Terms of Service

Please read these Terms of Service (“Terms”) carefully before using our website.(“Website”) and the services provided by Karista Mortgage (“Company,” “we,” “us,” or “our”). By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access or use our Website.

1. Overview

1.1 Karista Mortgage operates as a mortgage broker, providing services to assist individuals and businesses in obtaining mortgage loans.

1.2 These Terms govern your use of our Website and services, including but not limited to the submission of information, accessing mortgage-related resources, and communication with Company representatives.

2. Use of the Website

2.1 Eligibility: By using our Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.

2.2 Account Creation: Some features of our Website may require you to create an account or fill out a form. You agree to provide accurate and complete information when creating an account or filling out the form, and you are solely responsible for maintaining the confidentiality of your account credentials.

2.3 Acceptable Use: You agree not to use our Website for any unlawful or unauthorized purpose. You shall not:

a) Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.

b) Collect or harvest any information from our Website without our prior written consent.

c) Interfere with or disrupt the operation of our Website or the servers or networks connected to it.

d) Engage in any activity that could damage, disable, overburden, or impair our Website or interfere with any other party’s use and enjoyment of our Website.

e) Attempt to gain unauthorized access to our Website, user accounts, computer systems, or networks.

3. Services

3.1 Mortgage Broker Services: We assist individuals and businesses in obtaining mortgage loans by connecting them with lenders and facilitating the mortgage application process.

3.2 Information Accuracy: While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of any information or content provided on our Website. You acknowledge that any reliance on such information is at your own risk.

3.3 Third-Party Services: Our Website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Your interactions with third-party websites or services are solely between you and the third party.

4. Privacy

4.1 Privacy Policy: Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and disclose personal information.

4.2 Communications: By using our Website, you consent to receive communications from us, including but not limited to emails, messages, and notifications. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

5. Intellectual Property

5.1 Ownership: All content, materials, and features available on our Website, including but not limited to text, graphics, logos, images, audio clips, videos, software, and the arrangement thereof, are the property of Company or its licensors and are protected by applicable copyright, trademark, and other intellectual property laws.

5.2 Limited License: We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Website for personal, non-commercial purposes. You may not modify, distribute, reproduce, publicly display, or create derivative works based on any part of our Website unless expressly authorized by us in writing.

6. Disclaimer of Warranties

6.1 Our Website and services are provided on an “as is” and “as available” basis without any warranties or representations, express or implied. We do not warrant that our Website will be error-free, secure, or uninterrupted, or that any defects or errors will be corrected.

6.2 We do not endorse, guarantee, or make any representations regarding the accuracy, reliability, or effectiveness of any advice, opinion, statement, or other information displayed or distributed through our Website.

7. Limitation of Liability

7.1 To the maximum extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to loss of profits, data, or other intangible losses arising out of or in connection with your use of our Website or services.

8. Indemnification

8.1 You agree to indemnify and hold harmless Company, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees and costs, arising out of or in any way connected with your use of our Website or services or violation of these Terms.

9. Modifications to the Terms

9.1 We reserve the right to modify these Terms at any time, in our sole discretion. We will provide notice of any material changes by posting the updated Terms on our Website or by sending you an email notification. Your continued use of our Website after such modifications constitute your acceptance of the revised Terms.

10. Governing Law and Jurisdiction

10.1 These Terms shall be governed by and construed in accordance with the laws of British Columbia, Canada. Any legal suit, action, or proceeding arising out of or related to these Terms or your use of our Website shall be commenced exclusively in the provincial or federal courts located within British Columbia, Canada, and you hereby consent to the personal jurisdiction and venue of such courts.

11. Contact Us

11.1 If you have any questions about these Terms, please contact us at info@karista.ca.

By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

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