Terms of Service and Use

Terms of Service & Terms of Use
Car Loan Connect Inc.

Effective Date: June 4, 2025

Acceptance of Terms
Definitions
Eligibility and User Representations
Account Registration & Security
Description of Services
User Obligations & Code of Conduct
Dealer Partners and Third-Party Services
Intellectual Property Rights
License to Use the Website and Content
User-Generated Content & Submissions
Fees, Payments & Lead Sales
Disclaimers and No Guarantees
Limitation of Liability
Indemnification
Privacy Policy & Data Practices
Third-Party Links & Advertisements
Termination or Suspension of Service
Governing Law & Dispute Resolution
Modifications to These Terms
Severability
Waiver
Assignment
SMS Terms
Entire Agreement
Contact Information

1. Acceptance of Terms

By registering for a Car Loan Connect Inc. account, accessing or using any part of the Car Loan Connect website or mobile applications, submitting an application, or otherwise using our services, you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be bound by these Terms of Service & Terms of Use (collectively, “Terms”) and our Privacy Policy (incorporated herein by reference). If you do not agree to all provisions in these Terms, you must immediately cease use of our website, applications, and services.

2. Definitions

“Car Loan Connect,” “we,” “us,” or “our” refers to Car Loan Connect Inc., a Canadian corporation that operates an online lead-generation platform to match consumers seeking auto financing or credit assistance with third-party dealerships, lenders, and credit professionals.
“User Content” means any information, data, text, graphics, images, or other materials that Users submit to Car Loan Connect via forms, uploads, or communications.
“Dealers” refers to independently owned and operated automotive dealerships (including used-car dealers, buy-here-pay-here dealers, and subprime specialists) with whom Car Loan Connect partners to purchase pre-qualified leads.
“Credit-Help Professionals” refers to third-party credit repair firms, credit-building services, consumer proposal administrators, and debt consolidation providers to whom Car Loan Connect may refer Users.
“Services” means all features, products, or services offered, sold, or facilitated by Car Loan Connect, including but not limited to its lead-generation platform, matching algorithm, credit-help referrals, educational tools, and communications.
“Lead” or “Lead Profile” means a completed User submission containing personal and financial information (for example, credit history, income, vehicle preferences, location) which Car Loan Connect packages and sells to Dealer Partners for a set fee.
“Soft Credit Pull” means a credit inquiry made to a Canadian credit bureau (e.g., Equifax, TransUnion) that does not affect a User’s credit score and is visible only to the User.

3. Eligibility and User Representations

3.1 Legal Capacity. By using our Services, you represent and warrant that you (a) are at least 18 years old; (b) reside in Canada; (c) have full power and authority to enter into these Terms; and (d) will comply with all applicable federal, provincial, and local laws, rules, and regulations.

3.2 Proper Use. You agree to use the Services solely for lawful purposes and in accordance with these Terms. Car Loan Connect reserves the right to refuse or deny access to any person for any reason at our sole discretion.

3.3 Accurate Information. You represent and warrant that any information you provide whether in forms, phone calls, or emails is truthful, accurate, complete, and up to date. You consent to Car Loan Connect verifying such information (including soft credit pulls or bank-verification requests) and understand that providing false or misleading data (e.g., fraudulent identity, fabricated income) may result in immediate suspension or termination of your account and Services.

3.4 No Commercial Resale. Unless explicitly agreed in writing by Car Loan Connect, you may not reproduce, resell, or commercially exploit any aspect of Car Loan Connect’s Services, Leads, or Platform.

4. Account Registration & Security

4.1 Registration Requirements. To access certain Services, you must create an account by providing a valid email address, phone number, and password. You agree to keep this information current and secure.

4.2 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any two-factor authentication (2FA) methods. You agree not to share your credentials with any third party. Notify Car Loan Connect immediately if you suspect unauthorized access to your account.

4.3 Account Verification. Car Loan Connect may request additional documentation (e.g., government-issued ID, proof of residence, income verification) to verify your identity before providing Services. Failure to satisfy verification requests may limit or suspend your use of the Services.

4.4 Single Account. You may only maintain one active account. Creating multiple accounts to obtain duplicated benefits or circumvent restrictions is prohibited.

5. Description of Services

5.1 Lead-Generation Platform. Car Loan Connect operates an online platform that collects User information—such as credit status, income, and vehicle preferences—via web forms, phone intake, or mobile applications. Prospective Buyers (Users) submit detailed profiles, which Car Loan Connect evaluates and “packages” Leads to partnered Dealerships.

5.2 Dealer Matching. Car Loan Connect uses proprietary algorithms and manual review to match Users with Dealers most likely to approve their financing. Factors include credit history, income verification (optional), geographical proximity, vehicle preferences, and Dealer underwriting criteria.

5.3 Credit-Help Referrals. If Car Loan Connect determines that a User’s credit profile is too poor to secure dealership approval, the User may be referred to third-party Credit-Help Professionals (e.g., credit-repair agencies, credit-building services, consumer proposal administrators). These referrals require separate agreements between the User and the credit service provider. Car Loan Connect does not endorse or guarantee any outcomes from these third parties.

5.4 Soft Credit Pulls & Bank Verification (Optional). With explicit consent, Car Loan Connect may obtain a soft credit report from a Canadian credit bureau to refine matching accuracy. A soft pull does not impact your credit score and is visible only to you. Similarly, you may authorize Car Loan Connect to verify bank account information via a secure third-party service. Bank-verification is used solely to assess income or stability; Car Loan Connect never stores full banking credentials.

5.5 Customer Support & Educational Tools. Users may access customer support via email, phone, or chat to inquire about application status, request updates, or seek general credit guidance. Car Loan Connect may also provide free educational materials (blog posts, guides, webinars) on credit management best practices; these are provided “as is” without guarantee of specific results.

6. User Obligations & Code of Conduct

6.1 Accuracy & Completeness. You agree to provide accurate, complete, and truthful information in all communications, forms, and submissions. Car Loan Connect is entitled to rely on the accuracy of any such information you provide.

6.2 Consent. Prior to any soft credit pull or bank verification, Car Loan Connect will explicitly ask for your consent (e.g., via checkbox or digital signature). You may refuse or revoke consent at any time; however, this may limit your ability to secure certain dealer matches or credit referrals.

6.3 Prohibited Conduct. You agree not to:
a. Submit fraudulent, false, or misleading information.
b. Use the Services to impersonate any other person or entity or falsely state or misrepresent your affiliation with a person or entity.
c. Engage in unauthorized data scraping, data hacking, or any attempt to access non-public areas of the Platform.
d. Circumvent or attempt to circumvent any usage limits, fees, or filtering mechanisms.
e. Transmit worms, viruses, or any other malicious code.
f. Reverse-engineer, decompile, or otherwise attempt to discover the source code or underlying algorithms of the Platform.

6.4 Compliance. You will comply with all applicable laws and regulations—including Canada’s Anti-Spam Legislation (CASL), PIPEDA, and any provincial privacy laws—when using the Services. You may not use Car Loan Connect to facilitate illegal or fraudulent activity.

7. Dealer Partners and Third-Party Services

7.1 Independent Contractors. Dealer Partners, Lenders, and Credit-Help Professionals are independent, unaffiliated third parties. Car Loan Connect does not control, warrant, or guarantee their services, underwriting criteria, treatment of your data, or the outcome of any transaction.

7.2 Dealer Purchase of Leads. Dealers pay Car Loan Connect a non-refundable fee. Upon purchasing a Lead, Dealers gain access to the User’s profile (name, contact, credit data, vehicle preferences, and any other information provided). Car Loan Connect has no control over a Dealer’s decision to extend or deny financing, set interest rates, or impose terms and conditions.

7.3 Credit-Help Referrals. If your profile is deemed unqualified for dealership financing, you may be offered introductions to Credit-Help Professionals. Any agreement or contract you enter into with those providers is yours alone; Car Loan Connect has no involvement in fee negotiations, service delivery, or dispute resolution between you and the third party.

7.4 Third-Party Websites & Applications. Car Loan Connect may integrate or link to third-party websites (e.g., credit bureaus, bank-verification services, social networks, or data analytics tools). We are not responsible for those third parties’ privacy practices, terms, or content. You must review each third party’s policies separately.

8. Intellectual Property Rights

8.1 Ownership. Car Loan Connect, its logos, graphics, designs, page headers, button icons, scripts, and service names are proprietary trademarks, service marks, or trade dress of Car Loan Connect Inc. All content and code on the Platform (collectively, “Content”) are owned by Car Loan Connect or its licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

8.2 Restrictions. Except as expressly provided in these Terms, no portion of the Content may be copied, reproduced, republished, uploaded, posted, transmitted, distributed, modified, translated, sold, licensed, framed, or used in derivative works without Car Loan Connect’s prior written consent.

8.3 Feedback. If you provide any suggestions, ideas, or feedback (“Feedback”) regarding the Services, you agree that Car Loan Connect may use such Feedback in any manner without obligation of any kind.

9. License to Use the Website and Content

9.1 Limited License. Subject to your compliance with these Terms, Car Loan Connect grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services and the Content solely for your personal use in connection with obtaining auto financing or credit help. This license does not include any resale, commercial exploitation, or use of any collection (e.g., lead lists) or meta-data.

9.2 Termination of License. Car Loan Connect reserves the right to terminate this license at any time for any reason, including but not limited to your breach of these Terms or inactivity. Upon termination, you must immediately cease all use of the Content and Services.

10. User-Generated Content & Submissions

10.1 User Content. Any information, data, text, graphics, or other materials you submit or post through the Platform (including lead-generation forms, uploaded documents, or comments) is considered “User Content.”

10.2 License Grant. By submitting User Content, you grant Car Loan Connect a worldwide, royalty-free, non-exclusive, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with operating and promoting the Services.

10.3 Representations & Warranties. You represent and warrant that:
a. You own or otherwise have the necessary rights to grant the above license.
b. Your User Content does not violate any third party’s rights (including privacy, publicity, or intellectual property rights).
c. Your User Content complies with all applicable laws.

10.4 Removal of User Content. Car Loan Connect reserves the right (but not the obligation) to remove or refuse any User Content that, in our sole judgment, violates these Terms or is otherwise objectionable (e.g., defamatory, obscene, infringing).

11. Fees, Payments & Lead Sales

11.1 Lead Fee. Dealer Partners pay a for the leads upfront before any leads are distributed. All fees are non-refundable. Car Loan Connect invoices Dealers; payment terms (due dates, late fees) are governed by separate Dealer Agreements.

11.2 User Fees. Use of the Platform and submission of lead forms are offered to Users free of charge. Car Loan Connect does not charge Users for basic lead-generation or matching services.

11.3 Taxes. All fees are quoted in Canadian Dollars (CAD) and exclude any applicable taxes. Dealers are responsible for remitting any required taxes.

11.4 Payment Disputes. Any dispute about Lead purchases must be submitted in writing to Car Loan Connect within 30 days of invoicing. Disputed amounts may be withheld from payment pending resolution.

12. Disclaimers and No Guarantees

12.1 No Warranty. THE SERVICES, CONTENT, AND PLATFORM ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. CAR LOAN CONNECT DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12.2 Advice Is Informational Only. Any guidance, recommendations, or “tips” provided by Car Loan Connect whether in written guides, phone conversations, or online resources are for informational purposes only. These suggestions do not constitute legal, financial, or professional advice and do not guarantee any specific outcome. Much of this information is publicly available (e.g., via internet searches or government publications); Car Loan Connect’s role is to offer the convenience of curated, readily accessible content. You should seek independent professional advice before making any financial or legal decisions.

12.3 No Guarantee of Approval. Car Loan Connect does not guarantee that any User will be approved for financing, nor that any Dealer Partner or Credit-Help Professional will accept a Lead or referral. Approval decisions rest exclusively with the Dealer or Credit-Help Professional.

12.4 Accuracy of Information. While Car Loan Connect strives to provide accurate, up-to-date information, we do not represent or warrant that any Content, lead data, interest rates, financing options, or third-party offers are accurate, complete, or current.

12.5 Risk Acknowledgment. Users acknowledge that any financial decision, including applying for a loan carries risk. Car Loan Connect is not a lender, credit reporting agency, or financial advisor. We do not provide legal or financial advice. Users should seek independent, qualified professional advice before entering any financial arrangement.

12.4 Risk Acknowledgment. Users acknowledge that any financial decision, including applying for a loan, involves risk. Car Loan Connect is not a lender, credit reporting agency, or financial advisor. We do not provide legal or financial advice. Users should seek independent professional advice before entering any financial arrangement.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CAR LOAN CONNECT INC. AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS (COLLECTIVELY, “CAR LOAN CONNECT PARTIES”) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, GOODWILL, DATA LOSS, OR BUSINESS INTERRUPTION) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICES OR CONTENT, EVEN IF CAR LOAN CONNECT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO CEASE USING THEM. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF THE CAR LOAN CONNECT PARTIES EXCEED THE TOTAL AMOUNT PAID BY DEALERS TO CAR LOAN CONNECT FOR LEADS DURING THE SIX (6) MONTHS PRIOR TO YOUR CLAIM.

14. Indemnification

You agree to defend, indemnify, and hold harmless the Car Loan Connect Parties from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in any way connected with:

Your violation of these Terms;
Your User Content or information you transmit via the Services;
Your use of the Platform in a manner not expressly permitted by these Terms;
Any act or omission by you or any third party using your account; or
Any misrepresentation made by you, including false or inaccurate data in your lead profile.

15. Privacy Policy & Data Practices

Your privacy is important to us. Our Privacy Policy, available at www.carloanconnect.ca/privacy, describes how we collect, use, share, and protect your personal information. By using the Services, you consent to our data practices as described in that policy.

16. Third-Party Links & Advertisements

16.1 External Links. The Platform may contain links to third-party websites, services, or advertisements that are not owned or controlled by Car Loan Connect. We do not endorse, guarantee, or assume responsibility for any third-party content, products, or services. If you access a third-party link, you do so at your own risk, and you understand that these Terms and our Privacy Policy do not apply to your use of such sites.

16.2 Advertisements. Car Loan Connect may display ads or promotional content (e.g., from Dealer Partners, lenders, or affiliate programs). Clicking on or interacting with such ads may allow third parties to collect information about you. Refer to the third party’s privacy policy for details.

17. Termination or Suspension of Service

17.1 Termination by Car Loan Connect. Car Loan Connect may suspend or terminate your access to the Services, in whole or in part, immediately and without prior notice if we determine, in our sole discretion, that you have violated these Terms, engaged in fraudulent or abusive conduct, or posed a security risk.

17.2 Termination by User. You may terminate your account and discontinue use of the Services at any time by deleting your account through account settings or by contacting us at info@carloanconnect.ca. Termination will not relieve you of any obligations incurred prior to termination.

17.3 Effect of Termination. Upon termination, all rights granted to you under these Terms will immediately cease. You must promptly delete all copies of any Content obtained from the Platform. Sections 8 (Intellectual Property), 11 (Fees & Payments), 12 (Disclaimer), 13 (Limitation of Liability), 14 (Indemnification), 15 (Privacy), 17.3 (Effect), 18 (Governing Law), 19 (Modifications), 20 (Severability), 21 (Waiver), 22 (Assignment), 23 (Entire Agreement), and 24 (Contact) will survive termination.

18. Governing Law & Dispute Resolution

18.1 Governing Law. These Terms and any disputes arising out of or relating to them shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.

18.2 Informal Resolution. Before initiating any legal action, you agree to first contact Car Loan Connect at info@carloanconnect.ca to attempt to resolve the dispute informally.

18.3 Arbitration (Optional). Any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be resolved by binding arbitration administered by the ADR Institute of Canada, in accordance with its Arbitration Rules. The seat of arbitration shall be Edmonton, Alberta. The arbitration shall be conducted in English. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.

18.4 Small Claims Court Option. Notwithstanding Section 18.3, either party may bring an individual claim in a provincial or territorial small claims court if the claim is within that court’s jurisdictional limit.

19. Modifications to These Terms

19.1 Right to Modify. Car Loan Connect reserves the right, at our sole discretion, to modify, amend, or replace any portion of these Terms at any time by posting updated terms on our website (with a new “Effective Date”).

19.2 Notice of Changes. For material changes, we will provide notice via email (if you have an account) and/or a prominent notice on our homepage at least 30 days before changes become effective.

19.3 Acceptance of Changes. Your continued use of the Services after the “Effective Date” of revised Terms constitutes your acceptance of and agreement to the updated Terms.

20. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be replaced by a valid and enforceable provision that most closely matches the parties’ original intent.

21. Waiver

No waiver by Car Loan Connect of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Car Loan Connect’s failure to enforce any provision of these Terms shall not be considered a waiver of our right to later enforce that or any other provision.

22. Assignment

You may not assign or transfer your rights or obligations under these Terms without Car Loan Connect’s prior written consent. Car Loan Connect may assign or transfer its rights and obligations, in whole or in part, to any third party without your consent (for example, in the event of a merger or sale of assets).

23. SMS Terms

When submitting forms via social media or ad platforms, you agree to these terms and services, and you are required to review them before submitting forms. The user filling out the form agrees to this condition “I Consent to Receive SMS Notifications, Alert messages from Car Loan Connect. Message frequency varies. Message & data rates may apply. Text HELP to (587) 327-1012 for assistance. You can reply STOP to unsubscribe at any time. This information will NOT be shared with any third-party marketing parties.”

24. Entire Agreement

These Terms constitute the entire agreement between you and Car Loan Connect regarding the subject matter herein and supersede any prior or contemporaneous agreements, communications, and proposals (whether oral or written) between you and Car Loan Connect.

25. Contact Information

If you have any questions or concerns about these Terms, please contact us:

Car Loan Connect Inc.
Email: info@carloanconnect.ca

Thank you for choosing Car Loan Connect. We look forward to helping you find the best auto financing or credit-building solution.

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