders, insurers, appraisers, lawyers, real estate agents, or other Vendors as needed to review, structure, or place your mortgage or related products.

If you do not wish us to use or share your information in this way, do not submit it through the Site.

For full details, please review our Privacy Policy.

8. Relationship with lenders and other Vendors

We work with a range of lenders and other Vendors, including banks, credit unions, trust companies, mortgage investment corporations, and private investors.

  • We do not own or control these Vendors.
  • Each Vendor may have its own terms, conditions, and privacy policies.
  • Any agreement that you enter into with a Vendor is between you and that Vendor, not Rebel Mortgage.

We may receive compensation from Vendors for arranging or referring your mortgage or other products. There is no direct fee charged to you for using the Site itself. Any compensation from Vendors is disclosed to you in our mortgage disclosure documents as required by Ontario law.

You are responsible for reviewing all documents, terms, and conditions that a Vendor provides and for seeking independent legal and tax advice when appropriate.

9. Calculators, rates, and educational content

The Site may display:

  • Mortgage rate tables
  • Payment or qualification calculators
  • Articles, blog posts, and educational guides
  • Comparisons of products, lenders, or strategies

These tools and materials are for general information only. They:

  1. Are based on assumptions that may not match your situation.
  2. May use rate or product information that changes frequently.
  3. Do not account for all lender fees, penalties, or conditions.

The outputs of any calculator, comparison, or article:

  • Are not financial, tax, or legal advice.
  • Are not a guarantee of approval, rate, or terms.
  • Should not be used as the only basis for making a financial decision.

You should always confirm current rates and product details with us or with the lender directly and obtain advice from qualified professionals before you make decisions.

10. Prohibited activities

You agree that you will not:

  1. Copy, collect, or scrape data from the Site in order to build your own database or product.
  2. Use the Site to harass, threaten, or harm any person or organization.
  3. Post or transmit any malicious code, virus, or other material that could disrupt the Site or any user’s experience.
  4. Attempt to bypass security measures or access areas of the Site that are restricted.
  5. Use the Site in any manner that violates applicable laws or regulations.

We may take any reasonable action, including suspending access or contacting law enforcement, if we believe that the Site is being misused.

11. Third party websites and content

The Site may link to other websites or display content from third parties, such as lenders, partners, government agencies, or news sources.

We do not control and are not responsible for:

  • The content, accuracy, or policies of third party sites.
  • Any products, services, or offers provided by third parties.
  • Any loss or damage that you may experience from visiting third party sites or relying on third party content.

If you follow a link away from our Site, you do so entirely at your own risk. Third party terms and privacy policies will apply.

12. Advertising and testimonials

From time to time, we may display:

  • Lender or partner logos
  • Advertising or sponsored content
  • Client reviews or testimonials

Any testimonial reflects the opinion and experience of that individual client and does not guarantee that you will experience the same results.

Logos or mentions of lenders and partners do not mean that they endorse Rebel Mortgage or that we endorse every product they offer.

13. Site availability and changes

We aim to keep the Site available, accurate, and secure, but we do not promise that:

  • The Site will always be available without interruption.
  • The Site will be error free or free of security vulnerabilities.
  • All content will always be current or complete.

We may update, suspend, or discontinue any part of the Site or our online Services at any time, without notice.

We are not responsible for any loss or inconvenience you may experience if the Site is unavailable or if any content changes.

14. Disclaimer of warranties

The Site and all content and Services provided through it are offered on an “as is” and “as available” basis.

To the fullest extent permitted by law, we do not make any warranties or promises, either express or implied, including:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non infringement
  • Accuracy, completeness, or reliability of any content, rates, or calculations

Your use of the Site and any reliance on its content is at your own risk.

15. Limitation of liability

To the fullest extent permitted by law:

  1. Rebel Mortgage, its directors, officers, employees, and agents will not be responsible for any indirect, consequential, special, or punitive damages, including lost profits, lost opportunities, or loss of data, arising from your use of the Site or our online Services.
  2. Our total liability to you for any claim related to the Site or our online Services, regardless of the form of action, will not exceed ten Canadian dollars.

Some jurisdictions do not allow certain limits on liability. If those laws apply to you, some of the limits above may not apply.

16. Indemnity

You agree to indemnify and hold harmless Rebel Mortgage, its affiliates, directors, officers, employees, and agents from any claim, loss, liability, or expense, including reasonable legal fees, that arises out of:

  1. Your use of the Site or our online Services.
  2. Your breach of these Terms.
  3. Your violation of any law or the rights of any third party.

We may choose to take over the defense of any matter for which you must indemnify us. If that happens, you agree to cooperate with our defense.

17. Termination

These Terms apply for as long as you use the Site or our online Services.

We may, at any time and without notice, restrict or terminate your access to the Site or any feature of it, for any reason, including:

  • Suspected misuse or fraudulent activity
  • Breach of these Terms or other policies
  • Requests by law enforcement or regulators

Termination will not affect any rights or obligations that arose before the date of termination.

18. Governing law

These Terms and any dispute that arises from your use of the Site are governed by the laws of the Province of Ontario and the federal laws of Canada that apply in Ontario, without regard to conflict of law rules.

You agree that any dispute will be heard only in the courts of Ontario, and you submit to the jurisdiction of those courts.

19. Privacy

We care about privacy and data security. Our Privacy Policy explains how we collect, use, and protect your personal information.

By using the Site or our online Services, you consent to the collection and use of your information as described in our Privacy Policy.

20. Contact us

If you have questions about these Terms or about the Site, or if you wish to make a complaint, you can contact us at:

Rebel Mortgage Ltd.
Attention: Compliance
E mail: Compliance Email
Phone: 416.849.7068
Website: www.RebelMortgage.ca