Terms of Service

1. Acceptance of Terms

By accessing and using EllenAbad.ca (the "Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Site or services. These terms apply to all visitors, users, and others who access the Site.

2. Services Provided

Ellen Abad, a Licensed Mortgage Broker with 8Twelve Mortgage, a Licensed Life Insurance Broker and Branch Manager, and a former Certified Professional Accountant (CPA, not currently practicing), provides mortgage advisory services, life insurance advisory services, financial calculators, and home ownership tools for residents of Nova Scotia, Canada. The information and tools provided on this Site are for general informational and educational purposes only and do not constitute financial, legal, or tax advice.

Mortgage approvals, rates, and terms are subject to lender qualification and underwriting. Calculators and tools on this Site provide estimates only and should not be relied upon as a guarantee of financing.

3. No Professional Advice

The content on this Site is not a substitute for professional financial advice. You should consult with a qualified financial advisor, mortgage broker, life insurance broker, or legal professional before making any financial decisions. Ellen Abad and 8Twelve Mortgage are not liable for any decisions made based on the information or tools provided on this Site.

4. User Responsibilities

By using this Site, you agree to:

• Provide accurate and truthful information when submitting forms, applications, or inquiries.
• Not use the Site for any unlawful or fraudulent purpose.
• Not attempt to disrupt, damage, or gain unauthorized access to the Site or its systems.
• Respect the intellectual property rights of Ellen Abad and third parties.

5. Intellectual Property

All content on this Site — including text, graphics, logos, images, tools, and software — is the property of Ellen Abad or its licensors and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works without prior written consent.

6. Lead Information

When you submit a form, book a consultation, or use our tools, the information you provide may be used to contact you regarding mortgage and financial services. By submitting your contact information, you consent to being contacted by Ellen Abad and associated representatives.

7. Limitation of Liability

Ellen Abad, 8Twelve Mortgage, and their affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any information provided. Your use of the Site is at your own risk.

8. Third-Party Services

The Site may contain links to or integrate with third-party services (such as calendar booking tools, lenders, and insurance providers). We are not responsible for the practices, content, or availability of these third-party services. Your interactions with third parties are solely between you and that party.

9. Changes to Terms

We reserve the right to update or modify these Terms of Service at any time. Changes will be posted on this page with an updated revision date. Your continued use of the Site after any changes constitutes acceptance of the revised terms.

10. Governing Law

These Terms of Service are governed by the laws of the Province of Nova Scotia and the federal laws of Canada. Any disputes shall be resolved in the courts of Nova Scotia.

11. Contact Us

If you have questions about these Terms of Service, please contact us: