The following Terms and Conditions of Use fully apply to the Mortgage and Title Insurance Industry Association of Canada (MTIIAC) website:

Terms and Conditions of Use

These Terms and Conditions of Use constitute a legal agreement between yourself and MTIIAC. Please read this agreement in its entirety prior to continuing to use this website or downloading any forms, pages and/or imagery. By using this website, you agree to be bound by those terms and conditions.

Ownership of This and Other Websites

This website as well as all websites registered by MTIIAC are owned and operated by the Mortgage and Title Insurance Industry Association and/or its subsidiaries. All content featured on these sites, including, but not limited to, text, graphics, photographs, images, moving images, software, forms and illustrations (“Content”) is owned by MTIIAC, its licensors and its content providers.

All elements of MTIIAC websites, including, but not limited to, the general design and the Content, are protected by copyright, moral rights, trade mark and other laws relating to intellectual property rights. All rights reserved. Except as may be explicitly indicated in specific documents within this publication, MTIIAC grants you a limited license to display on your computer, print, download and use the material on this Website for non-commercial, personal or educational purposes only, subject to your agreement that:

authorship will be attributed to MTIIAC,
you will not modify such material, and
you will display the above copyright notice and retain any other copyright and other proprietary notices on every copy you make.

Without limiting the generality of the foregoing, no portion or element of this website or its Content may be copied or retransmitted via any means and this website, its Content and all related rights shall remain the exclusive property of MTIIAC or its licensors unless otherwise expressly agreed to by MTIIAC. You shall indemnify MTIIAC, its subsidiaries, its affiliates and licensors against any losses, expenses, costs or damages incurred by any or all of them as a result of your breach of the terms of this Agreement or your unauthorized use of the Content and related rights.


The information presented on this site has been expressed in general terms and is meant to be used for reference only. It is not designed to take the place of an insurance contract and does not represent how coverage will respond in every situation. Please read all policy/agreement language carefully for coverage terms and conditions. The precise coverage afforded by any insurer is subject to the terms and conditions of the policy as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued.

This publication may contain technical inaccuracies or typographical errors.

There may be links to other websites from within the MTIIAC suite of websites; however, these other websites are not controlled by MTIIAC and we are not responsible for any content contained on any such website or any loss suffered by you in relation to your use of such websites. You waive any and all claims against MTIIAC regarding the inclusion of links to outside websites or your use of those websites.

We reserve the right to change these Terms and Conditions of Use, the Privacy Policy, information, services and available contractual license terms featured on this website without notice. You agree to review these terms of Use from time to time and agree that any subsequent use by you of our website following changes to these Terms of Use shall constitute your acceptance of all such changes. These Terms of Use were last modified on May 6, 2015. These conditions set out the entire agreement between you and MTIIAC relating to your use of this website.


While MTIIAC uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. MTIIAC makes no warranties or representations as to the accuracy of the content of this website. Under no circumstances, including, but not limited to, negligence, shall MTIIAC or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, exemplary, aggravated or punitive damages that result from the use of, or the inability to use, the materials on this website, even if MTIIAC or an authorized representative has been advised of the possibility of such damages.

MTIIAC also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.


The Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario and laws of Canada applicable therein, without regard to the conflict of laws provisions thereto. The parties consent to the jurisdiction of the courts of, and venue and situs in, Toronto, Ontario.