Legal Agreements & Data Authorization

Last Updated: October 15, 2026

By accessing this website or submitting any application through Canada Auto Hub, you acknowledge, understand, and agree to the following legal agreements and authorizations in their entirety.

1. Website Declaration & Binding Agreement

Your use of this website — including visiting any page, submitting any form, or clicking any button — constitutes a binding legal agreement between you and Canada Auto Hub. This agreement encompasses our Privacy Policy, Terms & Conditions, and the authorizations set forth herein.

IF YOU DO NOT AGREE WITH THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THIS WEBSITE AND MUST LEAVE IMMEDIATELY.

2. Data Sharing Authorization

You expressly authorize Canada Auto Hub to share your personal, financial, employment, and credit-related information with our authorized partners for the sole purpose of:

Getting you approved for vehicle financing
Securing and delivering a vehicle to you

These authorized partners include:

Licensed automotive dealerships
Banks, credit unions, and financial institutions
Automotive lending partners
Credit bureaus (for credit verification purposes)
Technology service providers assisting in application processing

We share your data ONLY with partners needed to get you approved and get you your car. We do not share your data with anyone else, for any other purpose. We do not sell your personal information.

3. Credit & Financial Authorization

You authorize Canada Auto Hub and its authorized partners to:

Obtain and review your credit profile and credit history
Verify your employment and income information
Conduct identity verification
Perform soft or hard credit inquiries as required by lender guidelines
Share credit-related information with participating lending partners

You understand that credit inquiries are required to determine financing eligibility and that hard inquiries may temporarily affect your credit score.

4. Communication Consent

You consent to be contacted by Canada Auto Hub and its authorized dealer and lending partners via phone, SMS, and email regarding your vehicle application. This includes:

Application status updates
Financing options and offers
Vehicle availability and delivery information
Follow-up communications to complete your application

Standard message and data rates may apply. You may opt out of SMS at any time by replying STOP. You may opt out of email by replying "unsubscribe."

5. No Guarantee of Approval

Submitting your application through Canada Auto Hub does not guarantee:

Loan or financing approval
Specific interest rates or loan terms
Vehicle availability or specific make/model
Eligibility for any promotional offers, bonuses, or incentives
Specific payment amounts or delivery timelines

All final decisions regarding financing approval, terms, and vehicle acquisition are made exclusively by the applicable lender and/or dealership. Canada Auto Hub facilitates connections only and is not responsible for these decisions.

6. Accuracy & Anti-Fraud Declaration

You declare under penalty of law that all information provided through this website is truthful, accurate, complete, and current. You acknowledge that providing false or misleading information is a serious offense under Canadian law and may result in criminal charges. Canada Auto Hub actively monitors for fraudulent submissions and reserves the right to report suspected fraud to the appropriate authorities.

7. Limitation of Liability & Indemnification

Canada Auto Hub is a connection platform and is not liable for any decisions, actions, or outcomes resulting from interactions with third-party lenders or dealerships. To the fullest extent permitted by law, you agree to indemnify and hold harmless Canada Auto Hub from any claims, losses, or damages arising from:

Your use of this website
Any information you provide
Your violation of these terms
Any financing or vehicle transaction with a third-party partner

8. Governing Law & Jurisdiction

These legal agreements are governed by the laws of Canada, including PIPEDA (Personal Information Protection and Electronic Documents Act) and applicable provincial privacy legislation. Any disputes shall be resolved in Canadian courts of competent jurisdiction.

9. Acknowledgment

By using this website, you confirm that:

You are of legal age in your province of residence
All information you submit is truthful and accurate
You authorize the sharing and review of your information as described above
You understand that lenders or dealerships may contact you directly
You agree to all terms set forth in this agreement, our Privacy Policy, and our Terms & Conditions

Credit & Verification Authorization

By submitting your request — and, to the maximum extent permitted by applicable Canadian law, simply by accessing or using this website — you expressly and voluntarily authorize First Nation Approval and its participating dealerships, lenders, and financial partners (collectively, the “Authorized Parties”) to do the following for the purpose of evaluating your vehicle financing eligibility:

Obtain, review, and verify your credit profile and credit report from one or more consumer reporting agencies (including Equifax Canada Co. and TransUnion of Canada);
Verify your employment status, employer, job title, length of employment, and income (including through pay stubs, bank statements, and notices of assessment);
Conduct identity and fraud-prevention verification against provincial and federal databases, driver’s licence, motor vehicle, and government-issued identification records, to the extent permitted by law;
Perform soft credit inquiries (which do not affect your credit score) for pre-qualification and rate-estimation purposes; and
Perform hard credit inquiries (which may appear on your credit file and temporarily affect your credit score) as required by lender underwriting guidelines to complete your financing application.

This authorization is required to determine financing eligibility and is given voluntarily. Where a lender’s guidelines require it, the Authorized Parties are permitted to obtain both a soft pull (for pre-qualification) and a subsequent hard pull (for formal credit adjudication) on the same file, and you consent to both. This authorization remains valid from the time you access or submit through this site until your financing is completed, your application expires or is withdrawn, or you withdraw consent in writing. A copy of this authorization may be relied upon by participating lenders as your written consent to pull a full credit report.

Your consent is provided in accordance with, and the Authorized Parties’ use of your credit information is limited by, applicable Canadian law, including the Personal Information Protection and Electronic Documents Act (PIPEDA, S.C. 2000, c. 5), the Consumer Reporting Act (British Columbia: RSBC 1996, c. 75), the Consumer Reporting Act (Alberta: RSA 2000, c. C-23), An Act respecting the protection of personal information in the private sector (Quebec: CQLR c P-39.1, as amended by Quebec’s Act modernizing legislative provisions as regards the protection of personal information, S.Q. 2021, c. 25 [“Law 25”]), and the corresponding consumer-reporting and privacy legislation of each province and territory where you reside or apply. You have the right to access, correct, or request the source of your credit information and may withdraw this consent in writing at any time, subject to the obligations of lenders who have already relied on it.

Nothing in this section limits any other right or authorization available to the Authorized Parties under applicable Canadian federal or provincial law. If any provision is found unenforceable, the remainder continues in full force and effect.

Quebec Residents — Additional Rights

If you reside in Quebec, this authorization is additionally provided in accordance with Quebec’s An Act respecting the protection of personal information in the private sector (CQLR c P-39.1), as amended by Quebec’s Act modernizing legislative provisions as regards the protection of personal information (S.Q. 2021, c. 25, commonly “Law 25”). Quebec residents have the right to:

Be informed of the holding of your personal information and of the purposes for which it is collected, used, or communicated;
Access and obtain a copy of the personal information held about you by First Nation Approval and its partners;
Rectify inaccurate, incomplete, or ambiguous personal information;
Withdraw consent to the collection, use, or communication of your personal information, subject to the obligations of lenders who have already relied on it; and
Where a decision relating to you is based exclusively on automated processing, request that the decision be reviewed by a natural person.

Quebec residents may exercise any of these rights by contacting First Nation Approval in writing. Upon request, the consent information set out in these Legal Agreements, including the Credit & Verification Authorization and Communication Consent, will be provided to you in French, as required by Quebec law. The French version is available on request and may be relied upon as the official consent text where required.

Adverse Action & Right to Access Your File

If your application is declined (in whole or in part), or if less favorable financing terms are offered to you based in any part on information contained in your consumer report, you have the right to:

Request, and be provided with, the specific reasons for the adverse decision by the lender or dealer that made it;
Be informed of the name and contact address of the consumer reporting agency that provided the file used in the decision;
Obtain a copy of your consumer report directly from that consumer reporting agency (Equifax Canada Co. and/or TransUnion of Canada) — generally free of charge within the time periods set by provincial consumer-reporting legislation; and
Dispute the accuracy or completeness of any information contained in your credit file with the consumer reporting agency, which is required to investigate and correct any verified inaccuracy.

Nothing in these agreements limits any right you have under applicable federal or provincial consumer-reporting or privacy legislation, including the rights described above.

How Consent Is Captured & Recorded (Clickwrap & Audit Trail)

When you submit a financing request through this website, the authorizations described in these Legal Agreements are captured through an affirmative, unambiguous act — a checkbox that is not pre-checked, clearly disclosing that you authorize the Authorized Parties to obtain your credit report, together with the act of clicking the submit button. By checking that box and submitting your request, you provide explicit written (“clickwrap”) consent for the credit and verification activities described above.

This clickwrap consent is in addition to, and not in limitation of, the authorization you give by accessing and using this website, and is the primary basis on which a participating lender or consumer reporting agency may rely as your written consent to pull a full credit report.

At the moment you submit, we automatically record and retain against the specific application you submitted:

The exact consent text presented to you at that time (both the communication/data consent and the credit verification authorization);
The version identifier of these Legal Agreements that was in effect when you submitted;
The date and time of your consent, in Coordinated Universal Time (UTC) and ISO 8601 format;
The Internet Protocol (IP) address from which your submission was made; and
The user-agent and device/browser information transmitted with your request.

This audit record is retained against your specific application and may be relied upon by the Authorized Parties as evidence of your consent for the purposes of consumer-reporting legislation and applicable privacy law. You may request a copy of your own consent record at any time by contacting First Nation Approval in writing.

3. Communication Consent

You agree that First Nation Approval and its partners may contact you regarding your vehicle request via:

Phone calls
SMS messages
Email communications

You understand that multiple partner dealerships or lenders may contact you to assist with completing your vehicle approval or offer. Message and data rates may apply. You may opt out of SMS at any time by replying STOP, and opt out of email by replying “unsubscribe” or clicking the unsubscribe link in any message. Opting out of communications does not revoke any consent already relied upon for credit inquiries already performed.

Questions about this agreement?