Terms Of Service

TERMS OF SERVICE

Effective Date: January 1, 2025

These Terms of Service (“Terms”) govern your use of the website RVapprovals.ca (the “Website”), operated by 1458811 BC Ltd. (“Company”, “we”, “us”, or “our”).

By accessing or using RVapprovals.ca, submitting a financing application, communicating with us, or using any services provided through the Website, you agree to be legally bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree with these Terms, you should not use the Website or our services.

1. WEBSITE PURPOSE

RVapprovals.ca provides information, referral services, financing pre-qualification assistance, lender matching, and related services for recreational vehicle financing, including but not limited to:

• RV loans
• Motorhome financing
• Trailer financing
• Fifth wheel financing
• Camper financing
• Other RV financing
• Refinancing options
• Related financial products and services

1458811 BC Ltd. is not a direct lender unless explicitly stated. Financing approvals, rates, terms, and conditions are determined solely by participating lenders and financial institutions.

2. ELIGIBILITY

By using this Website or submitting an application, you represent and warrant that:

• You are at least 18 years of age;
• You reside in Canada;
• You are legally capable of entering into binding agreements;
• All information you provide is truthful, accurate, and complete.

You agree not to impersonate another individual or provide misleading or fraudulent information.

3. FINANCING APPLICATIONS & CREDIT AUTHORIZATION

By submitting information or applying for financing through RVapprovals.ca, you:

• Authorize 1458811 BC Ltd. and its lending partners to verify your identity;
• Authorize the collection and review of consumer and/or commercial credit reports;
• Consent to the verification of employment, income, banking, and financial information;
• Authorize us to share your application with multiple lenders, financial institutions, brokers, dealerships, or service providers for the purpose of securing financing or alternative lending offers.

Submission of an application does NOT guarantee:

• Financing approval;
• Specific interest rates;
• Loan terms;
• Vehicle eligibility;
• Promotional offers.

All financing decisions are made solely by participating lenders.

4. COMMUNICATION CONSENT

By using RVapprovals.ca or submitting your information, you expressly consent to receiving communications from 1458811 BC Ltd., affiliated partners, lenders, dealerships, and service providers through:

• Telephone calls
• Email
• SMS/text messaging
• Automated or prerecorded communications where permitted by law

Communications may include:

• Application updates
• Approval or decline notifications
• Financing offers
• Customer service communications
• Promotional and marketing materials
• Related financial or automotive products and services

You may opt out of marketing communications at any time using the unsubscribe instructions provided or by contacting us directly.

5. SMS MESSAGING TERMS & COMPLIANCE

Program Description

Our SMS messaging program sends communications related to:

• Financing application updates
• Customer support
• Appointment confirmations and reminders
• Document requests
• Status notifications
• Service-related communications

Opt-in consent is collected through web forms, applications, or other written consent methods.

Cancellation Instructions

You may cancel SMS communications at any time by replying “STOP” to any text message received from us.

After sending “STOP”:

• You will receive a confirmation message;
• You will no longer receive SMS messages unless you opt in again.

Support Information

For assistance, reply “HELP” or contact us through RVapprovals.ca.

Carrier Liability

Canadian wireless carriers and telecommunications providers are not responsible for delayed or undelivered messages.

Message & Data Rates

Standard message and data rates may apply depending on your mobile plan and carrier. Message frequency varies based on your interactions and application status.

Supported Carriers

Our SMS program is intended to work with major Canadian wireless carriers, including but not limited to:

• Rogers
• Bell
• TELUS
• Freedom Mobile
• SaskTel
• Videotron
• Fido
• Koodo
• Virgin Plus
• Public Mobile
• Chatr
• Lucky Mobile
• Most regional Canadian carriers

Age Restriction

You must be 18 years or older to participate in our SMS messaging programs.

Privacy

For information regarding how your data is collected and used, please review our Privacy Policy available at:
https://RVapprovals.ca/privacy-policy

SMS Data Protection

1458811 BC Ltd. does not sell or share SMS opt-in information or phone numbers with third parties or affiliates for marketing purposes. SMS consent information is kept confidential except where required to deliver messaging services or comply with legal obligations.

We comply with applicable Canadian telecommunications laws, CASL (Canada’s Anti-Spam Legislation), and industry messaging guidelines.

6. PRIVACY

Your use of RVapprovals.ca is also governed by our Privacy Policy, which forms part of these Terms of Service.

The Privacy Policy explains:

• What information we collect;
• How we use and disclose information;
• Your rights regarding your personal information;
• Data security and retention practices.

By using the Website, you consent to our collection and use of information as outlined in the Privacy Policy.

7. INTELLECTUAL PROPERTY RIGHTS

All content on RVapprovals.ca, including but not limited to:

• Text
• Logos
• Graphics
• Images
• Branding
• Software
• Website design
• Documents
• Code
• Trademarks

is owned by or licensed to 1458811 BC Ltd. and protected by Canadian and international intellectual property laws.

You may use the Website solely for personal, non-commercial purposes.

You may not:

• Reproduce
• Modify
• Republish
• Copy
• Sell
• Redistribute
• Exploit
• Reverse engineer
• Create derivative works from Website content without prior written consent.

8. USER SUBMISSIONS

By submitting any information, content, reviews, comments, documents, photographs, or other materials to us, you:

• Represent that you own or have permission to submit the content;
• Grant 1458811 BC Ltd. a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, distribute, modify, display, and store such content for business purposes.

You agree not to submit:

• False or misleading information;
• Defamatory or unlawful material;
• Malicious code or harmful software.

9. THIRD-PARTY SERVICES & LINKS

RVapprovals.ca may contain links to third-party websites, lenders, dealers, financial institutions, advertisers, or service providers.

We do not control or guarantee:

• Third-party products or services;
• Website accuracy;
• Security practices;
• Financing offers or approvals.

Your dealings with third parties are solely between you and the third party.

1458811 BC Ltd. is not responsible for any damages, losses, or disputes arising from third-party interactions.

10. DISCLAIMER OF WARRANTIES

RVapprovals.ca and all services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim all warranties including:

• Merchantability
• Fitness for a particular purpose
• Accuracy
• Reliability
• Availability
• Non-infringement

We do not guarantee:

• Financing approval;
• Specific loan terms or interest rates;
• Continuous Website availability;
• Error-free functionality;
• Compatibility with all devices or browsers.

11. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, 1458811 BC Ltd., its affiliates, officers, directors, employees, contractors, lenders, partners, and service providers shall not be liable for:

• Direct damages;
• Indirect damages;
• Incidental damages;
• Special damages;
• Consequential damages;
• Loss of profits;
• Data loss;
• Financing denials;
• Service interruptions;
• Website outages;
• Unauthorized access to data.

Your sole remedy for dissatisfaction with the Website is to discontinue using it.

In all circumstances, the total liability of 1458811 BC Ltd. shall not exceed five (5) Canadian dollars.

12. INDEMNIFICATION

You agree to indemnify and hold harmless 1458811 BC Ltd., its affiliates, employees, lenders, partners, and service providers from any claims, liabilities, damages, losses, costs, or expenses arising from:

• Your use of RVapprovals.ca;
• Your violation of these Terms;
• Fraudulent or inaccurate information submitted by you;
• Your violation of applicable laws or third-party rights.

13. ACCOUNT SECURITY

If account registration features are available, you are responsible for:

• Maintaining the confidentiality of login credentials;
• Restricting access to your account;
• All activities conducted under your account.

You agree to notify us immediately of any unauthorized account access or security breaches.

14. TERMINATION

We reserve the right to:

• Suspend;
• Restrict;
• Terminate access to RVapprovals.ca or our services at any time without notice if we believe you have violated these Terms or applicable laws.

Upon termination, your right to use the Website immediately ceases.

15. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the Province of British Columbia and the applicable federal laws of Canada.

Any disputes arising from these Terms or your use of the Website shall be resolved exclusively in the courts of British Columbia.

16. CHANGES TO THESE TERMS

We reserve the right to modify these Terms at any time.

Updated versions will be posted on RVapprovals.ca with the revised effective date.

Your continued use of the Website following changes constitutes acceptance of the updated Terms.

17. CONTACT INFORMATION

If you have questions regarding these Terms of Service, please contact:

1458811 BC Ltd.
Website: https://RVapprovals.ca

By using RVapprovals.ca and its services, you acknowledge and agree to these Terms of Service.