We're expanding auto loan opportunities across Canada

Terms of Use

Last Updated: October 29, 2025

Welcome & Acceptance of Terms

Welcome to AutoLeader.ca. These Terms of Use govern your use of our website, services, and platform. 

IMPORTANT: By accessing or using AutoLeader.ca, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, you may not use our services.

Acceptance of Terms

By accessing or using AutoLeader.ca, you acknowledge that you have read, understood, and agree to comply with:

  • These Terms of Use
  • Our Privacy Policy (incorporated by reference)
  • Any additional guidelines or rules for specific services

Services Provided

AutoLeader.ca is an INTERMEDIARY SERVICE PROVIDER, NOT A LENDER OR DEALER

What We Do:

AutoLeader.ca operates as an online matching platform that:

  • Connects potential car buyers with dealerships and financial institutions
  • Collects information from users through forms, questionnaires, and quizzes
  • Analyzes your preferences and financial situation
  • Shares that information with our partner network (lenders and dealerships)
  • Facilitates connections between you and multiple financing options

What We Do NOT Do:

AutoLeader.ca is NOT:

  • A direct lender or auto dealer
  • A financial advisor or credit counselor
  • Responsible for your financing decision or terms
  • Liable for lender or dealer actions

Our Revenue Model:

AutoLeader.ca receives commissions from third-party partners for each lead distributed. You are not charged by AutoLeader.ca. Partners determine their own pricing and terms.

Eligibility Requirements

General (All Provinces)

  • At least 18 years old
  • Legally capable of contracts
  • Canadian resident
  • Valid ID available

British Columbia

  • Must be 19+ to independently sign
  • Age 18: May apply with co-signer (19+)
  • Can still drive vehicle
  • Builds credit history

Your Representation & Warranty

By using this site, you represent and warrant that:

  • You meet all age and legal requirements
  • All information provided is accurate and complete
  • You have the legal right to provide such information
  • You are not using the Service for fraudulent purposes
  • You understand the obligations created by these Terms
  • You are not under any legal restriction preventing credit access

User Responsibilities

As a user of AutoLeader.ca, you agree to:

Lawful Use

  • Use the website lawfully and responsibly
  • Not use AutoLeader.ca for unlawful purposes
  • Not damage, disable, or disrupt the platform
  • Not attempt to hack, exploit, or compromise security
  • Not engage in fraudulent or deceptive practices

Accurate Information

  • Provide accurate, current, and complete information when requested
  • Understand that inaccurate information may affect financing eligibility
  • Update information if circumstances change
  • Not provide false information to improve approval chances

Account Security

  • Maintain confidentiality of login information
  • Be responsible for all activity under your account
  • Notify us immediately of unauthorized access
  • Not share credentials with others

No Guarantee of Approval or Specific Terms

IMPORTANT: AutoLeader.ca is a matching service only.

We make NO GUARANTEES regarding financing approval, rates, or specific loan terms.

What We Do NOT Guarantee:

  • Approval: We do NOT guarantee approval for any financing
  • Rates: Advertised rates are examples only and may not be available to you
  • Terms: Specific loan amounts, terms, or monthly payments
  • Results: That financing will result in vehicle purchase
  • Contact: That lenders will contact you
  • Quality: Quality or reliability of partner services
  • Savings: That you will save money compared to alternatives

Lender Independence

Your approval is entirely at the discretion of our partner lenders. Each lender has:

  • Their own eligibility criteria
  • Credit score and income requirements
  • Income verification processes
  • Rate calculation methodologies
  • Individual approval decisions
  • Right to decline any application

AutoLeader.ca has no control over and is not responsible for lender decisions.

Financial and Legal Advice

AutoLeader.ca does NOT provide:

  • Financial advice or recommendations
  • Legal guidance or counsel
  • Tax planning or advice
  • Credit counseling or repair services

Recommendation: Consult qualified professionals (accountant, lawyer, financial advisor) before making financing decisions.

Transfer and Sale of Leads

How Your Information Becomes a “Lead”

When you submit your information through AutoLeader.ca:

  1. Lead Creation: Your information becomes a “lead” in our system
  2. Lead Distribution: We distribute your lead to multiple partners simultaneously or sequentially
  3. Lead Sale: We may sell your lead to partners for a commission
  4. Multiple Sales: Your lead may be sold to multiple partners (typically 3-10+)
  5. Lead Ownership: We retain ownership per our Privacy Policy

You Consent to Understanding:

  • Your information will be shared with multiple third parties
  • These third parties may further share your information with their partners
  • Partners who purchase your lead control their own use of your data
  • We cannot control how partners use your information once transferred
  • We profit from distributing your lead; you will not receive compensation

Lead Value and Our Revenue

Your lead has commercial value. AutoLeader.ca earns revenue by:

  • Receiving commissions from partner lenders per distributed lead
  • Selling leads to dealerships and financial institutions
  • Receiving referral fees when you obtain financing

Typical commission range: $25-$150 per lead, depending on partner and quality.

Lead Recall (Cannot Be Undone)

  • Once submitted, your lead may have already been distributed
  • Opting out prevents FUTURE distribution only
  • We cannot recall leads already sent to partners
  • Partners retain your information per their own policies

Marketing Communications

By using AutoLeader.ca, you consent to receive marketing communications including:

  • Promotional Offers: Special financing offers, limited-time deals, exclusive savings
  • Application Updates: Status updates, follow-ups, completion reminders
  • Vehicle Recommendations: Vehicles matching your preferences and location
  • Customer Stories: Testimonials and success stories from other clients
  • Seasonal Campaigns: Holiday promotions, seasonal opportunities
  • Surveys & Feedback: Requests to help us improve your experience

Communication Methods

Messages may be delivered via:

  • Email
  • SMS (text message)
  • MMS (multimedia message)
  • Phone calls
  • Other methods to which you have consented

How to Opt-Out

SMS Messages

To stop SMS messages from AutoLeader.ca:

  • Reply to any message with STOP
  • We will confirm your unsubscribe via SMS
  • You will no longer receive SMS messages from us
  • To rejoin: Register again as you initially did

Email & Other Communications

  • Click “Unsubscribe” link in any email
  • Email us at info@autoleader.ca
  • Specify type of communications to stop

Issues with Messaging

If you experience issues with the messaging program:

Note on Partner Communications

Marketing opt-outs to AutoLeader.ca do NOT stop partner communications. Partners have their own marketing practices and opt-out procedures.

Interaction with Third-Party Service Providers

Your Data Sharing Consent

By providing information through AutoLeader.ca, you acknowledge and agree that your data may be shared with:

  • Dealerships: New and used car dealers across Canada
  • Lenders: Banks, credit unions, and alternative financial institutions
  • Financing Partners: Other finance companies and partners
  • Credit Bureaus: Equifax Canada, TransUnion Canada

Partner Independence

Any agreements or arrangements made between you and these third-party providers are solely between you and them.

AutoLeader.ca is NOT responsible for:

  • Terms of agreements with partners
  • Products or services provided by third parties
  • Partner compliance with laws or regulations
  • Partner customer service or conduct
  • How partners use or secure your information

Credit Checks

To process your application or transactions, we or third parties may perform a credit check to verify creditworthiness.

Credit checks may include:

  • Soft inquiries (do not impact credit score)
  • Hard inquiries (may temporarily impact credit score)
  • Verification of employment and income
  • Review of payment history

By using this site and submitting information, you consent to such credit checks.

Multiple Contacts Warning

IMPORTANT: By submitting your information, you consent to being contacted by MULTIPLE partners.

Volume of Contact You May Receive:

Phone Calls

  • 5-50+ calls from different lenders and dealers
  • From various phone numbers across Canada
  • At business hours typically (but not limited to)
  • Multiple calls from same partner possible

Emails

  • 10-100+ emails from different partners
  • Marketing offers and loan pre-approvals
  • Rate quotes and vehicle recommendations
  • Follow-up and re-engagement messages

Text Messages (SMS)

  • 5-20+ text messages (if you provided mobile number)
  • From multiple senders
  • Promotional offers and application updates
  • May include shortcodes or toll-free numbers

Other Contact

  • Voicemail messages
  • Follow-up calls over 30-90 days
  • Re-engagement attempts if you don’t respond

Managing Contact Volume

  • You may opt-out of marketing messages per CASL requirements
  • You may request removal from specific partner lists
  • We will honor opt-out requests for FUTURE distribution
  • We cannot recall leads already distributed to partners
  • Partners control their own contact practices independently

Do Not Call List (DNCL) Exception

Even if you’re registered on the National Do Not Call List:

  • Partners may contact you regarding your application
  • Exception under CASL: “existing business relationship”
  • Exception under CASL: “consent to be contacted”
  • By submitting application, you grant this exception

Privacy

Your use of AutoLeader.ca is governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.

Please review the Privacy Policy to understand how we handle personal data.

Key Privacy Topics:

  • How we collect and use information
  • How we share data with partners
  • Your data protection rights
  • PIPEDA compliance
  • Cross-border data transfers
  • Data breach notification procedures

Fees and Charges

No Direct Fees to Users

AutoLeader.ca does NOT charge users directly for our matching service.

What’s FREE:

  • Submitting your information
  • Receiving matches with lenders
  • Being contacted by partners
  • Using our website and platform
  • All AutoLeader.ca services

Our Revenue Model

AutoLeader.ca earns revenue by:

  • Receiving commissions from partner lenders when you match
  • Selling leads to dealerships and financial institutions
  • Receiving referral fees when you obtain financing

Typical commission range: $25-$150 per lead

You understand:

  • Partners pay AutoLeader.ca, not you
  • This creates a potential conflict of interest
  • We may prioritize partners paying higher commissions
  • This does NOT affect price you pay partners (they set their own rates)

Partner Fees

Partners may charge fees including:

  • Application fees
  • Origination fees
  • Documentation fees
  • Early repayment penalties
  • Late payment fees

These fees are set by partners, not AutoLeader.ca. Review all partner terms carefully before agreeing.

Intellectual Property

All content and materials on AutoLeader.ca (including but not limited to text, graphics, logos, images, videos, and software) are owned or licensed by AutoLeader.ca and protected by intellectual property laws.

Your License

We grant you a limited, non-exclusive, non-transferable license to access and view AutoLeader.ca for personal use only.

Prohibited Actions

You may NOT:

  • Reproduce or copy content from the site
  • Distribute or sell content
  • Modify or create derivative works
  • Reverse engineer or decompile software
  • Remove any copyright or proprietary notices
  • Use content for commercial purposes

Any unauthorized use is a violation of these Terms and applicable law.

Termination

AutoLeader.ca reserves the right to terminate or suspend your access to the platform at any time, with or without notice, if we determine that you have:

  • Violated these Terms of Use
  • Engaged in fraudulent or unlawful activity
  • Provided false or misleading information
  • Attempted to gain unauthorized access
  • Interfered with platform operation
  • Violated other users’ rights

Effect of Termination

  • Your access is immediately revoked
  • You must cease all use of the platform
  • Previous obligations continue to apply
  • These Terms survive termination

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

AutoLeader.ca provides its services “AS IS” and “AS AVAILABLE” without any warranties of any kind.

No Express or Implied Warranties

We make NO warranties regarding:

Accuracy & Availability

  • Information accuracy, completeness, or currency
  • Service availability or lack of interruption
  • Transmission security despite security measures
  • Service quality or functionality

Financing & Results

  • Financing approval or specific rates
  • Loan terms, amounts, or monthly payments
  • That use will result in approved loans
  • That financing will be better than alternatives
  • That you will save money

Partner Quality

  • Quality or reliability of partner services
  • Partner compliance with laws
  • Partner security or privacy protections
  • That partners will contact you

Technical

  • Error-free operation or bug-free code
  • Freedom from viruses or malware
  • Compatibility with all devices/browsers
  • Uninterrupted data access

Professional Advice Disclaimer

AutoLeader.ca does NOT provide:

  • Financial advice or recommendations
  • Legal advice or guidance
  • Tax planning or advice
  • Credit counseling or repair services

You should consult qualified professionals before making financial decisions.

Consumer Rights

Nothing in this section limits or excludes any consumer rights you may have under Canadian consumer protection laws that cannot be limited or excluded by contract.

Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Agreement to Arbitrate

You and AutoLeader.ca agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of our Service shall be settled by binding arbitration, except as provided below.

Arbitration Process

  • Location: British Columbia, Canada
  • Rules: British Columbia Arbitration Act
  • Arbitrator: Single arbitrator mutually agreed upon
  • Language: English
  • Costs: Each party bears their own costs unless arbitrator decides otherwise

Exceptions to Arbitration

Either party may seek:

  • Injunctive relief in court for intellectual property violations
  • Claims in small claims court (if eligible)
  • Report to regulatory authorities (Privacy Commissioner, etc.)

Class Action Waiver

YOU AGREE THAT DISPUTES WILL BE RESOLVED INDIVIDUALLY, NOT AS A CLASS ACTION.

You waive any right to:

  • Participate in a class action lawsuit
  • Act as a class representative
  • Consolidate claims with other users
  • Seek relief on behalf of others

If this waiver is found unenforceable, the arbitration agreement does not apply to that claim.

Informal Resolution First

Before filing arbitration, you agree to first:

  • Contact us at info@autoleader.ca
  • Attempt informal resolution
  • Allow 30 days for good faith resolution

Time Limit for Claims

Any claim must be filed within ONE YEAR from when the claim arose.

After one year, the claim is permanently barred.

Indemnification

You agree to indemnify, defend, and hold harmless AutoLeader.ca, its affiliates, officers, directors, employees, agents, and partners from any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from or related to:

  1. Your use or misuse of the Service
  2. Your breach of these Terms of Use
  3. Your violation of any law or regulation
  4. Your violation of third-party rights
  5. Inaccurate, false, or misleading information you provide
  6. Your failure to honor commitments to lenders or dealers
  7. Disputes between you and third-party partners
  8. Your application for financing
  9. Any financing agreement you enter
  10. Your use of any vehicle financed through partners

Your Cooperation

You agree to cooperate fully in the defense of any claim. AutoLeader.ca reserves the right to assume exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense.

This indemnification survives termination of your use of the Service.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

AutoLeader.ca and its affiliates shall not be liable for ANY losses, including but not limited to:

  • Direct damages
  • Indirect damages
  • Incidental damages
  • Consequential damages
  • Special damages
  • Punitive damages
  • Lost profits or revenue
  • Lost business opportunities
  • Lost data
  • Damage to reputation

arising from or related to:

  • Your use or inability to use the platform
  • Provision or failure to provide services
  • Unauthorized access or data transmission
  • Partner conduct or services
  • Financing decisions or terms
  • Any financing agreement

Consumer Rights

Nothing in this section limits or excludes any consumer rights you may have under Canadian consumer protection laws.

Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be:

  • Severed from these Terms
  • Modified to the minimum extent necessary to make it enforceable
  • Replaced with a valid provision that most closely reflects the original intent

Effect

The remaining provisions of these Terms shall:

  • Remain in full force and effect
  • Be interpreted to give effect to the parties’ intent
  • Continue to bind both parties

Example

If the arbitration clause is found unenforceable:

  • Only that clause is removed
  • All other terms remain valid
  • Disputes would proceed in court under remaining terms

Assignment and Business Transfer

Our Right to Assign

AutoLeader.ca may assign, transfer, or delegate these Terms and our rights and obligations:

  • To any affiliate or subsidiary
  • In connection with merger, acquisition, or sale of assets
  • To any successor entity in corporate reorganization
  • To third-party service providers

No notice required. Your continued use constitutes acceptance.

Your Right to Assign

You may NOT assign these Terms without our prior written consent. Any attempted assignment without consent is void.

Business Sale Effect

In the event AutoLeader.ca is sold or merged:

  • These Terms remain in effect
  • Your information may transfer to acquiring entity
  • Acquiring entity assumes our obligations
  • You will be notified per our Privacy Policy
  • You may opt-out of continued service under new ownership

Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Canada and British Columbia, without regard to its conflict-of-law provisions.

You agree to:

  • Submit to arbitration per the “Arbitration & Dispute Resolution” section
  • Accept exclusive jurisdiction of Canadian courts for matters not subject to arbitration
  • Waive any objection to venue in Canadian courts
  • Irrevocably consent to jurisdiction of such courts

Entire Agreement

These Terms of Use, together with our Privacy Policy and any other referenced agreements, constitute the entire agreement between you and AutoLeader.ca regarding the subject matter and supersede all prior communications, whether electronic, oral, or written.

Changes to Terms

We reserve the right to update or modify these Terms at any time. Changes take effect immediately upon being posted on this page.

Your continued use of AutoLeader.ca after modifications constitutes acceptance of the updated terms.

📋 Notification: We will provide notice of material changes to your email address on file when legally required.

Contact Us

If you have any questions regarding these Terms of Use, please contact us:

Email: info@autoleader.ca
Website: https://www.autoleader.ca/

Response Time: We respond to inquiries within 10 business days.

Legal Disclaimer

These Terms of Use are provided for informational purposes only and do not constitute legal advice.

We strongly recommend consulting an attorney to ensure full compliance with applicable laws in your jurisdiction.

AutoLeader.ca disclaims all liability for any losses, damages, or claims arising from the use or reliance on these Terms.

These Terms may be updated periodically without prior notice. Regular review of updates is recommended. Continued use constitutes acceptance of updated terms.