Last Updated: January 3, 2026
1. Acceptance of Terms
Welcome to OnLendHub (“we,” “us,” “our”). By accessing or using our website at onlendhub.ca (the “Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Site.
OnLendHub is operated by Chandramouli Srinivasan, a licensed Mortgage Agent (License #M25003021) under 8Twelve Mortgage (Brokerage License #13072).
2. Services Provided
OnLendHub provides mortgage brokerage services including:
- Mortgage pre-approval services
- First-time home buyer consultations
- Refinancing and renewal assistance
- Mortgage rate comparisons from 65+ lenders
- Educational resources about mortgage products
Important: We are mortgage brokers, not lenders. We connect borrowers with appropriate lenders and mortgage products but do not directly provide mortgage loans.
3. Eligibility and Use Restrictions
By using this Site, you represent that:
- You are at least 18 years of age
- You are a resident of Canada (primarily Ontario)
- You have the legal capacity to enter into a binding contract
- All information you provide is accurate and truthful
You agree not to:
- Use the Site for any unlawful purpose
- Provide false or misleading information
- Attempt to gain unauthorized access to our systems
- Use automated systems (bots, scrapers) without permission
- Reverse engineer or copy our content without authorization
4. Mortgage Services Disclaimer
4.1 No Guarantee of Approval
Mortgage applications are subject to lender approval. We do not guarantee:
- Mortgage approval
- Specific interest rates
- Loan amounts
- Approval timelines
4.2 Rates and Terms
All mortgage rates, terms, and product information are:
- Subject to change without notice
- Dependent on individual qualification criteria
- Provided for informational purposes only
- Subject to lender final approval and underwriting
4.3 Professional Advice
While we provide professional mortgage advice, we recommend:
- Consulting with legal counsel before signing mortgage documents
- Reviewing all terms with a financial advisor
- Understanding your obligations before committing to a mortgage
- Obtaining independent legal advice on property transactions
5. Information Collection and Use
Your use of our Site is also governed by our Privacy Policy. By using the Site, you consent to our collection and use of personal information as described in our Privacy Policy.
We collect information to:
- Process mortgage applications
- Provide personalized mortgage recommendations
- Communicate about your mortgage inquiry
- Comply with regulatory requirements
- Improve our services
6. Intellectual Property
All content on this Site, including text, graphics, logos, images, videos, and software, is the property of OnLendHub or its licensors and is protected by Canadian and international copyright laws.
You may:
- View and download content for personal, non-commercial use
- Print pages for personal reference
You may not:
- Reproduce, distribute, or display content commercially
- Modify or create derivative works
- Remove copyright or proprietary notices
7. Third-Party Links and Services
Our Site may contain links to third-party websites (lenders, government resources, calculators). We are not responsible for:
- Content on third-party sites
- Privacy practices of external sites
- Products or services offered by third parties
- Accuracy of external information
You access third-party sites at your own risk.
8. Communications
By providing your contact information, you consent to receive:
- Email communications about your mortgage inquiry
- Phone calls from our licensed mortgage agents
- Text messages (SMS) regarding appointments and updates
- Marketing communications about mortgage products and services
You may opt out of marketing communications at any time by:
- Clicking “unsubscribe” in our emails
- Contacting us at hello@onlendhub.ca
- Calling 1-289-627-9954
9. Limitation of Liability
To the fullest extent permitted by law:
We are not liable for:
- Indirect, incidental, or consequential damages
- Lost profits or business opportunities
- Errors or omissions in content
- Service interruptions or technical issues
- Decisions made based on information from our Site
- Actions of third-party lenders
Our total liability to you for any claims arising from use of our Site shall not exceed CAD $100.
10. Regulatory Compliance
OnLendHub operates under the regulatory oversight of:
- Financial Services Regulatory Authority of Ontario (FSRA)
- Mortgage Brokerages, Lenders and Administrators Act, 2006
- Personal Information Protection and Electronic Documents Act (PIPEDA)
Our brokerage, 8Twelve Mortgage, is licensed in Ontario under license #13072.
11. Mortgage Stress Test and Qualification
All mortgage applications are subject to:
- The Canadian mortgage stress test
- Lender-specific qualification criteria
- Income verification requirements
- Credit checks and assessments
- Property appraisal and evaluation
Meeting minimum requirements does not guarantee approval.
12. Fees and Compensation
Brokerage Fees: In most cases, our services are provided at no direct cost to you. We receive compensation from lenders when a mortgage is successfully funded.
Transparency: We will disclose any fees or compensation arrangements before you commit to any mortgage product.
13. Indemnification
You agree to indemnify and hold harmless OnLendHub, 8Twelve Mortgage, and our agents from any claims, losses, or damages arising from:
- Your use of the Site
- Your violation of these Terms
- Your violation of any third-party rights
- Fraudulent or false information you provide
14. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site with an updated “Last Updated” date.
Your continued use of the Site after changes constitutes acceptance of the modified Terms.
15. Termination
We may terminate or suspend your access to our Site at any time, without notice, for:
- Violation of these Terms
- Fraudulent activity
- Provision of false information
- Any reason at our sole discretion
16. Dispute Resolution and Governing Law
Governing Law: These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.
Jurisdiction: Any disputes shall be resolved in the courts of Ontario, Canada.
Arbitration: Before pursuing legal action, parties agree to attempt good-faith negotiation for at least 30 days.
17. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
18. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and OnLendHub regarding use of the Site.
19. Contact Information
If you have questions about these Terms of Use, please contact us:
OnLendHub
Chandramouli Srinivasan
Mortgage Agent License: M25003021
8Twelve Mortgage (Brokerage License: 13072)
Email: hello@onlendhub.ca
Phone: 1-289-627-9954
Address: Toronto, Ontario, Canada
20. Accessibility
We are committed to ensuring our Site is accessible to all users. If you experience any accessibility issues, please contact us at hello@onlendhub.ca.
