Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by MBR Mortgages and Ryan Gurgis, Mortgage Agent Level 1 (License #M25003110), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and all applicable laws and regulations.

If you do not agree with any part of these terms, you must not use our services.

2. Services Provided

MBR Mortgages, operating under Breezeful Mortgage Brokerage (#13470), provides mortgage brokerage services including but not limited to:

• Mortgage pre-approvals and applications
• Refinancing and renewal consultations
• Investment property financing
• Mortgage advice and financial guidance

3. Professional Licensing

Ryan Gurgis is a licensed Mortgage Agent Level 1 (License #M25003110) operating under Breezeful Mortgage Brokerage (#13470). All services are provided in accordance with provincial and federal mortgage brokerage regulations in Canada.

4. Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information for mortgage applications
• Respond to requests for documentation in a timely manner
• Notify us immediately of any changes to your financial situation
• Review all documentation and disclosures carefully before signing

5. Privacy and Confidentiality

We are committed to protecting your personal information. All client data is handled in accordance with applicable privacy laws and regulations. Your information will only be shared with lenders and relevant parties for the purpose of securing mortgage financing.

6. Disclaimer of Warranties

While we strive to provide accurate information and professional service:

• Mortgage approval is subject to lender criteria and is not guaranteed
• Interest rates and terms are subject to change without notice
• We do not guarantee specific rates or approval outcomes

7. Limitation of Liability

MBR Mortgages and Ryan Gurgis shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services or inability to obtain mortgage financing.

8. Compensation and Fees

Our compensation is typically paid by the lender upon successful mortgage funding. Any fees payable by the client will be clearly disclosed in writing prior to service commencement. There is no obligation to proceed if you do not agree with the fees disclosed.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of any modifications.

10. Governing Law

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.

11. Contact Information

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