Terms of Service

Welcome to Iron Mill Home. These Terms of Service (the "Agreement") constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Iron Mill Home (“we,” “us” or “our”), concerning your access to and use of our website and its content.

By accessing this site, which specializes in consumer credit education, hidden fee analysis, and financial transparency within the Quebec market, you acknowledge that you have read, understood, and agreed to be bound by all of these Terms of Service. If you do not agree with all of these terms, then you are expressly prohibited from using the site and you must discontinue use immediately.

Iron Mill Home provides educational resources, calculators, and analytical articles regarding:

• • Consumer loan structures in Quebec City and the wider province.
• • Identification of hidden bank fees and administrative charges.
• • Comparative analysis of interest rates and credit score impacts.
• • Methods for debt consolidation and borrower rights under the Quebec Consumer Protection Act.

Please note that Iron Mill Home is NOT a financial institution, lender, or licensed mortgage broker. We do not issue loans or provide individual financial counseling.

You may not access or use the site for any purpose other than that for which we make the site available. Prohibited activities include, but are not limited to:

• Systematically retrieving data or other content from the site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission.
• Circumventing, disabling, or otherwise interfering with security-related features of the site.
• Engaging in unauthorized framing of or linking to the site.
• Using any information obtained from the site in order to harass, abuse, or harm another person.
• Using the site in a manner inconsistent with any applicable laws or regulations of the Province of Quebec.

Unless otherwise indicated, the site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws of Canada and international conventions.

The Content and the Marks are provided on the site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Service, no part of the site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

In no event will Iron Mill Home or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages.

Certain provincial laws, such as the Quebec Consumer Protection Act, do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers or limitations may not apply to you, and you may have additional rights.

These Terms of Service and your use of the site are governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to its conflict of law principles.

Any legal action of whatever nature brought by either you or us shall be commenced or prosecuted in the courts of the District of Quebec, City of Quebec, and the parties hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Service at any time and for any reason. We will alert you about any changes by updating the “Last Updated” date of these Terms of Service, and you waive any right to receive specific notice of each such change.

In order to resolve a complaint regarding the site or to receive further information regarding use of the site, please contact us at: