Terms of Service

1 Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Haystax Mortgage (ON) Inc. Lic.#13169, operating as Haystax Mortgage Canada ("we," "us," or "our"), governing your access to and use of the website located at multifamily.haystax.ca ("Website") and any services provided therein.

By visiting the Website, submitting the qualification form, or otherwise engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

2 About Haystax Mortgage Canada

Haystax Mortgage Canada is a licensed mortgage brokerage operating in Ontario, Canada, regulated by the Financial Services Regulatory Authority of Ontario (FSRA). We specialize in commercial and multifamily mortgage financing, including:

• Multifamily property acquisition financing
• Construction and development financing
• CMHC MLI Select program applications
• Bridge financing and refinancing solutions
• Purpose-built rental housing financing

Our services are available to real estate investors, developers, and property owners operating in Ontario, Canada.

3 Services Described

The Website is an informational and lead generation platform designed to connect qualifying real estate investors and developers with mortgage financing solutions. The Website:

• Provides general information about multifamily and commercial mortgage financing
• Allows prospective clients to submit qualification inquiries for review
• Facilitates introductory consultations between investors and our licensed mortgage team

Actual mortgage brokerage services, lender introductions, and financing arrangements are provided under separate engagement agreements and are subject to lender approval, credit assessment, and all applicable regulatory requirements.

4 No Guarantee of Financing

All financing is subject to:

• Full credit assessment and underwriting by the applicable lender
• Property appraisal and due diligence
• CMHC or insurer approval where applicable
• Regulatory and compliance requirements
• Execution of formal mortgage documentation

We make no representations or warranties that any financing will be approved, that quoted terms will be available, or that any specific leverage, LTV ratio, or amortization period will be achievable for your project.

5 Use of the Website

Permitted Use

You may use this Website for lawful purposes related to obtaining information about mortgage financing and submitting genuine financing inquiries. You agree to provide accurate, complete, and current information in all form submissions.

Prohibited Use

You agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable laws or regulations
• Submit false, misleading, or fraudulent information in any form
• Attempt to gain unauthorized access to any portion of the Website or its underlying systems
• Use automated tools, bots, or scrapers to collect information from the Website
• Transmit any malicious code, viruses, or harmful content
• Interfere with or disrupt the Website's operation or servers
• Impersonate any person or entity
• Use the Website to solicit or market competing mortgage or financial services

We reserve the right to refuse service, terminate access, or take legal action against any user who violates these provisions.

6 Form Submissions & Lead Qualification

When you submit our qualification form, you:

• Confirm that all information provided is accurate and truthful to the best of your knowledge
• Consent to being contacted by Haystax Mortgage Canada via email or phone regarding your financing inquiry
• Acknowledge that submitting the form does not create a client-broker relationship until a formal engagement agreement is signed
• Understand that your information will be processed in accordance with our Privacy Policy

We aim to respond to all qualified inquiries within 24 business hours. Response times may vary during peak periods or holidays.

7 Not Financial or Legal Advice

You should not rely solely on information contained on this Website to make financial or investment decisions. We strongly recommend consulting with qualified legal counsel, accountants, and financial advisors before making any real estate investment or financing decisions.

While we strive to keep information current and accurate, mortgage products, CMHC program rules, and market conditions change frequently. We make no warranty that all information is up to date at any given time.

8 Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, design elements, and the Haystax Mortgage Canada brand, is the property of Haystax Mortgage (ON) Inc. Lic.#13169 or its licensors and is protected by Canadian and international intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Website without our prior written permission, except for personal, non-commercial use.

The Haystax name, logo, and all related marks are trademarks of Haystax Financial Inc. and are used under licence.

9 Limitation of Liability

To the maximum extent permitted by applicable law, Haystax Mortgage (ON) Inc. Lic.#13169 and its officers, directors, employees, agents, and affiliates shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, business opportunities, or goodwill
• Damages arising from reliance on information provided on this Website
• Damages resulting from unauthorized access to or alteration of your data
• Damages arising from financing not being approved or available

Our total liability to you for any claim arising under these Terms shall not exceed the amount of fees, if any, paid by you to us in the 12 months preceding the claim.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so the above limitations may not apply to you in full.

10 Third-Party Services

This Website integrates with third-party services including Formspree (form processing), GoHighLevel (CRM), and Google (analytics and advertising). Your use of these services is subject to their respective terms and privacy policies.

We are not responsible for the practices, content, or availability of any third-party websites linked from this Website. Links to external sites are provided for convenience only and do not constitute an endorsement.

11 Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law provisions.

Any dispute arising from these Terms or your use of the Website shall first be addressed through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration in accordance with the rules of the ADR Institute of Canada, with proceedings conducted in Toronto, Ontario, in the English language.

Nothing in this section prevents either party from seeking injunctive or other equitable relief from a court of competent jurisdiction.

12 Changes to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date. Material changes will be communicated via a notice on the Website homepage.

Your continued use of the Website after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Website.

13 Contact Us

If you have any questions about these Terms of Service, please contact us: