Terms of Service

Last updated: March 2026

1. Acceptance of Terms

By accessing and using the Pathway Mortgage website (pathwaymortgage.ca), you accept and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use this website.

2. About Our Services

Pathway Mortgage is a mortgage team operating under Get A Better Mortgage (FSRA Licence #10874), a licensed mortgage brokerage in the province of Ontario. We provide mortgage brokerage services including rate comparison across multiple lenders, mortgage application assistance, renewal and refinancing guidance, and commercial mortgage services. We act as intermediaries between borrowers and lenders — we are not a lender ourselves.

3. Not Financial Advice

Information presented on this website, including rates, calculations, and educational content, is provided for general informational purposes only and does not constitute financial, legal, or tax advice. Mortgage calculations and rate comparisons displayed on this website are estimates and may not reflect the actual rates, terms, or conditions available to you. Always consult with a licensed mortgage professional before making financial decisions.

4. Rate Information

Mortgage rates displayed on this website are subject to change without notice and are provided for illustrative purposes. Actual rates depend on factors including credit score, property type, down payment, amortization period, and lender requirements. Rates shown may include conditions such as being applicable only to insured, owner-occupied properties. All rate advertising complies with FSRA advertising requirements.

5. User Submissions

When you submit information through our forms (contact form, mortgage review, callback request, or newsletter signup), you consent to our collection and use of that information as described in our Privacy Policy. You agree to provide accurate and complete information. Submitting false or misleading information may result in your inquiry being rejected.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Pathway Mortgage or its licensors and is protected by Canadian copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from this content without prior written consent.

7. Limitation of Liability

To the maximum extent permitted by law, Pathway Mortgage and Get A Better Mortgage shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on information provided herein. This includes, without limitation, damages arising from errors in rate calculations, unavailability of services, or decisions made based on website content.

8. External Links

This website may contain links to third-party websites (such as the FSRA verification portal). We are not responsible for the content, privacy practices, or availability of these external sites.

9. Regulatory Compliance

Pathway Mortgage operates in compliance with the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA), the Financial Services Regulatory Authority of Ontario (FSRA) regulations, the Personal Information Protection and Electronic Documents Act (PIPEDA), and all other applicable federal and provincial legislation.

10. Governing Law

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website following any changes constitutes acceptance of the revised terms.

12. Contact

For questions about these Terms of Service, contact us at:

Pathway Mortgage
Powered by Get A Better Mortgage Lic #10874
Toronto, Ontario
Email: info@pathwaymortgage.ca