Last Updated: December 1, 2025
These Terms of Use govern access to and use of the AlterCredit.ca website (hereinafter referred to as the “Site”).
By using the Site, you acknowledge that you have read, understood, and accepted these terms.
If you do not accept these terms, please do not use this Site.
1. Nature Of The Service
AlterCredit is not a lender, does not make credit decisions, and is not a party to any loan agreement.
The Site:
- collects information to assess your situation;
- presents partner lenders that may meet your needs;
- facilitates the connection between you and those lenders.
Any formal application, file review, approval, or transfer of funds is carried out exclusively by the selected lender, in accordance with its own criteria, policies, and terms.
2. Eligibility
To use our services, you must:
- be at least 18 years of age;
- reside in Canada;
- provide accurate and up-to-date information when using the form.
Any false information may result in suspension of access to the service.
3. Accuracy Of Information
You are responsible for:
- providing true, accurate, and complete information;
- updating this information if changes occur.
AlterCredit is not responsible for consequences resulting from inaccurate, incomplete, or misleading data.
4. Relationship With Partner Lenders
Partner lenders are independent companies.
AlterCredit:
- does not guarantee loan approval;
- does not influence lender decisions;
- does not control their fees, interest rates, timelines, or internal policies;
- is not responsible for any agreement you may enter into with them.
Before accepting a loan offer, it is your responsibility to carefully review:
- repayment terms;
- associated fees;
- renewal conditions;
- consequences of late or missed payments.
5. No Financial Advice
Information presented on the Site should not be considered:
- financial advice,
- legal advice,
- tax advice,
- or professional recommendations.
Any financial decision should be made based on your own judgment or with the help of a professional advisor.
6. Permitted Use Of The Site
You agree not to:
- use the Site for fraudulent or illegal purposes;
- attempt to access unauthorized data;
- disrupt the operation of the Site;
- automate data collection without prior consent;
- impersonate another individual.
AlterCredit reserves the right to restrict access in cases of misuse.
7. Intellectual Property
All Site content, including:
- text,
- logos,
- images,
- graphics,
- site structure,
- written content,
is protected by Canadian and international intellectual property laws.
You may not reproduce, distribute, or modify this content without prior written authorization.
8. Limitation Of Liability
AlterCredit is not responsible for:
- decisions made by lenders;
- rates, fees, or terms imposed by lenders;
- accuracy of information provided by lenders;
- any direct or indirect damages related to use of the Site.
The service is provided “as is,” without any express or implied guarantee regarding loan approval or service availability.
9. Security And Privacy
Your use of the Site is also governed by our Privacy Policy, which explains:
- what data is collected;
- how it is used;
- with whom it may be shared;
- your rights of access and deletion.
You can review it here: Privacy Policy.
10. External Links
The Site may contain links to lender platforms or other websites.
AlterCredit is not responsible for:
- the content of those sites;
- their policies or practices;
- the security of information they collect.
You access external links at your own risk.
11. Service Suspension Or Termination
AlterCredit may suspend or interrupt access to the Site, in whole or in part, without notice if:
- an update is required;
- a technical issue occurs;
- suspicious or fraudulent activity is detected;
- a user fails to comply with these terms.
12. Changes To The Terms
We may modify these Terms of Use at any time.
The most recent version will always be available on this page with its update date.
Continued use of the Site constitutes implicit acceptance of the updated terms.
13. Governing Law
These terms are governed by the laws of Canada and applicable federal legislation.
In the event of a dispute, you agree that the competent courts of Canada shall have exclusive jurisdiction.
14. Contact
For any questions regarding these Terms of Use, you may contact us at:
info@altercredit.com