The following terms and conditions shall govern your use of the Home Trust Company website.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information.

Unauthorized use of this Website and our systems including but not limited to unauthorized entry into our systems, or misuse of any information on the Website is prohibited.

Use of information

The information provided in the pages of this website is not intended to provide specific financial, tax, legal or accounting advice for you, and you should not rely on the information contained in this website for such purposes.

Accuracy, no warranties, no liability

The information provided in the pages of this website is for informational purposes only.

Interest rates posted on this website are believed to be accurate as of the time of posting. However, posted rates are subject to change at all times. To confirm our most up-to-date rates please contact us by phone at 1-877-903-2133 or 416-775-5000.

Although we believe this information to be correct, and attempt to keep the information in the pages of this website current, we do not warrant the accuracy or completeness of any information in these pages. Home Trust Company shall not be liable for any errors or omissions in the information in the pages of this website, including interest rates. By using this website, you agree that Home Trust is not responsible for the content of third-party sites linked to the Home Trust Company website.  Use of any such links is done at your own risk.

Applicable agreements

All products and services are subject to the terms of the applicable agreements and/or terms and conditions applicable to such products and services.

No endorsements

Links to other websites are meant for convenience only. Home Trust Company does not imply any endorsement of any third party products or services by virtue of such links any information, material or content referred to or included on, or linked from or to this website.

Trademarks and copyright

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this website may constitute trade names, trade marks or service marks of Home Trust Company or its affiliates, the use of which may have been licensed to them. The display of trademarks on pages at this website does not imply that a license of any kind has been granted to anyone else. Any unauthorized downloading, re- transmission, or other copying or modification of trade marks and/or the contents herein may be a violation of federal or common law trade mark and/or copyright law and could subject the copier to legal action. All information found in the pages of this website is protected under the copyright laws of Canada and in other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website.

Email communications

Any unprotected email communication over the internet is, as with communication via any other medium (e.g., cellular phones, post office mail), subject to possible interception or loss, and is also subject to possible alteration. If you send confidential information to us over the internet using regular, unencrypted e-mail and that information subsequently becomes public through no fault of ours, we shall not be liable to you.

Confidentiality and security

Our website supports the following browsers:

  • Mozilla Firefox
  • Google Chrome
  • Microsoft Edge (Windows 10)
  • Safari (MacOS)

Encryption is a means of scrambling information for transmission, in this case, between your device and our computing systems. Information that is encrypted at one end is decrypted (decoded) upon receipt at the other end.

128-bit encryption is the strongest, most secure form of encryption that is generally available in Internet browsers on the market in North America today. Home Trust Company requires that its customers use 128-bit encryption when conducting financial transactions over the Internet. We also recommend the use of 128-bit encryption for all non-financial transactions, e.g., the completion of mortgage application forms.

Applicable law

You acknowledge and agree that the Home Trust Company website is governed by the laws of the province of Ontario, Canada.

Available only where permitted by law

The products and services described in this Website are only offered in jurisdictions where they may be legally offered for sale. The information on this Website is not an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.