Terms of Use

Effective Date: January 1, 2025  |  Last Updated: March 2026

1. About This Website

This website is operated by Christina Pentlichuk and Stef Edwards, operating under the names In Debt On Purpose and Vine Wealth, as licensed mortgage agents with Vine Group Mortgage Brokerage (Lic. #13511). The website is intended to provide general information about mortgage services, wealth-building strategies, and related financial topics available to Canadians.

2. Information Purposes Only

The content on this website is provided for general informational purposes only. Nothing on this site constitutes financial, legal, tax, or investment advice, nor should it be relied upon as such. Every individual's financial situation is unique, and the information provided may not be appropriate for your circumstances.

We strongly encourage you to consult with a qualified mortgage professional, financial advisor, and/or tax accountant before making any financial decisions.

3. No Solicitation or Offer

Nothing on this website constitutes a solicitation or offer to provide mortgage financing, investment products, or any other financial product or service. All mortgage services are subject to lender qualification requirements, creditworthiness, and applicable provincial and federal regulations.

4. Accuracy of Information

While we make every effort to ensure the information on this website is accurate and up to date, we make no representations or warranties of any kind — express or implied — about the completeness, accuracy, reliability, or suitability of the information contained herein. Any reliance you place on such information is strictly at your own risk.

Mortgage rates, lending guidelines, tax rules, and strategy outcomes are subject to change. Information on this site may not reflect the most current developments in the mortgage or financial services industry.

5. Illustrative Projections and Estimates

Any financial projections, illustrations, or strategy outcomes shown on this website are for illustrative purposes only. They are based on specific assumptions that may not apply to your situation. Past results and hypothetical examples do not guarantee future performance. Actual results will vary based on individual circumstances, market conditions, interest rates, tax rules, and other factors.

6. Third-Party Links

This website may contain links to third-party websites, including lenders, financial tools, or educational resources. These links are provided for your convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party sites. Visiting linked sites is done entirely at your own risk.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and the overall design — is the property of In Debt On Purpose / Vine Group Mortgage Brokerage or its content suppliers and is protected by applicable Canadian copyright and intellectual property laws. You may not reproduce, distribute, or use any content from this site without our express written permission.

8. User Conduct

By using this website, you agree not to:

• Use the site for any unlawful purpose or in violation of these Terms of Use
• Attempt to gain unauthorized access to any part of the site or its related systems
• Transmit any harmful, offensive, or disruptive content through the site's contact or form features
• Reproduce, copy, or exploit any portion of the site for commercial purposes without written consent

9. Limitation of Liability

To the fullest extent permitted by law, In Debt On Purpose, Vine Wealth, Vine Group Mortgage Brokerage, and their respective agents, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this website or its content.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference. Please review it to understand how we collect and handle your personal information.

11. Changes to These Terms

We reserve the right to modify these Terms of Use at any time without prior notice. Your continued use of this website following any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically.

12. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from your use of this website shall be subject to the exclusive jurisdiction of the courts of Ontario.