iApprove Canada

TERMS AND CONDITIONS

Effective Date: August 13, 2026
Website: iApprove.ca
Email: [email protected]
Telephone: 236-506-4394

1. Acceptance of Terms

By accessing or using iApprove.ca, submitting an inquiry, completing a financing application or communicating with iApprove Canada regarding our services, you acknowledge that you have read and agree to these Terms and Conditions, together with our Privacy Policy and any additional terms applicable to a particular service.

If you do not agree with these terms, please do not use the website or submit information through it.

2. Eligibility and Age Restriction

You must be at least 18 years of age to use iApprove Canada's website, submit a financing inquiry or application, or participate in our SMS communications.

By accessing the website, submitting information, or opting in to SMS communications, you represent and confirm that you are at least 18 years old.

iApprove Canada does not knowingly collect or solicit information from individuals under the age of 18 for financing services or SMS communications.

If you are under 18, please do not use our website, submit a financing application, or opt in to our SMS communications.

3. Nature of iApprove Canada's Services

iApprove Canada assists consumers seeking vehicle financing by collecting and processing financing information and, where authorized, facilitating communication and application submissions with dealerships, lenders and financing providers.

iApprove Canada helps consumers explore financing options by connecting qualified applicants with participating lenders and financing providers.

iApprove Canada is not necessarily the lender providing financing.

Unless expressly stated otherwise, iApprove Canada does not guarantee that a consumer will:

qualify for financing;

receive an approval;

receive a particular interest rate;

receive a particular financing term;

receive a particular loan amount;

receive a particular vehicle; or

receive financing from any particular lender.

Financing decisions are made by the applicable lender or financing institution.

Financing terms, rates, approval decisions and other conditions are determined by the applicable financing provider.

4. Financing Applications

Submitting an application or inquiry does not constitute a binding loan agreement.

A financing application may be subject to:

credit approval;

verification of information;

lender requirements;

income verification;

employment verification;

identity verification;

vehicle eligibility;

down-payment requirements;

financing terms;

lender policies; and

other conditions.

You agree to provide truthful, complete and accurate information.

Providing false, misleading or fraudulent information may result in cancellation of an application, refusal of financing, termination of services or other action permitted by law.

5. No Guarantee of Approval

iApprove Canada makes no guarantee that an application will be approved.

Any statement regarding potential financing programs, approval possibilities, estimated payments or financing options is informational unless expressly confirmed in writing by the applicable lender.

A preliminary assessment is not a final financing approval.

Approval decisions are made by the applicable lender or financing provider based on its own eligibility requirements, underwriting criteria and policies.

6. Vehicle Information

Vehicle prices, availability, mileage, features, specifications and other vehicle information may be supplied by dealerships or other third parties.

iApprove Canada does not guarantee that all vehicle information displayed or communicated through our services is accurate, complete or current.

Vehicle purchases remain subject to the applicable dealership's terms, vehicle availability and final transaction documentation.

7. Third-Party Lenders and Dealerships

Financing and vehicle transactions may involve independent third parties.

These parties may have their own:

privacy policies;

terms and conditions;

eligibility requirements;

fees;

financing terms;

cancellation policies; and

contractual obligations.

You should review all final documents provided by the applicable dealership, lender or financing institution before signing.

8. Electronic Communications and SMS

When you provide your telephone number or email address and request information or financing assistance, iApprove Canada may communicate with you regarding your inquiry, application, documentation, appointments, financing options, transaction-related information and other services you have requested.

Where you separately and expressly consent to receive promotional SMS messages, iApprove Canada may send promotional text messages regarding vehicle financing opportunities, financing programs, vehicle offers, promotions and related services.

Marketing SMS consent is voluntary and is not a condition of purchasing goods or services.

Message and data rates may apply. Message frequency may vary.

You may opt out of promotional SMS messages at any time by replying STOP. For assistance, reply HELP or contact iApprove Canada at 236-506-4394 or [email protected].

Transactional or service-related communications may continue where reasonably necessary to administer an existing inquiry, application, appointment, transaction or service you have requested.

Your mobile telephone number and SMS opt-in information will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

Commercial electronic messages are subject to applicable Canadian anti-spam requirements, including consent, identification and unsubscribe requirements where applicable.

SMS Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

iApprove Canada is not responsible for SMS messages that are delayed, undelivered, blocked, filtered or otherwise affected by a mobile carrier, telecommunications provider or other third-party network or service provider.

9. Website Use

You agree not to use iApprove.ca:

for unlawful purposes;

to submit fraudulent information;

to impersonate another person;

to interfere with website operations;

to attempt unauthorized access to our systems;

to introduce malicious software;

to scrape or copy website content without authorization;

to interfere with other users; or

in any manner that could damage iApprove Canada or its users.

10. Intellectual Property

Unless otherwise indicated, the content appearing on iApprove.ca, including:

logos;

trademarks;

branding;

graphics;

photographs;

written content;

advertisements;

designs;

videos; and

other materials

is owned by or licensed to iApprove Canada and is protected by applicable intellectual property laws.

You may not reproduce, modify, distribute or commercially exploit our content without prior written authorization.

11. Third-Party Services

Our services may depend upon third-party systems, websites, lenders, credit reporting agencies, dealerships, technology providers or other service providers.

iApprove Canada is not responsible for interruptions, errors, delays, decisions or failures caused by third parties beyond our reasonable control.

12. Disclaimer

To the extent permitted by applicable law, iApprove Canada provides the website and general information on an "as available" basis.

We do not guarantee that:

the website will always be available;

information will always be error-free;

website content will always be current;

applications will be processed without interruption; or

financing will be available to any particular consumer.

Nothing on the website constitutes legal, financial, tax or credit advice.

13. Limitation of Liability

To the maximum extent permitted by applicable law, iApprove Canada will not be responsible for indirect, incidental, consequential, special or punitive damages arising from your use of the website or services, including losses resulting from:

website interruptions;

third-party services;

lender decisions;

dealership actions;

financing denial;

inaccurate information supplied by third parties;

unauthorized access beyond reasonable security safeguards; or

your reliance on information that was not intended to constitute a guarantee.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by law.

14. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless iApprove Canada and its officers, employees, representatives and service providers from claims, losses, liabilities, costs or expenses arising from your:

misuse of the website;

violation of these Terms;

submission of fraudulent or inaccurate information;

violation of applicable laws; or

unauthorized use of another person's information.

15. Changes to Services and Terms

iApprove Canada may modify, suspend or discontinue portions of the website or services at any time where reasonably necessary.

We may also update these Terms and Conditions.

The current version published on iApprove.ca will apply to future use of the website and services.

16. Governing Law

These Terms and Conditions are governed by the laws applicable in the Canadian province in which the relevant legal issue arises, subject to applicable federal law and mandatory consumer-protection and privacy legislation.

Nothing in these Terms is intended to remove or restrict any rights that cannot legally be waived by a consumer.

17. Severability

If any provision of these Terms and Conditions is found to be invalid, unenforceable or unlawful, that provision will be interpreted or modified to the extent necessary to make it enforceable, where permitted by law.

The remaining provisions will continue in effect.

18. Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any specific agreements or disclosures provided to you in connection with a financing transaction, constitute the applicable agreement concerning your use of iApprove Canada's website and services, subject to any additional terms required by law.

19. Contact iApprove Canada

If you have questions regarding these Terms and Conditions, our services or our Privacy Policy:

iApprove Canada
Website: iApprove.ca
Email: [email protected]
Telephone: 236-506-4394

Privacy inquiries:
Privacy Officer
iApprove Canada
[email protected]
236-506-4394