Disclaimer

1. General Disclaimer

• Brain MB is an informational and research tool designed for licensed Canadian mortgage professionals
• Nothing on Brain MB constitutes mortgage advice, financial advice, investment advice, legal advice, tax advice, or any form of professional advice
• Brain MB is not a mortgage lender, broker, underwriter, insurer, or financial institution
• Always consult with qualified professionals and directly with lenders before making any financial or lending decisions

2. AI Content Disclaimer

• Brain MB uses artificial intelligence technology to analyze and present mortgage policy and rate information
• AI-generated responses may contain inaccuracies, errors, misinterpretations, hallucinations, or outdated information
• AI cannot account for every deal-specific variable, exception, or recent policy change
• AI-generated information is not a substitute for professional underwriting, compliance review, or due diligence
• You should treat all AI-generated responses as a starting point for your own research, not as a definitive answer

3. Rate & Compensation Data

• Rate and compensation data is compiled from lender submissions, public rate sheets, industry databases, and publicly available information
• Rates displayed may not be current at the time of viewing — lenders change rates frequently, sometimes multiple times per day
• Compensation data (basis points, bonuses) is approximate and may vary based on your brokerage agreement
• Promotional rates and ABW-exclusive rates are subject to availability and may be modified or withdrawn without notice

Always confirm current rates and compensation directly with the lender before quoting to clients or submitting applications.

4. Policy & Guideline Information

• Lender policies and underwriting guidelines are subject to frequent change
• Brain MB makes reasonable efforts to maintain current information but cannot guarantee real-time accuracy
• Policy interpretations provided by AI may not reflect the lender's current or intended interpretation
• Always verify policy details with the lender's underwriting team before relying on them for a deal

5. Lender Contact & Submission Information

• Lender contact information, submission procedures, portal URLs, and personnel details are provided for convenience only
• This information may change without notice and may not be current at the time of viewing
• ABW-exclusive contact information and portal credentials are provided by A Better Way Mortgage Group
• Brain MB is not responsible for the accuracy of lender-provided or publicly sourced contact information

6. No Warranty

• All information and services are provided "as is" without warranties of any kind, express or implied
• No warranty of accuracy, completeness, timeliness, reliability, or fitness for any particular purpose
• No warranty that the service will be uninterrupted, error-free, or free from security vulnerabilities

7. Professional Responsibility

• As a licensed mortgage professional, you bear sole responsibility for your own due diligence
• You are responsible for independently verifying all information with lenders before acting on it
• You are responsible for compliance with all applicable laws, regulations, and industry standards including FINTRAC, OSFI guidelines, provincial licensing requirements, and your brokerage's policies
• Brain MB does not monitor or ensure your regulatory compliance

8. Third-Party Content

• Brain MB may contain links to third-party websites or services
• We do not endorse, control, or assume responsibility for third-party content or services
• Your interaction with third-party services is governed by their own terms and policies

Related Policies

Please also review our Privacy Policy and Terms of Service for complete information about how Brain MB operates and your rights and obligations.