Terms & Conditions (Including Disclosures & Disclaimers)

Effective Date: March 24, 2026

1. Brokerage Disclosure & Licensing

Terry Batth is a licensed Sub-Mortgage Broker (BCFSA License #502423) registered with DLC A.I.M.I. Collective Mortgage Group, an independently owned and operated mortgage brokerage. All mortgage business is conducted through the brokerage.

2. No Mortgage Guarantee (OAC)

All mortgage approvals, interest rates, and terms are On Approved Credit (OAC).

Rates and products are subject to change without notice.
Submission of an application or inquiry through this website does not constitute a mortgage approval or a commitment to lend.
Final approval is subject to lender criteria, property appraisal, and income verification.

3. Accuracy of Information

While we strive for accuracy, the mortgage market in British Columbia and Canada moves fast. Information on this website regarding rates, stress tests, or qualifying criteria is for informational purposes only and may not reflect the most current lender or regulatory changes.

4. Use of Website & Tools

The mortgage calculators and tools provided on terrybatth.com are for estimation purposes only. They do not account for all closing costs, taxes, or specific lender fees. Terry Batth and DLC A.I.M.I. Collective Mortgage Group are not liable for any financial decisions made based on these estimates.

5. Third-Party Links

Our website may link to third-party tools (e.g., Canadian Mortgage App, Lender Spotlight). We are not responsible for the content, privacy policies, or accuracy of these external platforms.

6. Communication Consent (CASL)

By providing your phone number or email address, you provide express consent to receive communications regarding your mortgage inquiry.

SMS/Text: You may receive updates via SMS. Standard message and data rates may apply. Reply STOP to opt-out.
Email: You may receive mortgage news and updates. You can unsubscribe at any time.

7. Limitation of Liability

To the maximum extent permitted by law, Terry Batth and DLC A.I.M.I. Collective Mortgage Group shall not be liable for any direct, indirect, or consequential damages arising from your use of this website or the information contained herein.

8. Governing Law

These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada.