Terms of Service

1. Introduction

Welcome to DriveApproved.ca ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and any related applications or platforms (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, you may not access or use the Service.

2. Acceptance of Terms

By accessing our website, submitting an application, or using any of our services, you acknowledge that you:

• Have read and understood these Terms of Service
• Agree to be legally bound by these terms
• Are at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Are a Canadian resident with a valid Social Insurance Number

3. Services Description

3.1 Auto Financing Services

DriveApproved.ca provides automotive financing services including:

• Vehicle loan applications and processing
• Connections to our network of approved lenders
• Bad credit and no credit financing solutions
• Vehicle sourcing and procurement assistance
• Trade-in evaluation and services
• Financial consultation and guidance

3.2 Service Limitations

Please note that we:

• Act as an intermediary between customers and lenders
• Do not guarantee loan approval
• Cannot guarantee specific interest rates or terms
• Reserve the right to decline services at our discretion

4. User Responsibilities

4.1 Accurate Information

You agree to provide accurate, complete, and current information when:

• Completing applications
• Communicating with our staff
• Providing documentation
• Updating your personal information

4.2 Prohibited Activities

You agree not to:

• Provide false or misleading information
• Use our services for fraudulent purposes
• Attempt to circumvent our verification processes
• Interfere with the operation of our website or services
• Violate any applicable laws or regulations
• Impersonate another person or entity

5. Financing Terms

5.1 Application Process

Our financing application process includes:

• Initial pre-qualification assessment
• Credit check and verification
• Income and employment verification
• Vehicle selection and appraisal
• Final approval and documentation

5.2 Loan Terms and Conditions

Financing terms are determined by our partner lenders and may include:

• Interest rates based on creditworthiness
• Loan terms from 12 to 84 months
• Down payment requirements
• Monthly payment obligations
• Insurance requirements
• Default and repossession provisions

5.3 Fees and Charges

Additional fees may apply including:

• Administration fees
• Documentation preparation fees
• Vehicle inspection fees
• Extended warranty fees (optional)

6. Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

7. Intellectual Property

7.1 Company Property

All content on our website and in our services, including but not limited to:

• Text, graphics, logos, and images
• Software and applications
• Trademarks and service marks
• Proprietary processes and methodologies

Are owned by DriveApproved.ca or our licensors and are protected by intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Service for its intended purpose. You may not:

• Copy, modify, or distribute our content
• Use our trademarks without permission
• Reverse engineer our software
• Create derivative works

8. Disclaimers

8.1 Service Availability

We provide our services on an "as is" and "as available" basis. We do not guarantee:

• Continuous or uninterrupted service availability
• Error-free operation
• Security of data transmission
• Accuracy of all information

8.2 Third-Party Services

We are not responsible for:

• Actions or decisions of third-party lenders
• Vehicle condition or quality
• Third-party service provider performance
• External website content or functionality

9. Limitation of Liability

To the maximum extent permitted by law, DriveApproved.ca shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from third-party actions
• Damages exceeding the amount paid for our services

This limitation applies regardless of the theory of liability and even if we have been advised of the possibility of such damages.

10. Termination

10.1 Termination by You

You may terminate your use of our services at any time by:

• Discontinuing use of our website
• Contacting us to close your account
• Providing written notice of termination

10.2 Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice, for:

• Violation of these Terms
• Fraudulent or illegal activities
• Failure to provide required documentation
• Other conduct harmful to our business or other users

10.3 Effect of Termination

Upon termination:

• Your right to use our services ceases immediately
• We may delete your account and data
• Existing financial obligations remain in effect
• Confidentiality obligations survive termination

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

11.1 Dispute Resolution

Before initiating any legal proceedings, parties agree to attempt resolution through:

• Direct negotiation
• Mediation if negotiation fails
• Arbitration as a final alternative to litigation

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by:

• Posting updated terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of our services after changes are posted constitutes acceptance of the updated Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remainder of the Terms will remain in full force and effect. The invalid provision will be replaced with a valid provision that most closely reflects the intent of the original provision.

14. Contact Information

For questions about these Terms of Service or our services, please contact us: