Terms of Service
1. Agreement to Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and QuickCarFinance.ca ("Company," "we," "us," or "our").
By accessing our website, submitting an application, or using our services, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use our services.
2. Nature of Our Services
QuickCarFinance.ca operates as a referral platform that connects consumers with auto financing options through a network of dealership partners and lenders.
We want to be clear:
- We are not a lender, bank, or financial institution
- We do not make credit decisions
- We do not guarantee financing approval or loan terms
- We do not sell vehicles or act as a dealership
All financing decisions are made by independent third-party dealerships and lenders.
3. Eligibility Requirements
To use our services, you must:
- Be at least 18 years of age
- Be a Canadian citizen or permanent resident
- Have a valid Canadian driver’s license or be eligible to obtain one
- Provide accurate and complete information
- Have the legal capacity to enter into agreements
- By using our services, you confirm that you meet these requirements.
4. Your Responsibilities
4.1 Accurate Information
You are responsible for providing truthful and complete information. Submitting false or misleading information may result in denial of service or legal action.
4.2 Authorized Use
You may only submit applications for yourself, unless you have explicit authorization from another individual.
4.3 Communication Consent
By submitting your information, you expressly consent to being contacted by QuickCarFinance.ca, dealership partners, and lenders via:
- Phone
- Email
- SMS (including automated systems)
- Message and data rates may apply.
4.4 Prohibited Use
You agree not to:
- Use the service for unlawful purposes
- Submit false or fraudulent information
- Attempt to access or disrupt systems
- Use bots or automated tools
- Collect data without authorization
5. No Guarantee of Approval
We do not guarantee:
- Financing approval
- Interest rates
- Loan terms
All decisions are made by third-party lenders and dealerships.
Any pre-qualification or estimates are for informational purposes only and are not binding offers.
👉 Submitting an application does not obligate you to accept any financing offer.
6. Third-Party Services
When you submit an application, your information may be shared with dealerships and lenders.
You acknowledge that:
- These are independent third parties
- We do not control their decisions or policies
- Any agreement is strictly between you and them
- We are not responsible for their actions
- You should review all terms before proceeding with any offer.
7. Credit Authorization
By submitting an application, you authorize:
- QuickCarFinance.ca
- Dealership partners
- Lenders
to obtain your credit report and credit score.
You understand that:
- Multiple inquiries may occur
- Some may be hard inquiries
- This may impact your credit score
8. Disclaimer of Warranties
Our services are provided “as is” and “as available.”
We do not guarantee:
- Continuous or error-free service
- Accuracy or completeness of information
- Security or reliability of the platform
9. Limitation of Liability
To the maximum extent permitted by law, QuickCarFinance.ca is not liable for:
- Indirect or consequential damages
- Loss of data, profits, or opportunities
- Decisions made by lenders or dealerships
- Third-party interactions
Our total liability is limited to the greater of:
CAD $100, or
The amount paid to us in the last 12 months
10. Indemnification
You agree to indemnify and hold harmless QuickCarFinance.ca from any claims arising from:
- Your use of the service
- Violation of these Terms
- False or misleading information
- Interactions with third parties
11. Intellectual Property
All content on this website is owned by QuickCarFinance.ca or its licensors and is protected by law.
You may not copy, reproduce, or distribute content without permission.
12. Termination
We may suspend or terminate access at any time, without notice, if these Terms are violated.
13. Dispute Resolution
We aim to resolve disputes through good-faith discussions first.
If unresolved, disputes will be handled through binding arbitration in British Columbia, Canada, under ADR Institute of Canada rules.
You agree to waive participation in class actions.
14. Governing Law
These Terms are governed by the laws of British Columbia, Canada.
15. Severability
If any part of these Terms is found invalid, the remaining sections remain enforceable.
16. Entire Agreement
These Terms, along with our Privacy Policy, represent the full agreement between you and us.
17. Changes to Terms
We may update these Terms at any time. Continued use of the site means you accept the updated Terms.
Acknowledgment
By using this website, you confirm that you understand and accept these Terms.
You acknowledge that QuickCarFinance.ca is a referral service only, and all financing decisions are made by independent third-party lenders and dealerships.
