TERMS AND CONDITIONS
Services
Verico Huntington Cross Mortgage Co., Ltd. (VHCM) is a private mortgage brokerage company operating in Ontario, Canada. We bring together information about mortgage offerings available from third-parties in a single location as a service to our clients. While we make every effort to ensure that the information we provide is current, we cannot guarantee that the third-parties have kept us informed about their most up-to-date offers and so we cannot be held liable for such inaccuracies.
We accept applications through this website subject to the Terms described below. Use of this website requires acceptance of these terms.
Terms of Use
Our Terms of Use were last updated on October 17, 2024.
These Terms of Use, together with any privacy policy that may be published on the website, constitutes the entire agreement between the parties relating to the website and service and all related activities.
VHCM owns and operates the website located at hcmortgage.com. Terms of Use apply to all users of the website and may be amended or updated by VHCM from time to time. Any new features that may be added to this website will be subject to the same terms of use unless stated otherwise.
You must be 18 years or older to use this website and our services.
Like any other website, our website may be inaccessible occasionally and we cannot be held accountable for this. Likewise, we are not responsible for what happens if you exit our website by clicking on a third-party link. Appearance of third-party referrals or links whether in the body of the website or in banners or pop-ups should not be considered to be endorsements by VHCM.
Privacy Policy
Our privacy policy describes our policies and procedures on the collection, use and disclosure of your personal information when you use the application or the website and tells you about your privacy rights and how the law protects you. Please access our privacy policy here insert link before using our service.
If any part of these Terms of Use is held to be unlawful, void, or unenforceable, that part shall be deemed severed and shall not affect the validity and enforceability of the remaining provisions.
Accounts
To use this website, you must create an account. It is your obligation to only use the site in ways that are legal and true. Failure to do so will result in immediate termination of your account and may involve litigation against you. It is also within VHCM’s rights to terminate your account at
any time with or without cause. Likewise, the users can cancel their accounts without notice or cause but may continue to have some limited obligations depending on what has transpired before that time.
The account cannot be assigned to another party without written consent from VHCM.
Our service allows you to post content. It is your responsibility to keep any content you provide and your website access information private and up-to-date.
The user is responsible for all material they upload, post, email, transmit or otherwise make available by using VHCM’s services provided through the website. VHCM does not control or actively monitor user content so does not guarantee the accuracy, integrity or quality of such content.
VHCM reserves the right at all times (but will have no obligation) to remove or refuse to distribute any user content and to terminate accounts. We also reserve the right to access, read, preserve, and disclose any information we reasonably deem to be needed to:
- respond to user applications or support requests;
- protect the rights, property or safety of our users and the public;
- satisfy any applicable laws, regulations, legal processes or governmental requests;
- enforce these Terms of Use and investigate potential violations of them; or
- detect, prevent, or otherwise address fraud, security or technical issues.
You may not transmit any content that is unlawful, offensive, upsetting, intended to disgust, threatening, libellous, defamatory, obscene or otherwise objectionable.
You warrant that the content you post belongs to you or you have the right to use it and that posting your content through the service does not violate the rights of any other person.
You are responsible for safeguarding the password that you use to access the Service and you are responsible for any activities or actions under your password. You agree not to disclose your password to any third party. You must notify us immediately of any breach of security or unauthorized access to your account. VHCM will not be liable for any loss or damage arising from your failure to secure your password and access to your account.
By creating your account, you are allowing VHCM to communicate with you regarding offers and promotions by us and third-parties with whom we have relationships.
You agree to maintain a complete and accurate copy of any content in a location independent of the Service.
Intellectual Property
All intellectual materials on this website are the property of VHCM Ltd. with the exception of user generated content. The content posted by VHCM and the features and functions of the website be-long to the company and the service is protected by copyright, trademark and other laws of both Canada and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the company. Materials owned by us are not to be downloaded, copied or otherwise used except as may be agreed in writing.
Subject to the Terms, VHCM grants you a non-transferable, non-exclusive, license to use the website. Any future release, update, or other addition to functionality of the website shall be subject to the terms of these Terms.
Links to Other Websites
This website (including user content) may contain links to other websites that are not owned or controlled by VHCM. In no event shall any reference to any third-party, third-party product or service be construed as an approval or endorsement by VHCM of that third-party, third-party product or service. VHCM is also not responsible for the content of any linked websites. Any third-party web-sites or services accessed from the website are subject to the terms and conditions of those websites and or services and you are responsible for determining those terms and conditions and complying with them. The presence on the website of a link to any other website(s) does not imply that VHCM endorses or accepts any responsibility for the content or use of such websites, and you hereby re-lease VHCM from all liability and/damages that may arise from your use of such websites or receipt of services from any such websites.
Content Backups
Although regular backups of content are performed, VHCM does not guarantee there will be no loss or corruption of data. However, the company will provide support and attempt to troubleshoot any known or discovered issues that may affect backups.
Feedback
If a user provides VHCM with any suggestions, criticisms, comments or other input regarding the website or our services, VHCM may use this feedback as it deems appropriate without providing the user with any compensation or publicity. Such feedback will never be considered “confidential.”
Disclaimer of representations, warranties and conditions
We cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services.
The website, service, and all materials provided therein are provided “as is.” VHCM specifically disclaims all representations, warranties and conditions, either expressed, implied, statutory, by usage of trade, the course of dealing or otherwise including but not limited to any implied warranties of merchantability, non-infringement, title, satisfactory quality or fitness for a particular purpose.
VHCM will not be liable for any type of content exchanged by means of the service or by any interactions among users.
Limitation of liability
To the maximum extent permitted by applicable law, in no event shall the company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but
not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the service, third-party software and/or third-party hardware used with the service, or otherwise in connection with any provision of these Terms), even if the company or any supplier has been advised of the possibility of such damages and even if the remedy fails in its essential purpose.
Indemnification
You shall indemnify and hold VHCM and its subsidiaries, affiliates, officers, agents, and employees, harmless from all claims, actions, proceedings, demands, damages, losses, costs, and expenses (including reasonable attorneys’ fees), incurred in connection with any materials submitted, posted, transmitted or made available by you through the service and/or any violation by you of these terms of use or any applicable law or regulation, and any interaction between you and other users.
Governing Law
VHCM Ltd. cannot be held liable for any activity outside of its jurisdiction. It is the user’s responsibility to contact the company about any dispute or concern. VHCM will endeavour to efficiently resolve any complaints. Ontario and Canadian law will govern all website and company activities. Should any issues need to be resolved through the courts, the matters will be decided by judge only, not a jury in the city of Toronto.
Your use of the application may also be subject to other local, state, national, or international laws.
Termination
VHCM may, under certain circumstances and without prior notice, immediately terminate your ability to access the website or portions thereof. Cause for such termination shall include, but not be limited to:
- breaches or violations of these Terms of Use or any other agreement that you may have with VHCM (including, without limitation, non-payment of any fees owed in connection with the website or otherwise owed by you to VHCM)
- requests by law enforcement or other government agencies
- a request by you
- discontinuance or material modification to the website (or any part thereof)
- technical, security or legal issues and/or
- participation by you, directly or indirectly, in fraudulent or illegal activities.
Termination of your access to the website may also include removal of some or all of the materials uploaded by you to the website. You acknowledge and agree that all terminations may be made by VHCM in its sole discretion and that VHCM shall not be liable to you or any third-party for any termination of your access to this website or for the removal of any of the materials uploaded by you to the website. Any termination of these terms of use by VHCM shall be in addition to any and all other rights and remedies that VHCM may have.
Promotions
If you participate in any promotions, please review the applicable rules for the promotion as well as our privacy policy will take precedence over these Terms.
Disclosure for Referral
If you have been referred by a realtor, or other referral source, they referrer must make you, the client aware that they are part of the referral program with VHCM and that they will be paid of referral fee as part of the program. The referrer must comply with all standard tax laws as well as the Real Estate and Business Brokers Act, 2002, S.O. 2002, c. 30, Sched. C.
Contact
If you have any questions about these Terms, please contact us by sending an email to info@hcmortgage.com.