Terms of Service

By accessing or using the website located at openfinancial.ca (the "Site"), you agree to be bound by these Terms of Service ("Terms"). These Terms apply to all visitors, users, and others who access or use the Site. If you do not agree with any part of these Terms, you may not access the Site.

The Site is operated by Garrison Capital Corp., operating as Open Financial ("Open Financial," "we," "us," or "our"), a licensed mortgage brokerage in the Province of Ontario (FSRA Brokerage License #13362).

The content on this Site is provided for general informational purposes only. It does not constitute financial, legal, tax, or mortgage advice, and should not be relied upon as such. Nothing on this Site creates a broker-client relationship or any other professional relationship unless you have entered into a written agreement with Open Financial.

Mortgage rates, terms, and lending criteria vary by lender, borrower, and market conditions. Information presented on this Site is subject to change without notice. Always consult a licensed mortgage professional before making any financial decisions.

Submitting information through our online assessment form or any contact form on this Site does not constitute a mortgage application, a commitment by any lender to provide financing, or a commitment by Open Financial to arrange financing. Submission of a form is an inquiry only. A licensed mortgage professional will review your situation and contact you to discuss your options. Open Financial makes no guarantee that any particular financing solution will be available.

You agree to use this Site only for lawful purposes and in a manner that does not:

• Infringe upon the rights of any third party
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the Site or its related systems or networks
• Interfere with or disrupt the integrity or performance of the Site
• Upload or transmit viruses or any other malicious code

We reserve the right to terminate your access to the Site at any time, without notice, for any conduct that we, in our sole discretion, believe violates these Terms or is harmful to other users, us, or third parties.

All content on this Site — including text, graphics, logos, images, and software — is the property of Open Financial or its content suppliers and is protected by applicable Canadian and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express prior written consent.

This Site may contain links to third-party websites for your convenience. These links do not constitute an endorsement by Open Financial of those sites or their content. We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

This Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Open Financial does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

To the maximum extent permitted by applicable law, Open Financial and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or its content — including but not limited to lost profits, lost data, or goodwill — even if Open Financial has been advised of the possibility of such damages.

In no event shall Open Financial's total liability to you for all claims arising out of or relating to these Terms or your use of the Site exceed the amount paid by you, if any, for accessing the Site in the twelve (12) months preceding the claim.

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices with respect to personal information.

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with a revised "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.

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