Terms of use

1. Scope and Preliminary Provisions

These terms govern your access to and use of alphaloans.ca and all services offered through it. By using the site, you agree to be bound by these terms without reservation. We may update them at any time without prior notice. Continued use of the site constitutes acceptance.

2. Use of the Site

You confirm you are of legal age in your province of residence, that you are authorized to enter into a contract, and that all information you submit is truthful and accurate. You are responsible for all costs incurred through your use of the site.

3. Loan Applications

Submitting a loan application constitutes your consent to the collection, use, and sharing of your personal and financial information with our partner lenders. Approved lenders may contact you by email or SMS. Please check your junk folder, as pre-approval messages may be filtered there.

4. User Conduct

You agree to use the site only for lawful purposes and not to submit false or misleading information. Violations may result in immediate suspension of access without notice.

5. Limitation of Liability

Alpha Fina, its directors, employees, and agents accept no liability for any loss or damage arising from your use of the site, including errors, interruptions, or the actions of any third-party lender. The site and its services are provided on an as-is basis.

6. Intellectual Property

All content on this site - including text, graphics, logos, and code - belongs to Alpha Fina or its licensors and is protected under Canadian law. Reproduction without prior written consent is prohibited.

7. Privacy

Internet communications are not inherently secure. By using this site, you acknowledge that information transmitted electronically may be subject to interception. Please consult our Privacy Policy for full details.

8. Domain Names

The domain alphaloans.ca is the exclusive property of Alpha Fina. Unauthorized mirroring, framing, or use of the domain is prohibited.

9. Third-Party Links

Links to external sites are for convenience only and do not constitute an endorsement. We are not responsible for the content or practices of any linked site.

10. Links to This Site

Third parties wishing to link to alphaloans.ca must not imply affiliation, misrepresent our services, or use our logo without written permission. We may revoke linking permission at any time.

11. Language (Quebec)

In the event of a conflict between the English and French versions of these terms, the French version takes precedence for residents of Quebec.

12. Governing Law

These terms are governed by the laws of your province of residence and applicable Canadian federal law. Disputes shall be brought before the competent courts of your province.

13. Conflict Between Agreements

Where a specific loan agreement between Alpha Fina and you conflicts with these general terms, the loan agreement takes precedence to the extent of the conflict.

14. No Waiver

Alpha Fina’s failure to enforce any provision of these terms at any time does not constitute a waiver of the right to enforce that provision in future.