These Terms of Use ("Terms") govern your access to and use of Estima.ca. By using the site, you agree to these Terms. If you do not agree, please do not use the site.
1. Informational use only
Estima.ca is provided for general informational and educational purposes. Calculators, comparisons, rate listings, and content are estimates and references. They are not financial, legal, tax, accounting, or investment advice, and they are not an offer to lend.
2. Accuracy and changes
- Estimates may be inaccurate, incomplete, or out of date.
- Mortgage rates change frequently and may change without notice.
- We may add, modify, suspend, or remove content, features, or tools at any time without notice.
3. Verify everything independently
You must independently verify all mortgage rates, fees, eligibility requirements, amortization, insurance, prepayment terms, penalties, and other conditions directly with the relevant lender, mortgage broker, lawyer, accountant, or other qualified professional before making any financial decision.
4. Acceptable use
- Do not use the site for unlawful purposes or to infringe the rights of others.
- Do not attempt to disrupt, reverse engineer, scrape at scale, or overload the service.
- Do not misrepresent yourself or impersonate any person or organization.
5. Intellectual property
The Estima.ca name, brand, content, calculators, and source layout are owned by Estima.ca or its licensors. You may view and share content for personal, non-commercial purposes with attribution. All other rights are reserved.
6. Third-party content and links
Rate information and links to third parties (such as lenders or comparison sources) are provided for convenience. We do not endorse and are not responsible for third-party content, products, or services.
7. Disclaimer of warranties
The site is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.
8. Limitation of liability
To the maximum extent permitted by applicable law, Estima.ca and its operators, contributors, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or opportunity, arising from or related to your use of — or inability to use — the site, even if advised of the possibility of such damages. Our total aggregate liability for any claim shall not exceed CAD $100.
9. Indemnity
You agree to indemnify and hold Estima.ca harmless from any claim or demand arising out of your misuse of the site or your violation of these Terms.
10. Governing law
These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles.
11. Changes to these Terms
We may update these Terms from time to time. Continued use of the site after changes means you accept the updated Terms.
12. Contact
Questions about these Terms: contact@estima.ca.