Platform Purpose

Ratellow is a simulation and informational platform. We are not a mortgage lender, bank, or licensed mortgage brokerage. All calculations, estimates, and advisor insights are for educational and planning purposes only and do not constitute financial, legal, or professional advice.

Before making any financial decisions, you should consult with a qualified mortgage professional, financial advisor, or legal counsel who can assess your specific situation.

Accuracy of Information

While we strive to provide accurate and up-to-date information, mortgage rates, regulations, and financial products are subject to rapid change. We do not guarantee:

The accuracy, completeness, or timeliness of any rates, calculations, or estimates displayed
The availability of any specific mortgage product or rate
That any particular financial outcome will be achieved
The accuracy of AI-generated responses or recommendations

All final mortgage figures, rates, and terms should be verified directly with lenders or qualified mortgage professionals.

Third-Party References

Content on this platform references publicly available guidelines from Canadian regulatory bodies and mortgage insurers for informational purposes only.

Ratellow is not affiliated with, endorsed by, or partnered with:

Office of the Superintendent of Financial Institutions (OSFI)
Canada Mortgage and Housing Corporation (CMHC)
Financial Consumer Agency of Canada (FCAC)
Bank of Canada
Sagen (formerly Genworth Canada)
Canada Guaranty
Any bank, credit union, or financial institution cited

All trademarks, service marks, and company names belong to their respective owners.

AI-Generated Content

Portions of this platform utilize artificial intelligence to generate responses and recommendations. AI-generated content:

May contain errors, inaccuracies, or outdated information
Should not be relied upon as the sole basis for financial decisions
Is provided for educational and informational purposes only
Does not create a professional-client relationship

Limitation of Liability

To the maximum extent permitted by applicable law, Ratellow and its owners, operators, affiliates, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

Your use of or reliance on information provided on this platform
Any financial decisions made based on our tools, calculators, or content
Errors or omissions in our data, calculations, or AI responses
Any differences between displayed rates and actual rates offered by lenders

Related Policies

Questions?

If you have any questions regarding this disclaimer, please reach out to:
support@ratellow.com