Please read our Terms of Use carefully before using the torontoautoloans.com website (the “Site”). By using the Site, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must not use the Site. Your continued use of the Site will constitute your acceptance of these Terms of Use, as may be modified by torontoautoloans.com at any time without notice to you. Please check this page regularly for updates.
As we offer services in relation to a number of products and services, there are two sections to our Terms of Use. Once you have read Section 1 which applies to all products and services, read the relevant paragraph in Section 2, which provides additional terms in relation to the product or service you require.
1 General
1.1 Access to and use of this website is subject to these Terms of Use and our privacy policy. By accessing and using this Website you agree to be bound by and to act in accordance with these Terms of Use and our Privacy Policy. If you do not agree to these Terms of Use or our Privacy Policy, you are not permitted to access and use this Website and you should cease such access and/or use immediately.
1.2 If you breach any term of these Terms of Use, your right to access and use this Website shall cease immediately.
1.3 We reserve the right to amend these Terms of Use from time to time without notice by amending this page. The amended Terms of Use will be effective from the date they are posted on this Website. As these Terms of Use may be amended from time to time, you should check them whenever you visit this Website. Your continued use of this Website will constitute your acceptance of the amended Terms of Use.
1.4 We may terminate these Terms of Use and/or the products or services offered by torontoautoloans.com at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained on the Site and destroy the materials you have obtained from torontoautoloans.com, including all related documentation and copies.
2 Our Service
2.1 We provide an independent online service which enables you to research and and apply for auto loan services provided by third parties while using this Website. Our pre-approval service is free for you to use. We do not add any fees or commissions to the products or services you apply for. Instead, we will introduce you to other parties who provide these products or services. We are paid by charging those third party providers a fee and/or commission.
2.2 Please be aware that nothing on this website is an endorsement by us in respect to a product or service we refer to. Rather, this website holds lists of recommendations that can help advise various products and services, and information is provided for general purposes only. Information should not be relied upon, as it is provided for you to select the product or service that you feel is most appropriate to meet your needs. You should always check the suitability, adequacy and appropriateness of the product or service that is of interest to you and it is your sole decision whether to obtain or refrain from obtaining any product or service. If you are in any doubt as to the suitability, adequacy or appropriateness of any product or service referred to on this website, we suggest that you seek independent professional advice before you obtain any product or service via this website.
2.3 Please be aware that nothing on this website is, or shall be deemed to constitute, an offer by us or any third party to sell to you any product or service. Nor will we enter into any contract with you in respect of any product or service. By submitting your details, you are making an offer to obtain the relevant product or service from the relevant third party on its terms and conditions that may be accepted or rejected. The contract for the product or service will only be concluded once your offer has been accepted. Please note that acceptance of your payment where possible on this Website does not constitute acceptance of your offer. You will receive confirmation when your offer has been accepted.
2.4 We aim to provide uninterrupted access to this Website but we give no warranty as to the uninterrupted availability of this Website. We reserve the right to suspend, restrict or terminate your access to this Website at any time.
2.5 We reserve the right to add, amend, delete, edit, remove or modify any information, content, material or data displayed on this Website and without notice from time to time.
3 Permitted Use
3.1 You are only permitted to access and use this Website for your personal, non-commercial purposes, meaning this Website may only be accessed and used directly by a private individual or by a business to seek a product or service directly for that individual or business and on their own behalf. Access to and use of this website other than for your personal, non-commercial purposes is strictly prohibited.
3.2 You are not permitted to use this Website:
3.3 You may operate a link to this website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this website in such a way as to suggest or imply any form of association, approval or endorsement by us. We reserve the right to require you to immediately remove any link to this Website at any time and we may withdraw any linking permission at any time.
4 Intellectual property rights
4.1 The copyright in the information, content, material or data displayed on this Website belongs to us or our licensors. You may temporarily print; copy, download or store extracts of information, content, material or data displayed on this Website for your own personal use, subject to the following conditions:
4.2 All intellectual property rights including, without limitation, all copyright, design rights, patents, inventions, logos, business names, trading names, service marks and trademarks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, material or data displayed on it) belong to us or our licensors and all such rights are reserved.
4.3 Except as set out elsewhere in these Terms of Use, none of the intellectual property rights belonging to us or our licensors in and relating to this website (including information, content, material or data displayed on it) may be used, copied, modified, published, extracted, utilized, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted or distributed by you without our prior written consent.
4.4 All rights in torontoautoloans.com are owned by us.
4.5 You shall retain ownership of any views, opinions, reviews, ratings, comments, content or material you submit, display, distribute, upload, post, share, publish or otherwise make publicly available on or through this Website (“User Content”). You grant us a perpetual, irrevocable, transferable, worldwide, royalty free and unlimited license to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilize, extract, make available and transmit such User Content in any manner and for any purpose. Sections 5, 6 and 7 are important and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.
5 Limits to our liability
5.1 Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.
5.2 While we use reasonable endeavors to ensure information on this website is accurate, up to date and will correct errors after becoming aware – we do not check, monitor, review, verify or endorse, and are not responsible or liable for any loss or damage you may suffer or incur in connection with, any information, content, material or data collected from or provided by third parties which is displayed on or is otherwise available from this Website or any third party websites. Such information, content, material or data may be inaccurate, incomplete or out of date. It is your responsibility to check that such information, content, material or data is accurate, complete, correct and up to date.
5.3 Any views, opinions, advice, reviews, ratings or comments on this website or any third party websites which are made by third parties (including User Content as described in paragraph 4.5) do not represent our views, opinions or advice, should not be relied upon by you and are not checked, monitored, reviewed, verified or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, reviews, ratings or comments including in relation to their accuracy, truthfulness or completeness.
5.4 We do not give any warranty or guarantee that this Website, any third party website or any information, content, material or data on this Website or any third party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs or anything else which may have a contaminating, harmful or destructive effect on any technology. You must ensure that you use appropriate virus checking software. We are not responsible or liable for any loss or damage you may suffer or incur in this regard were caused by any third party.
5.5 We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website which is caused by any event beyond our reasonable control including the electronic transmission of information, content, material and data over the internet and the interception or decryption of it by others.
5.6 We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.
5.7 We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.
6 Disclaimer of Warranties
6.1 Use of this website and/or the services is at your own risk. Neither the Materials, Submissions nor the Third Party Content have been verified or authenticated in whole or in part by torontoautoloans.com, and they may include inaccuracies or typographical or other errors. torontoautoloans.com does not warrant the accuracy or timeliness of the Materials, Submissions or the Third Party Content contained on this Site. torontoautoloans.com has no liability for any errors or omissions in the Materials, Submissions and/or the Third Party Content, whether provided by torontoautoloans.com or our licensors.
torontoautoloans.com, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS OR THIRD PARTY CONTENT, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. torontoautoloans.com DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.
7 Exclusion of our liability in respect of third party advice, assistance, websites and products or services
7.1 You can apply for a number of products and services via this website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors or defaults of any third party in connection with that product or service.
7.2 Please be aware that the information and descriptions of products and services on this website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying.
7.3 If you apply for and obtain any product or service, you will be contracting with a Third Party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions applying to any contract entered into by you with any third party in relation to any product or service or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions.
7.4 We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by Third Parties over whom we do not have control. You access and use these third party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such Third Party websites. Any links to third party websites are provided for your interest and convenience only. We do not endorse, recommend or accept responsibility for such third parties, their products or services, their websites or for any information, opinions or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third party websites or for any acts, omissions, errors or defaults of any Third Party in connection with their website.
7.5 Your use of any third party website will be governed by the terms and conditions of use and privacy policy applicable to that website. Such terms and conditions of use and privacy policy will be different from these Terms of Use and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any Third Party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any Third Party website or for any acts, omissions, errors or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.
7.6 Any views, opinions, advice or assistance which is given or provided to you by a Third Party after you have used this website do not represent our views, opinions, advice or assistance and are not checked, monitored, reviewed, verified or endorsed by us. We do not endorse, recommend or take responsibility for any third party who provides you with any views, opinions advice or assistance. You act or refrain from acting on any third party’s views, opinions, advice or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice or assistance including in relation to their accuracy, truthfulness or completeness or for any acts, omissions, errors or defaults of any third party in connection with such views, opinions, advice or assistance.
7.7 Please be aware that while this website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this website and which may be more appropriate or suitable for you than those shown here.
8 Your responsibilities
8.1 You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content as described in paragraph 4.5) is free from viruses, spyware, malicious software, trojans, worms, logic bombs and anything else which may have a contaminating, harmful or destructive effect on any part of this website or the websites of third parties or any other technology.
9 Privacy
9.1 We are committed to protecting your privacy and we treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.
10 Miscellaneous
10.1 This website is only intended for use by residents of Canada. We make no warranty or representation that any product or service referred to on this Website and/or any service we provide is available or otherwise appropriate for use outside of the Canada. If you choose to use this Website from locations outside of Canada, you do so at your sole risk and you are responsible for compliance with all applicable local laws.
10.2 If any provision of these Terms of Use is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted from these Terms of Use and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.
10.3 These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supersedes any prior agreements (including any previous terms of use of this Website).
10.4 No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
11 Governing law
These Terms of Use and your use of the Site are governed in all respects by the laws of the Province of Ontario, without giving effect to any principles of conflicts of laws. Any dispute concerning the Site or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in the Province of Ontario.
In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.
Some products or services require additional terms and conditions to those set out above and these are detailed below:
12 Auto Loan Applications
Our Auto Loan Application service allows you to apply for an Auto Loan for the purpose of getting Pre-Approved from home.
You will need to answer a number of questions on this website in order to compare or obtain a pre-approval or quote from one of our Dealer Partners. These questions are designed to ensure that we and all relevant Dealer Partners and Lenders have all the information necessary to provide you with appropriate and timely information relating to the products and automobiles in which you are interested in. The tier of approvals and the amount you will be pre-approved for and inventory that will be offered will be determined by the answers you provide to these questions. It is therefore very important that you answer all of the questions truthfully, completely and accurately and that you disclose all relevant facts. Failure to do so could invalidate the auto loan pre-approval you are applying for.