{"id":1683,"date":"2026-06-21T14:18:48","date_gmt":"2026-06-21T14:18:48","guid":{"rendered":"https:\/\/karimhammal.ca\/?page_id=1683"},"modified":"2026-07-28T16:45:33","modified_gmt":"2026-07-28T16:45:33","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/karimhammal.ca\/en\/terms-and-conditions\/","title":{"rendered":"Terms and conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1683\" class=\"elementor elementor-1683\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23ee0ed e-con-full e-flex e-con e-parent\" data-id=\"23ee0ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a89f2dc elementor-widget elementor-widget-text-editor\" data-id=\"a89f2dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<!-- ============================================================\n     TERMS OF USE, PRIVACY POLICY & PRE-QUALIFICATION CONSENT\n     karimhammal.ca \u2014 BILINGUAL (EN \/ FR), self-translating by URL\n     \u2022 French when URL path starts with \/fr\/ (also \/fr-ca\/) OR the\n       page <html lang> is French. 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Remove that\n       attribute if you don't want that behaviour.\n\n     Paste into a WordPress \"Custom HTML\" widget \/ block.\n     ============================================================ -->\n\n<style>\n  .khtc-wrap {\n    font-family: 'Segoe UI', Arial, sans-serif;\n    color: #374151;\n    line-height: 1.7;\n    padding: 24px 16px;\n    box-sizing: border-box;\n  }\n  .khtc-card {\n    max-width: 100%;\n    margin: 0 auto;\n    background: #ffffff;\n    border: 1px solid #e5e7eb;\n    border-top: 4px solid #D4AF37;   \/* subtle brand accent (header removed) *\/\n    border-radius: 14px;\n    box-shadow: 0 10px 40px rgba(13,44,88,0.08);\n    overflow: hidden;\n  }\n\n  \/* Title *\/\n  .khtc-titleband { text-align: center; padding: 34px 38px 0; }\n  .khtc-title { color: #0D2C58; font-size: 1.5rem; font-weight: 800; margin: 0; line-height: 1.3; }\n  .khtc-titlerule { width: 60px; height: 3px; background: #D4AF37; margin: 16px auto 0; border-radius: 2px; }\n\n  \/* Body *\/\n  .khtc-body { padding: 8px 38px 34px; }\n\n  \/* Intro *\/\n  .khtc-intro { margin: 20px 0 4px; }\n  .khtc-intro p { font-size: 0.95rem; color: #4B5563; margin: 0 0 10px; }\n  .khtc-intro p:last-child { margin-bottom: 0; }\n\n  \/* Subsection *\/\n  .khtc-sub { margin: 18px 0; }\n  .khtc-sub-h {\n    color: #0D2C58; font-size: 1.02rem; font-weight: 700; margin: 0 0 6px;\n    padding-left: 12px; border-left: 3px solid #D4AF37;\n  }\n  .khtc-sub p { margin: 0 0 10px; font-size: 0.94rem; color: #374151; }\n  .khtc-sub p:last-child { margin-bottom: 0; }\n  .khtc-sub a { color: #0D2C58; font-weight: 600; }\n  .khtc-contactblock p { margin: 2px 0; }\n\n  @media (max-width: 680px) {\n    .khtc-titleband { padding: 28px 22px 0; }\n    .khtc-body { padding: 8px 22px 26px; }\n    .khtc-title { font-size: 1.25rem; }\n  }\n<\/style>\n\n<!-- translate=\"no\" => this block translates itself by URL -->\n<section class=\"khtc-wrap\" id=\"kh-terms\" translate=\"no\">\n  <div class=\"khtc-card\">\n\n    <div class=\"khtc-titleband\">\n      <h1 class=\"khtc-title\" data-khtc-i18n=\"docTitle\">Terms of Use, Privacy Policy &amp; Pre-Qualification Consent<\/h1>\n      <div class=\"khtc-titlerule\"><\/div>\n    <\/div>\n\n    <div class=\"khtc-body\">\n\n      <div class=\"khtc-intro\" data-khtc-i18n-html=\"intro\"><p>Welcome to Karim Hammal&rsquo;s Mortgage Pre-Qualification Tool.<\/p><p>Throughout this document, \u201cKarim Hammal\u201d, \u201cwe\u201d, \u201cus\u201d, and \u201cour\u201d refer to Karim Hammal, Mortgage Broker, and any authorized partners or service providers involved in processing your mortgage inquiry.<\/p><\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s1Title\">Terms of Service<\/div>\n        <div data-khtc-i18n-html=\"s1Body\"><p>By using this website, mortgage calculators, pre-qualification tools, forms, or related services, you agree to these Terms of Use and Privacy Policy.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s2Title\">Territorial Restrictions<\/div>\n        <div data-khtc-i18n-html=\"s2Body\"><p>Our services are intended for residents of Canada and are subject to applicable Canadian laws and regulations.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s3Title\">Collection and Use of Personal Information<\/div>\n        <div data-khtc-i18n-html=\"s3Body\"><p>We collect personal information such as your name, address, contact information, employment details, income information, mortgage information, and credit-related information to assess your mortgage needs and provide financing options.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s4Title\">Disclosure of Information<\/div>\n        <div data-khtc-i18n-html=\"s4Body\"><p>Your information may be shared with lenders, mortgage insurers, credit bureaus, appraisers, notaries, lawyers, financial institutions, and service providers as necessary to process your mortgage application or inquiry.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s5Title\">Pre-Qualification Conditions<\/div>\n        <div data-khtc-i18n-html=\"s5Body\"><p>Any mortgage pre-qualification is an estimate only and is not a mortgage approval. Qualification amounts remain subject to lender policies, income verification, credit review, property review, and final underwriting approval.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s6Title\">Credit Bureau Consent<\/div>\n        <div data-khtc-i18n-html=\"s6Body\"><p>By submitting a request, you authorize Karim Hammal and authorized lending partners to obtain credit information when necessary to evaluate your mortgage options and provide pre-qualification services.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s7Title\">Canada Anti-Spam Legislation (CASL)<\/div>\n        <div data-khtc-i18n-html=\"s7Body\"><p>By completing a form on this website, you consent to your information being stored in our client and prospect database. You also consent to receiving communications from Karim Hammal and his team regarding mortgage services, renewals, refinancing opportunities, market updates, educational content, promotions, newsletters, and follow-ups related to your inquiry. You may unsubscribe at any time through the unsubscribe link in our emails or by contacting us directly.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s8Title\">Limitation of Liability<\/div>\n        <div data-khtc-i18n-html=\"s8Body\"><p>Information provided on this website is for informational purposes only. No guarantee of mortgage approval or interest rate is expressed or implied.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s9Title\">Governing Law<\/div>\n        <div data-khtc-i18n-html=\"s9Body\"><p>These terms are governed by the laws of the Province of Quebec and the laws of Canada applicable therein.<\/p><\/div>\n      <\/div>\n\n      <div class=\"khtc-sub\">\n        <div class=\"khtc-sub-h\" data-khtc-i18n=\"s10Title\">Contact<\/div>\n        <div data-khtc-i18n-html=\"s10Body\"><div class=\"khtc-contactblock\"><p>Karim Hammal<\/p><p>Mortgage Broker<\/p><p>Email: <a href='mailto:info@karimhammal.ca'>info@karimhammal.ca<\/a><\/p><p>Website: <a href='https:\/\/karimhammal.ca'>karimhammal.ca<\/a><\/p><\/div><\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<script>\n\/* ============================================================\n   LANGUAGE DETECTION\n   French if URL path starts with \/fr (also \/fr-ca, \/fr-fr)\n   OR the page <html lang> is French.\n   ============================================================ *\/\nvar KHTC_LANG = 'en';\n\nfunction khtcGetLang() {\n  var path = (window.location.pathname || '').toLowerCase();\n  var hl = (document.documentElement.getAttribute('lang') || '').toLowerCase();\n  if (\/^\\\/fr(-[a-z]{2})?(\\\/|$)\/.test(path) || hl.indexOf('fr') === 0) return 'fr';\n  return 'en';\n}\n\n\/* ============================================================\n   TRANSLATIONS  (double-quoted strings; HTML attributes use\n   single quotes so nothing needs escaping)\n   ============================================================ *\/\nvar KHTC_I18N = {\n  en: {\n    docTitle: \"Terms of Use, Privacy Policy & Pre-Qualification Consent\",\n    intro: \"<p>Welcome to Karim Hammal's Mortgage Pre-Qualification Tool.<\/p><p>Throughout this document, \u201cKarim Hammal\u201d, \u201cwe\u201d, \u201cus\u201d, and \u201cour\u201d refer to Karim Hammal, Mortgage Broker, and any authorized partners or service providers involved in processing your mortgage inquiry.<\/p>\",\n\n    s1Title: \"Terms of Service\",\n    s1Body: \"<p>By using this website, mortgage calculators, pre-qualification tools, forms, or related services, you agree to these Terms of Use and Privacy Policy.<\/p>\",\n    s2Title: \"Territorial Restrictions\",\n    s2Body: \"<p>Our services are intended for residents of Canada and are subject to applicable Canadian laws and regulations.<\/p>\",\n    s3Title: \"Collection and Use of Personal Information\",\n    s3Body: \"<p>We collect personal information such as your name, address, contact information, employment details, income information, mortgage information, and credit-related information to assess your mortgage needs and provide financing options.<\/p>\",\n    s4Title: \"Disclosure of Information\",\n    s4Body: \"<p>Your information may be shared with lenders, mortgage insurers, credit bureaus, appraisers, notaries, lawyers, financial institutions, and service providers as necessary to process your mortgage application or inquiry.<\/p>\",\n    s5Title: \"Pre-Qualification Conditions\",\n    s5Body: \"<p>Any mortgage pre-qualification is an estimate only and is not a mortgage approval. Qualification amounts remain subject to lender policies, income verification, credit review, property review, and final underwriting approval.<\/p>\",\n    s6Title: \"Credit Bureau Consent\",\n    s6Body: \"<p>By submitting a request, you authorize Karim Hammal and authorized lending partners to obtain credit information when necessary to evaluate your mortgage options and provide pre-qualification services.<\/p>\",\n    s7Title: \"Canada Anti-Spam Legislation (CASL)\",\n    s7Body: \"<p>By completing a form on this website, you consent to your information being stored in our client and prospect database. You also consent to receiving communications from Karim Hammal and his team regarding mortgage services, renewals, refinancing opportunities, market updates, educational content, promotions, newsletters, and follow-ups related to your inquiry. You may unsubscribe at any time through the unsubscribe link in our emails or by contacting us directly.<\/p>\",\n    s8Title: \"Limitation of Liability\",\n    s8Body: \"<p>Information provided on this website is for informational purposes only. 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Vous acceptez \u00e9galement de recevoir des communications de Karim Hammal et de son \u00e9quipe concernant les services hypoth\u00e9caires, les renouvellements, les refinancements, les promotions, les mises \u00e0 jour du march\u00e9, le contenu \u00e9ducatif et les suivis li\u00e9s \u00e0 votre demande. 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Throughout this document, \u201cKarim Hammal\u201d, \u201cwe\u201d, \u201cus\u201d, and \u201cour\u201d refer to Karim Hammal, Mortgage Broker, and any authorized partners or service providers involved in processing your mortgage inquiry. Terms of Service By using this website, mortgage calculators, pre-qualification tools, forms, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1683","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms and conditions - Karim Hammal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/karimhammal.ca\/en\/terms-and-conditions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms and conditions - Karim Hammal\" \/>\n<meta property=\"og:description\" content=\"Terms of Use, Privacy Policy &amp; Pre-Qualification Consent Welcome to Karim Hammal&rsquo;s Mortgage Pre-Qualification Tool. Throughout this document, \u201cKarim Hammal\u201d, \u201cwe\u201d, \u201cus\u201d, and \u201cour\u201d refer to Karim Hammal, Mortgage Broker, and any authorized partners or service providers involved in processing your mortgage inquiry. 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