Effective Date: 24/07/2026

Last Updated: 24/07/2026

Welcome to iapprove.ca, operated by I APPROVE CANADA. These Terms & Conditions govern your access to and use of our Site and services. By accessing or using our Site, submitting an application, or communicating with us, you agree to be bound by these Terms. If you do not agree, please do not use our Site or services.

1. About Our Services:

iApprove is an auto financing referral and brokerage service based in Alberta, Canada. We connect individuals with a network of third-party lenders and dealerships to help them find financing options for vehicle purchases. We are not a lender. We do not guarantee approval, specific rates, or specific financing terms. All financing decisions are made solely by the third-party lender(s) reviewing your application.

2. Eligibility:

Our services are intended for Alberta residents who are at least 18 years of age (or the age of majority in their jurisdiction) and who meet the eligibility criteria described on our Site (e.g., minimum monthly income requirements), which may change at any time without notice.

3. No Guarantee of Approval:

Submitting an application through our Site does not guarantee financing approval, a specific interest rate, or specific loan terms. Approval and terms are determined entirely by the lender(s) in our network based on their own underwriting criteria.

4. No Upfront Fees:

We do not charge upfront fees to submit an application or receive a financing match. Any fees associated with financing, vehicle purchase, or delivery will be disclosed to you directly by the applicable lender or dealership before you commit to any agreement.

5. Accuracy of Information:

You agree to provide accurate, current, and complete information when submitting an application or communicating with us. Providing false or misleading information may result in denial of your application and may have legal consequences.

6. Consent to Contact & Credit Checks:

By submitting an application, you authorize us and our network of lenders to:

- Contact you by phone, email, or text message regarding your application, using the contact information you provide;

- Obtain a credit report or other credit information from credit reporting agencies (such as Equifax or TransUnion) for the purpose of evaluating your financing eligibility.

See our https://iapprove.ca/privacypolicypage for more information on how your personal information is collected, used, and disclosed.

7. SMS / Text Messaging Terms:

If you opt in to receive text messages from us:

- You may receive messages related to your application status, appointment reminders, and account notifications.

- Message and data rates may apply. Message frequency varies.

- Consent to receive text messages is not a condition of obtaining financing or any service from us.

- Text HELP for assistance or STOP at any time to opt out of future messages.

- Carriers are not liable for delayed or undelivered messages.

8. Third-Party Lenders and Dealerships:

Our Site may connect you with third-party lenders and dealerships. We are not responsible for the actions, representations, products, services, fees, or terms offered by these third parties. Any agreement you enter into with a lender or dealership is solely between you and that third party, and is governed by that party's own terms and conditions.

9. Third-Party Links:

Our Site may contain links to third-party websites (e.g., dealership inventory, social media). We do not control and are not responsible for the content, privacy practices, or terms of use of these third-party sites.

10. Intellectual Property:

All content on this Site including text, graphics, logos, and images is the property of I APPROVE CANADA or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use our content without our prior written permission.

11. Limitation of Liability:

To the fullest extent permitted by law, [Legal Business Name] shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our Site or services, including but not limited to loss of financing opportunity, denial of an application, or issues arising from a third-party lender or dealership agreement.

Our Site and services are provided "as is" and "as available," without warranties of any kind, express or implied.

12. Indemnification:

You agree to indemnify and hold harmless [Legal Business Name], its officers, employees, and agents from any claims, damages, or expenses arising from your use of our Site, your violation of these Terms, or your provision of false or misleading information.

13. Governing Law:

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

14. Changes to These Terms:

We may update these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of our Site after changes take effect constitutes acceptance of the revised Terms.

15. Contact Us

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

I APPROVE CANADA

Phone: 236-506-4394

Email: [email protected]

Address: 205 west lakeview drive, Alberta, Canada

This document is a draft template and does not constitute legal advice. We recommend having it reviewed by a lawyer licensed in Alberta to confirm compliance with applicable consumer protection, lending disclosure, and consumer credit laws before publishing.