Terms & Conditions

Can Mortgage Leads is a lead-generation service that provides licensed Canadian mortgage brokers and agents with pre-qualified borrower leads. We operate as an intermediary between borrowers who have expressed interest in mortgage assistance and licensed mortgage professionals.

By submitting a quote request or purchasing a lead package, you confirm that you:

• Have read and agree to these Terms and Conditions in their entirety
• Have read and agree to our Privacy Policy
• Are a licensed mortgage broker or agent in good standing in your province
• Will use leads only for lawful mortgage brokerage activities

To use Can Mortgage Leads, you must:

• Hold a valid mortgage broker or agent licence in your province of operation
• Be in good standing with your provincial regulator
• Operate through a licensed brokerage or as a licensed principal broker
• Not be subject to any regulatory suspension, restriction, or investigation that would prevent you from engaging with borrowers

We reserve the right to verify licensing and to decline or suspend service to any broker whose licence we cannot verify or who is found to be in breach of these terms.

Can Mortgage Leads provides the following services to licensed brokers:

• Running paid advertising campaigns targeting high-intent Canadian borrowers
• Collecting and pre-qualifying borrower information via landing pages and confirmation processes
• Delivering verified borrower leads to your CRM, GoHighLevel account, or agreed delivery method
• Matching leads to brokers based on mortgage type, province, and product niche as agreed

Can Mortgage Leads operates on a per-lead pricing model with a monthly minimum spend. Lead volume is not guaranteed and will vary based on campaign performance, province, product niche, market conditions, and borrower verification rates.

• Per-lead billing: You are billed only for leads actually delivered and verified through our confirmation process. You are never charged for leads that were not delivered.
• Monthly minimum: Each package carries a monthly minimum spend commitment, charged at the start of each billing period. This covers your first batch of leads for that period.
• Shortfall policy: If fewer leads than your minimum are delivered in a given month due to campaign conditions or niche availability, you are only charged for leads actually delivered. The shortfall is not billed and is not carried forward as a credit.
• Overdelivery: If more leads than your minimum are delivered in a given month, additional leads are billed at your package per-lead rate at the end of the billing period.
• No volume guarantee: Lead volumes stated on our pricing page are estimates based on typical campaign performance. They do not constitute a contractual guarantee. Actual delivery may be higher or lower in any given month.

A lead is considered valid and billable if the borrower has confirmed their request via our SMS verification process and provided accurate contact information at the time of submission.

A lead replacement or credit may be issued at our discretion in the following circumstances:

• The contact information is entirely unreachable after three reasonable contact attempts within 48 hours of delivery
• The borrower explicitly and verifiably confirms they did not submit a mortgage enquiry
• The lead was delivered outside the province or product niche agreed in your service agreement

Dispute requests must be submitted within 5 business days of lead delivery with supporting evidence (call logs, message records). We do not issue replacements because a borrower chose not to proceed, did not respond after initial contact, changed their mind, or did not meet lender qualification criteria — these outcomes are inherent in mortgage brokerage and outside our control.

All prices are in Canadian dollars and subject to applicable taxes. Billing operates as follows:

• Your monthly minimum spend is charged at the start of each billing period
• Additional leads delivered above your minimum are invoiced at month-end at your package per-lead rate
• Packages renew automatically each month unless cancelled before the renewal date
• Cancellations require reasonable advance notice as specified in your service agreement; your final period is charged only for leads delivered up to the cancellation date
• Refunds are not available for delivered leads that meet our quality standards as defined in Section 5b
• We reserve the right to adjust per-lead rates with reasonable advance notice to active clients

By receiving leads from Can Mortgage Leads, you agree to:

• Contact each lead promptly — we recommend within 4 hours of delivery
• Handle all borrower interactions in compliance with your provincial regulatory requirements
• Not resell, redistribute, or share leads with any other broker, agent, or third party
• Maintain valid provincial licensing throughout your service agreement
• Provide accurate and honest mortgage advice to all leads you receive
• Not use leads for any purpose other than legitimate mortgage brokerage
• Comply with all applicable privacy legislation including CASL when contacting borrowers

Breach of these obligations may result in immediate suspension or termination of your lead package without refund.

Can Mortgage Leads makes no representations, warranties, or guarantees regarding:

• The funding rate, approval rate, or conversion rate of any leads delivered
• The creditworthiness, income, or mortgage eligibility of any borrower
• The revenue, business growth, or ROI you will achieve from our leads
• The availability of specific lead volumes in your province or niche at any given time

To the fullest extent permitted by applicable Canadian law, Can Mortgage Leads shall not be liable for:

• Any loss of revenue, funded deals, or business opportunity arising from leads that did not convert
• Any direct, indirect, incidental, or consequential damages arising from your use of our service
• Technical failures, delivery delays, or CRM integration issues beyond our reasonable control
• The actions, advice, or omissions of any borrower you are connected with

Our total liability for any claim arising from this service shall not exceed the total fees paid by you to us in the 30-day period preceding the claim.

Borrower lead data delivered to you is confidential and provided solely for your own mortgage brokerage use. You must not disclose, share, sell, or redistribute any borrower information to any third party. This obligation survives termination of your service agreement.

All content on the Can Mortgage Leads website — including text, design, branding, and the overall presentation — is the property of Can Mortgage Leads and is protected by applicable Canadian intellectual property laws. The Can Mortgage Leads name and logo may not be used without written permission.

Either party may terminate a lead package agreement with reasonable notice as specified in your service agreement. We reserve the right to terminate immediately and without refund if:

• You breach any material obligation in these Terms
• Your mortgage licence is suspended, revoked, or restricted
• You are found to have misused, resold, or misrepresented leads
• We have reasonable grounds to believe you are engaging in deceptive or harmful conduct toward borrowers

We reserve the right to modify these Terms at any time. Material changes will be communicated to active clients with reasonable advance notice. Continued use of our services after any update constitutes acceptance of the revised Terms.

These Terms are governed by the laws of Canada and the province in which our business is registered. Any disputes shall first be attempted through informal resolution, then mediation if required, before any formal legal proceedings are initiated.

For any questions, disputes, or concerns about these Terms: