Welcome to the Vortex Finance website. By accessing the site vortexfinance.ca, browsing it, or submitting an application through it,

you accept these terms and conditions.

If you do not accept these terms, please do not use this site.

1. Purpose of the Site

The Vortex Finance website aims to present financing-related services, including private mortgage financing, refinancing,

debt consolidation, renovation loans, purchase loans, first- or second-lien mortgages, as well as other financial solutions

that may be offered depending on the client’s file.

The information presented on the site is provided for informational purposes only and does not constitute a firm offer, automatic approval,

or commitment to finance.

2. No Guarantee of Approval

Any application submitted to Vortex Finance is subject to a full review. Completing a form, submitting documents,

or communicating with Vortex Finance does not guarantee loan approval, obtaining a specific rate, or the availability of funds.

Final approval depends, among other things, on the property’s value, the applicant’s financial situation, available collateral,

the documents provided, internal policies, lender requirements, and applicable laws.

3. Accuracy of Information Provided

The user agrees to provide accurate, complete, and up-to-date information. Any false, incomplete, misleading, or fraudulent information

may result in the denial, suspension, or cancellation of an application.

Vortex Finance reserves the right to request additional documents to verify identity, financial situation, property,

income, debts, or any other relevant information.

4. Services Offered According to Jurisdiction

The services presented on this site may or may not be offered depending on the province, state, territory, or country of the user’s residence.

Laws, regulations, licensing requirements, financing conditions, disclosure rules, and legal obligations may vary in Canada,

the United States, Mexico, and any other jurisdiction in North America.

Accessing the site from a given jurisdiction does not mean that Vortex Finance’s services are available, authorized, or compliant

with local laws. Vortex Finance reserves the right to refuse an application, limit certain services, or not offer its services in

some jurisdictions when required by law, by its internal policies, or by its financial partners.

5. Not Financial, Legal, or Tax Advice

The site content is provided for informational purposes only. It does not constitute personalized financial, legal, tax, accounting, or real estate advice.

Before making an important financial decision, the user should consult a qualified professional, such as a financial advisor, a lawyer,

a tax specialist, a mortgage broker, or any other appropriate expert.

6. Financing Conditions

Loan amounts, rates, fees, repayment terms, required collateral, processing times, and approval conditions may vary for each file. Any official financing offer, where applicable, will be communicated in writing and must be accepted according to the specified terms.

The information displayed on the site may be changed without notice and should not be interpreted as a guarantee of future conditions.

7. Client Fees and Obligations

Certain applications may incur fees, including appraisal fees, notary fees, brokerage fees, administrative fees,

prepayment penalties, or any other applicable fees depending on the file.

When fees apply, they will be disclosed to the client in accordance with applicable laws before entering into an official agreement.

8. Use of the Site

The user agrees to use the site legally, responsibly, and in accordance with these terms.

It is prohibited to :

- submit false information;

- use the site for fraudulent purposes;

- attempt unauthorized access to the site’s systems;

- disrupt the site’s operation;

- copy, reproduce, or exploit the content without authorization;

- use the site in a manner contrary to applicable laws.

9. Intellectual Property

All site content, including texts, images, logos, trademarks, graphic elements, videos, forms, layouts, and promotional content,

belongs to Vortex Finance or its suppliers, unless stated otherwise.

Any reproduction, modification, distribution, publication, or commercial use of the content without prior written authorization is prohibited.

10. External Links

The site may contain links to third-party sites. These links are provided only for convenience.

Vortex Finance is not responsible for the content, policies, security, accuracy, or practices of these external sites.

11. Privacy

Using the site may result in the collection of personal information, particularly when the user completes a form or communicates with

Vortex Finance.

Such information may be used to analyze an application, communicate with the user, verify certain information,

share a file with financial partners, or comply with legal obligations.

The use of personal information is governed by Vortex Finance’s privacy policy.

12. Cookies and Similar Technologies

The site may use cookies or other similar technologies to improve the user experience,

analyze site performance, secure browsing, or personalize certain content.

The user can manage cookie preferences from their browser settings or from consent tools available on the site, when offered.

13. Security

Vortex Finance implements reasonable measures to protect information transmitted by the user. However, no data transmission over the Internet can be guaranteed to be completely secure.

The user acknowledges that they transmit their information at their own risk.

14. Limitation of Liability

Vortex Finance cannot be held liable for direct, indirect, incidental, special, or consequential damages arising from the use of the site,

the inability to access it, a technical error, a service interruption, inaccurate information, or a decision made based on the site’s content.

15. Site Availability

Vortex Finance does not guarantee that the site will be accessible at all times, without interruption or error.

The site may be modified, suspended, updated, or discontinued at any time, without notice.

16. Changes to the Terms

Vortex Finance reserves the right to modify these terms and conditions at any time.

The version posted on the site constitutes the current version. Continued use of the site after a modification means that the user accepts the new terms.

17. Governing Law and Territory

These terms are governed by the laws of the jurisdiction where Vortex Finance carries out its main activities, as well as by applicable federal laws.

These terms are designed for general use in North America but must be interpreted in accordance with the laws applicable in each province, state, territory, or country concerned.

In case of conflict between these terms and a mandatory local law, that local law will prevail only to the extent required.

Any dispute relating to the use of the site or the services offered will be submitted to the competent courts of the jurisdiction where Vortex Finance carries out its main activities, unless otherwise provided by applicable law.

18. Contact

For any questions regarding these terms and conditions, you can contact:

Vortex Finance