Terms and Conditions

Effective Date: July 3, 2025

Welcome to Merge Mortgage Group ("Company", "we", "our", or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website and services (collectively, the "Services"). By accessing or using the Services, you agree to comply with and be bound by these Terms. If you do not agree, please discontinue use of our Services.

1. About Merge Mortgage Group

At Merge Mortgage Group, we handle what is likely the most significant financial investment of your life—your home—by delivering the superior customer service you deserve. Based in Canada, we specialize in mortgage planning, refinancing, real estate financing solutions, and personalized mortgage advice.

2. Eligibility

You must be at least the age of majority in your province or territory and legally capable of entering binding contracts to use our Services.

3. Services We Provide

We provide:

  • Mortgage pre-approvals

  • New home purchase and refinancing solutions

  • Mortgage renewals and transfers

  • Access to lending products via third-party lenders

  • Personalized mortgage consulting and client support

All services are subject to lender approval and individual eligibility.

4. No Financial or Legal Advice

All content and services are intended for informational purposes only and should not be considered financial, legal, or real estate advice. Please consult appropriate licensed professionals before making decisions based on information from us.

5. Customer Commitment

We are committed to transparency, professionalism, and exceptional service. However, we do not guarantee loan approval or specific lending terms, which are subject to lender criteria and credit assessment.

6. Privacy Policy

Your use of our Services is also governed by our [Privacy Policy], which outlines how we collect, use, and protect your personal information in accordance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

7. Third-Party Lenders and Partners

We work with multiple lenders and service providers. While we strive to connect you with competitive rates and products, we are not responsible for the terms, policies, or practices of third parties. Your engagement with them is solely between you and the third party.

8. User Conduct

You agree to use our Services lawfully and not to:

  • Provide false or misleading information

  • Interfere with website functionality or security

  • Use our platform to distribute unsolicited or harmful content

9. Intellectual Property

All website content, including logos, branding, text, images, and other materials, are the property of Merge Mortgage Group and protected by applicable copyright and trademark laws. You may not copy, reproduce, or reuse content without written consent.

10. Limitation of Liability

To the fullest extent permitted by Canadian law, Merge Mortgage Group is not liable for any indirect, incidental, or consequential damages arising from your use—or inability to use—our Services.

11. Indemnification

You agree to indemnify and hold Merge Mortgage Group, its affiliates, staff, and representatives harmless from any claims or damages arising from your breach of these Terms.

12. Governing Law

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada. Any disputes shall be resolved in the courts located in Lethbridge, Alberta.

13. Changes to These Terms

We reserve the right to revise these Terms at any time. We encourage you to review them periodically. Your continued use of our Services after changes are made constitutes your acceptance.

14. Contact Us

If you have questions about these Terms or need further assistance, please contact:

Merge Mortgage Group
1221 2 Ave S
Lethbridge, Alberta
Canada T1J 0E4
Email: jarrod@mergemortgage.ca
Phone: (587) 370-4311