Terms of Service
Last updated: October 18, 2026
1. Agreement to Terms
This website is operated by CJ Singh, Mortgage Agent Level 2, providing mortgage services through Choice Financial Corp., FSRA Brokerage #13564.
By accessing or using www.thecapitaljunction.com, you agree to these Terms of Service. If you do not agree, please discontinue using the website.
These terms govern website use and do not replace any separate mortgage service agreements, lender commitments, or legally required disclosures.
2. Permitted Use
Website information, guides, calculators, and downloadable materials are provided for personal, non-commercial use.
You may download or print materials for your own reference. You may not reproduce, redistribute, modify for commercial distribution, or misuse website content without permission, except where permitted by law.
You must not interfere with website security, attempt unauthorized access, or use the website for unlawful purposes.
3. Mortgage Information Disclaimer
Mortgage information, rates, calculators, guides, and examples are provided for general informational purposes only.
Mortgage rates, eligibility, financing amounts, fees, and terms depend on individual circumstances, lender criteria, market conditions, and applicable regulations.
Information displayed on this website does not constitute mortgage approval, a binding financing commitment, or a guarantee of credit.
Formal mortgage approval is subject to lender underwriting, verification, applicable conditions, and required documentation.
Any advertised rates and financing offers remain subject to applicable disclosure requirements.
Responses provided through chat, voice or AI-assisted features are general information only and are not mortgage advice, approval or a recommendation.
4. Mortgage Calculators and Estimates
Mortgage calculators and other financial tools provide estimates based on the information entered and the assumptions used.
Actual mortgage payments, borrowing capacity, interest costs, qualification results, and associated expenses may differ.
Calculator results are not a mortgage pre-approval or a commitment from a lender.
Users should obtain a personalized mortgage assessment before relying on estimates for financial decisions.
5. Website Inquiries and Applications
Submitting a contact form, requesting a guide, using a calculator, or booking an appointment does not, by itself, establish mortgage approval or a lender commitment.
Formal mortgage applications, credit checks, and lender submissions are handled through appropriate application, authorization, and disclosure procedures.
The submission of an inquiry does not guarantee that mortgage financing will be available.
6. Accuracy and Availability
We make reasonable efforts to keep website information accurate and current. However, information may contain errors or become outdated.
We may update website content, features, or services without prior notice.
Website features may occasionally be unavailable due to maintenance, technical issues, or circumstances beyond our reasonable control.
7. Third-Party Services and Links
Our website may provide access to mortgage application platforms, scheduling tools, calculators, communication systems, or external websites operated by third parties.
These services may have their own terms and privacy policies.
We do not control the content or availability of independent third-party websites.
Our handling of personal information is described in our Privacy Policy.
8. Limitation of Liability
To the extent permitted by applicable law, CJ Singh and Choice Financial Corp. are not responsible for indirect or consequential losses arising solely from use of, or inability to access, the website or its general informational content.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded, or reduces applicable consumer protections, privacy obligations, or regulatory duties associated with mortgage brokerage services.
9. Changes to These Terms
We may revise these Terms of Service periodically to reflect changes to our website, services, or applicable legal requirements.
Updated terms will be posted on this website with a revised date. Changes will apply prospectively, subject to applicable law.
10. Governing Law and Contact
These Terms are governed by the applicable laws of Ontario and Canada, without limiting any mandatory legal rights or protections available to users.
For questions concerning these Terms of Service, please contact:
CJ Singh — Mortgage Agent Level 2
Mortgage services provided through Choice Financial Corp., Independently Owned & Operated
FSRA Brokerage #13564
Email: cj@thecapitaljunction.com
Phone: (647) 455-2525
Website: www.thecapitaljunction.com