Compliance notes for review before launch.

Licensing

Zachary (Zac) Lofeudo is presented as a Mortgage Agent Level 2 associated with Vine Group Mortgage Brokerage. Vine Group holds FSRA Licence #13511. Provincial licence wording should be confirmed before publication.

Website identity

This website is presented as a public resource, and the Mortgage Free Canada method is presented as a public strategy method. Neither is presented as a separate brokerage or mortgage company. Mortgage services are arranged through Vine Group Mortgage Brokerage.

Tax and legal disclaimer

The site provides mortgage strategy education and implementation guidance. It does not replace legal, accounting, or tax advice. Clients should confirm deductibility and filing treatment with a qualified accountant.

Worksheet disclaimer

The calculator provides instant first-pass results by text and email after submission. Actual eligibility, timing, lender options, penalties, rates, tax treatment, and implementation feasibility still depend on underwriting, lender guidelines, and the client file.

Claims

Phrases such as "number one" or "Canada's rental cash damming experts" should be reviewed by brokerage compliance before final public use.

Approval workflow

Once Zac approves the front-end design, the site should be sent to Vine Group compliance while backend integrations are finished so review does not hold up launch work.