Terms of Service

1. Acceptance of Terms

By accessing or using the websites autofinancebrokers.ca and/or autofinancebrokers.com (the "Sites") or by submitting any inquiry or application form, you ("you" or "User") agree to be legally bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference.

If you do not agree with any part of these Terms, you must not use our Sites or services. These Terms constitute a legally binding agreement between you and Auto Finance Brokers ("we," "us," or "our").

We reserve the right to update these Terms at any time. Continued use of the Sites after changes are posted constitutes your acceptance of the revised Terms.

2. Nature of Our Service

Our service consists solely of:

• Collecting your application information through our website
• Matching your application with one or more third-party lending partners in our network who may offer automotive financing
• Transmitting your application details to those matched lenders
• Following up with you to facilitate the connection between you and lenders

All credit and financing decisions are made exclusively by the lender to whom your application is referred. Any loan offer, approval, interest rate, term, or condition is determined solely by the lender and is subject to their underwriting criteria. On Approved Credit (O.A.C.)

We may receive compensation from lending partners when a successful referral is made. This compensation does not affect the rates or terms offered to you by the lender.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age (or the age of majority in your province or territory, if higher)
• Be a resident of Canada
• Have the legal capacity to enter into binding contracts under applicable Canadian law
• Provide accurate, current, and complete information in any application or inquiry form

By using our Sites, you represent and warrant that you meet all of the above eligibility requirements. If you do not meet these requirements, you must not use our services.

4. No Guarantee of Approval

Submitting an application through our website does not guarantee:

• That you will be matched with any lender
• That any matched lender will contact you
• That you will be approved for financing of any kind
• Any particular interest rate, loan amount, or term

Interest rates and loan terms vary based on the lender's assessment of your credit profile, income, vehicle, loan amount, and other factors at the lender's sole discretion.

5. Your Obligations

By using our Sites and services, you agree to:

• Provide truthful, accurate, current, and complete information in all forms and communications
• Not submit applications on behalf of another person without their express authorization
• Not use our Sites for any unlawful purpose or in violation of any applicable Canadian federal, provincial, or municipal laws
• Not attempt to circumvent any security feature, anti-spam measure, or rate limit on our Sites
• Not use automated tools, bots, or scripts to interact with our Sites
• Notify us promptly if any information you have provided changes materially

You acknowledge that providing false or misleading information in connection with a loan application may constitute fraud and may be a criminal offence under the Criminal Code of Canada, R.S.C. 1985, c. C-46.

6. Consent to Electronic Communications

By submitting an application and checking the consent checkbox, you provide express consent under Canada's Anti-Spam Legislation (CASL), S.C. 2010, c. 23, to receive commercial electronic messages (CEMs), including SMS/text messages and emails, from Auto Finance Brokers and our lending partners in connection with your application.

You may withdraw this consent at any time by replying STOP to any SMS, clicking unsubscribe in any email, or contacting us at info@autofinancebrokers.ca. Withdrawal of consent may limit our ability to service your application. Text and data rates may apply.

For full details on our messaging practices, see Section 7 of our Privacy Policy.

7. Third-Party Lenders

When we refer your application to a lending partner, that lender is an independent third party. We have no control over and make no representations about:

• Any lender's decisions, products, services, interest rates, or fees
• Any lender's privacy practices or terms of service
• The outcome of any application submitted to a lender

Any agreement you enter into with a lender is solely between you and that lender. We are not a party to, and bear no responsibility for, any loan agreement, contract, or financial product offered by any lending partner.

We encourage you to carefully review any lender's terms, conditions, fees, and interest rates before signing any agreement. Under Ontario's Consumer Protection Act, 2002 and the federal Interest Act (R.S.C. 1985, c. I-15), lenders are required to clearly disclose the cost of borrowing, including the annual interest rate.

8. Intellectual Property

All content on our Sites, including but not limited to text, graphics, logos, design, code, and layout, is the property of Auto Finance Brokers or its licensors and is protected by applicable Canadian copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use our Sites for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works of, or commercially exploit any portion of our Sites without our prior written consent.

9. Disclaimers & Limitation of Liability

Our Sites and services are provided "as is" and "as available" without warranties of any kind, express or implied, to the maximum extent permitted by applicable law.

To the fullest extent permitted under Ontario law and the laws of Canada, Auto Finance Brokers shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages arising from your use of our Sites or services
• Any loss of income, profits, goodwill, or data
• Any decisions made by third-party lenders, including rejection of your application
• Any terms, rates, or conditions of any loan offered by a lender
• Any interruption, suspension, or discontinuation of our Sites or services

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including under the Consumer Protection Act, 2002 (Ontario) or other mandatory consumer protection legislation.

Where liability cannot be excluded, our total liability to you shall not exceed CAD $100 or the amount, if any, you paid to us for our services (which is $0 for most users), whichever is greater.

10. Indemnification

You agree to indemnify, defend, and hold harmless Auto Finance Brokers and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from: (a) your use of our Sites or services; (b) your violation of these Terms; (c) your submission of false or inaccurate information; or (d) your violation of any applicable law.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our services shall first be subject to good-faith negotiation. If the dispute is not resolved within 30 days, it shall be submitted to binding arbitration administered under the Arbitration Act, 1991 (Ontario), S.O. 1991, c. 17, with proceedings conducted in English in Ontario, Canada.

You irrevocably submit to the exclusive jurisdiction of the courts of Ontario for any matter not subject to arbitration. Nothing in this section prevents either party from seeking urgent injunctive or other equitable relief from a court of competent jurisdiction.

To the extent permitted by law, you waive any right to commence or participate in a class action or class-wide arbitration against Auto Finance Brokers.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on the Sites with an updated "Last Updated" date. It is your responsibility to review these Terms periodically. Your continued use of our Sites or services after any changes constitutes your acceptance of the revised Terms.

For material changes, we will make reasonable efforts to notify users (e.g., via a banner notice on the Sites).

13. Contact Us

If you have questions about these Terms of Service, please contact us:

• Organization: Auto Finance Brokers
• Email: info@autofinancebrokers.ca
• Phone: 289 906 7864
• Website: autofinancebrokers.ca