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TrueLoan Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of the website https://www.trueloans.live and the TrueLoan mobile application (together referred to as the “Platform”), operated by TrueLoan (hereinafter referred to as “we”, “us”, or “TrueLoan”).

By accessing or using the Platform, you (“User” or “You”) agree to these Terms. If you do not agree with these Terms, you must not access or use the Platform.

1. General

TrueLoan is a digital platform that helps connect users with financial institutions to facilitate loan applications and related services. We do not offer any investment schemes, accept public deposits, or act as a chit fund.

2. Eligibility

You must be at least 21 years old and legally allowed to enter into a contract in Canada to use our Platform.

3. Acceptance of Terms

By using the Platform, you accept these Terms. We may update these Terms at any time without prior notice. Continued use of the Platform means you agree to any changes.

4. Your Account

You may need to create an account to access certain features. You are responsible for maintaining the confidentiality of your login details. You must notify us immediately if you suspect unauthorized use of your account.

5. Privacy

We collect and use your data as described in our Privacy Policy. By using the Platform, you agree to this policy.

6. License & Access

You are granted a limited, revocable, non-transferable license to use the Platform for personal, non-commercial use. You may not duplicate, copy, resell, or exploit any part of the Platform without our written permission.

7. Monitoring

We may monitor Platform activity to ensure compliance with these Terms and applicable laws. We may remove content or suspend access if violations occur.

8. Suspension of Services

We may suspend or discontinue the Platform or any part of it without notice. You must stop using the Platform upon termination.

9. Prohibited Uses

You may not use the Platform:

• For illegal or unauthorized purposes

• To harm, harass, or defame others

• To distribute malware or spam

• To collect or misuse personal information

10. Limitation of Liability

TrueLoan is not liable for any indirect, incidental, or consequential damages arising from your use of the Platform. We do not guarantee loan approval or financial outcomes.

11. Indemnity

You agree to indemnify and hold TrueLoan and its affiliates harmless against any claims, damages, or losses arising from your use of the Platform or breach of these Terms.

12. Third-Party Links

The Platform may contain links to third-party websites. We are not responsible for their content or practices.

13. User Submissions

By submitting comments or feedback, you grant us the right to use, edit, or publish them without any compensation. You are responsible for ensuring your submissions do not violate laws or rights of others.

14. Credit Information

By applying for loans, you consent to TrueLoan obtaining your credit score and report from credit bureaus (e.g., CRIF, EQUIFAX) to assess your eligibility. You can opt out anytime.

15. Applicable Laws

These Terms are governed by Canadian laws. Any disputes shall be subject to the exclusive jurisdiction of courts in Ontario, Canada.

16. Refunds & Cancellation

Loan services cannot be canceled once disbursed. Any excess payment will be refunded within 30 days after reconciliation.

17. Payment Protection Insurance (PPI)

Payment Protection Insurance (PPI) is a type of insurance designed to cover your debt repayments if you’re unable to work due to certain conditions such as illness, injury, or involuntary unemployment. PPI may be included or optionally offered with your loan. Below are the key aspects of how PPI works:

How PPI Works:

• Purchasing a policy: You purchase a PPI policy, sometimes called a payment or debt protection plan, from a lender when you take out a loan or credit card.

• Paying the premium: Premiums are typically paid monthly or as a lump sum added to the total loan amount.

• Making a claim: If you experience an event covered by the policy (e.g., losing your job), the insurer will make your monthly payments for a specific period.

• Paying off the debt: In the case of death, the policy may pay off the entire outstanding balance of the debt.

Is PPI Right for You?

Whether PPI is suitable depends on your financial situation. Please consider these questions before choosing to purchase PPI:

• Do you have sufficient savings?
  If you have an emergency fund that can cover your expenses for several months, you may not need extra insurance.

• What coverage do you already have?
  You may have sick pay or insurance benefits through your employer or other policies that may overlap with PPI.

• Do you qualify for coverage?
  Read the policy terms carefully. Some PPI policies exclude coverage for pre-existing conditions or certain employment types.

• Have you shopped for alternatives?
  PPI can be expensive and limited. Consider other insurance types like income protection or critical illness cover that may better suit your needs.

18. Contact Us

For questions or support, please contact us:
📧 admin@trueloans.ca