Terms of Service

1. About Fox Mortgage

foxmortgage.ca is operated by 2802551 Ontario Inc., carrying on business under the trade name Fox Mortgage. Michael Fox is a Mortgage Agent, Level 2, brokered by BRX Mortgage Inc. (FSRA Licence #13463). Michael Fox, Mortgage Agent Level 2, FSRA Licence #M21000367, operating through BRX Mortgage (FSRA Brokerage Licence #13463). Fox Mortgage is regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

2. Services

Through this website and authenticated portal, Fox Mortgage provides:

• Mortgage agent services — sourcing and arranging mortgages from 50+ lenders
• Strategic Mortgage Monitoring — ongoing rate and renewal monitoring for existing clients
• Investor portal — dashboard and reporting for private lending investors
• Financial Planner referral platform — tools for referring Financial Planner partners
• Authenticated portal access for clients, investors, and partner professionals

3. Not Financial or Legal Advice

Information on this website is provided for general informational purposes only and does not constitute mortgage advice, financial advice, or legal advice. Mortgage suitability depends on your individual financial circumstances. Always seek qualified professional advice before making mortgage or financial decisions.

4. No Guarantee of Approval

Mortgage approval, rates, and products are subject to lender underwriting criteria and are not guaranteed. Rates and product availability are subject to change without notice. Pre-qualification estimates are not commitments to lend.

5. Compensation

Fox Mortgage is typically compensated by the lending institution upon successful mortgage placement, not directly by the borrower. Full compensation disclosure is available upon request.

6. User Responsibilities

By using this website and portal, you agree to:

• Provide accurate and complete information in all applications and forms
• Use the portal and website for lawful purposes only
• Not share your portal credentials with any other person
• Notify us promptly of any unauthorized access to your account

7. Intellectual Property

All content on this website, including the Fox Mortgage name, logo, written content, and brand assets, is owned by 2802551 Ontario Inc. No reproduction, distribution, or use of any content is permitted without our prior written permission.

8. Electronic Communications (CASL)

We only send commercial electronic messages with your express or implied consent, as required under Canada's Anti-Spam Legislation (CASL). You may withdraw your marketing consent and unsubscribe at any time. Unsubscribe requests will be honoured within 10 business days. Transactional messages — including application confirmations, document requests, and account notifications — are exempt from CASL marketing consent requirements.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Fox Mortgage and 2802551 Ontario Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website, our services, or your reliance on information contained herein. This limitation does not apply to gross negligence, willful misconduct, or any liability that cannot be excluded by law.

10. Third-Party Links

This website may contain links to third-party websites. Fox Mortgage is not responsible for the content, accuracy, or privacy practices of any linked third-party site.

11. Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated effective date. Continued use of this website after changes are posted constitutes your acceptance of the updated terms.

12. Governing Law

These Terms of Service are governed by the laws of the Province of Ontario, Canada. Any disputes arising from these terms or your use of this website are subject to the exclusive jurisdiction of the courts of Ontario.

13. Contact

mfox@foxmortgage.ca
Fox Mortgage
Fergus, Ontario

14. Effective Date

These Terms of Service are effective as of April 18, 2026.