Terms of Use for billkaralash.ca

Effective Date: July 29, 2025.

Welcome to billkaralash.ca (the “Website”). By accessing or using this Website, you agree to comply with and be bound by the following Terms of Use. If you do not agree with these terms, please do not use the Website.

1. Who We Are

This Website is owned and operated by Bill Karalash, a licensed Submortgage Broker in British Columbia License # MB601942, operating under Breezeful Inc., a licensed mortgage brokerage (License #MB601942).

2. Use of This Website

This Website is provided for informational purposes only. The content on this site is not intended as financial, legal, or professional advice and should not be relied upon as such. Users are responsible for verifying any information before relying on it.

3. No Mortgage Offer or Approval

Nothing on this Website constitutes an offer to lend or a pre-approval for a mortgage. All mortgage-related services are provided through Breezeful Inc., and are subject to lender approval, credit checks, and regulatory requirements.

4. User Responsibilities

By using this Website, you agree:

- Not to submit false, misleading, or fraudulent information.

- Not to use the Website for any illegal or unauthorized purpose.

- Not to interfere with the security or proper functioning of the Website.

5. Intellectual Property

All content on this Website—including text, graphics, logos, and design—is the property of Bill Karalash or its licensors and is protected by Canadian copyright and trademark laws. You may not copy, reproduce, or use this content without written permission.

6. Limitation of Liability

Bill Karalash and Breezeful Inc. are not liable for any damages or losses arising from your use of this Website, including but not limited to errors or omissions in content, or reliance on any information provided.

7. Links to Third-Party Sites

This Website may contain links to third-party websites. These links are provided for convenience only and do not imply endorsement. We are not responsible for the content or privacy practices of those sites.

8. Privacy Policy

Your use of this Website is also governed by our Privacy Policy, which can be found at: [https://billkaralash.ca/privacy-policy](https://billkaralash.ca/privacy-policy)

9. Changes to Terms

We may update these Terms of Use at any time without notice. By continuing to use the Website, you agree to be bound by the most current version.

10. Governing Law

These Terms shall be governed by the laws of the Province of British Columbia and the federal laws of Canada.

11. Contact Information

If you have questions about these Terms, please contact:

Bill Karalash

Email: [email protected]

Phone: 604-265-5858

Website: https://billkaralash.ca