Terms of Service

1. About These Terms

These Terms of Service ("Terms") constitute a legal agreement between you and Niagara Auto Finder ("we," "us," or "our") regarding your use of our automotive financing services and website.

By using our services, submitting an application, or visiting our website, you agree to be bound by these Terms and our Privacy Policy.

2. Our Services

Niagara Auto Finder provides automotive financing services including:

• Pre-approval for vehicle financing
• Matching customers with appropriate lenders
• Vehicle sourcing and sales
• Insurance arrangement assistance
• Trade-in evaluations
• Customer support and guidance

Important: We are a financing intermediary, not a direct lender. Final approval and loan terms are determined by our partner lenders.

3. Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a Canadian resident with valid identification
• Have a valid Social Insurance Number
• Provide accurate and complete information
• Have legal capacity to enter into contracts
• Meet minimum income requirements (varies by lender)

4. Application Process

Pre-Approval:

• Pre-approval is not a guarantee of final financing
• Pre-approval amounts and terms are estimates
• Final approval depends on full documentation and lender review
• Pre-approval typically expires after 30-60 days

Required Documentation:

• Government-issued photo identification
• Proof of income (pay stubs, employment letter, tax returns)
• Proof of residence (utility bill, lease agreement)
• Banking information and references
• Additional documents as requested by lenders

Credit Checks:

• We may perform soft credit inquiries for pre-approval
• Hard credit inquiries require your explicit consent
• Multiple applications within 14-45 days typically count as one inquiry

5. Fees and Costs

Our Fees:

• Pre-approval and application processing: FREE
• Documentation fee: Disclosed before signing
• Vehicle sourcing fee: If applicable, disclosed upfront
• No hidden fees or surprise charges

Third-Party Costs:

• Licensing and registration fees
• Insurance premiums
• Extended warranty costs (optional)
• Lender fees (disclosed in loan documents)

6. Vehicle Information and Warranties

Vehicle Condition:

• All vehicles are sold with safety certificates
• Vehicle history reports are provided when available
• Vehicles are sold "as is" unless otherwise specified
• Extended warranties are available for additional cost

Pricing:

• Prices are subject to change without notice
• Advertised prices may not include taxes and fees
• Final pricing is confirmed in purchase agreement

7. Cancellation and Returns

Cooling-Off Period:

• Ontario law provides limited cooling-off rights
• Specific terms depend on your purchase agreement
• Cancellation may result in fees and charges

Financing Cancellation:

• You may cancel financing applications before final approval
• Approved loans are subject to lender terms and conditions
• Early loan payoff terms vary by lender

8. Your Responsibilities

As a customer, you agree to:

• Provide accurate and complete information
• Notify us of any changes to your circumstances
• Make loan payments as agreed with your lender
• Maintain required insurance coverage
• Keep vehicle registration current
• Use our services lawfully and ethically

9. Limitations of Liability

To the maximum extent permitted by law:

• We are not liable for lender decisions or loan terms
• We are not responsible for vehicle defects after delivery
• Our liability is limited to the fees you paid us
• We are not liable for indirect or consequential damages
• These limitations do not affect your statutory rights

10. Website Terms

Acceptable Use:

• Use our website only for lawful purposes
• Do not attempt to hack or disrupt our systems
• Do not submit false or misleading information
• Respect intellectual property rights

Content:

• Website content is for informational purposes only
• Rates and terms shown are examples and may not apply to you
• We reserve the right to update content without notice

11. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains:

• What information we collect and why
• How we use and protect your information
• Your rights regarding your personal data
• How to contact us about privacy concerns

12. Dispute Resolution

Complaints Process:

1. Contact us directly to discuss your concern
2. We will investigate and respond within 10 business days
3. If unsatisfied, you may escalate to relevant authorities

Governing Law:

• These Terms are governed by Ontario law
• Disputes will be resolved in Ontario courts
• Consumer protection laws may provide additional rights

13. Regulatory Compliance

We comply with applicable laws and regulations including:

• Ontario Consumer Protection Act
• Personal Information Protection and Electronic Documents Act (PIPEDA)
• Canadian Anti-Spam Legislation (CASL)
• Motor Vehicle Dealers Act (Ontario)
• Competition Act (Canada)

14. Changes to These Terms

We may update these Terms from time to time. Changes will be effective when posted on our website. Continued use of our services after changes constitutes acceptance of the new Terms.

For significant changes, we will provide additional notice by:

• Email notification to active customers
• Prominent website notice
• Direct communication during service interactions

15. Contact Information

16. Severability

If any part of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. The unenforceable provision will be replaced with an enforceable provision that most closely reflects our original intent.

17. Entire Agreement

These Terms, together with our Privacy Policy and any signed agreements, constitute the entire agreement between you and Niagara Auto Finder regarding our services. These Terms supersede all prior communications and agreements.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.