Terms of Use

These terms (the "Terms") govern your use of this website (hereinafter the "Website") owned and operated Zero Mortgage Canada Corporation (hereinafter “Zero Mortgage”), its subsidiaries and affiliated companies.  If you access and use the Website, you accept and agree to be bound by and comply with the Terms and any specific legal notices which appear hereunder.



All products and services of Zero Mortgage that are described, made available or provided on this Website may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the agreements governing their use that are in force at the time of the provision or delivery of the product or service, in addition to these Terms


The information, material and content provided in the pages of the Website including pricing information, (the "Information") is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and Zero Mortgage and its officers, directors, employees and agents have no obligation to update the Information. The Information or the Website may be changed, withdrawn or terminated at any time without notice.  Changes may be made to the Terms at any time without notice by updating this posting.


You agree to review the Terms regularly, and your continued access or use of the Website will mean that you agree to any changes.  Any submission by you of an application, instruction or other request on or through this Website is subject to acceptance by Zero Mortgage and can be refused or declined by Zero Mortgage and any financial service providers that it refers you to.


Zero Mortgage is an independent website that provides information and links to mortgage brokers and other service providers.  Zero Mortgage is not a mortgage broker, insurance broker, lender, or insurer. Information from third parties is not verified or guaranteed by Zero Mortgage. 


From time to time, Zero Mortgage will offer information about products and services on the Website. You may be able to access these products and services when you complete a request and either (i) get matched with potential  third party providers ("Provider" includes any third-party affiliate or finder of a Provider) who will respond with additional information and/or conditional offers for products or services or (ii) be provided with the name and information about potential Providers who may able to respond with the requested products or services or information about the requested products or services without any offers. The Providers that can provide you with conditional offers may not respond with offers until they communicate with you to get additional information.


Zero Mortgage is not a provider of products or services and does not make any decisions in connection with the products or services offered by Providers.  Zero Mortgage does not endorse or recommend the products or services of any particular Provider or any other third party on any of its Websites.  Zero Mortgage is not an agent of either you or any Provider.  Zero Mortgage’s services are limited to facilitating contact between site users and Providers. You should rely on your own judgment in deciding which available product or service and Provider best suits your needs and financial means. The Provider is solely responsible for its services to you, and you agree that Zero Mortgage will not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Providers may keep your request information and any other information provided by or through Zero Mortgage or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any particular Provider directly if you no longer want to receive communications from them.




Website Use

All persons using the Website may do so only for information purposes, to establish communication with Providers, or to solicit information or proposals from Providers.  By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a product or service through Zero Mortgage to each of the Providers to whom your request is transmitted. By submitting the request containing your electronic signature, you are extending an express invitation to each Provider to contact you by telephone at the numbers you have provided so they may assist you with your transaction (and you hereby consent to any such calls even if your phone number is on any Do Not Call list) or by e-mail at the e-mail address you provided or at another address that may be associated with you that we receive from Providers or other parties and you hereby consent to any such e-mail so it will not be considered spam or unauthorized by any applicable law or regulation. By saving your information with RateHub.ca or by doing a submission, you give RateHub.ca permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete requests, the delivery of request matches, deadlines, quality of services or other matters in connection with your request. For any product or service, you represent that all of the information you have provided in your submission and request is true and complete.


By submitting the request form, you authorize Zero Mortgage to provide information that you provided or that Zero Mortgage has or may receive from others to Providers or their finders. By submitting any form or request, you authorize Zero Mortgage to provide your information to Providers in accordance with the information or terms set out on that page. You also authorize Zero Mortgage and its Providers, to request from one or multiple credit bureaus /reporting agencies, your credit bureau report including any ancillary credit scores or ratings. Zero Mortgage is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect e-mail address provided by you or other technical problems beyond our reasonable control.



It is important to note that the products, services and Information made available or provided on the Website may or may not be available in jurisdictions outside of Canada. In addition, the Information does not constitute an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation, whether in Canada or elsewhere.


Please be aware of the laws of your province, state or country or that otherwise apply to you in relation to any of the matters described in the pages of the Website. If you choose to access the Website, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use, export or re-export the Information or any copy or adaptation thereof in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.


No Warranty

The Website is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information.


Zero Mortgage provides the Website and the Information on an "as is, where is" basis and does not make any express or implied warranties, representations, or endorsements with respect to the Website or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, Zero Mortgage does not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system.   You have sole responsibility for taking protection and backup of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.


Trademarks and copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs, or other content on the Website, are trademarks or trade names owned by Zero Mortgage or its Affiliates.  Zero Mortgage Affiliates are licensed to use the trademarks owned by Zero Mortgage. 


Nothing on this Website will be construed as conferring any licence of any intellectual property rights, whether by estoppel, implication or otherwise. All Information is for your personal use, provided such use includes a reference to the respective copyright and/or trademark notice or attribution as denoted on the pages copied. The Information may not otherwise be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Zero Mortgage or a Zero Mortgage Affiliate. The Information is protected under the copyright laws of Canada and other countries. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Website may be a violation of federal or other law that may apply to trademarks and/or copyrights, and such actions could subject the copier to legal action.




Information provided by You

You agree that any information or materials that you provide to Zero Mortgage or the Providers will become the sole property of Zero Mortgage.


Internet and E-mail Communications

Any unprotected e-mail communication over the Internet is, as with communication via other mediums (e.g. cellular phones, post office mail), not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information via these media. Zero Mortgage is not responsible for and will not be liable to you or anyone else for any damages in connection with an e-mail or text message sent by you to Zero Mortgage, or an email or text message sent by Zero Mortgage to you.


No liability

Zero Mortgage is not responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the Website or the Information, or your ability on inability to access or use the Website or the Information, or any action or decision made by you in reliance on the Website or the Information, or any errors in or omissions from the Website or the Information, or any unauthorized use or reproduction of the Website or the Information, even if Zero Mortgage, an Affiliate or Provider has been advised of the possibility of these damages.