Terms of Service

These terms govern your use of this website, operated by Chinmay Kulkarni, a licensed Mortgage Agent Level 1 in Ontario. By using this site, you agree to the terms below.

No mortgage advice or guarantee

Content on this site is for general information only and does not constitute mortgage, financial, or legal advice, nor a commitment to lend. Rates, products, and lender availability change and are confirmed only through a direct consultation.

Independent agent, multiple lenders

Chinmay Kulkarni operates as an independent Mortgage Agent Level 1 with access to 40+ lenders and is not an employee or exclusive representative of any single lender.

Use of this site

• You won't misuse the site, attempt unauthorized access, or scrape content for commercial resale.
• Forms on this site are for genuine mortgage inquiries.
• All content, branding, and imagery on this site remain the property of Chinmay Kulkarni unless otherwise credited.

Third-party links

Links to lender or partner sites are provided for convenience. We aren't responsible for the content or practices of external sites.

Changes to these terms

These terms may be updated periodically. Continued use of the site after changes are posted means you accept the revised terms.

Contact

Questions about these terms? Reach out via the contact page.