Car Finance BC Legal & Privacy Package

Effective Date: 23rd December 2025

This document combines Privacy Policy, Terms & Conditions, Credit Check Liability Waiver, and Consent Structure for Car Finance BC. It is designed to minimise legal risk and comply with Canadian privacy and financial regulations.

1. Privacy Policy

Car Finance BC (“we,” “our,” or “us”) is committed to protecting your personal information. We follow PIPEDA and applicable Canadian privacy laws.

  • Information We Collect: – Name, phone, email, address – Employment and income details – Date of birth – Driver’s license and credit info (if applicable)
  • Use of Information: – Process vehicle financing applications – Share with lenders and dealerships – Contact via call, SMS, email for application updates – Improve services and marketing
  • Consent: – Users consent to collection and sharing of information – Consent may be withdrawn by contacting Car Finance BC
  • Sharing: – Licensed dealerships, lenders, and service providers only – No selling of personal info
  • Data Security: – Encrypted SSL transmission, restricted access – Users acknowledge no system is 100% secure
  • Retention: – Retained only as long as needed or required by law
  • User Rights: – Access, correct, or withdraw consent
  • Cookies & Third-Party Links: – Used for analytics, user experience – Not responsible for third-party links

2. Terms & Conditions

  • Nature of Service: – Car Finance BC is a referral and lead generation service, not a lender – No guarantee of approval, rates, or loan terms
  • User Responsibilities: – Provide true and accurate info – Must be 18+ and authorised to apply
  • Consent to Communication: – Users agree to be contacted by Car Finance BC and partners – Standard rates may apply, opt-out available
  • Limitation of Liability: – Not responsible for lender decisions, loan terms, or damages – Users’ interactions with lenders/dealers are their responsibility
  • No Financial/Legal Advice: – Service is informational only
  • Third-Party Services: – Not responsible for third-party actions
  • Data Security Disclaimer: – No method is 100% secure; we take reasonable steps
  • Intellectual Property: – Website content is Car Finance BC property
  • Termination: – Right to refuse or terminate service at discretion
  • Governing Law: – Province of British Columbia, Canada

3. Credit Check Liability Waiver

  • Authorisation: – Users authorise credit checks by Car Finance BC and partners
  • Acknowledgement: – Credit checks may impact credit score – Car Finance BC is not liable for score changes or lender decisions
  • Consent Checkbox Example: > “I authorise Car Finance BC and partners to obtain my credit report and understand this may affect my credit score.”

4. Consent Structure

  • Lead Form Checkbox: > “I consent to the collection and use of my personal information and agree to be contacted by Car Finance BC and its partners via phone, SMS, and email.”
  • Footer Disclaimer: > “Car Finance BC is a referral service and not a lender. All financing is subject to credit approval. Terms and conditions may vary based on applicant qualifications.”
  • Contact: Car Finance BC Email: info@carfinancebc.com