Terms of Use

Acceptance of Terms

By accessing or using the website located at app.micropretsquebec.com (the "Website") and the services provided by Micro Prêts Québec ("we," "us," or "our"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website or services.

Eligibility

Our services are intended for residents of Canada who are at least 18 years of age. By using our services, you represent and warrant that you meet these eligibility requirements.

Description of Services

Micro Prêts Québec is a technology platform that connects individuals seeking financial products with third-party lenders and financial service providers. We are a matching service — we are not a lender, broker, or financial advisor.

We do not make lending decisions, guarantee loan approval, or set loan terms. All lending decisions are made solely by third-party lenders based on their own criteria. We do not guarantee that you will receive a loan offer or that any offer will meet your specific needs.

We may receive compensation from lenders when a successful match is made. Our services are provided free of charge to users.

Your Account and Information

When using our services, you agree to:

• Provide accurate, current, and complete information in all forms and communications
• Maintain the confidentiality of any account credentials
• Not create more than one account per person
• Not submit information on behalf of another person without their explicit consent
• Promptly update your information if it changes

You are solely responsible for all activity that occurs under your account.

Intellectual Property

All content on our Website — including text, graphics, logos, design elements, software, and the compilation thereof — is the property of Micro Prêts Québec or its licensors and is protected by applicable intellectual property laws.

You may not:

• Reproduce, distribute, or create derivative works from our content
• Use automated systems (bots, scrapers, crawlers) to access or collect data from our Website
• Use our content for any commercial purpose without prior written consent
• Remove or alter any proprietary notices or marks

Prohibited Activities

When using our services, you agree not to:

• Submit false, misleading, or fraudulent information
• Impersonate another person or entity
• Use the services for any illegal purpose
• Attempt to interfere with, compromise, or disrupt the Website or its infrastructure
• Introduce malware, viruses, or other harmful code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Harvest or collect user information without authorization
• Use the services in any manner that could damage, disable, or impair our operations

Third-Party Lenders and Services

Our platform connects you with third-party lenders and financial service providers. You acknowledge and agree that:

• Any loan agreement you enter into is directly between you and the lender — not with us
• We have no control over the terms, conditions, or decisions of any lender
• We are not responsible for the actions, products, or services of any lender
• The identity of specific lenders is not revealed until a match has been made
• You should carefully review all terms and conditions provided by any lender before accepting a loan offer

Marketing Communications

In accordance with Canada's Anti-Spam Legislation (CASL), we obtain your express consent before sending commercial electronic messages. You may provide express consent through our double opt-in confirmation process. You may withdraw your consent at any time by clicking the unsubscribe link included in every email or by contacting us directly. We do not send marketing emails without valid consent.

We include an unsubscribe link in every marketing email. You may also manage your email preferences through your account settings or by contacting us at info@micropretsquebec.ca.

Disclaimer of Warranties

OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that our services will be uninterrupted, timely, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of any information provided through our services

We do not warrant that our Website is free of viruses or other harmful components.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, Micro Prêts Québec SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OUR SERVICES, INCLUDING BUT NOT LIMITED TO:

• Damages arising from lending decisions made by third-party lenders
• Loss of data, profits, or business opportunities
• Any conduct or content of third-party lenders or service providers
• Any unauthorized access to or alteration of your information

This limitation applies regardless of the legal theory on which the claim is based, even if we have been advised of the possibility of such damages.

Indemnification

You agree to defend, indemnify, and hold harmless Micro Prêts Québec, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to:

• Your breach of these Terms of Use
• Your submission of false or fraudulent information
• Your violation of any applicable law or regulation
• Your misuse of our Website or services

Governing Law

This agreement is governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes arising from or relating to your use of our services shall be subject to the exclusive jurisdiction of the courts of the Province of Quebec.

Changes to These Terms

We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of our services after any changes constitutes your acceptance of the modified terms.

We encourage you to review these Terms periodically for any updates.

Contact Us

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

Micro Prêts Québec Lévis, QC, Canada Email: info@micropretsquebec.ca