Please read these Terms of Service carefully before using this website. By accessing or using this website, watching the video, using any calculator or tool on it, or booking a call through it, you agree to these terms. If you do not agree, please do not use this website.
Who Operates This Website
This website is operated by Carnelee Ltd.
Mortgage services referenced on this website are provided by Sai Lee, Mortgage Agent Level 1 (Licence #M17002009), of MORTGAGEGUYS.com, Brokerage Licence #12645, 100 Gordon Street, Guelph, Ontario N1H 4H6.
What This Website Is
This website provides general educational information about mortgage options for self-employed people in Canada. The video, calculators, examples, and written content are for illustration and education only.
Nothing on this website is:
- A pre-approval or a commitment to lend
- A guarantee that you will qualify for a mortgage or for any particular amount
- A mortgage quote or an offer of credit
- Financial, legal, accounting, or tax advice
Every mortgage file is different. Whether you qualify, and on what terms, depends on your income, credit, property, down payment, and the criteria each lender applies at the time you apply. Lender programs, rates, and criteria change without notice. All mortgages are subject to lender approval.
No Broker-Client Relationship
Using this website, watching the video, or booking a call does not create a broker-client relationship. A broker-client relationship is only created when you formally engage the brokerage and complete the required documentation.
Booking a call is free, is not a mortgage application, and does not involve a credit check. You are under no obligation to proceed after a call.
Calculators and Illustrations
Any calculator or comparison tool on this website is an illustration tool only. It uses simplified assumptions and does not account for your complete financial picture, including credit score, mortgage default insurance, existing properties, or the specific criteria of individual lenders.
Any tax figures shown are simplified Ontario estimates for illustration and are not tax advice. Speak with your accountant about your actual situation.
Rates shown are illustrative averages at the time of publication or recording, and your actual rate may be different.
Results produced by any calculator on this website are estimates only and must not be relied on as a quote, an approval, or a prediction of what you will qualify for.
Client Examples and Results
Client examples shown on this website reflect real outcomes for real clients. They are shared as examples only. Past client results do not guarantee or predict your results.
Intellectual Property
All content on this website, including the video, calculators and their underlying logic and calculations, written copy, graphics, layout, and branding, is owned by Carnelee Ltd and is protected by copyright and other intellectual property laws.
You may view and share links to this website. You may not:
- Copy, reproduce, republish, or distribute any content from this website
- Download, record, re-upload, or redistribute the video
- Copy, replicate, reverse engineer, or build a derivative version of any calculator or tool on this website
- Scrape, harvest, or use automated tools to extract content or data from this website
- Use any content from this website for your own commercial purposes
All rights not expressly granted are reserved.
Third Party Links and Services
This website links to third party services, including a scheduling service used to book calls. Those services are operated by other companies under their own terms and privacy policies. We are not responsible for the content, practices, or availability of third party services.
Your Use of This Website
You agree not to use this website in any way that is unlawful, that interferes with its operation or security, or that attempts to gain unauthorized access to any part of it or to any related systems.
Availability
We aim to keep this website available and accurate, but we do not guarantee it will be uninterrupted, error free, or current at all times. We may change, suspend, or remove any part of this website at any time without notice.
Limitation of Liability
To the fullest extent permitted by law, Carnelee Ltd and its directors, officers, and representatives are not liable for any loss or damage arising from your use of, or reliance on, this website or its content, including any decision you make based on a calculator result or any information presented here.
Nothing in these terms limits any liability that cannot be limited or excluded under applicable law, including obligations owed under Ontario mortgage brokerage legislation.
Privacy
Your use of this website is also governed by our Privacy Policy, which explains what information we collect and how we use it.
Changes to These Terms
We may update these Terms of Service from time to time. The current version is always posted on this page with the date it was last updated. Continuing to use this website after changes are posted means you accept the updated terms.
Governing Law
These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada that apply in Ontario. Any dispute will be dealt with by the courts of Ontario.
Contact
Sai Lee, Carnelee Ltd.
[email protected]