Terms of Service
Effective date: January 1, 2026
These Terms of Service ("Terms") govern your use of the website operated by Centum Chandi Mortgages Inc. ("we," "us," "our") at chandimortgages.ca. By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the website.
About Our Services
Centum Chandi Mortgages Inc. is an independent mortgage brokerage licensed by the BC Financial Services Authority (BCFSA). We arrange mortgage financing by connecting borrowers with third-party lenders. We are not a lender and do not provide loans directly. Our role is to assess your needs, recommend suitable products, and submit applications to lenders on your behalf.
Centum Chandi Mortgages Inc. is an independently owned and operated franchise of the Centum network. Centum Financial Group Inc. ("CENTUM®") grants franchises to operate mortgage brokerage businesses but does not itself provide mortgage broker services. This website is operated by Centum Chandi Mortgages Inc., not by Centum Financial Group Inc.
No Guarantee of Approval, Rates, or Terms
Information on this website — including any reference to interest rates, products, or lender programs — is provided for general information only and is subject to change without notice. Nothing on this website constitutes an offer of credit or a commitment to lend.
Mortgage approval, the interest rate, and the terms you receive depend on lender criteria, your financial circumstances, the property, and market conditions at the time of application. Rates and product availability change frequently. We do not guarantee that any particular rate, product, or approval will be available to you.
Not Financial, Legal, or Tax Advice
Content on this website is general in nature and does not constitute financial, legal, accounting, or tax advice, and should not be relied on as such. You should obtain advice tailored to your specific situation from a qualified professional before making financial decisions. For advice specific to your mortgage, contact us directly.
Your Responsibilities
When you provide information to us — whether through the website contact form, by phone, or through a mortgage application — you agree to provide accurate, complete, and current information. Providing false or misleading information may affect our ability to serve you and may have legal consequences. You are responsible for maintaining the confidentiality of any login credentials you use to access third-party application portals.
Third-Party Links and Services
This website contains links to third-party websites and services, including the Scarlett Network application portal and lender websites. These links are provided for convenience. We do not control and are not responsible for the content, products, services, or privacy practices of third-party sites. Your use of those sites is governed by their own terms and policies.
Intellectual Property
The original content on this website created by us — including text, graphics, and design — is owned by or licensed to Centum Chandi Mortgages Inc. and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.
The CENTUM® name and logo are trade-marks of Centum Financial Group Inc., used by Centum Chandi Mortgages Inc. under license as an independent franchisee. Nothing on this website grants you any right to use the CENTUM® marks. Other product, company, and lender names or marks appearing on this website are the property of their respective owners.
Limitation of Liability
To the fullest extent permitted by law, Centum Chandi Mortgages Inc. is not liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this website, or from reliance on any information provided on it. The website is provided "as is" without warranties of any kind, express or implied.
Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
Changes to These Terms
We may update these Terms from time to time. The "Last updated" date reflects the most recent revision. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.
Governing Law
These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable there, without regard to conflict-of-law principles. Any dispute relating to these Terms or the website is subject to the exclusive jurisdiction of the courts of British Columbia.
Contact
Questions about these Terms can be directed to:
Centum Chandi Mortgages Inc.
7092 125 Street, Surrey, BC V3W 0T9
sarup@centum.ca · 604-970-5030