Last revised on August 28, 2022
GLOBAL TERMS – ALL STEVE WHITE MORTGAGES APPS & SERVICES
SUMMARY OF SERVICES
Steve White Mortgages is a licensed mortgage agent working under the sponsoring brokerage Pineapple License 12830 and arranges mortgage financing for clients located within Ontario. The Steve White Mortgages Sports Support Program provides donations to minor sports leagues and teams in our service area. Fundraisers, or Team Members (parents, team organizers or other supporters), are able to access donations by using Steve White Mortgages and Pineapple brokerage for mortgage services such as (but not limited to): home purchases, refinances, switches, lines of credit, etc. Team members are able to access a customized webpage with tracking information to ensure donations are directed to the proper supporting team. When a Team member takes action with that form and uses Steve White Mortgages to secure a mortgage through a third party bank or mortgage lender, a donation will be paid to the team. The donation amount will vary depending on the mortgage type and lender. Donations will be generated from various programs offered by the lender including, but not limited to, broker commissions.
Team Members are under no obligation at any time to complete a transaction with Steve White Mortgages or Pineapple brokerage. As an independent mortgage advisor, Steve White Mortgages will be required to generate a full mortgage application and submit to lenders for approval. Steve White Mortgages will work in the best interests of the Client (Team Member) and provide the best mortgage option available. Should the Team Member choose not to accept the mortgage offered, the application will be considered cancelled and no fees will be paid by the Team Member and no donations will be made to the Team.
AVAILABILITY OF SERVICES
MODIFICATION OF SERVICES
TRANSMISSION OF INFORMATION
Because we do not control the security of the Internet or other networks you use to access the Steve White Mortgages website or communicate with us, we, Pineapple and other Users cannot be, and are not responsible for, the security or loss of information that you choose to communicate with us while it is being transmitted.
OBLIGATIONS OF FUNDRAISERS AND TEAMS
Teams are subject to approval by Steve White Mortgages at our sole discretion. Teams and their payment recipients will be considered and approved in accordance with our Teams Guidelines. We reserve the right to contact any third party listed as a recipient of the raised funds to request information that will enable us to approve and to verify the validity of the Team, and such proposed recipient of funds may decline the funds raised or proposed to be raised, and at any time thereafter, any proposed or present payment recipient of any campaign may opt-out of the receipt of future funds at any time by emailing us at firstname.lastname@example.org.
WEBSITES OF OTHERS
TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, THE SERVICE, THE CONTENT, AND SUBMISSIONS ARE PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS AND STEVE WHITE MORTGAGES, PINEAPPLE, PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE EXTENT NOT PROHIBITED BY APPLICABLE LAW, STEVE WHITE MORTGAGES DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR IN ANY WAY RELATED TO
(A) ANY ERRORS IN OR OMISSIONS FROM THE STEVE WHITE MORTGAGES WEBSITE, THE SERVICE, THE CONTENT, AND THE SUBMISSIONS INCLUDING, BUT NOT LIMITED TO, TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS,
(B) THIRD PARTY COMMUNICATIONS,
(C) ANY THIRD PARTY WEBSITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS ON THE STEVE WHITE MORTGAGES WEBSITE PLATFORM, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM,
(D) THE UNAVAILABILITY OF THE STEVE WHITE MORTGAGES WEBSITE PLATFORM, THE SERVICE, THE CONTENT, THE SUBMISSIONS, OR ANY PORTION THEREOF,
(E) YOUR USE OF THE STEVE WHITE MORTGAGES WEBSITE, THE SERVICE, THE CONTENT, OR THE SUBMISSIONS, OR
(F) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THE STEVE WHITE MORTGAGES WEBSITE, THE SERVICE, THE CONTENT, OR THE SUBMISSIONS.
LIMITATION OF LIABILITY
If you want to close your account, please notify us in writing by sending an email to our Customer Support Center at email@example.com. While we are ready to assist you in managing your subscriptions, closing your account, and removing your active profile, we cannot always delete records of past interactions and transactions. For example, we are required to retain records relating to previous purchases on the Sites for financial reporting and compliance reasons.
We will retain your information for as long as your account is active or as needed to provide you services and to maintain a record of your transactions for financial reporting purposes. If you wish to cancel your account or request that we no longer use your information to provide you services, contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
WAIVER AND SEVERABILITY OF TERMS
STEVE WHITE MORTGAGES FUNDRAISING SERVICE TERMS
(i) Donations earned through the use of the Service to support a Team represents the exact amount that will be received by the Team (“Donations”). The determination of whether a transaction qualifies for a Donation is at the sole discretion of Steve White Mortgages.
(ii) The sum of all Donations will be provided in quarterly statements, providing the outstanding balance is greater that $1. Donations will be recorded after all associated commissions, benefits and fees have been received by Steve White Mortgages.
(iii) At our sole discretion, we may, without notice, deduct Donations from your Team to make adjustments for returns and cancellations of Services. Any such adjustments will be made in accordance with this Agreement, any applicable Steve White Mortgages policies and terms, the terms of the Lender offer and any and all applicable laws, rules and regulations. In addition, Steve White Mortgages may make account adjustments for any Donations that Steve White Mortgages, in its sole discretion, deems as fraudulent, abusive, unethical, suspicious or otherwise inconsistent with this Agreement or any other applicable law or regulation. Steve White Mortgages decisions are final. Should you disagree with any adjustments made to your account or payments made to you, your sole remedy is to withdraw from the Service.
(iv) It is your responsibility to check your Team regularly to ensure that Donations have been properly credited and that your Team balance is accurate. If you believe that Donations have not been correctly credited to your Team, you must contact us to review.
PAYMENT TO TEAMS
Donations are paid quarterly to Teams by check, e-transfer and sent to the Payment Recipient selected by Fundraiser during account creation.
(i) You willingly engage Steve White Mortgage services for the purpose of obtaining real estate and mortgage advice and to act as a broker to arrange mortgage financing
(ii) You are under no obligation to complete transactions or accept mortgage approvals provided.
(iii) Donations will be made to the Team for full mortgage applications received and additional Donations made upon mortgages closing and Steve White Mortgages receiving funds from the Brokerage and Lender in the form of commissions, benefits and fees.
(iv) Subsequent mortgage Services will also receive Donations to the Team, as long as the Service is provided by Steve White Mortgages.
REFERRING FRIENDS TO STEVE WHITE MORTGAGES
Your Team may be eligible to receive Donations for referring friends. If you wish to refer friends to Steve White Mortgages, you must provide them with a link your Team Page within Steve White Mortgages, which you can share directly with others via email, social media websites, or other communications methods. If someone submits an inquiry from your Team Page form and then completes a formal mortgage application, a Donation will be credited to your team. When that person closes on a mortgage with Steve White Mortgages, an additional Donation calculated on the mortgage amount will also be credited to your Team for the next quarterly payout.
SPONSORSHIPS AND OTHER GIFTS
Steve White Mortgages periodically runs team sponsorships and provides gifts to players and their families. Gifts can include, but aren’t limited to, monetary benefits, equipment, gift cards, or access to entertainment events. All sponsorships and gifts are based on Team Fundraising success and are subject to review and may terminate without prior notice.
ACCOUNT LIMITS & FEES
(I) There are no fees due to take part in the Service
(ii) There are no processing fees for accepting payments by cheque or e-transfer
(iii) There is a minimum Donation payout amount of $50. If your Team has not generated Donations above that amount, those funds will be carried over to the next quarter.