Last updated: March 25, 2026
By creating an account, accessing, or using Brain MB, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use the service. We reserve the right to modify these terms at any time; your continued use constitutes acceptance.
Brain MB is a mortgage policy database and AI-powered research tool designed for licensed Canadian mortgage professionals.
ALL INFORMATION PROVIDED BY BRAIN MB, INCLUDING BUT NOT LIMITED TO AI-GENERATED RESPONSES, RATE DATA, POLICY INFORMATION, LENDER CONTACT DETAILS, COMPENSATION DATA, UNDERWRITING GUIDELINES, AND SUBMISSION PROCEDURES, IS PROVIDED STRICTLY "AS IS" AND "AS AVAILABLE" WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND.
BRAIN MB IS NOT A SUBSTITUTE FOR PROFESSIONAL MORTGAGE UNDERWRITING, DUE DILIGENCE, LEGAL ADVICE, COMPLIANCE REVIEW, OR FINANCIAL ADVICE.
AI RESPONSES ARE GENERATED BY ARTIFICIAL INTELLIGENCE AND MAY CONTAIN ERRORS, INACCURACIES, HALLUCINATIONS, OUTDATED INFORMATION, OR MISINTERPRETATIONS OF LENDER POLICIES.
RATE AND COMPENSATION DATA IS COMPILED FROM VARIOUS SOURCES INCLUDING LENDER SUBMISSIONS AND PUBLIC INFORMATION AND MAY NOT REFLECT CURRENT, ACCURATE, OR COMPLETE LENDER OFFERINGS AT THE TIME OF YOUR QUERY.
LENDER POLICIES, GUIDELINES, AND UNDERWRITING CRITERIA CHANGE FREQUENTLY AND WITHOUT NOTICE — BRAIN MB CANNOT GUARANTEE REAL-TIME ACCURACY.
YOU MUST INDEPENDENTLY VERIFY ALL INFORMATION DIRECTLY WITH THE RELEVANT LENDER BEFORE MAKING ANY LENDING DECISIONS, SUBMITTING ANY MORTGAGE APPLICATION, OR PRESENTING ANY INFORMATION TO CLIENTS.
BRAIN MB DOES NOT GUARANTEE DEAL APPROVAL, RATE AVAILABILITY, RATE ACCURACY, POLICY ACCURACY, COMPENSATION AMOUNTS, OR THE OUTCOME OF ANY MORTGAGE APPLICATION.
ANY RELIANCE ON INFORMATION PROVIDED BY BRAIN MB IS SOLELY AND ENTIRELY AT YOUR OWN RISK.
YOU ACKNOWLEDGE THAT YOU ARE A LICENSED MORTGAGE PROFESSIONAL WITH THE TRAINING AND EXPERTISE TO INDEPENDENTLY EVALUATE MORTGAGE INFORMATION AND THAT BRAIN MB IS A SUPPLEMENTARY RESEARCH TOOL, NOT A PRIMARY SOURCE OF TRUTH.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TENTH DEGREE AI, A BETTER WAY MORTGAGE GROUP, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND AFFILIATES (COLLECTIVELY, THE "BRAIN MB PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE.
THIS LIMITATION INCLUDES BUT IS NOT LIMITED TO: LOST DEALS OR BUSINESS OPPORTUNITIES, INCORRECT RATE QUOTES PROVIDED TO CLIENTS, POLICY MISINTERPRETATIONS LEADING TO DEAL REJECTIONS, MISSED SUBMISSION DEADLINES, LENDER APPLICATION REJECTIONS, COMPENSATION DISCREPANCIES, REPUTATIONAL HARM, REGULATORY PENALTIES, OR ANY DIRECT OR INDIRECT FINANCIAL LOSSES RESULTING FROM RELIANCE ON INFORMATION PROVIDED BY BRAIN MB.
THE BRAIN MB PARTIES' TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING UNDER OR RELATED TO THESE TERMS SHALL NOT EXCEED THE LESSER OF (A) THE TOTAL AMOUNT PAID BY YOU TO BRAIN MB IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100).
These limitations apply regardless of the theory of liability (contract, tort, strict liability, or otherwise) and even if the Brain MB Parties have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages — in such jurisdictions, the Brain MB Parties' liability shall be limited to the maximum extent permitted by applicable law.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. THE BRAIN MB PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WITHOUT LIMITING THE FOREGOING, THE BRAIN MB PARTIES DO NOT WARRANT THAT (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (B) THE INFORMATION PROVIDED WILL BE ACCURATE, COMPLETE, OR CURRENT, (C) ANY DEFECTS WILL BE CORRECTED, OR (D) THE SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS.
You agree to indemnify, defend, and hold harmless the Brain MB Parties from and against any and all claims, demands, actions, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to: (a) your use of or reliance on the service, (b) your violation of these Terms, (c) your violation of any applicable law, regulation, or industry standard, (d) any information you provide through the service including lender portal submissions, or (e) any claim by a third party (including your clients) arising from your use of information obtained through Brain MB.
These Terms are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia, Canada. Before initiating any legal proceeding, you agree to attempt to resolve disputes informally by contacting us.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
The failure of Brain MB to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
These Terms of Service, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and Tenth Degree AI regarding the use of Brain MB, superseding any prior agreements.
Email: dean@abwmortgage.ca
Organization: A Better Way Mortgage Group (operating as Tenth Degree AI)
Location: Langley, British Columbia, Canada