Terms of Use
By using this website, you agree to these Terms of Use. The content of the site is protected and may not be reproduced without authorization, except where permitted by law. Users agree to use the site lawfully and responsibly.
The use of our forms and communication services, including email and text messaging (SMS), may be subject to additional terms and consent requirements. Rui Alberto Maia cannot be held liable for errors, interruptions, damages, or losses related to the use of the site, except as otherwise required by applicable law.
Please read the full Terms of Use below for more details.
Last updated: September 16, 2026
1. Introduction
These Terms of Use govern access to and use of the website operated by Rui Alberto Maia, Mortgage Broker, including its content, tools, calculators, forms, and any products and services that may be presented on it.
By browsing or using this website, or by communicating with us through it, you agree to be bound by these Terms of Use.
Certain sections of the website, services, or communications may be subject to additional terms or consents. In the event of a conflict, the specific terms applicable to the service concerned will prevail to the extent permitted by law.
2. Acceptance of Terms
By accessing or using this website, you acknowledge that you have read these Terms of Use and agree to be bound by them.
If you do not agree with these terms, please discontinue use of this website.
3. Electronic Communications
When you provide us with your contact information and communicate with us electronically, we may respond or communicate with you using methods appropriate to your request, including email or text message (SMS), in accordance with the consents provided and applicable laws.
Communications may include matters relating to a mortgage financing request, an information request, appointment scheduling or reminders, requests for documents or information, file follow-ups, application status updates, or other communications related to requested services.
Where required by law, your consent will be obtained before commercial electronic communications are sent.
3.1 Text Messages (SMS)
When you consent to receive text messages from Rui Alberto Maia, Mortgage Broker, these messages may include:
- responses to your inquiries;
- appointment scheduling, confirmations, or reminders;
- requests for information or documents;
- follow-ups regarding a mortgage application or file;
- updates regarding our services;
- where you have consented, information about mortgage rates, refinancing opportunities, offers, or other promotional communications.
Message frequency may vary depending on your interactions with us and the services to which you have consented.
Message and data rates may apply depending on your telecommunications plan.
You may withdraw your consent to SMS messages at any time by replying STOP or ARRET to a message. You may reply HELP or AIDE for assistance. You may also contact Rui Alberto Maia at 514-884-1907 or ruiamaia@servicesfinanciersmaia.com for assistance.
After an opt-out request, you may receive a message confirming that your request has been processed. You may opt in again in accordance with the instructions provided in our communications.
Consent to receive promotional SMS messages is not a condition of receiving our mortgage brokerage services.
Your decision to opt out of promotional SMS communications does not prevent communications that may be necessary or permitted by law in connection with a request or service that you have expressly requested, where such communications may legally be sent.
Telecommunications service providers and mobile network carriers are not liable for delayed or undelivered messages.
For more information about the use of your telephone number, your personal information, and your choices regarding SMS communications, please refer to our Privacy Policy.
4. Intellectual Property
Unless otherwise indicated, all content available on this website, including text, visuals, logos, graphic elements, documents, images, tools, downloads, and the structure of the website, belongs to Rui Alberto Maia or is used with the permission of its owner.
This content is protected by applicable copyright, trademark, and intellectual property laws.
4.1 Reservation of Rights
No right or licence to use the content is granted to you other than for personal, non-commercial use in accordance with these Terms.
Without prior authorization, you may not copy, reproduce, modify, republish, upload, display, transmit, distribute, sell, or otherwise exploit website content except as permitted by law.
5. Newsletters and Promotional Communications
When you subscribe to a newsletter or consent to receive promotional communications, such communications may be sent in accordance with the consent provided and applicable laws.
You may withdraw your consent to commercial electronic communications by using the unsubscribe mechanism provided in the applicable communication.
The content of newsletters and communications remains protected by applicable intellectual property rights.
6. Links to Third-Party Websites
The website may contain links to websites, platforms, or services operated by third parties. These links are provided for convenience or informational purposes.
We do not control these third-party websites and assume no responsibility for their content, availability, accuracy, privacy practices, or terms of use.
Your use of third-party websites is subject to the terms established by their respective operators.
7. Permitted Use of the Website
You agree to use this website only for lawful purposes and in accordance with these Terms.
In particular, you may not:
- interfere with the operation, security, or accessibility of the website;
- introduce viruses, malware, or other harmful code;
- use website content or data for unauthorized solicitation;
- perform substantial automated collection of data, including extraction or scraping, without authorization;
- attempt to gain unauthorized access to the website, its servers, or related systems.
8. Information and Content Submitted
When you submit information to us through the website, you are responsible for its accuracy.
Please avoid submitting confidential information through general forms unless it is necessary for processing your request.
Personal information submitted to us is handled in accordance with our Privacy Policy.
9. Suspension or Interruption of Access
We may modify, suspend, limit, or discontinue all or part of the website or its functionality where reasonably necessary, including for maintenance, security, or updates.
We cannot guarantee uninterrupted availability of the website.
10. Financial and Mortgage Information
Information concerning mortgages, interest rates, payments, financial products, eligibility requirements, or financing conditions is provided for informational purposes.
Rates, products, policies, and lender criteria may change and may vary depending on the lender, product, property, applicant’s financial circumstances and credit profile, and other applicable criteria.
Results generated by calculators or tools available on the website are estimates and do not constitute an offer, approval, or commitment to provide financing.
Any financing request remains subject to file review, applicable lender criteria, and required approvals.
11. Disclaimer of Warranties and Limitation of Liability
The website and its content are provided for informational purposes and subject to availability.
Although we make reasonable efforts to keep information accurate and current, we cannot guarantee that the website will be free from errors, interruptions, or technical failures.
To the extent permitted by applicable law, Rui Alberto Maia shall not be liable for losses or damages resulting from use of the website, inability to use it, or reliance on inaccurate, incomplete, or outdated information.
Nothing in these Terms of Use excludes, restricts, or modifies any right or liability that cannot legally be excluded, restricted, or modified.
12. Accuracy of Information Provided
When submitting information in connection with a request, including through a form, you agree to provide information that is accurate and complete to the best of your knowledge.
You are responsible for the information you provide to us.
13. Privacy
Use of this website and our services may involve the collection and processing of personal information.
For information about our practices concerning the collection, use, disclosure, retention, and protection of personal information, please refer to our Privacy Policy and Cookie Policy, where applicable.
14. Accessibility
We aim to make our website as reasonably accessible as possible.
If you experience difficulty accessing any part of the website because of a disability or functional limitation, you may contact us so that we can attempt to provide an appropriate solution.
15. Legal Compliance
You may not use this website in a manner that violates applicable laws and regulations, including those relating to privacy, electronic communications, intellectual property, and the use of computer systems.
16. Assignment
You may not assign your rights or obligations under these Terms of Use without our prior consent where such consent is required.
Our rights and obligations may be transferred in connection with a reorganization or transfer of business activities, subject to applicable laws.
17. Indemnification
To the extent permitted by applicable law, you may be held responsible for losses or damages directly caused by unlawful use of the website or a wrongful violation of these Terms of Use.
18. Waiver
Failure to immediately exercise a right under these Terms does not constitute a waiver of that right.
19. Severability
If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
20. Entire Agreement and Related Policies
These Terms of Use should be read together with our Privacy Policy and Cookie Policy, where applicable.
Additional terms or consents may apply to certain specific services.
21. Changes
We may modify these Terms of Use to reflect changes to the website, our services, or applicable requirements.
The date of the latest update is indicated at the beginning of this page. Where required, material changes will be brought to your attention in an appropriate manner.
22. Governing Law
These Terms of Use are governed by the applicable laws of the Province of Québec and the federal laws of Canada applicable therein.
Any provision relating to the jurisdiction of courts remains subject to mandatory rules under applicable laws.
23. Contact Information
This website is operated by:
Rui Alberto Maia
Mortgage Broker / Courtier hypothécaire
Telephone: 514-884-1907
Email: ruiamaia@servicesfinanciersmaia.com
For any questions regarding these Terms of Use or our SMS communications, you may contact us using the information above.
24. Downloadable Version
A copy of these Terms of Use may be saved or printed directly from this page. A version in another format may be provided upon request where reasonably possible.