Last updated: March 27, 2026
Please read these Terms and Conditions carefully before using our Service.
Interpretation and Definitions
Interpretation
Capitalized terms have the meanings defined below, regardless of whether they appear in singular or plural form.
Definitions
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Company (referred to as “We”, “Us”, or “Our”) refers to LendCity, operating as Reverse Mortgage Centre, a licensed mortgage brokerage under Mortgage Architects (FSRA #12728), located in Ontario, Canada.
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Country refers to Ontario, Canada.
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Device means any device that can access the Service, such as a computer, mobile phone, or tablet.
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Service refers to the Website at reversemortgagecentre.ca.
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Terms and Conditions (also referred to as “Terms”) means this agreement between you and the Company governing your use of the Service.
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Website refers to Reverse Mortgage Centre, accessible at reversemortgagecentre.ca
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You means the individual accessing or using the Service.
Acknowledgment
These Terms govern your use of the Service. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to any part of these Terms, you may not use the Service.
You represent that you are at least 18 years of age. This website is intended for adults researching or inquiring about reverse mortgage products in Canada.
Nature of the Service
Information Only — Not Financial Advice
The content on this website is provided for general informational purposes only. Nothing on this website constitutes financial, legal, investment, or tax advice. Reverse mortgage suitability depends on individual circumstances — you should consult a licensed professional before making any financial decision.
Licensed Mortgage Brokerage
We are a licensed mortgage brokerage regulated by FSRA (Financial Services Regulatory Authority of Ontario) under FSRA #12728, operating under Mortgage Architects. We arrange mortgage products — including reverse mortgages — on your behalf, but we do not act as the lender.
Calculator Results Are Estimates
All calculator results on this website are estimates only. Actual reverse mortgage amounts, interest rates, and fees depend on property appraisal, your age at application, property location, and each lender’s underwriting criteria at the time of application. Results are not a commitment to lend.
Not Affiliated with Any Single Lender
We are an independent mortgage brokerage. We work with multiple Canadian lenders including HomeEquity Bank (CHIP), Equitable Bank, Bloom Finance, Home Trust, and Fraction. We are not owned by or exclusively affiliated with any lender.
Links to Other Websites
Our Service may contain links to third-party websites not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of those websites. We encourage you to review the terms and privacy policies of any third-party websites you visit.
Limitation of Liability
To the maximum extent permitted by applicable law, the Company and its affiliates, directors, employees, and agents shall not be liable for:
- Any indirect, incidental, special, or consequential damages arising from your use of the Service
- Errors or omissions in the content provided on the website
- Any decision made in reliance on calculator estimates or general information provided on the website
- Any loss of data, profits, or business opportunity
In all cases, our total liability to you shall not exceed the amount you paid to use the Service. As this website is provided at no cost, our liability is limited accordingly.
Nothing in these Terms limits our liability for fraud, gross negligence, or any other matter that cannot be excluded under applicable Ontario or Canadian law.
“As Is” Disclaimer
The Service is provided “as is” and “as available” without warranty of any kind. We do not warrant that the Service will be uninterrupted, error-free, or that any errors will be corrected. We make no representations about the accuracy, completeness, or currentness of rates, lender information, or content on the website. Mortgage rates and lender eligibility criteria change frequently.
Indemnification
You agree to indemnify and hold harmless the Company, its parent organizations, affiliates, and licensors from any claims, liabilities, damages, or expenses arising from your use of the Service or your violation of these Terms.
Governing Law
These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.
Disputes Resolution
If you have a concern about the Service, please contact us first to resolve the matter informally. We aim to resolve any issues promptly and fairly.
If you are a client of our mortgage brokerage services and have a complaint about our conduct, you may also file a complaint with FSRA at fsrao.ca.
Severability and Waiver
Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, and all other provisions will remain in full force and effect.
Waiver
Failure by either party to exercise any right under these Terms does not constitute a waiver of that right, nor a waiver of any subsequent breach.
Changes to These Terms and Conditions
We reserve the right to modify these Terms at any time. Material changes will be communicated by posting the updated Terms on this page with a revised date, and where appropriate, by email notification. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.
Contact Us
If you have any questions about these Terms and Conditions, contact us:
- By phone: 226-783-1640
- By visiting: reversemortgagecentre.ca/contact