Terms and Conditions

Last Updated: September 3, 2026

Welcome to Mortgage Delivery Guy. These Terms and Conditions govern your access to and use of the website https://mortgagedeliveryguy.ca and the information, content, forms, resources, and services made available through this website.

By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use this website.

1. About Mortgage Delivery Guy

Mortgage Delivery Guy provides mortgage-related information, education, consultation, and brokerage services to clients in Ontario.

Mortgage Delivery Guy operates through licensed mortgage professionals and works with lenders, financial institutions, alternative lenders, private lenders, and other mortgage industry partners to help clients explore financing solutions based on their individual circumstances.

Services may include, but are not limited to:

• Mortgage planning
• First mortgages
• Mortgage refinancing
• Second mortgages
• Home equity loans
• Private mortgage solutions
• Self-employed mortgage solutions
• Mortgage solutions for clients with credit challenges
• Debt consolidation
• Lines of credit
• Credit repair guidance
• Mortgage pre-qualification
• Mortgage strategy consultations

All mortgage services are subject to applicable licensing requirements, lender criteria, underwriting, and approval processes.

2. Eligibility and Service Area

Mortgage Delivery Guy primarily provides services to residents and properties located in Ontario, Canada.

By submitting information through this website, you confirm that the information you provide is accurate and that you are legally capable of entering into agreements relating to mortgage and financial services.

Certain services, mortgage products, and financing solutions may not be available to all individuals or in all circumstances.

3. No Guarantee of Mortgage Approval

Information provided on this website is for general informational and educational purposes only.

Using this website, submitting an inquiry, completing a pre-qualification form, or speaking with Mortgage Delivery Guy does not guarantee:

• Mortgage approval
• Loan approval
• A specific interest rate
• A specific mortgage amount
• Financing from a particular lender
• Approval within a specific timeframe
• Funding by a specific date

All mortgage applications and financing arrangements are subject to lender requirements, underwriting review, income verification, credit review, property valuation, documentation, and other applicable conditions.

Final mortgage approval remains the decision of the applicable lender or financial institution.

4. Information on This Website

We make reasonable efforts to ensure that information published on this website is accurate and current. However, mortgage rates, lender programs, qualification requirements, regulations, and market conditions may change without notice.

Mortgage Delivery Guy does not guarantee that all information on this website will always be complete, accurate, current, or applicable to your individual situation.

You should not rely solely on information published on this website when making financial, legal, real estate, investment, or mortgage decisions.

For advice specific to your situation, please contact a qualified mortgage professional and, where appropriate, seek independent legal, financial, accounting, or tax advice.

5. Mortgage Rates and Calculations

Any mortgage rates, payment examples, calculators, estimates, or financial information displayed on this website are provided for general informational purposes.

Rates and calculations may depend on several factors, including:

• Credit history
• Income
• Employment status
• Down payment
• Property type
• Property location
• Mortgage amount
• Loan-to-value ratio
• Debt obligations
• Mortgage term
• Lender requirements
• Market conditions

Displayed rates may change without notice and may not be available to every applicant.

Mortgage calculations and estimates should not be considered a guarantee of final mortgage payments, interest rates, approval amounts, or borrowing eligibility.

6. Pre-Qualification and Website Forms

Mortgage Delivery Guy may provide contact forms, pre-qualification forms, consultation request forms, or other forms through the website.

Submitting a form does not constitute:

• A mortgage application approval
• A commitment to lend
• A binding agreement
• A guaranteed interest rate
• A guarantee that financing will be available

Information submitted through forms may be reviewed by Mortgage Delivery Guy to determine potential mortgage options or to contact you regarding your inquiry.

You agree to provide complete, accurate, and truthful information.

Providing false, misleading, incomplete, or fraudulent information may affect our ability to provide services and may result in the termination of communications or services.

7. Your Responsibilities

When using our website or services, you agree that you will:

• Provide accurate and truthful information
• Not submit fraudulent or misleading information
• Not impersonate another person
• Not misuse website forms or communication channels
• Not interfere with the security or operation of the website
• Not attempt unauthorized access to website systems or data
• Comply with all applicable laws and regulations

You are responsible for ensuring that any information you provide to us is current and accurate.

8. No Financial, Legal, or Tax Advice

Mortgage Delivery Guy provides mortgage-related services and information.

Unless specifically stated otherwise, information provided through this website does not constitute:

• Legal advice
• Tax advice
• Investment advice
• Accounting advice
• Financial planning advice

Mortgage decisions can have significant financial and legal consequences. We encourage clients to consult qualified legal, accounting, tax, and financial professionals when appropriate.

9. Third-Party Lenders and Service Providers

Mortgage Delivery Guy may work with banks, credit unions, alternative lenders, private lenders, financial institutions, and other service providers.

We may introduce or submit mortgage applications to third-party lenders based on your financial situation and financing requirements.

Mortgage Delivery Guy does not control the decisions, policies, products, services, rates, terms, conditions, or actions of third-party lenders.

Each lender independently determines:

• Whether to approve an application
• The interest rate offered
• The mortgage amount
• Terms and conditions
• Required documentation
• Fees and costs
• Underwriting requirements

Mortgage Delivery Guy is not responsible for changes made by lenders or third parties after a mortgage option has been discussed.

10. Fees and Costs

Some mortgage transactions may involve fees, costs, penalties, legal expenses, appraisal costs, lender fees, brokerage fees, private lender fees, or other charges.

The existence and amount of applicable fees will depend on the mortgage product, lender, borrower qualifications, and transaction structure.

Where applicable, relevant costs and fees will be discussed with you during the mortgage process.

You are responsible for reviewing and understanding all costs, fees, terms, and conditions associated with any mortgage or financing agreement before signing.

11. Electronic Communications

By contacting Mortgage Delivery Guy or submitting your contact information, you may consent to receive communications related to your inquiry or requested services by:

• Telephone
• Email
• Text message
• Other electronic communication methods

You may opt out of marketing communications in accordance with applicable laws and communication preferences.

Service-related communications may still be sent when necessary to respond to your inquiry, manage an active application, provide requested services, or meet legal obligations.

12. Text Messaging Terms

If you voluntarily provide your mobile phone number and opt in to receive text messages from Mortgage Delivery Guy, you agree to receive communications related to:

• Mortgage inquiries
• Appointment reminders
• Application updates
• Document requests
• Customer service
• Mortgage-related information
• Service updates
• Other communications related to your requested services

Message frequency may vary depending on your interaction with us, the status of your inquiry or application, and the services you request.

Message and data rates may apply.

You may opt out of recurring text messages at any time by replying STOP.

For assistance, reply HELP or contact us directly at 416.848.0469.

Consent to receive text messages is not a condition of purchasing or obtaining mortgage services.

Mobile phone numbers and SMS consent information are not sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

13. Intellectual Property

Unless otherwise stated, all content on this website is owned by or licensed to Mortgage Delivery Guy.

This includes:

• Website content
• Text
• Articles
• Blog posts
• Graphics
• Images
• Logos
• Branding
• Videos
• Website design
• Downloads
• Educational materials

You may view and use website content for personal, non-commercial purposes.

You may not reproduce, copy, modify, distribute, publish, sell, or commercially exploit website content without prior written permission from Mortgage Delivery Guy.

14. User-Submitted Information

When you submit information, documents, messages, or other content to Mortgage Delivery Guy, you confirm that:

• The information is accurate to the best of your knowledge
• You have the right to provide the information
• The information does not violate applicable laws
• The information does not infringe upon the rights of another person

You understand that submitting information electronically may involve internet transmission and electronic storage.

Please do not submit sensitive information unless requested through an appropriate and authorized communication channel.

15. Third-Party Links

This website may contain links to third-party websites, lenders, service providers, social media platforms, calculators, educational resources, or other external websites.

These links are provided for convenience and informational purposes.

Mortgage Delivery Guy does not control third-party websites and is not responsible for:

• Website content
• Privacy practices
• Accuracy of information
• Products or services
• Security
• Availability

Your use of third-party websites is subject to their own terms, conditions, and privacy policies.

16. Website Availability

We make reasonable efforts to maintain the availability and functionality of our website.

However, we do not guarantee that the website will always be:

• Available
• Error-free
• Secure
• Uninterrupted
• Free from technical issues

We may modify, update, suspend, or discontinue any part of the website at any time without notice.

17. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, Mortgage Delivery Guy makes no representations or warranties regarding:

• Website accuracy
• Website availability
• Completeness of information
• Suitability for a particular purpose
• Error-free operation
• Security of website communications

Your use of this website is at your own risk.

18. Limitation of Liability

To the fullest extent permitted by applicable law, Mortgage Delivery Guy, its owners, representatives, mortgage professionals, employees, contractors, and partners will not be liable for any direct, indirect, incidental, consequential, special, or other damages arising from:

• Your use of this website
• Your inability to access the website
• Reliance on website information
• Mortgage application outcomes
• Lender decisions
• Interest rate changes
• Financing delays
• Third-party actions
• Technical errors
• Website interruptions

Nothing in these Terms and Conditions limits liability where such limitation is prohibited by applicable law.

19. Indemnification

You agree to indemnify and hold harmless Mortgage Delivery Guy and its representatives, employees, contractors, and partners from claims, damages, losses, liabilities, or expenses resulting from:

• Your violation of these Terms and Conditions
• Your misuse of the website
• False or misleading information provided by you
• Your violation of applicable laws or regulations

20. Privacy

Your use of this website and our services is also governed by our Privacy Policy.

The Privacy Policy explains how we collect, use, store, and protect personal information.

By using this website, you acknowledge that you have reviewed our Privacy Policy.

21. Changes to These Terms and Conditions

Mortgage Delivery Guy may update or modify these Terms and Conditions at any time.

Changes will become effective when posted on this page unless otherwise stated.

We encourage you to review this page periodically to stay informed about any updates.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms and Conditions.

22. Governing Law

These Terms and Conditions are governed by the laws applicable in the Province of Ontario and the federal laws of Canada applicable therein.

Any disputes relating to these Terms and Conditions or the use of this website will be subject to the applicable laws and jurisdiction of Ontario, Canada.

23. Contact Us

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

Mortgage Delivery Guy

Paramjit Singh
Mortgage Broker

Office Address:
6700 Century Avenue, 3rd Floor
Unit #365
Mississauga, ON L5N 1V8

Phone: 416.848.0469

Email: paramjit@MortgageDeliveryGuy.ca

Website: https://mortgagedeliveryguy.ca

24. Professional and Licensing Disclaimer

Mortgage Delivery Guy provides mortgage brokerage services through licensed mortgage professionals.

All mortgage approvals are subject to lender underwriting, verification, and final approval.

Mortgage products, interest rates, terms, and conditions may change without notice.

Not all mortgage products are available to every applicant.

Mortgage Delivery Guy serves Ontario residents in accordance with applicable licensing and regulatory requirements.

Mortgage Architects – FSRA #12728

Nothing on this website should be interpreted as a guarantee of mortgage approval, financing availability, interest rates, or specific lending terms.

By using this website or requesting our services, you acknowledge and agree to these Terms and Conditions.