Last updated: May 27, 2026
 

IMPORTANT: By accessing and using this website (the “Site”), you agree to these Terms and Conditions and to the Privacy Policy available on this Site. These Terms and Conditions and the Privacy Policy may be updated from time to time, and it is your responsibility to review them periodically. Your continued use of the Site after changes are posted means you accept those changes.
 

If you do not agree with these Terms and Conditions, please stop using the Site.

 

1. Background

These Terms and Conditions are an agreement between you and Brenda Gyarmati Mortgage Services and apply to your access to and use of this Site.

This Site is intended to provide general information about mortgage-related services, educational content, resources, and ways to contact Brenda Gyarmati regarding your mortgage needs.
 

Mortgage services are offered through:
 

Brenda Gyarmati
Mortgage Agent Level 2
Licence #: M22003592
CENTUM Financial Services LP (ACB)
Brokerage Licence #: 13054

 

2. Informational Purpose Only
 

The information on this Site is provided for general informational and educational purposes only.
 

Nothing on this Site is intended to create a client relationship solely by your use of the Site, downloading a resource, submitting a contact form, or reading website content.
 

Mortgage solutions, lender products, qualification outcomes, rates, terms, approvals, and recommendations depend on the individual borrower’s situation, documentation, credit, lender criteria, and other factors.
 

This Site does not provide legal, tax, accounting, or individualized financial advice. You should obtain appropriate professional advice for your specific situation where necessary.

 

3. About Brenda Gyarmati Mortgage Services
 

This Site promotes the services of Brenda Gyarmati as a licensed mortgage professional working through CENTUM Financial Services LP (ACB).
 

The Site may reference mortgage products, lender options, mortgage strategies, application tools, and service categories such as:

• first-time home buyers

• renewals

• refinancing

• debt consolidation

• self-employed mortgages

• newcomers to Canada

• moving, upsizing, downsizing

• vacation or second homes

• strategic mortgage planning

Not all mortgage products, lenders, or services are suitable for every borrower, and nothing on this Site should be interpreted as a promise of approval or a guarantee that any particular option will be available.

 

4. Permitted Use
 

You are authorized to access and use this Site for your own personal, non-commercial use.
 

You may view, download, or retain a single copy of pages or materials from this Site for your own informational use, provided you do not:

• reproduce, republish, modify, distribute, or commercially exploit Site content without prior written permission

• remove legal notices, disclosures, branding, or credits

• frame, mirror, or deep-link the Site in a misleading way

• use Site content for unlawful, misleading, or competitive purposes

 

5. Accuracy of Information / No Guarantee
 

We aim to keep the Site content helpful and reasonably current, but we do not guarantee that the Site or its content is complete, accurate, error-free, or current at all times.
 

Mortgage rates, lender criteria, product availability, qualification standards, and other financing details may change without notice.
 

Any examples, illustrations, calculations, or scenarios on this Site are for general educational purposes only and should not be treated as guarantees of:

• approval

• rates

• savings

• timelines

• borrowing capacity

• mortgage suitability

• financial outcomes

All mortgage approvals are subject to lender review, underwriting, verification, and applicable conditions.

 

6. Fees and Compensation
 

In many prime lending situations, the lender pays the mortgage agent’s compensation.
 

However, some mortgage solutions — particularly alternative or private lending scenarios — may involve lender fees, broker fees, appraisal fees, legal fees, or other third-party costs.
 

Any applicable fees or costs should be disclosed to the client before proceeding. Nothing on this Site should be interpreted as a guarantee that all mortgage services are fee-free in every case.

 

7. Online Forms, Contact Requests, Bookings, and Applications
 

This Site may allow you to:

• submit a contact request

• request a resource

• book an appointment

• start a mortgage application

• provide mortgage-related or financial information
   

By using these features, you represent that the information you provide is accurate and complete to the best of your knowledge.
 

Submitting information through this Site does not guarantee:

• a mortgage approval

• a lender match

• a pre-approval

• a commitment from any lender

• a response within a specific timeframe unless expressly stated
   

Where you submit mortgage-related information, you understand that further documentation, verification, credit review, lender review, and compliance processes may be required.

 

8. Mortgage Application and Credit-Related Consent
 

If you choose to proceed with an application or pre-approval process, additional disclosures, authorizations, and consents may be required separately through Brenda Gyarmati, CENTUM Financial Services LP (ACB), lenders, insurers, CRM/application tools, or related service providers.
 

Your use of this Site alone does not replace any formal application disclosures or authorizations that may be required as part of a mortgage transaction.

 

9. Booking Tools, Application Tools, and Third-Party Services
 

This Site may include or link to third-party tools and services such as:

• appointment booking tools

• mortgage application or CRM tools

• calculators

• YouTube or other video hosting services

• embedded social media content

• external lender or informational resources
   

These third-party services may have their own terms, privacy practices, and operating rules. We are not responsible for the content, availability, reliability, or policies of third-party websites or tools.
 

If you use those tools, you do so at your own discretion and should review their own terms and privacy policies.

 

10. External Links
 

This Site may contain links to external websites for convenience or reference.
 

We do not make any guarantees, representations, warranties, or endorsements regarding the content, reliability, security, or suitability of external websites. By following those links, you understand that Brenda Gyarmati Mortgage Services is not responsible for any losses or damages that may result from your use of those third-party websites.

 

11. Access and Interference
 

You agree not to:

• use robots, spiders, scrapers, or automated tools to monitor, copy, or extract content from the Site without permission

• interfere with the operation or security of the Site

• attempt unauthorized access to accounts, systems, forms, or connected services

• upload malicious code, viruses, or disruptive materials

 

12. Intellectual Property
 

Unless otherwise stated, the content on this Site — including text, branding, layout, graphics, downloadable resources, and other materials — is owned by Brenda Gyarmati Mortgage Services and/or used with permission.
 

You may not copy, reproduce, republish, distribute, display, license, modify, or otherwise use Site content except as expressly permitted in these Terms and Conditions.

All trade names, logos, and trademarks remain the property of their respective owners, including any brokerage or third-party marks used with permission.

 

13. Privacy
 

Your use of this Site is also subject to the Site’s Privacy Policy.
 

Please review the Privacy Policy for information about how personal information may be collected, used, disclosed, stored, and protected through this Site and related services.

 

14. Limitation of Liability and Disclaimer
 

USE OF THIS SITE IS AT YOUR OWN RISK.
 

This Site and its content are provided on an “as is” and “as available” basis. We do not represent, warrant, or guarantee that:

• the Site will be uninterrupted or error-free

• the Site will be free of viruses or harmful components

• the Site content will always be complete, current, or accurate

• any result will be achieved through the use of the Site or its content
   

To the fullest extent permitted by law, Brenda Gyarmati Mortgage Services, Brenda Gyarmati, and any associated service providers, partners, or related parties shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising out of or in connection with:

• your use of this Site

• reliance on Site content

• use of linked or embedded third-party tools

• service interruptions

• errors or omissions in Site content

• inability to access or use the Site

 

15. Indemnity
 

You agree to indemnify and hold harmless Brenda Gyarmati Mortgage Services, Brenda Gyarmati, and any applicable affiliates, partners, service providers, or related parties from any claims, losses, liabilities, damages, costs, or expenses arising from:
 

• your misuse of the Site

• your violation of these Terms and Conditions

• your infringement of any rights of another party

• any inaccurate or misleading information you submit through the Site

 

16. Governing Law
 

Your use of this Site and these Terms and Conditions are governed by the laws of the Province of Ontario and the applicable laws of Canada.

Any disputes arising out of or relating to the Site or these Terms and Conditions shall be resolved in the courts of Ontario, unless otherwise required by applicable law.

 

17. Changes to These Terms
 

We may update these Terms and Conditions from time to time in our sole discretion.

The updated version will be posted on this page with a revised “Last updated” date. Continued use of the Site after changes are posted means you accept the updated Terms and Conditions.

 

18. Contact Us

If you have any questions about these Terms and Conditions, please contact:

Brenda Gyarmati
Mortgage Agent Level 2
Licence #: M22003592
CENTUM Financial Services LP (ACB)
Brokerage Licence #: 13054
Email: brenda_gyarmati@centum.ca
Phone: (705) 627-8418