Last Updated: September 2026
Welcome to jyotimaharana.ca (the "Website"). By accessing or browsing this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree with these terms, please do not use this Website.
1. Educational and Informational Content Only
All content, articles, scenarios, and commentary on this Website are published strictly for general informational and educational purposes. Nothing on this Website constitutes personalized investment, financial, legal, tax, or mortgage lending advice.
Financial and real estate scenarios vary widely based on individual circumstances. Real estate values fluctuate, borrowing rates change, and investment strategies involve inherent market risks, including the potential loss of principal. You should always consult your own qualified independent professionals—such as a certified financial planner, chartered professional accountant (CPA), licensed mortgage specialist, and legal counsel—before making financial or real estate commitments.
2. No Professional Client or Agency Relationship
Jyoti Maharana is a licensed Mortgage Agent (License #M11000123) in Ontario. Visiting this Website, reading published guides, or submitting a general inquiry form does not create a client, broker, agency, or fiduciary relationship between you and Jyoti Maharana. A formal agency or client relationship requires a separate, mutually executed written agreement.
3. Intellectual Property
All written text, graphics, branding, site structure, and visual designs published on this Website are the intellectual property of Jyoti Maharana or are used under license. You may view and print pages for your personal, non-commercial educational use. Republication, reproduction, or distribution without prior written permission is prohibited.
4. Accuracy and External Links
While reasonable efforts are made to keep information on this Website clear and current, Canadian mortgage rules, tax policies, and housing markets change over time. We make no representations or warranties as to the ongoing completeness or precision of all historical information. Links to external third-party websites are provided for reference only; we do not endorse or assume responsibility for third-party content.
5. Limitation of Liability
To the fullest extent permitted by applicable law, Jyoti Maharana shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use of, or inability to use, this Website or the educational materials contained herein.
6. Governing Jurisdiction
These Terms of Use are governed by the laws of the Province of Ontario and the applicable federal laws of Canada.
7. Contact
If you have questions regarding these Terms of Use, please reach out directly:
Jyoti Maharana
Mortgage Agent (License #M11000123)
301 Fruitland Road, Stoney Creek, ON, L8E 5M1
Phone: 647-618-6979
Email: jp.maharana@gmail.com