Terms of Service

Agreement to Terms

By accessing or using the Open Financial website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

About Our Services

Garrison Capital Corp., operating as Open Financial is a licensed mortgage brokerage (Licence #13362). We provide mortgage brokerage services including rate comparison, lender matching, application processing, and mortgage advice.

Our services are available to residents of Canada who are of legal age in their province of residence. We act as an intermediary between borrowers and lenders. We are not a lender ourselves.

No Guarantee of Approval

While we work diligently to find the best mortgage options for our clients, we cannot guarantee mortgage approval, specific interest rates, or specific terms. Approval decisions are made by individual lenders based on their own criteria. Rates and terms displayed on our website are illustrative and subject to change.

Your Responsibilities

When using our services, you agree to:

• Provide accurate and complete information in your application
• Promptly provide any additional documentation requested
• Notify us of any changes to your financial situation during the application process
• Not misrepresent your identity, income, employment, or financial situation
• Review all mortgage documents carefully before signing

Providing false or misleading information in a mortgage application is a serious offence under Canadian law.

Fees and Compensation

Our services are provided at no direct cost to borrowers in most cases. We are compensated by lenders through finder's fees or trailer commissions. In certain situations involving complex files or alternative lending arrangements, a broker fee may apply. You will always be informed of any fees before they are incurred.

Intellectual Property

All content on the Open Financial website, including text, images, logos, and design, is the property of Garrison Capital Corp. and protected by Canadian copyright law. You may not reproduce, distribute, or create derivative works without our written permission.

Website Use

Our website is provided for informational purposes and to facilitate mortgage applications. You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit any viruses or malicious code
• Scrape or extract data from our website
• Use automated tools to access our website without permission

Limitation of Liability

Open Financial provides mortgage brokerage services and general information about mortgage products. Nothing on our website constitutes financial advice. We recommend consulting with qualified financial and legal advisors before making mortgage decisions.

To the maximum extent permitted by law, Garrison Capital Corp. shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services or website.

Governing Law

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these terms shall be resolved in the courts of Ontario.

Changes to Terms

We may update these Terms of Service from time to time. We will notify you of material changes by posting the updated terms on our website with a revised date. Your continued use of our services after changes are posted constitutes acceptance of the updated terms.

Contact

For questions about these Terms of Service:

Garrison Capital Corp., operating as Open Financial
325 Front Street W. 2nd Floor Toronto ON M5V 2Y1
Phone: 647-558-2300