Legal Documentation
Terms of Service
Last Updated: 2024
|Jurisdiction: Quebec, Canada
Legal Disclaimer
This document is a standard template for informational purposes regarding the differences between fixed and variable mortgage rates in Canada. It does not constitute legal or financial advice. Brass Home is not a licensed mortgage brokerage in all jurisdictions; please consult with a qualified professional before making financial decisions.
1. Acceptance of Terms
By accessing and using the website operated by Brass Home, located in Montreal, Quebec, you agree to be bound by these Terms of Service, all applicable laws and regulations in the Province of Quebec, and federal laws of Canada. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
The materials contained in this website are protected by applicable copyright and trademark law. These terms apply to all visitors, users, and others who access or use the Service.
2. Scope of Services
| Service Category | Description |
|---|---|
| Rate Comparison | Algorithmic analysis of fixed vs. variable mortgage rates based on current Bank of Canada trends. |
| Stress Test Logic | Simulated calculations based on the Federal Stress Test Algorithm for Canadian homeowners. |
| Educational Content | Manuals on prepayment protocols, liquidation, and renewal cycles specifically for the Montreal market. |
3. User Conduct and Prohibitions
Permitted Use
- Personal, non-commercial research
- Educational comparison of mortgage products
- Downloading one copy of manuals for offline viewing
Strictly Prohibited
- Web scraping or automated data extraction
- Redistribution of technical glossary data
- Bypassing the Stress Test logic security layers
4. Intellectual Property Rights
The Service and its original content (excluding content provided by users), features, and functionality are and will remain the exclusive property of Brass Home and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Brass Home.
Specific algorithms used in the Federal Stress Test Algorithm section are proprietary intellectual property.
5. Disclaimer of Warranties
THE MATERIALS ON BRASS HOME'S WEBSITE ARE PROVIDED ON AN 'AS IS' BASIS. BRASS HOME MAKES NO WARRANTIES, EXPRESSED OR IMPLIED, AND HEREBY DISCLAIMS AND NEGATES ALL OTHER WARRANTIES INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR OTHER VIOLATION OF RIGHTS.
6. Limitation of Liability
In no event shall Brass Home or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Brass Home's website, even if Brass Home or a Brass Home authorized representative has been notified orally or in writing of the possibility of such damage.
Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
7. Governing Law and Jurisdiction
Any claim relating to Brass Home's website shall be governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
| Primary Legislation | Civil Code of Québec (CCQ) |
| Consumer Protection | Consumer Protection Act (Quebec) |
| Privacy Standard | Law 25 (formerly Bill 64) & PIPEDA |
8. External Documentation
9. Contact and Entity Information
Company Brass Home
Address 1250 René-Lévesque Blvd W, Montreal
Phone +1 (808) 924-6461