Website Terms of Use

1. Acceptance of Terms

By accessing or using this website located at phlcapital.com (the “Website”), you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy. If you do not agree, do not use this Website. We may update these Terms at any time; continued use after changes constitutes acceptance.

2. About Us

PHL entities hold a number of licenses and registrations across Canada, subject to applicable laws and regulations. PHL generally conducts Canadian alternative lending business activities and related financial services, operating primarily in British Columbia, Alberta, and Ontario. Our head office is located at 316 – 5455 152 St., Surrey, BC V3S 5A5.

PHL Capital Corp. is a licensed mortgage brokerage in British Columbia, Alberta, and Ontario (ON licenses #13546 (brokerage) and #13570 (administrator)).

3. Informational Purposes Only — No Advice

Content on this site is provided for general information only and does not constitute mortgage, financial, investment, legal, or tax advice, nor an offer to lend. Rates, products, and terms are subject to change without notice and are subject to credit approval. Consult a qualified advisor before acting on any information found here.

4. No Offer of Securities

Nothing on this site constitutes an offer to sell or a solicitation to buy securities. Any investment in our mortgage investment corporations, or any mortgage products made available from time to time, is made only through authorized offering documents, to eligible investors, in jurisdictions where permitted under applicable securities laws.

5. Geographic Restrictions

Our products and services are offered only in British Columbia and other Canadian jurisdictions where we are licensed or registered. This Website is not directed at, and our services are not available to, residents of Quebec.

6. Permitted Use

You acknowledge and agree to use this Website lawfully and not to submit false or misleading information, attempt unauthorized access to our systems or portal, introduce malware; scrape or harvest data, or infringe the rights of others. We may suspend or terminate access for violations, or otherwise, in our sole discretion.

7. Accounts and Secure Portal (if applicable)

You are responsible for maintaining the confidentiality of your portal credentials, if applicable, and for all activity under your account. Notify us immediately of any unauthorized use.

8. Intellectual Property

All content on this Website, including but not limited to text, logos, graphics, and design, is owned by, or licensed to, PHL, and is protected by Canadian intellectual property laws. You may not reproduce or distribute it without our written consent, except for personal viewing for the purpose of consideration as a client or prospective client of PHL’s service offerings.

9. Third-Party Links

Links to third-party websites may be provided for convenience. We do not endorse and are not responsible for their content or practices.

10. Disclaimer and Limitation of Liability

This Website is provided “as is” without representations or warranties of any kind. To the maximum extent permitted by law, PHL is not liable for any damages arising from your use of, or inability to use, this site.

11. Governing Law

These Terms are governed by the laws of British Columbia and the federal laws of Canada. You submit to the exclusive jurisdiction of the courts of British Columbia.

12. Contact / Questions

Attn: Chief Compliance Officer
PHL Capital Corp., #316, 5455 152 St., Surrey, BC, V3S 5A5
Email: [email protected]