Terms & conditions

Last updated: October 4, 2026

About these terms

These terms apply to your use of brightrate.ca, operated by [LEGAL NAME OF BUSINESS] in Quebec, Canada ("Brightrate", "we"). By using the site, you agree to them.

What Brightrate does

Brightrate publishes general information about mortgages and connects people with independent, licensed mortgage professionals. Brightrate is not a lender, mortgage broker or financial advisor, and does not make credit decisions.

No advice, no guarantee

Content on this site is general information, not financial, legal or tax advice. We don't guarantee any rate, approval, saving or outcome. Any mortgage offer comes from a lender, through the licensed professional you choose to work with.

Mortgage professionals

The professionals we connect you with are independent businesses. They are responsible for their own advice and services. You are free to decide whether to work with them, and there is no obligation to do so.

Your information

You agree to give accurate information in our forms. How we collect, use and share it is described in our privacy policy.

Using the site

Don't misuse the site, submit false information about someone else, or try to disrupt it. The Brightrate name, logo and content belong to us; please don't copy them without permission.

Limitation of liability

To the extent the law allows, Brightrate is not liable for losses arising from your use of the site or from services provided by third parties, including mortgage professionals and lenders. Nothing in these terms limits rights you have under Quebec or Canadian consumer protection law.

Governing law

These terms are governed by the laws of Quebec and the federal laws of Canada that apply there.

Changes and contact

We may update these terms. The date at the top shows the latest version. Questions: hello@brightrate.ca.