Terms & Conditions

1. Eligibility

You must be at least 19 years of age, a resident of Canada, and legally capable of entering into binding agreements to use our services.

2. Use of Website and Services

You agree not to:

• Submit false or misleading information
• Interfere with the security or operation of the website
• Use our website for unlawful purposes
• Impersonate another individual or entity

3. Credit Application and Authorization

By submitting a credit application, you authorize us to:

• Verify your identity and employment
• Obtain your credit report from credit bureaus
• Share your application and personal information with our lending partners, affiliates, and service providers
• Retain your application details for recordkeeping and regulatory compliance

4. No Guarantee of Approval

Approval for financing is determined solely by our lending partners based on their credit and underwriting criteria. We make no guarantee of financing approval.

5. Limitation of Liability

To the maximum extent permitted by law, Saini Financial Group Ltd., operating as Approved By Saini, shall not be liable for any direct, indirect, incidental, or consequential damages resulting from:

• Use of our website or services
• Denial of credit or financing
• Errors, omissions, or interruptions in service
• Unauthorized access to or alteration of your data

6. Indemnification

You agree to indemnify and hold harmless Saini Financial Group Ltd., operating as Approved By Saini, its officers, directors, employees, and affiliates from any claims, damages, liabilities, or expenses arising from your use of our services, violation of these Terms, or infringement of third-party rights.

7. Jurisdiction and Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes shall be resolved exclusively in the courts of British Columbia.

8. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

9. Amendments

We may update these Terms at any time without notice. Your continued use of the website constitutes acceptance of the updated Terms.