What's ours, and what isn't.

The page text, the layout and design, the illustrations and the code that runs this site were made for Navneet Vaid. They are protected by copyright under Canada’s Copyright Act. Copyright here exists from the moment a work is created — there is no registration to look up and no symbol you need to find on a page for it to apply.

This site advertises under Navneet Vaid’s own licensed name, with the brokerage’s written approval. We are not claiming a trademark registration on this page. The brokerage’s logo and marks are theirs — see the brokerage’s marks.

Link to anything here. You do not need to ask. Quote a short passage if you say where it came from and link back to the page you took it from. That covers almost every ordinary use, including a journalist quoting us and a competitor checking what we say.

What we are asking you not to do is copy a page wholesale, republish our writing under someone else’s name, or scrape this site to fill another one. If you want more than a quote, email info@tdotlending.com and tell us what you want to use and where it is going.

One specific request about rates. Every rate we publish carries its APR, the conditions attached to it and the date it took effect, and it stops being published when it expires. If you quote one of our rates anywhere, carry the date with it. A rate quoted without its date is not information for long — that is exactly how the previous version of this site ended up advertising a number that had been wrong for two years.

Where we describe a published document someone else wrote — the mortgage sector’s code of conduct, for instance — we say whose document it is and summarise it in our own words instead of reprinting it.

Client reviews stay on the platform they were written on. We send you there instead of copying them onto a page here, partly because a review is its author’s words and partly because it is their personal information.

Lender names and marks belong to the lenders. Our rates page names the lender a rate is with. That name is their trademark and stays theirs. We use it for one reason: so you can see who is actually behind a number before you act on it.

Naming a lender here does not mean the lender endorses us, sponsors us, or has any relationship with us beyond the ordinary one between a brokerage and a lender it submits files to. If a lender objects to how we have named them, write to us and we will change it.

A lender is only named on this site when their record is explicitly marked public. The default is not to name them, because some lender agreements restrict naming in advertising, and where a rate’s lender is not marked public the table says “available on request” instead of guessing.

We publish no lender logos on this site. An earlier version of the site did, under a “trusted lenders” heading. Written permission for each mark is being confirmed, and no lender logo goes back up before that confirmation exists.

Navneet Vaid deals through the licensed brokerage The Mortgage Alliance Company of Canada Inc., FSRA Brokerage Licence #10530. Mortgage Alliance is part of M3 Mortgage Group. Their names, logos and marks belong to them and to their parent, not to us.

They appear on this site because Ontario’s rules require our public material to carry the brokerage’s licensed name and its licence number. That line renders in the footer of every page from a single record, so it says the same thing everywhere and is corrected in one place.

The brokerage’s compliance office has approved, in writing, this site advertising under Navneet Vaid’s name.

Email info@tdotlending.com with “Copyright complaint” in the subject line. Please include:

• your name, and how to reach you;
• what the work is, and what makes it yours — or who you are acting for, if you are acting for someone else;
• the address of the page here where you found it, and what on that page you mean: a paragraph, an image, a section;
• the date you saw it;
• anything that helps us find your original — a link, a file, a publication date.

What happens next: we look at it ourselves, because we publish this site and do not have to ask anyone else to act. If you are right we take the material down, replace it, or credit you, whichever fits. If we think the material is ours or that the use was permitted, we will tell you that and say why. Either way you get a written answer from a person.

Canadian copyright complaints do not work the way the American ones do, and the difference matters if you are used to the US process.

The Copyright Act sets out a process called notice-and-notice (sections 41.25 and 41.26). It applies to intermediaries — internet providers, and sites that host material other people posted. When one of them receives a notice claiming infringement, it must pass that notice on to the person responsible for the content. It is not required to remove or disable anything, although it may choose to. It also has to keep records that would allow that person to be identified: six months, or a year if the copyright owner has started court proceedings.

That process is built for intermediaries, and this site is not one. Everything published here is our own material, so there is nobody for us to forward a notice to. We are the publisher. That makes the route simpler than the legal machinery suggests: tell us, and we deal with it directly.

Today this site publishes only material we wrote. There is no comment box, no review form and no upload. The one thing you can send us is the enquiry form, and that goes privately to our team — it is never published on the site.

That is why the section above says we are not an intermediary. If we later add reviews, comments, or anything else a visitor can publish here, that stops being true: we would be hosting someone else’s material, the notice-and-notice process would start to apply to us, and this page would be rewritten before that shipped.

This notice takes effect on [EFFECTIVE DATE] — the same date shown at the top of every legal page here. The placeholder stays visible until counsel and the brokerage’s compliance officer have signed the text off. Inventing a date would be the easier option and the wrong one.

The page is kept in version control with the rest of the site, so every change to it has a date and a readable history. If we change it, the effective date changes with it.