Last updated: April 10th 2025
Welcome to Mortgages by Kris. By accessing or using this website, you agree to the following Terms & Conditions. Please read them carefully. If you do not agree with any part of these terms, please do not use this site.
1. Who We Are
This website is operated by Kris Johnson, Licensed Mortgage Agent with Dominion Lending Centres Mortgage Excellence, FSRA License #12438, located in Ontario, Canada.
2. Use of Website
This website is intended to provide general information about mortgage-related services, tools, and resources. All content is for informational purposes only and should not be considered financial or legal advice.
While I strive to keep everything accurate and up to date, mortgage rates, policies, and lending criteria can change without notice. Always reach out directly before making financial decisions based on the content provided here.
3. No Guarantee of Mortgage Approval
Completing an application through this website or communicating with Kris does not guarantee mortgage approval. Each application is subject to review by lenders and may be approved, declined, or modified based on the information provided and current lending guidelines.
4. Privacy & Personal Information
Your privacy is taken seriously. Any information you submit through forms, applications, or direct contact is kept confidential and used solely for the purpose of assisting you with mortgage-related services.
Kris operates in compliance with Ontario’s Personal Information Protection and Electronic Documents Act (PIPEDA) and FSRA regulations.
For full details, please see the [Privacy Policy].
5. Third-Party Links & Resources
This site may link to third-party tools or resources (including mortgage calculators, downloads, external applications, or affiliated service providers). Mortgages by Kris is not responsible for the content, accuracy, or privacy practices of any external sites.
Use of third-party tools is at your own discretion.
6. Intellectual Property
All content on this site—including text, branding, images, and downloadable resources—is the property of Kris Johnson and may not be copied, reused, or distributed without written permission.
7. Limitation of Liability
Mortgages by Kris is not liable for any damages or losses arising from the use of this website or reliance on the information provided. This includes, but is not limited to, direct, indirect, or consequential damages.
8. Changes to These Terms
Kris may update these Terms & Conditions at any time. Updates will be posted here with a new “Last Updated” date. Continued use of the site constitutes acceptance of any changes.
9. Contact
If you have questions about these Terms or anything else related to this site, please get in touch:
📧 kris@mortgagesbykris.com
📍 Ontario, Canada
🏢 Dominion Lending Centres Mortgage Excellence | FSRA License #12438
