Terms of Use

Effective Date: July 27, 2026

Welcome to the Annette Perry Mortgage Services website ("Site"). By accessing or using this Site, you agree to comply with these Terms of Use. If you do not agree with these terms, please discontinue use of the Site.

Annette Perry Mortgage Services reserves the right to update or modify these Terms of Use at any time without prior notice. Continued use of the Site after any changes constitutes your acceptance of the revised Terms.

Website Information

The information, articles, calculators, resources, blog posts, and other content available on this Site are provided for general informational and educational purposes only.

Nothing on this Site constitutes legal, accounting, tax, investment, or financial advice, nor should it be relied upon as a substitute for professional advice tailored to your individual circumstances.

Mortgage products, interest rates, lending guidelines, qualification requirements, and underwriting criteria are subject to change without notice and vary between lenders and borrowers.

You should consult appropriate legal, tax, accounting, or financial professionals before making significant financial decisions.

No Client Relationship

Use of this Site, including submitting a contact form, booking an appointment, sending an email, or requesting information, does not establish a broker-client relationship or guarantee mortgage approval.

A client relationship is established only after appropriate documentation has been completed and accepted in accordance with applicable mortgage brokerage regulations.

Accuracy of Information

Every effort is made to keep the information on this Site accurate and up to date. However, Annette Perry Mortgage Services makes no representations or warranties regarding the completeness, accuracy, reliability, or timeliness of any information published on this Site.

Information may be corrected, updated, or removed without notice.

Personal & Non-Commercial Use

This Site is intended solely for your personal, lawful, and non-commercial use.

You may view, download, or print material for your own personal reference.

You may not:

Copy, reproduce, or republish website content.
Modify, distribute, or commercially exploit any material.
Copy databases, client information, or proprietary resources.
Use automated software, bots, AI scraping tools, or similar technologies to collect information from this Site.
Attempt unauthorized access to secure areas, systems, or servers associated with this Site.

Unauthorized use may result in legal action.

Intellectual Property

Unless otherwise stated, all content on this Site—including text, graphics, logos, branding, photographs, documents, downloadable resources, videos, and website design—is the property of Annette Perry Mortgage Services and is protected under Canadian copyright, trademark, and intellectual property laws.

No content may be copied, reproduced, distributed, or published without prior written permission.

Acceptable Use

You agree not to use this Site:

For any unlawful purpose;
To interfere with the operation, security, or functionality of the Site;
To transmit viruses, malware, or other harmful software;
To collect or harvest personal information from other users;
To impersonate another person, business, or organization;
To interfere with other users' access to the Site.

Violation of these Terms may result in termination of access and any other remedies available under law.

Disclaimer of Warranties

This Site and all content are provided on an "as is" and "as available" basis.

Annette Perry Mortgage Services makes no express or implied warranties regarding:

Availability of the Site;
Accuracy of information;
Reliability of content;
Merchantability;
Fitness for a particular purpose; or
That the Site will be uninterrupted, secure, or free from errors or viruses.

Your use of this Site is entirely at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Annette Perry Mortgage Services shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from:

Your use of or inability to use this Site;
Reliance on information contained on this Site;
Errors, omissions, or inaccuracies;
Delays or interruptions in service;
Technical failures or security breaches beyond reasonable control.

This limitation applies regardless of the legal theory upon which any claim is based.

Third-Party Links

This Site may include links to third-party websites for your convenience.

Annette Perry Mortgage Services does not control, endorse, or guarantee the accuracy of information found on third-party websites and is not responsible for their content, products, services, or privacy practices.

Access to third-party websites is at your own risk.

Mortgage Calculators & Estimates

Mortgage calculators, payment estimates, affordability tools, and other financial calculators provided on this Site are intended for illustrative purposes only.

Results are estimates and should not be considered lending commitments, approvals, or financial advice. Actual mortgage qualification, payments, rates, and terms will depend on lender requirements and your individual financial circumstances.

Indemnification

You agree to indemnify and hold harmless Annette Perry Mortgage Services, its owner, employees, contractors, representatives, and service providers from any claims, damages, liabilities, costs, or expenses arising from your use of this Site or your breach of these Terms of Use.

Governing Law

These Terms of Use are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein.

Any dispute relating to these Terms shall be resolved exclusively in the courts of British Columbia.

Eligibility

This Site is intended for individuals who are at least 18 years of age.

The information provided is intended primarily for residents of Canada.

Privacy

Your use of this Site is also governed by the Privacy Policy, which explains how personal information is collected, used, disclosed, and protected.

Contact Information

If you have questions regarding these Terms of Use, please contact:

Annette Perry Mortgage Services
Kelowna, British Columbia

Email: annette@perrymortgage.ca

Website: www.perrymortgage.ca

Updates to These Terms

These Terms of Use may be updated periodically to reflect changes in applicable laws, regulations, business practices, or website functionality. The most current version will always be posted on this Site, and your continued use of the Site constitutes acceptance of any updates.