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.
1. General Information Only
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.
2. No Mortgage or Investment Advice
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.
3. Forward-Looking Statements and Projections
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 $5,000,000" maximum loan amounts, "up to 75% LTV" in the GTA and "up to 65% LTV" in other regions or on condos, "48 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.
4. Investment Risk Disclosure
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.
5. Tax Considerations
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.
6. Regulatory Oversight and Suitability
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.
7. Third-Party Content and External Links
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.
8. Blog and Educational Content
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.
9. No Guarantees of Availability or Continuity
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.
10. Professional Advice Recommended
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
11. Contact
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:
