Terms of Use
1. Acceptance of Terms
By accessing and using the website debttools.ca and its associated pages (the "Service"), operated by Blue Pearl Mortgage Group Inc., you agree to be bound by these Terms of Use. If you do not agree, please do not use the Service.
2. Description of Service
The Service provides free AI-powered debt analysis tools, including a debt calculator that estimates potential savings from debt consolidation through home equity. The Service is designed for informational purposes only.
3. Not Financial Advice
Important Disclaimer
The information and results provided by this Service do not constitute financial, mortgage, legal, or tax advice. Results are estimates based on information you provide and general market assumptions. Actual rates, terms, and savings may vary. Always consult a licensed financial professional before making financial decisions.
4. Accuracy of Information
While we strive to provide accurate calculations, results are estimates only. We make no warranties regarding the accuracy, completeness, or reliability of any information provided through the Service. Interest rates, savings estimates, and timelines are illustrative and may differ from actual rates available to you.
5. User Responsibilities
- You must provide accurate information when using the Service
- You must be at least 18 years of age
- You must not use the Service for any unlawful purpose
- You must not attempt to interfere with the Service's operation
6. Intellectual Property
All content, features, and functionality of the Service are owned by Blue Pearl Mortgage Group Inc. and are protected by Canadian and international copyright, trademark, and other intellectual property laws.
7. Limitation of Liability
To the fullest extent permitted by law, Blue Pearl Mortgage Group Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service or reliance on any information provided.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Changes take effect immediately upon posting. Your continued use of the Service constitutes acceptance of modified Terms.
10. Contact
Blue Pearl Mortgage Group Inc.
Email: legal@debttools.ca
Website: debttools.ca