Terms of Service

Last updated: 23rd January, 2025

Welcome to Morrison Financial (“Company”, “we”, “us”, or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, products, and services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

1. Eligibility

You must be at least 18 years of age or the age of majority in your province or territory to use the Services. By using the Services, you confirm that you meet this requirement.

2. Nature of Services

Morrison Financial provides financial-related information, tools, and services, which may include mortgage, lending, advisory, or informational services.

All information provided through the Services is for general informational purposes only and does not constitute legal, tax, or financial advice unless expressly stated otherwise in a written agreement.

3. Use of the Services

You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:

• Violate any applicable law or regulation

• Attempt to gain unauthorized access to systems or data

• Interfere with the operation or security of the Services

• Upload or transmit malicious software or harmful content

We reserve the right to suspend or terminate your access if these Terms are violated.

4. Accounts

If you create an account with us:

• You are responsible for maintaining the confidentiality of your credentials

• You are responsible for all activity under your account

• You agree to provide accurate and current information

Morrison Financial is not responsible for losses resulting from unauthorized account access.

5. Fees and Payments

Certain Services may require payment. All fees:

• Are disclosed before purchase

• Are payable in the applicable currency

• Are non-refundable unless otherwise stated

Failure to pay may result in suspension or termination of Services.

6. Intellectual Property

All content, trademarks, logos, designs, and materials related to the Services are owned by or licensed to Morrison Financial and are protected by Canadian and international intellectual property laws.

You may not reproduce, distribute, or exploit any content without prior written permission.

7. User Content

If you submit information or content:

• You retain ownership of your content

• You grant Morrison Financial a non-exclusive, royalty-free, worldwide license to use it solely to provide the Services

You are responsible for ensuring your content does not violate third-party rights or applicable laws.

8. Third-Party Services

The Services may link to or integrate with third-party websites or tools. Morrison Financial is not responsible for third-party content, policies, or practices. Use of third-party services is at your own risk.

9. Disclaimer of Warranties

The Services are provided “as is” and “as available.”
Morrison Financial makes no warranties, express or implied, including warranties of accuracy, reliability, or fitness for a particular purpose.

10. Limitation of Liability

To the maximum extent permitted by law, Morrison Financial shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Services.

Our total liability shall not exceed the amount paid by you (if any) in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Morrison Financial and its employees, directors, and partners from claims arising from:

• Your use of the Services

• Your breach of these Terms

• Your violation of any law or third-party rights

12. Termination

We may suspend or terminate your access at any time, with or without notice, if you violate these Terms or if the Services are discontinued.

13. Governing Law

These Terms are governed by the laws of Canada and the Province of Ontario, without regard to conflict of law principles.

14. Changes to These Terms

We may update these Terms from time to time. Continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

15. Contact Information

Company: Morrison Financial
Email: [Insert contact email]
Address: [Insert business address]