Terms of Use | SouthIslandMortgages

Effective Date: February 28, 2026

1. Acceptance of Terms

By accessing www.SouthIslandMortgages.ca, you agree to these Terms of Use.

If you do not agree, do not use the website.

2. Professional Status Disclosure

Albert James Pinske (James Pinske) is licensed in British Columbia as a Submortgage Broker (License #MB611574) and operates under Breezeful Inc. (Brokerage License #MB601942).

The title “Mortgage Advisor” may be used as a descriptive title; however, licensing is as a Submortgage Broker under British Columbia law.

SouthIslandMortgages.ca is a marketing website and not a registered trade name.

3. Informational Purposes Only

All content on this website is provided for informational and educational purposes only.

Nothing on this website constitutes:

• Legal advice

• Financial advice

• Mortgage approval

• A binding offer

• A commitment to lend

Mortgage rates, policies, and lending criteria are subject to change without notice.

Individual circumstances vary, and users should seek personalized professional advice.

4. No Brokerage Relationship Created

Use of this website or submission of an inquiry does not create a broker-client relationship.

A formal brokerage relationship is only formed after required documentation and disclosures are completed.

5. No Guarantee of Approval

Submission of information does not guarantee mortgage approval, rate availability, or financing terms.

All mortgage applications are subject to lender approval, underwriting conditions, and regulatory compliance.

6. Jurisdiction

This website is intended for residents of British Columbia.

Disputes shall be governed by the laws of British Columbia and the applicable federal laws of Canada.

7. External Links

This website may contain links to third-party websites, including government authorities and industry organizations.

No responsibility is accepted for the content or privacy practices of external sites.

8. Limitation of Liability

To the fullest extent permitted by law, Albert James Pinske shall not be liable for any loss or damages arising from:

• Reliance on website content

• Website interruptions

• Errors or omissions

• External links

Use of the website is at your own risk.

9. Intellectual Property

All website content is the property of Albert James Pinske unless otherwise stated and may not be reproduced without permission.