Terms of Use

These Terms of Use (the "Terms") govern your access to and use of the website located at newcastle.financial (the "Site"), operated by Newcastle Financial Corporation ("Newcastle Financial", "we", "us", or "our"). Newcastle Financial is licensed as a Mortgage Brokerage in Ontario under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (FSRA Licence No. 13522).

By accessing or using this Site, you agree to be bound by these Terms. If you do not agree, please do not use this Site.

1. Nature of Information — Not Financial or Legal Advice

The content on this Site, including articles, calculators, rate information, and guides, is provided for general informational purposes only. It does not constitute financial advice, mortgage advice, legal advice, or any other professional advice.

Nothing on this Site should be relied upon as a substitute for a consultation with a qualified mortgage professional, lawyer, accountant, or other licensed advisor. Mortgage rates, market conditions, and regulatory requirements change frequently. You should verify all information independently before making any financial decision.

2. No Guarantee of Rates or Results

Any mortgage rates, payment estimates, or savings figures referenced on this Site are illustrative only and are not offers or guarantees. Actual rates and terms depend on individual circumstances, lender criteria, credit history, property type, and market conditions at the time of application.

The mortgage calculators and affordability tools on this Site are provided for estimation purposes only. Results are not binding and do not represent a pre-approval, approval, or commitment to lend.

3. Acceptable Use

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the Site in any way that violates applicable local, provincial, or federal law or regulation
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Scrape, crawl, or systematically extract data from the Site without our express written permission
• Use the Site to impersonate any person or entity, or misrepresent your affiliation with any person or entity

4. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Newcastle Financial Corporation or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or exploit any content from this Site without our prior written consent, except for personal, non-commercial use where you retain all copyright and other proprietary notices.

5. Third-Party Links

This Site may contain links to third-party websites, including lender websites, government resources, and external tools. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party site. You access third-party sites at your own risk.

6. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this Site, you consent to the collection and use of your information as described in our Privacy Policy. Newcastle Financial handles personal information in accordance with applicable Canadian privacy legislation, including PIPEDA and Ontario law.

7. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. To the fullest extent permitted by law, Newcastle Financial disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranty regarding the accuracy, completeness, or timeliness of any content on the Site.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Newcastle Financial Corporation, its directors, officers, employees, and agents 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 any content on it — including reliance on rate estimates, calculator results, or any information provided — regardless of the theory of liability and even if we have been advised of the possibility of such damages.

9. Governing Law

These Terms are 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 this Site shall be subject to the exclusive jurisdiction of the courts of Ontario.

10. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.