LAST UPDATED: AUGUST 21, 2026
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. BY ACCESSING OR USING THIS WEBSITE, SUBMITTING ANY FORM, BOOKING A CALL, OR REQUESTING THE FREE FINANCING READINESS PACKAGE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS ("TERMS"). IF YOU DO NOT AGREE, DO NOT USE THIS WEBSITE.
These Terms govern your use of the website located at colinkalverda.ca (the “Site”), operated by Colin Kalverda, doing business as the “House Doctor,” including any associated renovation/contracting business and mortgage brokerage/agent business (collectively, “Colin,” “we,” “us,” or “our”). These Terms apply to all visitors, users, and anyone who submits information through the Site (“you” or “User”).
By using the Site in any way — including browsing, submitting a contact form, booking a Discovery Call, or requesting the Free Financing Readiness Package — you confirm that you have read, understood, and agree to be bound by these Terms, and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to any part of these Terms, you must immediately stop using the Site.
The Site is intended for individuals who are at least eighteen (18) years of age and who have the legal capacity to enter into binding contracts, including mortgage and renovation agreements, under the laws of the province in which they reside. By using the Site, you represent and warrant that you meet these requirements.
All content on the Site — including descriptions of Colin's renovation process, mortgage process, the “House Doctor Approach,” and any articles, examples, or general commentary — is provided for general informational and marketing purposes only. It is not, and must not be relied upon as, individualized renovation, construction, financial, mortgage, credit, legal, tax, or investment advice.
No advisor-client, contractor-client, mortgage agent-client, fiduciary, or other professional relationship is created between you and Colin, any affiliated brokerage, or any affiliated contracting business, by your use of the Site, by submitting a form, by booking a Discovery Call, or by receiving the Free Financing Readiness Package. Such a relationship is formed only when, and to the extent that, a separate written engagement agreement, mortgage application, or renovation contract is signed by both parties.
Examples, case descriptions, and process outlines referenced on the Site (including anecdotes about past renovation or financing situations) are illustrative only, may be composites or generalized for privacy, and do not guarantee that similar results, timelines, costs, or approvals will be available to you.
4.1 Scope of engagement.
Any renovation, construction, or contracting work is governed exclusively by a separate written contract or statement of work signed by you and the applicable contracting entity. Nothing on the Site constitutes an offer, quote, or binding proposal for renovation work.
4.2 No guaranteed outcomes.
Renovation timelines, costs, scope, and outcomes depend on factors outside our control, including but not limited to existing structural or building conditions, permitting and inspection timelines, material and labour availability, weather, third-party trades, and issues discovered only after work has begun (“unforeseen conditions”). We do not guarantee that any project will be completed by a particular date, within a particular budget, or without change orders arising from unforeseen conditions.
4.3 Licensing and permits.
You are responsible for confirming the licensing, insurance, and permit status applicable to your project and jurisdiction before work begins, and for satisfying yourself as to Colin's (or any subcontractor's) qualifications for your specific project.
5.1 Regulated activity.
Mortgage brokering services referenced on the Site are provided by Colin Kalverda in his capacity as a licensed mortgage agent License Number 13607 operating through Metal Mortgage(the “Brokerage”), regulated by the Financial Services Regulatory Authority of Ontario. Nothing in these Terms limits or overrides any disclosure, conduct, or licensing obligation imposed on Colin or the Brokerage by applicable mortgage brokering legislation.
5.2 No guarantee of approval, rate, or terms.
References to working with “70+ lenders” or similar statements describe the scope of Colin's lender network only and are not a guarantee that any particular lender will approve your application, that any particular rate or product will be available to you, or that you will qualify for any specific financing amount. All financing is subject to the sole discretion of the applicable lender, underwriting, appraisal, insurer, and legal requirements, and to your individual financial circumstances.
5.3 Independent lenders.
Lenders, insurers, appraisers, and legal professionals referenced or coordinated with during a mortgage transaction are independent third parties. We are not responsible for their acts, omissions, decisions, delays, fees, or the terms of any product they offer.
6.1 Third-party provider.
The free credit report offered as part of the Free Financing Readiness Package is provided through a third-party credit reporting service, not directly by Colin or the Brokerage. That service's own terms of use and privacy policy govern the retrieval and handling of your credit information, and we are not responsible for the accuracy, availability, timeliness, or security of that third-party service.
6.2 Soft inquiry representation, not a guarantee.
We represent that, to our knowledge, retrieval of your credit report through the linked tool is intended to be a “soft” inquiry that does not itself affect your credit score. We do not control the credit bureau's scoring methodology and make no guarantee regarding its effect on your credit score or file.
6.3 Consent to contact and use of information.
By submitting your information to request the Free Financing Readiness Package, booking a Discovery Call, or otherwise providing contact information through the Site, you consent to being contacted by Colin and/or the Brokerage by phone, email, and/or text message regarding renovation and/or mortgage services, in accordance with applicable Canadian anti-spam and privacy legislation (including CASL and PIPEDA, or applicable provincial equivalents) and our Privacy Policy. You may withdraw this consent at any time using the unsubscribe or opt-out method provided in any communication.
6.4 Accuracy of information provided by you.
You are solely responsible for the accuracy and completeness of any information you submit through the Site. We are not responsible for outcomes resulting from incomplete, outdated, or inaccurate information you provide.
Booking a Discovery Call reserves time on Colin's calendar but does not obligate either party to proceed with any engagement, renovation contract, or mortgage application. Either party may reschedule or cancel a Discovery Call. No fees are owed for a Discovery Call unless separately and expressly agreed to in writing in advance.
To the fullest extent permitted by law, Colin makes no representation, warranty, or guarantee — express or implied — regarding: (a) mortgage approval, rates, or terms; (b) renovation costs, timelines, or outcomes; (c) the results of any strategy, process, or recommendation described on the Site; or (d) your eligibility for any product or service. You acknowledge that real estate, construction, and mortgage financing decisions involve inherent risks, and that you are voluntarily assuming those risks by engaging with Colin's services.
THE SITE AND ALL CONTENT, TOOLS, AND MATERIALS ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. WE DO NOT WARRANT THAT ANY FORM SUBMISSION, THIRD-PARTY LINK (INCLUDING THE CREDIT REPORT TOOL), OR BOOKING SYSTEM WILL FUNCTION WITHOUT INTERRUPTION OR ERROR.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COLIN, THE BROKERAGE, OR ANY AFFILIATED CONTRACTING BUSINESS, NOR ANY OF THEIR RESPECTIVE OWNERS, EMPLOYEES, CONTRACTORS, OR AGENTS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE, ANY THIRD-PARTY TOOL LINKED FROM THE SITE, OR ANY RENOVATION OR MORTGAGE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO YOUR USE OF THE SITE (AS DISTINCT FROM ANY LIABILITY ARISING UNDER A SEPARATELY SIGNED RENOVATION CONTRACT OR MORTGAGE ENGAGEMENT, WHICH IS GOVERNED BY THE TERMS OF THAT SEPARATE AGREEMENT) SHALL NOT EXCEED ONE HUNDRED CANADIAN DOLLARS (CAD $100).
Nothing in these Terms is intended to exclude or limit any liability that cannot be excluded or limited under applicable law, including liability for fraud, gross negligence, or wilful misconduct, or any non-waivable obligation under applicable mortgage brokering or consumer protection legislation.
You agree to indemnify, defend, and hold harmless Colin, the Brokerage, and any affiliated contracting business, and their respective owners, employees, contractors, and agents, from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Site; (b) your violation of these Terms; (c) any information you submit through the Site that is false, inaccurate, or misleading; or (d) your violation of any law or the rights of a third party.
All text, graphics, logos, the “House Doctor” name and branding, process descriptions, and other content on the Site are the property of Colin Kalverda or his licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws. You may view and print Site content for your own personal, non-commercial reference only. You may not copy, reproduce, republish, distribute, or create derivative works from any part of the Site without our prior written consent.
You agree not to: (a) use the Site for any unlawful purpose or in violation of these Terms; (b) submit false, fraudulent, or misleading information through any form; (c) attempt to gain unauthorized access to the Site, its systems, or related accounts; (d) interfere with or disrupt the Site's operation, including through malware, scraping, or automated data collection without our consent; or (e) use the Site to harass, defame, or harm Colin, the Brokerage, or any other person.
The Site may link to third-party websites or tools, including the credit report service, booking/calendar tools, and lender resources. These third parties operate independently of Colin, and we do not control, endorse, or assume responsibility for their content, terms, privacy practices, or availability. Your use of any third-party tool is at your own risk and subject to that third party's own terms.
Any testimonials, reviews, or client examples referenced on the Site reflect individual experiences and are not a guarantee of similar results for any other person. Past renovation or financing outcomes are not indicative of future results.
Our collection, use, and disclosure of personal information submitted through the Site (including through the Free Financing Readiness Package form and Discovery Call booking) is described in our separate Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you consent to the collection, use, and disclosure of your information as described there and in accordance with applicable Canadian privacy and anti-spam legislation.
These Terms, and any dispute arising out of or relating to the Site or these Terms, are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. This section does not apply to any separately signed renovation contract or mortgage engagement agreement, which shall be governed by its own terms.
18.1 Informal resolution first.
Before commencing any formal proceeding relating to the Site, you agree to first contact us and attempt in good faith to resolve the dispute informally for at least thirty (30) days.
18.2 Arbitration and class action waiver.
To the fullest extent permitted by applicable law, any dispute arising out of or relating to the Site or these Terms that cannot be resolved informally shall be resolved by binding arbitration on an individual basis, administered under the arbitration rules of a recognized Canadian arbitration body, seated in Ontario, Canada, rather than in court, except that either party may bring an individual claim in small claims court. You agree that any arbitration or proceeding will be conducted only on an individual basis and not as part of a class, consolidated, or representative action, to the extent permitted by applicable law.
18.3 Carve-out.
This section does not apply to disputes arising under a separately signed renovation contract or mortgage engagement agreement, which are governed by the dispute resolution terms of that separate agreement, or to any matter that a regulator requires to be resolved through a specific statutory process.
We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including but not limited to acts of God, labour disputes, supply chain disruptions, government action, pandemic, or failures of third-party service providers, lenders, or utilities.
We may update these Terms at any time by posting a revised version on the Site with an updated “Last Updated” date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. Our failure to enforce any provision of these Terms is not a waiver of that provision or any other. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Colin regarding use of the Site and supersede any prior agreements regarding the Site.
We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a sale, merger, or transfer of business. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
Questions about these Terms may be directed to:
NAME: Colin Kalverda
BROKERAGE: Metal Mortgage License #13607
ADDRESS: 366 Main St. N Box 23536, Brampton, Ontario L6V 4A4
EMAIL: [email protected]
PHONE: (416) 564 7415
COLINKALVERDA.CA
COLIN KALVERDA · LICENSE # 13607