Terms of Service

Introduction

These Terms of Service (“Terms”) govern your use of www.victorymortgagebc.ca, owned and operated by Victory Chukwuemeka (hereafter referred to as “we,” “us,” or “our”), a sub-mortgage broker licensed with the British Columbia Financial Services Authority (BCFSA), and affiliated with BC BEST MORTGAGES GROUP LTD. By accessing or using our website and services, you agree to comply with and be bound by these Terms.

Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.

Use of Our Services

  • Eligibility: You must be at least 19 years of age to use our services, as per British Columbia regulations for financial transactions.
  • Service Scope: We provide mortgage brokerage services, including but not limited to mortgage applications, renewal, refinancing, and debt consolidation. primarily for British Columbia residents, with a deep understanding of the BC market. We welcome inquiries from individuals in other provinces or internationally, but services for non-BC residents may be subject to jurisdictional considerations.
  • Prohibited Conduct: You agree not to use our site for any unlawful purpose, to submit false information, or to interfere with the site’s functionality (e.g., hacking, spamming).

Mortgage Brokerage Services

  • No Guarantee: We strive to find competitive mortgage rates and terms, but we do not guarantee approval or specific outcomes. Mortgage approvals are subject to lender criteria.
  • Financial Advice Disclaimer: Information provided on our site does not constitute financial advice. Consult a qualified professional for personalized financial decisions.
  • Client Responsibilities: You are responsible for providing accurate and complete information during the mortgage application process.

User Responsibilities

  • You agree to use our website and services in a lawful and respectful manner. You are responsible for:
    • Providing accurate and complete information when using our services.
    • Maintaining the confidentiality of your personal information.
    • Not engaging in any activity that could harm our website or services.

Privacy

  • Your use of our website and services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using our website and services, you consent to our collection and use of your information as described in the Privacy Policy.

Intellectual Property

  • All content on this site (e.g., text, logos, images) is owned by Victory Chukwuemeka or licensed to us, and is protected by copyright and other intellectual property laws. You may not use, reproduce, or distribute any content without our prior written consent. You may not reproduce, distribute, or modify our content without permission.

Third-Party Links

  • Our website may contain links to third-party websites. These links are provided for your convenience, and we do not endorse or assume any responsibility for the content or practices of these third-party websites. Your use of third-party websites is at your own risk.

Limitation of Liability

  • To the fullest extent permitted by law, Victory Chukwuemeka and its affiliates  shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with your use of our website or services, including but not limited to financial losses, errors, or delays in mortgage processing. 

Indemnification

  • You agree to indemnify and hold Victory Chukwuemeka and its affiliates harmless from any claims, liabilities, damages, losses, and expenses, including legal fees, arising out of or in connection with your use of our website or services or your violation of these Terms.

Termination

  • We reserve the right to terminate or suspend your access to our website and services at any time, without notice, for any reason, including if we believe you have violated these Terms.

Changes to These Terms

  • We may update these Terms from time to time. Any changes will be posted on this page, and your continued use of our website and services after such changes constitutes your acceptance of the new Terms.

Governing Law

  • These Terms are governed by and construed in accordance with the laws of British Columbia and Canada, without regard to its conflict of law principles. Any disputes arising out of or in connection with these Terms shall be resolved in the courts of British Columbia.

Contact Us

  • For questions about these Terms, please contact us at:
    • Name: Victory Chukwuemeka
    • Email: contact@victorymortgagebc.ca
    • Phone: 236-978-0106
    • Address: 130, 709 SE Marine Drive, Vancouver, BC, V5X 2T9

Last Updated: March 11, 2025

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