Terms of Service

These Terms of Service ("Terms") govern your use of the North Pinnacle Finance website and services. By using our services, you agree to these Terms.

1. Service Description

North Pinnacle Finance is a referral and matching service.We connect Canadian businesses with credit unions and other financial institutions. We do not lend money directly, nor do we make lending decisions. All loan decisions, terms, conditions, and rates are determined solely by the credit unions and financial institutions we partner with.

2. No Guarantees or Warranties

We provide no guarantees regarding:

• Loan approval or denial
• Specific loan amounts, rates, or terms
• Response times from credit unions
• Availability of specific loan products
• Credit union decisions or actions

All loan offers, terms, and conditions are provided directly by credit unions and are subject to their underwriting criteria and approval processes.

3. User Responsibilities

By using our services, you agree to:

• Provide accurate, complete, and truthful information
• Notify us of any changes to your information
• Not submit fraudulent or misleading applications
• Comply with all applicable laws and regulations
• Not use our services for illegal purposes
• Maintain the security of your account information

4. Information Sharing and Consent

By submitting an application, you authorize us to:

• Share your information with our partner credit unions
• Obtain credit reports and financial information
• Contact you regarding your application and financing options
• Use your information to match you with suitable lenders

You may withdraw this consent at any time by contacting us, though this may affect our ability to provide services to you.

5. Fees and Charges

Our referral service is provided at no cost to you. We may receive compensation from credit unions for successful referrals, but this does not affect the terms or rates offered to you. Any fees, charges, or costs associated with loans are determined and disclosed by the credit unions directly.

6. Privacy and Data Protection

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. We implement appropriate security measures to protect your information.

7. Limitation of Liability

To the maximum extent permitted by law, North Pinnacle Finance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services or any decisions made by credit unions.

8. Indemnification

You agree to indemnify and hold harmless North Pinnacle Finance from any claims, damages, or expenses arising from your use of our services, violation of these Terms, or provision of false or misleading information.

9. Intellectual Property

All content, trademarks, and intellectual property on our website are owned by North Pinnacle Finance or our licensors. You may not copy, reproduce, or distribute our content without our express written permission.

10. Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. We may modify, suspend, or discontinue our services at any time with reasonable notice.

11. Governing Law

These Terms are governed by the laws of Canada and the province of [Your Province]. Any disputes shall be resolved in the courts of [Your Province].

12. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the new Terms on our website and updating the effective date. Your continued use of our services constitutes acceptance of the updated Terms.

13. Contact Information

If you have questions about these Terms, please contact us:

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and North Pinnacle Finance regarding our services.