Terms of Use

Acceptance of these terms

These Terms of Use govern your use of ownmg.com, published by OwnMG. By using this website you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the website.

Educational information only

OwnMG publishes general educational information. It is not financial, legal or insurance advice. Our guides describe how mortgages and related rules generally work; they cannot account for your individual circumstances, and rules, limits and fees change over time.

Nothing on this website creates an advisory, fiduciary or professional relationship between you and OwnMG. Before making a financial decision, confirm current requirements with the lender or agency involved and consider speaking with a qualified professional. Examples on this website use hypothetical figures and are not quotes, offers or predictions.

What OwnMG is not

OwnMG is not a lender, insurer, broker or government agency. We do not make or arrange loans, take applications, sell insurance or make credit decisions. We are not affiliated with or endorsed by any government agency or any company mentioned on this website, and a mention of an agency, program or product is not a recommendation.

Using this website

You agree to use this website only for lawful purposes. You agree not to interfere with its operation, attempt to gain unauthorized access to our systems, submit false or misleading information through our forms, or use automated means to submit forms or place an unreasonable load on the website.

You must be at least 18 years old to sign up for updates, and the information you submit must be your own.

Emails and text messages

If you sign up, we will send you the email updates you asked for, and informational text messages only if you separately agreed to receive them. You can unsubscribe from email at any time using the link in each message, and you can stop text messages by replying STOP. Our text message program is described in our Mobile Policy.

Our content

The text, design and graphics of this website belong to OwnMG, except for photographs, which are used under the Unsplash license and remain the work of their photographers. You may read, print and share our guides for personal, non-commercial purposes, and quote short passages with a link back to the original page. Any other use requires our written permission.

Links to other websites

This website links to websites operated by government agencies and other official bodies. We do not control those websites and are not responsible for their content, availability or privacy practices.

Disclaimer of warranties

We work to keep our content accurate and current, but this website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose and non-infringement. We do not warrant that the website will be uninterrupted or free of errors.

Limitation of liability

To the fullest extent permitted by law, OwnMG will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of money, data or opportunity, arising from or related to your use of, or reliance on, this website or its content. Any decision you make based on information from this website is your own responsibility.

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. In that case, our liability is limited to the smallest extent permitted by law.

Changes to these terms

We may update these terms from time to time. The “Last updated” date above shows when they last changed. Continuing to use the website after an update means you accept the revised terms.

Contact us

Questions about these terms can be sent to info@ownmg.com.