Disclaimer

Last Updated: January 23, 2026

This Disclaimer applies to all content, calculations, estimates, and information provided through the RateGuard Pro platform, website, and services (collectively, the "Service"). Please read this carefully before using the Service.

1. Penalty Calculations Are Estimates Only

IMPORTANT: All prepayment penalty calculations provided through the Service are estimates only. These estimates are based on publicly available information about general lender methodologies and may not reflect actual prepayment penalties.

Actual prepayment penalties vary significantly based on:

Specific mortgage contract terms
Lender-specific calculation methodologies
Current interest rates at time of discharge
Posted rates used by each lender
Individual borrower circumstances
Timing of the prepayment

You must verify all penalty amounts directly with the applicable lending institution before taking any action or providing advice to clients.

2. Savings and Opportunity Projections

All savings estimates, refinancing opportunity projections, and financial calculations provided through the Service are approximations based on current market conditions and various assumptions. These projections:

Are for informational and discussion purposes only
May not account for all fees, costs, or individual circumstances
Are subject to change based on market conditions
Do not guarantee qualification for any financing
Should be independently verified before making any decisions

3. Not Financial, Legal, or Mortgage Advice

The Service does not provide financial, legal, tax, investment, or mortgage advice. All information, calculations, and analyses are provided for general informational purposes only.

Nothing in the Service should be construed as:

A recommendation to take any particular action
An offer to provide mortgage financing
A guarantee of rates, terms, or qualification
Professional advice of any kind

4. User Responsibility

Users of the Service (mortgage professionals) are solely responsible for:

Exercising independent professional judgment
Verifying all information before relying on it
Confirming penalty amounts with lenders before advising clients
Ensuring advice provided to clients is appropriate for their circumstances
Compliance with all applicable laws, regulations, and professional standards
Accuracy of data uploaded to the Service

5. Rate Information

Interest rates displayed in the Service are indicative only and are subject to change without notice. Actual rates may vary based on qualification, property type, loan-to-value ratio, and other factors. Rates shown do not constitute an offer to lend.

6. No Warranty

The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that:

Any calculations or estimates will be accurate
The Service will meet your requirements
The Service will be uninterrupted or error-free
Any information will be current or complete

7. Limitation of Liability

To the maximum extent permitted by law, RateGuard Pro shall not be liable for any damages arising from:

Inaccuracy in penalty calculations or estimates
Reliance on information provided through the Service
Decisions made based on Service outputs
Any advice provided to clients using the Service

8. Third-Party Information

The Service may display information from third-party sources. We do not endorse or guarantee the accuracy of any third-party information. Use of such information is at your own risk.

9. Professional Consultation

Before making any financial decisions, clients should consult with qualified professionals including:

Licensed mortgage professionals
Financial advisors
Accountants
Lawyers

10. Contact

If you have questions about this Disclaimer, contact us at:

RateGuard Pro Inc.
Email: jeff@rateguardpro.ca
Website: https://rateguardpro.ca

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTOOD THIS DISCLAIMER.