Terms of Service
Last Updated: August 2024. These terms govern your use of the Copper Room portal and our mortgage advisory comparisons in Quebec.
01. Acceptance of Terms
By accessing or using the website operated by Copper Room, located in Montreal, Quebec, you agree to be bound by these Terms of Service, all applicable laws, and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
These terms constitute a legally binding agreement between you and Copper Room. We provide comparative analysis between mortgage brokers and bank specialists to assist Montreal residents in making informed financial decisions. Your continued use of our services implies your unconditional consent to these provisions.
02. Description of Services
Copper Room provides a digital information platform that evaluates the differences between:
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Mortgage Brokers: Independent agents licensed by the AMF (Autorité des marchés financiers).
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Bank Specialists: Direct employees of financial institutions (A-Lenders).
Note: Copper Room is an educational and comparative platform. We do not issue loans directly nor are we a financial institution. We act as an information bridge.
03. User Conduct & Prohibitions
As a condition of your use of the service, you warrant that you will not use the service for any purpose that is unlawful or prohibited by these terms. You may not:
Data Scraping
Use of automated systems or software to extract data from this website for commercial purposes (screen scraping) is strictly prohibited.
Misrepresentation
Providing false financial information or impersonating another individual during the mortgage inquiry process.
Malicious Code
Transmitting any worms, viruses, or any code of a destructive nature to the Copper Room infrastructure.
Unauthorized Access
Attempting to gain unauthorized access to our servers or network systems based in Quebec.
04. Intellectual Property
All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Copper Room or its content suppliers and protected by Canadian and international copyright laws.
The "Copper Room" name and logo are trademarks of the company. You may not use our trademarks in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers.
05. Limitation of Liability
Legal Notice for Quebec Residents
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COPPER ROOM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES.
This includes, without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the service; (ii) any conduct or content of any third party on the service (including mortgage brokers and banks); (iii) any content obtained from the service; and (iv) unauthorized access, use or alteration of your transmissions or content.
06. Applicable Law (Montreal, QC)
These Terms shall be governed and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
Specifically, we adhere to:
- The Civil Code of Quebec (CCQ) regarding contractual obligations.
- The Consumer Protection Act (Quebec) for all retail-level interactions.
- Law 25 (formerly Bill 64) – An Act to modernize legislative provisions as regards the protection of personal information.
- PIPEDA (Personal Information Protection and Electronic Documents Act) at the federal level.
Any dispute arising from these terms shall be resolved exclusively in the courts located in the judicial district of Montreal.
07. Contact & Details
Company Details
Copper Room
1250 Guy St, Montreal, QC H3H 2L3
Montreal, Quebec, Canada
Inquiries
Email:
Phone: +1 (807) 590-1031