Welcome to the City Wide Financial Corporation dba The Mortgage Centre-City Wide User Agreement. This Agreement describes the terms and conditions applicable to your use of our services at the www.mortgagecentrecitywide.com, www.citywidefinancial.ca and www.mortgagecentrecitywide.com Internet sites.

About the Company

The primary mandate of City Wide Financial Corporation dba The Mortgage Centre-City Wide is to provide comprehensive mortgage services to clients. We operate under the provincial statutes of British Columbia and the federal laws of Canada.

Mortgage Brokers - Fees and Services

For traditional conforming applications, City Wide Financial Corporation dba The Mortgage Centre-City Wide will not charge a fee for our services to place a client's application with a mortgage lender. We would be receiving a finder's fee from the mortgage lender that we place the client's mortgage with which acts as compensation for our services. However, non-traditional applications may be subject to a lender's fee and/or a brokerage fee charged by us. These fees would be disclosed and written consent received prior to them being collected.

In all cases, unless confirmed in writing, the client is responsible for any and all costs associated with having the application approved. This includes, but not limited to, CMHC/GEMI charges, property appraisals, survey certificates, title insurance, and legal costs.

Limitation of Liability

Information provided on the Web site is believed to be accurate, but there is no guarantee it is accurate, current, or complete. While we shall endeavor to ensure accurate and timely content, City Wide Financial Corporation dba The Mortgage Centre-City Wide cannot assume any responsibility whatsoever with respect to any content including its accuracy or timeliness. This disclaimer of liability applies to any damages, injury or stress caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure or other cause of action. City Wide Financial dba The Mortgage Centre-City Wide nor any of its affiliates or respective employees, agents, third party content providers or licensors warrant that this Web service will be uninterrupted or error free.

This Web site may include inaccuracies or typographical errors. City Wide Financial Corporation dba The Mortgage Centre-City Wide do not warrant the quality, reliability, accuracy or completeness of any information, calculators or tools on this Web site. Such information, calculators and tools are provided "as is" without warranty or condition of any kind.

Security

This website is secured using Thawte's 128-Bit SSL Encryption, the strongest encryption available at the time of it's design.

The online application provided on the website uses the above noted security feature. However, all applicants acknowledge that it is their responsibility to protect their sensitive financial information by declining to transmit it on the secure application. Any applicant hesitant to provide personal information over the Internet are encouraged to make an application by phone, fax or in person with a Mortgage Consultant.

Unencrypted e-mail communications over the Internet are not secure. We do not encourage anyone to send personal financial information to us using unencrypted e-mail.

Web Content and Materials

No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Web site. References to any supplier's products or services are not endorsements or approval of such products or services.

Copywrite Notice

This Web site is protected under the copyright laws of Canada and other countries and City Wide Financial Corporation dba The Mortgage Centre-City Wide shall legally enforce its rights concerning the content contained herein. Except for personal or non-commercial use, no person has permission to republish or reproduce the contents in any form or by any means without prior written consent from City Wide Financial Corporation dba The Mortgage Centre-City Wide.

Use of this Site

This Web site is offered to you conditional upon acceptance by you of the terms and conditions set out below as well as any amendments or additional terms, policies or procedures published on this Web site from time to time by City Wide Financial Corporation dba The Mortgage Centre-City Wide. You should check these terms and conditions from time to time to keep informed of any such amendments or additions.

By accessing and using this Web site, you are deemed to have agreed to these terms and conditions.

1) You are of legal age and have the legal right to enter into this agreement and to use this Web site in accordance with all terms and conditions herein.

2) All information supplied by you or members of your household to City Wide Financial Corporation dba The Mortgage Centre-City Wide or its suppliers through this Web site shall be true and accurate.

3) This Web site is available only in those jurisdictions where permitted by law. This agreement between you and is governed by the laws of the Province of British Columbia, Canada and the federal laws of Canada.

4) The disclaimers, terms and conditions on this page are of general application and may be supplemented by additional disclaimers, terms or conditions of specific application on a particular page of this Web site.

5) This Web site is being provided to you to permit you to determine the availability of certain financial products and services and to facilitate your dealings with certain suppliers of these products or services. No warranty is provided by City Wide Financial Corporation dba The Mortgage Centre-City Wide.
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6) Products and services accessed through this Web site are available only in those provinces and territories in Canada where they may be legally offered by the respective mortgage lender.

7) The information, calculators and tools provided on this Web site are not intended to be specific legal, financial or mortgage advice for any individual and should not be relied upon. Many factors unknown to us may affect the applicability of any statement or comment that we make on this Web site to your particular circumstances. When using any information, calculators and tools provided on this Web site for any financial purpose, City Wide Financial Corporation dba The Mortgage Centre-City Wide advises you to consult a qualified professional to verify its accuracy and application to you.