Terms of Use & Disclaimer
Please read these terms before using our website or services.
Please read these terms before using our website or services.
Disclaimer
Important disclosures regarding our services, content, and the limitations of information provided on this site.
Effective Date: January 1, 2025 | Last Updated: March 2025 | Richview Capital Corp., Woodbridge, Ontario
Important Notice: The information contained on this website is for general informational purposes only. It does not constitute financial, investment, mortgage, tax, or legal advice. Past performance referenced anywhere on this site is not indicative of future results. All lending and investment decisions carry risk. Please consult qualified professionals before making any financial decisions.
The content published on this website by Richview Capital Corp. ("Richview Capital," "we," "us," or "our"), including but not limited to text, images, blog posts, FAQs, and resource articles, is provided for general informational and educational purposes only. It is not intended to serve as, and should not be interpreted as, professional financial, investment, mortgage, tax, accounting, or legal advice.
The information on this Site may not reflect the most current legal, regulatory, or market developments and is subject to change without notice. Richview Capital makes no representations or warranties as to the accuracy, completeness, reliability, or suitability of the information for any particular purpose.
Richview Capital Corp. is a licensed Mortgage Investment Corporation (MIC Licence #13171) and Mortgage Administrator in Ontario. While we provide private mortgage lending and MIC investment products, the information on this Site does not constitute individualized mortgage or investment advice, and nothing on this Site should be construed as a solicitation or offer to provide mortgage financing or investment opportunities to any particular person.
All mortgage applications and investment subscriptions are subject to formal underwriting, due diligence, eligibility criteria, and the execution of binding legal agreements. Approval is not guaranteed based on any information provided on this Site.
This Site may contain forward-looking statements, estimates, projections, or expressions of expectation regarding future results, including references to approval timelines, loan-to-value ratios, anticipated returns, and distribution frequency. These statements are based on management's current beliefs and assumptions and are subject to a number of risks and uncertainties. Actual results may differ materially from those anticipated.
References to figures such as "up to 75% LTV," "24 hour closings," "24 hour response," and any return projections are general guidelines only. They are not guarantees and are subject to change based on individual file characteristics, market conditions, regulatory requirements, and the results of our underwriting process.
Investing in a Mortgage Investment Corporation involves risk. The value of your investment and any income derived from it can go up or down. Key risks include, but are not limited to:
Credit risk: the risk that borrowers may default on their mortgage obligations
Real estate market risk: fluctuations in property values may affect the security of underlying loans
Liquidity risk: MIC investments are not publicly traded and may have limited redemption options
Interest rate risk: changes in market interest rates may affect mortgage demand and portfolio yield
Regulatory risk: changes in legislation or regulatory requirements may impact operations
MIC investments are not insured by the Canada Deposit Insurance Corporation (CDIC) or any other government deposit insurance program. Past distributions or returns referenced on this Site do not guarantee future performance.
Investors are strongly encouraged to review all offering documents carefully and to seek independent financial and legal advice before making any investment decision.
References to RRSP, RRIF, and TFSA eligibility on this Site are based on current Canada Revenue Agency (CRA) rules applicable to qualifying MIC investments. Tax treatment depends on individual circumstances and applicable legislation, which may change. Richview Capital Corp. does not provide tax advice. You should consult a qualified tax advisor regarding the tax implications of any investment or borrowing decision.
Richview Capital Corp. is licensed as a Mortgage Administrator (Licence #13171) under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA) and is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Richview Capital is also a member of the Ontario Mortgage Investment Companies Association (ONMICA).
FSRA's 2024 to 2025 supervision priorities include private mortgage product suitability assessments, material risk disclosure to borrowers, and governance at brokerages with related MICs. The information on this Site does not substitute for the formal suitability assessments and disclosures required by FSRA guidance when entering into a mortgage or investment transaction. All transactions are evaluated individually, and approval or investment participation is not guaranteed on the basis of any information presented on this Site.
Regulatory oversight does not constitute a guarantee of performance, approval, investment return, or any specific outcome.
This Site may reference or link to third-party sources, publications, or websites for informational purposes. Richview Capital Corp. does not endorse, verify, or assume responsibility for the accuracy, completeness, or reliability of any third-party content. References to third-party materials are provided as a convenience only.
Blog posts, articles, and FAQ responses published on this Site are intended to provide general market education and information about the private mortgage and MIC investment landscape. They are not tailored to your individual financial situation and should not be relied upon as specific advice. Market conditions, regulations, and lending practices change frequently; content published at any given time may not reflect current circumstances.
Richview Capital Corp. reserves the right to modify, suspend, or discontinue any part of the Site or any product or service described therein at any time without notice. We do not guarantee continuous, uninterrupted access to the Site or its content.
Before making any decision based on information found on this Site, you are encouraged to seek advice from qualified professionals, including:
A licensed mortgage broker or agent registered with FSRA
A registered financial advisor or portfolio manager
A licensed lawyer specializing in real estate or financial transactions
A certified public accountant or tax professional
For questions about this Disclaimer or our services, please contact us:
Richview Capital Corp. 7681 Highway 27, Unit 15, Suite 200 Woodbridge, ON L4L 4M5 Email: Phone: