Terms of Service

By accessing and using the Triumph Financial website (triumphfinancial.ca), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Luis Marten, operating as Triumph Financial, is a licensed Mortgage Agent (Level 2) regulated by the Financial Services Regulatory Authority of Ontario (FSRA), License #M08009492. We provide mortgage brokerage services, connecting borrowers with appropriate lenders based on their financial situation and needs.

The information provided on this website is for general informational purposes only and does not constitute financial, legal, or professional advice. Each mortgage situation is unique, and we recommend consulting directly with us for personalized guidance.

While we work diligently to find suitable mortgage solutions for our clients, we cannot guarantee mortgage approval. Final lending decisions are made by lenders based on their own underwriting criteria. Pre-qualification or pre-approval discussions do not guarantee final mortgage approval.

We strive to keep the information on our website accurate and up-to-date. However, mortgage rates, programs, and regulations change frequently. The rates and information displayed on this website are subject to change without notice and may not reflect current market conditions.

Calculator results are estimates only and should not be relied upon as guaranteed figures. Actual mortgage terms will depend on various factors including credit profile, property type, and lender requirements.

When using our services, you agree to:

• Provide accurate and complete information
• Promptly provide requested documentation
• Notify us of any changes to your financial situation
• Review all documents carefully before signing
• Ask questions if you do not understand any aspect of the mortgage process

Providing false or misleading information may result in mortgage denial and could constitute fraud.

All content on this website, including text, graphics, logos, images, and software, is the property of Triumph Financial or its content suppliers and is protected by Canadian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

Our website may contain links to third-party websites for your convenience. These links do not signify our endorsement of such websites. We have no control over the content or practices of third-party sites and are not responsible for their privacy policies or terms of service.

To the fullest extent permitted by law, Triumph Financial and Luis Marten shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services.

Our liability for any claim arising from our services shall not exceed the fees paid by you for such services.

You agree to indemnify and hold harmless Triumph Financial, Luis Marten, and their affiliates from any claims, damages, losses, or expenses arising from your use of our website, your violation of these terms, or your violation of any rights of a third party.

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

Our mortgage services are provided in compliance with the Mortgage Brokerages, Lenders and Administrators Act, 2006 and regulations thereunder, as enforced by the Financial Services Regulatory Authority of Ontario (FSRA).

If you have a complaint about our services, please contact us directly. If we cannot resolve your complaint, you may contact FSRA at fsrao.ca.

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

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