Terms & Conditions – Evergreen Loans
1. Overview
Evergreen Loans operates as an online financial services platform designed to help users explore borrowing options by connecting them with licensed third-party lenders and financial service providers. Evergreen Loans does not issue loans directly, does not offer investment products, does not accept public deposits, and does not operate as a savings or chit fund entity. Our role is limited to facilitating access between applicants and independent lenders.
2. User Eligibility
Access to this platform is available only to individuals who are at least 21 years of age and legally permitted to enter into binding agreements under applicable Canadian laws.
3. User Accounts & Security
Certain features may require account registration. Users are responsible for safeguarding their login credentials and for all actions performed through their account. If you suspect unauthorized access or misuse, you must notify Evergreen Loans promptly.
4. Personal Information & Privacy
Evergreen Loans collects and processes personal information in accordance with its published Privacy Policy. By using our services, you acknowledge and agree to the handling of your information as outlined in that policy.
5. Optional Insurance Products
Some lenders or third-party partners may offer optional protection products, such as payment or income protection coverage. These products are governed solely by the provider’s terms, including eligibility, pricing, and coverage conditions. Evergreen Loans does not underwrite, manage, or guarantee these products.
6. Limited Use Rights
You are granted permission to access and use this platform for personal and lawful purposes only. Commercial exploitation, unauthorized access, or misuse of the platform is strictly prohibited.
7. Prohibited Conduct
Users must not engage in activities including, but not limited to:
Fraudulent, deceptive, or unlawful conduct
Harassment or harmful behavior toward others
Uploading harmful code, malware, or spam
Improper use of personal or third-party data
Providing false or misleading personal or financial information
8. Access Restriction or Termination
Evergreen Loans reserves the right to restrict, suspend, or terminate access to the platform at its discretion if misuse, policy violations, or unlawful activity is identified.
9. External Services & Providers
The platform may contain links or connections to third-party lenders, insurers, or service providers. Evergreen Loans does not control these entities and is not responsible for their products, decisions, content, or practices.
10. Credit Report Authorization
By submitting an application, you authorize Evergreen Loans and its partner lenders to obtain and review credit information from recognized credit reporting agencies such as Equifax or TransUnion, where legally permitted. Consent may be withdrawn by contacting support, subject to applicable law.
11. Liability Disclaimer
Evergreen Loans is not responsible for lender decisions, approval outcomes, interest rates, repayment terms, or funding timelines. To the fullest extent permitted by law, Evergreen Loans is not liable for indirect or consequential damages arising from platform use.
12. User Indemnity
You agree to indemnify and hold harmless Evergreen Loans, its affiliates, officers, employees, and partners from any claims, losses, or expenses resulting from your violation of these Terms or misuse of the platform.
13. Cancellations & Charges
If a loan application or agreement is cancelled after processing has begun, fees may apply as determined by the third-party lender or service provider. All applicable fees will be disclosed prior to acceptance. Evergreen Loans does not impose undisclosed penalties.
14. Financial Education & Credit Programs
From time to time, users may be referred to optional financial education or credit support programs offered by third parties. Participation is voluntary and governed by the provider’s terms. Evergreen Loans does not guarantee improvements in credit scores or approval outcomes.
15. Applicable Law
These Terms are governed by the laws of Canada, and any disputes shall fall under the exclusive jurisdiction of the courts of Ontario, Canada.
16. Taxes & Regulatory Fees
Certain fees charged by third-party lenders or service providers may be subject to GST, HST, or other applicable taxes, depending on jurisdiction. All taxes and charges will be disclosed prior to final agreement.
17. Contact Information
For questions, support, or concerns related to these Terms, please contact: