WHO WE ARE
hmcf.ca is an advertising, contracting and marketing firm. We are not real estate brokers or real estate agents. We do not represent home buyers or home sellers. Any mortgage finance advertising and brokering is strictly done through our partner program established through Verico Finex Lending and is licensed under Ficom Regulations: FSCO #500983
FRAMING AND LINKING TO OUR SITE
You may freely link to any publicly available content directly. You may not use any framing technique without our written consent.
You may not decompile, reverse engineer, disassemble or otherwise recreate this web site.
DATA COLLECTION AND STORAGE
All information collected, used and stored by this web site is subject to, and strictly governed by, our our terms and conditions.
Please note that we do not accept unsolicited materials or ideas for use or publication. We are not responsible for the similarity of any of its content or programming in any media to materials or ideas transmitted to hmcf.ca. Don’t send us anything you expect to get paid for without first making an arrangement with us.
Interactive areas of our site like, message boards, article commenting, etc., are intended to encourage debate. People will differ and disagree – opinion is subjective and we encourage freedom of speech and a marketplace of ideas. But by using these areas of our site, you are participating in a community that is intended for all of our visitors.
We reserve the right to remove any content posted on our site at any time, for any reason. Decisions as to whether a contribution should be censored or removed will be made by hmcf.ca in its discretion at any time after posting.
Without limiting our right to remove content, we have attempted to provide guidelines to those posting content on our site. When using our site, please do not post material that:
may contain vulgar, profane, abusive or hateful language, epithets or slurs, text or illustrations in poor taste, inflammatory attacks of a personal, racial or religious nature, or expressions of bigotry, racism, discrimination or hate.
is defamatory, threatening, disparaging, grossly inflammatory, false, misleading, deceptive, fraudulent, inaccurate, unfair, contains gross exaggeration or unsubstantiated claims, violates the privacy rights of any third party, is unreasonably harmful or offensive to any individual or community, contains any actionable statement, or tends to mislead or reflect unfairly on any other person, business or entity.
violates any right of hmcf.ca or any third party.
discriminates on the grounds of race, religion, national origin, gender, age, marital status, sexual orientation or disability, or refers to such matters in any manner prohibited by law.
violates any municipal, provincial or federal law, rule, regulation or ordinance, or attempts to encourage such an evasion or violation.
unfairly interferes with any third party’s uninterrupted use and enjoyment of hmcf.ca.
advertises, promotes or offers to trade any goods or services, except in areas specifically designated for such purpose.
uploads copyrighted or other proprietary material of any kind on hmcf.ca without the express permission of the owner of that material.
includes images, photos, or articles or other content that constitutes, promotes or encourages illegal acts, violation of any right of any individual or entity, violation of any civic, municipal, provincial, national or international law, rule, guideline or regulation, or otherwise creates liability.
uploads or transmits viruses or other harmful, disruptive or destructive files.
disrupts, interferes with, or otherwise harms or violates the security of hmcf.ca, or any services, system resources, accounts, passwords, servers or networks connected to or accessible through hmcf.ca or affiliated or linked sites.
“flames” or “spam” any individual or entity (e.g., sends repeated messages related to another user and/or makes derogatory or offensive comments about another individual), or repeats prior posting of the same message under multiple threads or subjects.
We will also make every reasonable effort to remove any posts suspected of being made by a child.
WARNING: A VIOLATION OF THE PRECEDING GUIDELINES AND PROHIBITIONS MAY RESULT IN PERMANENT BANNING FROM THIS SITE AND WILL BE REFERRED TO LAW ENFORCEMENT AUTHORITIES WHEN APPROPRIATE.
Your dealings or communications through hmcf.ca with any party other than an official hmcf.ca representative are solely between you and that third party. Certain areas of our site may be e-commerce enabled and allow you to conduct transactions or purchase goods or services. In most cases, these transactions will be conducted by our third-party partners and vendors.
Under no circumstances will hmcf.ca be liable for any goods, services, resources or content available through such third party dealings or communications, or for any harm related to their purchase or use.
Please review carefully the third party’s policies and practices and make sure you are comfortable with those policies and practices before you engage in any transaction. Any complaints, concerns or questions you may have relating to materials provided by third parties should be forwarded directly to the third party
hmcf.ca is controlled, operated and administered by hmcf.ca Inc. from its offices within Canada. We make no representation that materials or content available through our site are appropriate or available for use outside Canada and access to our site from territories where our content might be deemed illegal is prohibited. You may not use hmcf.ca or export any of our site content in violation of Canadian export or intellectual property laws and regulations.
If you access hmcf.ca from a location outside Canada, you are responsible for compliance with all local laws.
hmcf.ca and our logos are trademarks of hmcf.ca. Any unauthorized use of our trademarks is strictly prohibited without written permission except when falling under fair use protections.
The materials, content and design of our web site are protected by copyright laws and are either owned by, or licensed to hmcf.ca. We encourage the non-commercial use of material from our site. Any commercial use of the listings or data in whole or in part, directly or indirectly, is specifically forbidden except with written permission.
You may not, under any circumstances republish any of the content or listing data contained on this site without written permission.
LIMITATION OF LIABILITY
We take every reasonable effort to include accurate and up-to-date information on this site, however we make no warranties or representations as to the accuracy of the presented details and content and assume no liability or responsibility for any error or omission.
You use this site at your own risk. We can not guarantee that your use of our site will meet your requirements, be uninterrupted, timely or error free.