1. Acceptance of These Terms
These Terms of Service (the “Terms”) are an agreement between you and Adrian Williams – Mortgage Agent (“Adrian Williams,” “we,” “us” or “our”). They apply when you visit or use adrianwilliams.ca (the “Site”), submit a website form, use website chat, book an appointment or communicate with us through a feature made available on the Site.
By using the Site, you confirm that you have read and agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site or its communication tools.
2. Who We Are
Adrian Williams is a Mortgage Agent, Level 2 (Licence #M08002958), authorized to deal in mortgages in Ontario through Premiere Mortgage Centre Inc. (Brokerage Licence #10317). Mortgage products and services are arranged through the brokerage and are subject to applicable law, lender requirements, product availability and separate documentation.
Adrian Williams’ client-facing office and website contact address is 577 Kingston Road, Toronto, Ontario M4E 1R3. Premiere Mortgage Centre Inc.’s Ontario regional and licensed brokerage office is 1655 Dupont Street, Suite 101, Toronto, Ontario M6P 3T1. Its corporate head office is 123 Chain Lake Drive, Suite 100, Halifax, Nova Scotia B3S 1B3. These addresses serve different business and regulatory roles.
3. Purpose and Scope of the Site
The Site provides general information about mortgage planning and advice, home purchases, first-time buyer mortgages, pre-approvals, refinancing, debt consolidation, home-equity financing, renewals, self-employed solutions, reverse mortgages, investment and vacation properties, bridge financing, credit-challenged situations, divorce or separation, and alternative or private financing.
The Site also allows you to make an inquiry, use website chat, request information, book an appointment and choose whether to receive related communications. These Terms govern those website activities only.
A formal mortgage application, suitability assessment, credit review, lender submission, approval or funding process is governed by separate brokerage, lender, insurer, credit bureau, identity-verification, document-signing and other agreements, disclosures or consents. If those documents conflict with these Terms on a mortgage transaction, the transaction-specific documents control.
Premiere Mortgage Centre Inc.’s separate Privacy Policy may apply when information enters the brokerage’s formal mortgage process.
4. General Information, Not a Commitment
Site content is provided for general information and educational purposes. It is not legal, tax, accounting, investment or financial-planning advice. You should obtain advice from qualified professionals where appropriate to your circumstances.
Information on the Site does not constitute a mortgage approval, pre-approval, rate hold, lender commitment, funding commitment or guarantee of eligibility. Rates, payments, product features, qualification rules and lender policies can change without notice. Any illustration, calculator result, example or estimate is preliminary and may differ from the terms available after a complete review.
Using the Site, sending a message or booking an appointment does not by itself create a mortgage-agent client relationship, duty to submit an application, exclusivity arrangement or obligation for either party to proceed.
5. Eligibility and Information You Provide
The Site is intended for people seeking information about Ontario mortgage services. You must be at least 18 years old to submit a mortgage application or enter into a mortgage-related agreement. If you use the Site on behalf of another person or organization, you represent that you are authorized to do so.
You agree to provide information that is accurate, current and not misleading. Do not impersonate another person or submit another person’s personal information without authority. You are responsible for checking the accuracy of your contact details so we can respond to your request.
Do not send Social Insurance Numbers, banking passwords, government identification, credit reports or detailed financial documents through the general contact form, website chat or ordinary text message. If you decide to proceed with a mortgage application, we will provide or identify an appropriate process for sensitive documents.
6. Electronic Communications
When you contact us or ask us to respond, you authorize us to communicate with you about that request by the method you selected or reasonably used, which may include email, telephone, website chat or text message. Electronic communications can be delayed, misdirected or intercepted. Do not use an ordinary electronic message for urgent instructions, time-sensitive closing directions or highly sensitive information.
We may send appointment confirmations, reminders, scheduling messages, responses to questions and service-related updates that you requested or that are reasonably connected with your inquiry. We do not treat the submission of a telephone number alone as consent to receive automated text messages.
7. SMS Program Terms
Program and opt-in
The Adrian Williams – Mortgage Agent SMS program provides non-marketing messages about website inquiries, requested information, appointments, scheduling and requested service-related updates. You opt in only by actively selecting a separate, optional and unchecked SMS consent box on a Site form. Consent to text messages is not a condition of purchasing or receiving any product or service.
Message frequency and charges
Message frequency may vary depending on your inquiry and activity. Message and data rates may apply under your mobile plan. Your carrier’s messaging and data terms also apply.
Opt-out and help
Reply STOP to any text message to opt out. After you opt out, we may send one final text confirming your request. Reply HELP for assistance, call 416-562-2958 or email adrian@premieremortgage.ca. We will honour opt-out requests as promptly as reasonably possible.
Delivery and availability
Text-message delivery is subject to carrier availability, network conditions, compatible devices and the accuracy of the number you provide. Delivery is not guaranteed. Carriers are not responsible for delayed or undelivered messages. We may change, suspend or discontinue the SMS program or a feature of it where reasonably necessary, subject to applicable law.
Privacy and consent records
Our Privacy Policy explains how we handle mobile information, SMS opt-in data and consent records. SMS consent and text messaging originator opt-in data are not sold, rented or shared with affiliates or third parties for their own marketing or promotional purposes. Text-message service providers and aggregators may process information only as needed to deliver and support the messaging service.
8. Email and Other Electronic Messages
We may send email or other electronic messages in response to a request you initiate, to manage an appointment or to provide information or updates you requested. If we send a commercial electronic message, we will use consent or another basis permitted by law, identify the sender and provide a working unsubscribe method as required by Canada’s Anti-Spam Legislation (CASL). You may use the unsubscribe link where provided or email adrian@premieremortgage.ca. An unsubscribe request does not prevent messages that are required to complete a transaction you requested, respond to a new request, confirm an opt-out, protect security or meet a legal obligation.
9. Acceptable Use
You may use the Site only for lawful, personal or legitimate business purposes connected with the services described on the Site. You must not:
Interfere with the Site. Attempt to disrupt, disable, overload, probe or bypass the Site, its forms, chat, security controls or connected systems.
Use automated abuse. Use bots, scraping tools or automated requests in a way that creates unreasonable load, collects personal information or circumvents access controls.
Transmit harmful material. Upload or send malware, malicious code, deceptive content, unlawful content or material that infringes another person’s rights.
Misrepresent yourself. Submit false inquiries, impersonate another person or use another person’s contact information without authority.
Exploit the content. Copy, republish, sell or commercially exploit substantial Site content except with written permission or as permitted by law.
10. Intellectual Property
The Site and its original text, design, graphics, logos, videos, downloads and other content are owned by or licensed to Adrian Williams or Premiere Mortgage Centre Inc., unless otherwise stated. They are protected by applicable intellectual-property laws.
You may view the Site and print or save a reasonable copy of publicly available material for your personal, non-commercial use. No other licence is granted. You may not remove ownership notices, imply endorsement, use our names or branding in a misleading manner, or reproduce substantial Site content without prior written permission, except where permitted by law.
11. Third-Party Services and Links
The Site may rely on third-party providers for hosting, forms, website chat, customer relationship management, appointment scheduling, email, telephone and SMS delivery, security and technical support. GoHighLevel (HighLevel) is a primary platform used to manage contact information, conversations, forms, appointments and communication workflows. Your use of a third-party feature may also be subject to that provider’s applicable terms.
The Site may link to lender, insurer, government, professional or other third-party websites. Links are provided for convenience and do not mean that we control, guarantee or endorse all third-party content, services or privacy practices. Review the applicable third-party terms and policies before using those services.
12. Site Availability and Changes
We may update, correct, suspend or remove Site content or features at any time. We do not promise that the Site will always be available, uninterrupted, complete, secure or free of errors. We may restrict access where reasonably necessary for maintenance, security, suspected misuse, legal compliance or protection of users and systems.
13. Disclaimer of Warranties
To the maximum extent permitted by applicable law, the Site and its content are provided on an “as is” and “as available” basis. We disclaim warranties and conditions that are not expressly stated in these Terms, including implied warranties of accuracy, availability, merchantability, fitness for a particular purpose and non-infringement. Nothing in these Terms excludes a warranty, condition or right that cannot lawfully be excluded.
14. Limitation of Liability
To the maximum extent permitted by applicable law, Adrian Williams and Premiere Mortgage Centre Inc., and their respective directors, officers, employees, agents and service providers, will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of data, revenue, profits, opportunity or goodwill, arising from or related to use of or inability to use the Site.
This limitation does not apply to liability that cannot lawfully be limited or excluded. It also does not override any duty or liability arising under a separate written mortgage-services agreement or applicable mortgage-brokering law.
15. Indemnity for Misuse
To the extent permitted by law, you agree to be responsible for reasonable losses, claims, costs or expenses arising directly from your unlawful use of the Site, your material breach of these Terms, or your infringement of another person’s rights. This section does not require you to indemnify anyone for their own negligence, wilful misconduct or breach of law.
16. Privacy
Our Privacy Policy forms part of these Terms and explains how personal information is collected, used, protected, retained and disclosed in connection with the Site and its communication tools. If you proceed with a formal mortgage application, additional brokerage and transaction-specific privacy notices and consents may apply.
17. Suspension or Termination
You may stop using the Site at any time. We may suspend or terminate access to the Site or a communication feature where reasonably necessary because of misuse, security risk, legal requirements or discontinuation of the feature. Sections that by their nature should continue after termination, including intellectual property, disclaimers, liability limits and governing law, will continue to apply.
18. Governing Law
These Terms are governed by the laws of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles. Subject to any right you may have under applicable consumer-protection law, the courts located in Ontario will have jurisdiction over disputes relating to these Terms or the Site.
19. General Terms
If a provision of these Terms is found unenforceable, it will be limited or removed only to the extent necessary, and the remaining provisions will continue in effect. A delay in enforcing a provision is not a waiver. You may not assign your rights under these Terms without our written consent. We may assign these Terms in connection with a lawful business reorganization or transfer, subject to applicable law.
These Terms and the Privacy Policy form the entire agreement about use of the Site and its communication tools, but they do not replace transaction-specific agreements or regulatory disclosures used in the formal mortgage process.
20. Changes to These Terms
We may update these Terms to reflect changes to the Site, communication practices, service providers or legal requirements. The revised Terms will be posted on this page with a new Last Updated date. Your continued use of the Site after the revised Terms take effect means you accept them. Where required by law, we will provide additional notice or obtain consent.
21. Contact Information
Questions about these Terms may be directed to:
Adrian Williams – Mortgage Agent
Mortgage Agent, Level 2 | Licence #M08002958
Premiere Mortgage Centre Inc. | Brokerage Licence #10317
577 Kingston Road, Toronto, Ontario M4E 1R3
Premiere Mortgage Centre Inc. – Ontario Regional Office: 1655 Dupont Street, Suite 101, Toronto, Ontario M6P 3T1
Premiere Mortgage Centre Inc. – Corporate Head Office: 123 Chain Lake Drive, Suite 100, Halifax, Nova Scotia B3S 1B3
Email: adrian@premieremortgage.ca
Telephone: 416-562-2958
Website: https://adrianwilliams.ca
Privacy Policy: https://adrianwilliams.ca/privacy-policy/
Last Updated: August 9, 2026