Terms of Service

Effective date: February 12, 2026

Welcome to LendingSchool.ca (the “Site”). These Terms of Service (“Terms”) govern your access to and use of the Site and related services (including forms and our AI Assistant).

By using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Who we are (and are not)

LendingSchool.ca is an educational and lead-generation platform focused on the Canadian private mortgage market. We are not a lender, mortgage broker, or licensed mortgage agent; we do not provide legal, tax, or financial advice, and we do not issue financing offers or commitments.

Based on the information you submit, we may introduce you to independent licensed mortgage professionals (such as brokers/agents) who can contact you and provide their services.

Eligibility and rules of use

  • You must be at least 18 years old and able to form a legally binding agreement.
  • You agree to use the Site only for lawful purposes and in compliance with applicable laws (including anti-spam, privacy, and consumer-protection laws).
  • You may not attempt to bypass security, disrupt the Site, scrape at a rate that degrades service, or access systems/data without authorization.

Lead referrals and consent to contact

When you submit a form, you are requesting an introduction. You understand and agree that we may share your information with matched licensed mortgage professionals so they can contact you by email and (if provided) phone/text.

We do not guarantee funding, rates, terms, or approval outcomes. Financing decisions and terms are determined by third parties and applicable lenders.

In some cases, we may receive referral fees or other compensation from third parties.

AI Assistant

The AI Assistant (chat tool) is for general education only—it is NOT professional advice, personalized to your situation, or a mortgage offer. Responses may be inaccurate or outdated.

DO NOT submit in chat: government-issued IDs, full card numbers, Social Insurance Numbers (SINs), or health information. You are responsible for what you share.

Always verify important information with licensed professionals before making decisions. By using this tool, you accept these limitations and responsibility for your own decisions.

Third-party sites and services

The Site may link to third-party websites, products, or services. Third-party content and services are governed by their own terms and privacy policies, and we are not responsible for them.

Intellectual property

Unless stated otherwise, Site content (including text, graphics, branding, and arrangement) is owned by us or our licensors and protected by intellectual property laws.

  • You may access and print a reasonable amount of content for personal, non-commercial use.
  • You may not copy, republish, sell, or otherwise commercialize Site content without our written permission.

Disclaimers

  • The Site is provided “as is” without warranties of any kind (including merchantability, fitness for a particular purpose, and non-infringement).
  • Rates, fees, calculators, and educational content are illustrative only and do not constitute offers, commitments, or advice.
  • Private mortgages can involve higher costs and significant risk. Consult a licensed professional before making decisions.

Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of (or inability to use) the Site or from third-party professionals/lenders and their outcomes.

Indemnity

You agree to indemnify and hold us harmless from claims, liabilities, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms, misuse of the Site, or violation of third-party rights.

Termination

We may suspend or terminate access to the Site at any time for any reason (including security, abuse, or compliance) without prior notice.

Governing law and venue

These Terms are governed by the laws of the Province of Ontario and applicable federal laws of Canada. Disputes relating to these Terms will be brought in the courts of Ontario, Canada, to the extent permitted by law.

Privacy

Our collection and use of personal information is described in our Privacy Policy. Please review the Privacy Policy.

Changes to these Terms

We may update these Terms from time to time. Updates will be posted on this page and reflected in the effective date. Continued use after updates means you accept the updated Terms.

Contact

Questions about these Terms can be sent through the Site or via any contact details we publish on the Site.