Terms of Use

1. About Us

Caxton & Lucke Mortgages is a trade name powered by Pegasus Mortgage Lending Center Inc., a licensed mortgage brokerage under FSRA Brokerage Licence #11479. Individual agent Yeseed Aro-Lambo holds Licence #M21003988.

Registered Address: 103 Hawkwood Way NW, Calgary, AB T3G 1X3
Email: info@candlmortgages.com
Phone: (825) 425-5788
Website: candlmortgages.com

2. Acceptance of Terms

By accessing or using this website — including our mortgage scorecards, calculators, and contact forms — you confirm that you:

• Are at least 18 years of age
• Are legally capable of entering into binding agreements
• Have read, understood, and agree to be bound by these Terms of Use
• Agree to our Privacy Policy, which is incorporated into these Terms by reference

If you do not agree with any part of these Terms, please do not use this website.

3. Nature of Our Services — Important Disclaimer

Specifically:

• Mortgage scorecard results, calculator outputs, and rate estimates displayed on this website are estimates only and are subject to change without notice
• Rate examples shown are indicative and do not represent a commitment to lend or a guaranteed rate offer from any lender
• Approval outcomes depend on individual financial circumstances, lender criteria, property details, and current market conditions
• Government program information (FHSA, RRSP HBP, CMHC) is provided as general guidance; consult a financial advisor or the relevant government agency for authoritative guidance

A formal mortgage application, credit assessment, and lender approval process is required before any mortgage commitment is made. Caxton & Lucke Mortgages accepts no liability for decisions made based solely on information presented on this website.

4. Regulatory Status

Caxton & Lucke Mortgages is:

• Licensed as a Mortgage Agent under Pegasus Mortgage Lending Center Inc., a licensed mortgage brokerage with Licence #11479 under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (Ontario) by the Financial Services Regulatory Authority of Ontario (FSRA), Brokerage Licence #11479
• Subject to applicable anti-money laundering and know-your-client regulations under FINTRAC

Licensing information can be verified at fsrao.ca.

5. Use of This Website

You may use this website for lawful purposes only. You agree not to:

• Submit false, misleading, or fraudulent information in any form or scorecard
• Attempt to gain unauthorised access to any part of the website or its underlying systems
• Use automated tools (bots, scrapers, crawlers) to extract data from this website without prior written permission
• Reproduce, republish, or redistribute website content for commercial purposes without written consent
• Engage in any activity that disrupts, damages, or impairs the website's functionality
• Use the website in any way that violates applicable Canadian federal or provincial law

6. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, scorecard tools, calculator code, and the Caxton & Lucke Mortgages branding — is owned by or licensed to Yeseed Aro-Lambo under Pegasus Mortgage Lending Center Inc. and is protected by Canadian and international copyright law.

You may print or download content for personal, non-commercial use only. You may not reproduce, modify, distribute, or exploit any website content for commercial purposes without express written permission from Caxton & Lucke Mortgages.

7. Third-Party Links & Services

This website contains links to third-party websites and services including, but not limited to, Calendly (scheduling), Google Analytics (analytics), and lender websites. These links are provided for convenience only.

Caxton & Lucke Mortgages does not endorse, control, or accept responsibility for the content, privacy practices, or availability of any third-party website. Your use of third-party services is governed by their own terms and privacy policies.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Caxton & Lucke Mortgages and Pegasus Mortgage Lending Center Inc. shall not be liable for:

• Any loss or damage arising from reliance on information or tools provided on this website
• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunity arising from use of or inability to use this website
• Errors, omissions, or inaccuracies in mortgage rate information, calculator outputs, or scorecard results
• Any interruption or unavailability of the website or its services

Nothing in these Terms limits liability for fraud, death, or personal injury caused by our negligence, or any other liability that cannot be excluded by law.

9. No Broker-Client Relationship

Completing a scorecard, using our calculator, or submitting a contact form on this website does not create a broker-client relationship or constitute a mortgage application. A formal broker-client relationship is established only upon execution of a written engagement agreement.

You should not act on any information from this website without first obtaining professional advice tailored to your specific circumstances.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information in accordance with PIPEDA and applicable provincial privacy legislation. Our Privacy Policy is incorporated into and forms part of these Terms of Use.

11. Governing Law

These Terms of Use and any dispute arising from your use of this website shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any legal proceedings shall be conducted in the courts of the Province of Alberta, and you consent to the exclusive jurisdiction of such courts.

12. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page, with the "Last Updated" date revised accordingly. Your continued use of the website after changes are posted constitutes acceptance of the updated terms.

We encourage you to review these Terms periodically. For material changes, we will make reasonable efforts to notify you through the website or via email if you have provided your contact details.

13. Contact Us

Questions about these Terms of Use? Please contact us:

Caxton & Lucke Mortgages
Powered by Pegasus Mortgage Lending Center Inc.
FSRA Brokerage Licence #11479 · Individual Agent Licence #M21003988
103 Hawwood Way NW, Calgary, AB T3G 1X3
(825) 425-5788
info@candlmortgages.com