Terms of Service

1. Acceptance of Terms

By accessing and using crossborderloans.ca (the "Website") and submitting a mortgage application through Orbis Mortgage Group LLC ("Orbis," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Services Provided

Orbis Mortgage Group LLC provides mortgage origination and brokerage services for foreign nationals seeking to finance U.S. real estate purchases. Our services include:

• Mortgage application processing
• Loan pre-qualification and pre-approval
• Lender matching and rate comparison
• Loan closing coordination

Important: Submission of an application does not guarantee loan approval. All loans are subject to underwriting approval and may require additional documentation.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into a binding contract
• Provide accurate and complete information in your application
• Authorize us to obtain your credit report and verify your information

4. Application Process

4.1 Information Accuracy

You agree to provide true, accurate, current, and complete information in your mortgage application. Providing false or misleading information may result in:

• Application denial
• Loan rescission if already approved
• Legal consequences under federal and state fraud laws

4.2 Credit Authorization

By submitting an application, you authorize us to:

• Obtain your credit report from one or more credit bureaus
• Verify your employment, income, and assets
• Share your information with potential lenders and service providers
• Conduct background checks as required by law

4.3 Processing Time

Application processing times vary based on loan type, documentation completeness, and lender requirements. We will make reasonable efforts to process your application promptly but do not guarantee specific timelines.

5. Fees and Costs

Application submission through our website is free. However, mortgage loans may involve various fees including:

• Origination fees
• Appraisal fees
• Credit report fees
• Title insurance and closing costs
• Third-party service fees

All fees will be disclosed in your Loan Estimate as required by federal law. You will receive a Loan Estimate within three business days of application submission.

6. Privacy and Data Security

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

7. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Orbis Mortgage Group LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

8. Prohibited Uses

You agree not to:

• Submit false, fraudulent, or misleading information
• Use automated systems (bots, scrapers) to access the Website
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Website
• Use the Website for any illegal purpose
• Violate any applicable laws or regulations

9. Disclaimers and Limitations of Liability

9.1 No Guarantee of Approval

We do not guarantee that your mortgage application will be approved. Loan approval is subject to lender underwriting criteria, credit history, income verification, and other factors beyond our control.

9.2 Website Availability

We strive to maintain Website availability but do not guarantee uninterrupted access. The Website may be unavailable due to maintenance, technical issues, or circumstances beyond our control.

9.3 Limitation of Liability

To the maximum extent permitted by law, Orbis Mortgage Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or Website.

10. Indemnification

You agree to indemnify and hold harmless Orbis Mortgage Group LLC, its officers, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your violation of these Terms of Service
• Your violation of any law or regulation
• Your provision of false or misleading information
• Your infringement of any third-party rights

11. Governing Law and Dispute Resolution

These Terms of Service are governed by the laws of the State of Florida and applicable federal laws, without regard to conflict of law principles.

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

13. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14. Contact Information

For questions about these Terms of Service, please contact: