Terms and Conditions
Last Updated: June 11, 2025
1. Acceptance of Terms
Welcome to the Melki Mortgage Financing website (the “Website”). These Terms and Conditions (“Terms”) govern your access to and use of our Website and the information, tools, and services provided herein. By accessing or using this Website, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to all of these Terms, you are not authorized to access or use this Website.
This agreement is a legally binding contract between you (“User,” “you,” or “your”) and Melki Mortgage Financing (“we,” “us,” or “our”). This electronic contract has the same legal effect as a contract in writing.
2. Services and Professional Conduct
Melki Mortgage Financing is a licensed mortgage brokerage operating in the province of Quebec. Our services consist of acting as an intermediary between you and various lenders to secure mortgage financing.
We adhere strictly to the professional standards and rules of conduct established by the Organisme d'autoréglementation du courtage immobilier du Québec (OACIQ) and the Autorité des marchés financiers (AMF). Our commitment includes, but is not limited to:
- Acting with transparency, loyalty, and integrity.
- Providing you with objective advice and the necessary information to make informed decisions.
- Ensuring the mortgage products we propose are suitable for your specific situation and needs.
- Verifying the accuracy of the information we disseminate.
3. No Financial Advice Disclaimer
The content provided on this Website, including articles, blog posts, calculators, and general descriptions of mortgage products, is for informational and educational purposes only. This information is not, and should not be construed as, financial, legal, or investment advice tailored to your personal circumstances.
The mortgage calculators and other tools on this Website provide estimates based on the data you input and are not a guarantee of financing, loan terms, or eligibility. To receive personalized advice, you must engage our services directly and allow us to conduct a full assessment of your financial situation. We strongly recommend seeking advice from qualified professionals regarding your specific financial decisions.
4. Use of the Website
You agree to use this Website for lawful purposes only. You are prohibited from:
- Using the Website in any way that could damage, disable, overburden, or impair the site or interfere with any other party's use of the Website.
- Attempting to gain unauthorized access to any part of the Website, user accounts, or computer systems connected to the Website.
- Posting or transmitting any material that is unlawful, defamatory, obscene, fraudulent, or infringes on the intellectual property rights of others.
- Using the Website to gather personal information about other users without their express consent.
5. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, is the property of Melki Mortgage Financing or its content suppliers and is protected by Canadian and international copyright and trademark laws.
You are granted a limited license to access and make personal, non-commercial use of this Website. You may not download (other than page caching), modify, or reproduce any portion of it without our express written consent. This license does not include any resale or commercial use of this site or its contents. The name "Melki Mortgage Financing" and our logo are trademarks and may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among clients, or in any manner that disparages or discredits us.
6. Third-Party Links
This Website may contain links to third-party websites that are not owned or controlled by Melki Mortgage Financing. These links are provided for your convenience only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. By using our Website, you expressly relieve Melki Mortgage Financing from any and all liability arising from your use of any third-party website.
7. Limitation of Liability and Disclaimer of Warranties
This Website and all information, content, and materials included on or otherwise made available to you through this site are provided on an “as is” and “as available” basis. Melki Mortgage Financing makes no representations or warranties of any kind, express or implied, as to the operation of this Website or the accuracy, completeness, or reliability of the information, content, or materials included on it.
To the fullest extent permissible by applicable law, Melki Mortgage Financing disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that this Website, its servers, or email sent from us are free of viruses or other harmful components.
In no event shall Melki Mortgage Financing, its directors, officers, employees, or agents be liable for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from any (i) errors, mistakes, or inaccuracies of content, (ii) personal injury or property damage of any nature whatsoever resulting from your access to and use of our Website, or (iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein.
8. Indemnification
You agree to indemnify, defend, and hold harmless Melki Mortgage Financing and our affiliates, officers, directors, agents, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms or your violation of any law or the rights of a third party.
9. Changes to These Terms
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the revised version on this Website. Your continued use of the Website after the date of any such changes constitutes your acceptance of the new Terms. The "Last Updated" date at the top of this page will indicate when the latest modifications were made.
10. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws applicable in the province of Quebec and the federal laws of Canada applicable therein. You hereby irrevocably agree to attorn to the exclusive jurisdiction of the courts of the province of Quebec for the resolution of any dispute arising out of or in connection with these Terms or your use of the Website.
11. Contact Information
If you have any questions about these Terms and Conditions, please contact us at:
Melki Mortgage Financing
1010 Saint-Catherine St W Suite 200,
Montreal, Quebec H3B 5L1
emelki@dlcco.ca
514-260-7777
