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Terms & Conditions

A legal disclaimer
 

FINANC1FYD – Terms & Conditions & Legal Disclosures

(For Mortgage, Business Loan, and Auto Financing Services in Canada)

Effective Date: [Add Date]

Welcome to FINANC1FYD (“the Company”, “we”, “us”, “our”). By accessing this website, submitting an application, communicating with our agents, or using any of our mortgage, business loan, or vehicle financing services, you agree to the following Terms & Conditions and Legal Disclosures.

1. General Information Only – Not Financial or Legal Advice

All information provided on this website, advertisements, emails, social media, or verbal communications is for informational purposes only.

  • It does not constitute financial, legal, investment, or tax advice.

  • All decisions should be based on your own independent evaluation and consultation with licensed professionals.

FINANC1FYD is not responsible for actions taken based on the information provided.

2. No Guarantee of Approval or Funding

FINANC1FYD does not guarantee:

  • Mortgage approvals

  • Business loan approvals

  • Auto financing approvals

  • Any lending terms, rates, conditions, or funding amounts

All approvals are subject to:

  • Lender underwriting

  • Borrower qualification

  • Credit assessment

  • Income verification

  • Regulatory requirements

Lenders may require additional documents at their discretion.

3. Independent Brokerage Disclosure

FINANC1FYD operates as an independent mortgage and financing brokerage, working with multiple lenders, banks, private lenders, and financial institutions.

We do not represent or endorse any lender as the sole or exclusive provider of financial products.

4. No Solicitation Disclaimer

Nothing on our website, ads, or communications constitutes:

  • An offer to lend money

  • A solicitation to borrow

  • A solicitation to investors or lenders

  • An inducement to enter a financial transaction

All services are provided only at the voluntary request of the client.

You acknowledge that contacting us or submitting information is done at your own discretion.

5. Broker Compensation Disclosure

As licensed brokers/agents, we may receive compensation from lenders, financial institutions, or third parties for arranging financing.

Compensation varies by lender, loan type, risk profile, and loan size.

Where legally required, full compensation disclosure will be provided in writing before finalizing a transaction.

6. No Liability for Third-Party Lenders or Dealerships

FINANC1FYD is not responsible for:

  • Decisions made by lenders

  • Rates or terms offered by lenders

  • Auto dealers’ pricing or vehicle conditions

  • Third-party agreements entered by the client

  • Dealership disclosures, warranties, misrepresentations, or omissions

Clients enter all third-party agreements at their own risk.

7. Accuracy of Information Provided by Clients

Clients agree to:

  • Provide true, accurate, and complete information

  • Not misrepresent income, employment, assets, or identity

  • Submit lawful documentation

FINANC1FYD is not responsible for any delays, denials, or legal consequences arising from inaccurate or fraudulent information.

8. Regulatory Compliance (Canada)

Our mortgage services comply with applicable Canadian provincial regulations including, where relevant:

  • Mortgage Brokerages, Lenders and Administrators Act (MBLAA – Ontario)

  • Real Estate Services Act (BC)

  • Consumer Protection Act (various provinces)

  • PCMLTFA Anti-Money Laundering (FINTRAC) obligations

We may be required to collect personal ID, verify identity, and follow anti-money laundering processes.

9. No Warranty of Website Content

We do not guarantee accuracy, completeness, or timeliness of any website content.
All information may change without notice.

10. Limitation of Liability

To the fullest extent permitted by Canadian law:
FINANC1FYD, its agents, employees, and affiliates shall not be liable for any:

  • Losses

  • Damages

  • Delays

  • Denied applications

  • Financial decisions

  • Reliance on any content

  • Vehicle defects

  • Third-party lender actions

  • Business losses or operational impacts

You agree to use our services at your own risk.

11. Privacy and Consent

By submitting personal information, you consent to:

  • Collection

  • Use

  • Verification

  • Sharing with selected lenders, credit bureaus, and partners

We follow Canadian privacy regulations including PIPEDA.

Your information will not be sold or shared without consent.

12. Auto Financing & Vehicle-Related Disclosures

FINANC1FYD does not:

  • Sell vehicles directly

  • Inspect vehicles

  • Guarantee vehicle conditions

  • Guarantee odometer accuracy

  • Guarantee accident history

All auto loan approvals are based on lender guidelines and client creditworthiness.

13. Business Financing Disclosure

Business loans may come from:

  • Banks

  • Credit unions

  • Private lenders

  • Alternative lenders

  • Merchant cash advance companies

Terms may include:

  • Higher interest

  • Fees

  • Prepayment penalties

  • Personal guarantees

Clients must review and understand their contracts before signing.

14. Indemnification Clause

You agree to indemnify and hold harmless FINANC1FYD from any claims, losses, liabilities, or expenses arising from:

  • Misuse of our services

  • Misrepresentation of information

  • Third-party lender agreements

  • Business or vehicle purchases

  • Failure to follow legal or financial advice

15. Changes to Terms

These Terms & Conditions may be updated at any time. Continued use of our services constitutes acceptance of updated terms.

16. Contact Information

For questions regarding these Terms & Conditions:

FINANC1FYD
📧 sales@financ1fyd.ca
📞 365-866-1683
📍 Canada

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