1. General

TrueFinance is a digital service platform that connects men with licensed financial institutions to help them apply for loans. We do not collect public deposits, run investment programs, or operate as a chit fund. TrueFinance functions solely as a facilitator between borrowers and approved lenders.

2. Eligibility

Access to the Platform is limited to men aged 21 years or older who are legally capable of entering binding contracts under Canadian law.

3. Account Responsibility

To access specific features, users must create a registered account. You are responsible for keeping your login details secure and for all activities conducted under your account. If you suspect unauthorized use, please inform TrueFinance immediately.

4. Privacy

Your personal data is collected, stored, and processed as described in our Privacy Policy. By using the Platform, you consent to the collection and use of your information in accordance with that policy.

5. Payment Protection Insurance (PPI)

TrueFinance may provide optional Payment Protection Insurance (PPI) with certain loans. PPI can assist in covering repayments if you are unable to work due to illness, injury, or unemployment. Coverage, limits, and eligibility are determined by the insurer’s official documents.

6. Use License

You are granted a limited, personal, non-transferable license to use TrueFinance for lawful and non-commercial purposes only. Misuse, fraudulent activity, or unauthorized resale of services is strictly prohibited.

7. Prohibited Use

You agree not to use the Platform for:

• Illegal or fraudulent activity

• Harassment, threats, or harm to others

• Uploading malware, spam, or viruses

• Collecting or misusing another user’s information

• Providing false or misleading details

8. Suspension and Termination

TrueFinance reserves the right to suspend or terminate your account at any time without prior notice if any suspicious, illegal, or prohibited activity is detected.

9. Third-Party Services

The Platform may include links to third-party websites or services. TrueFinance is not responsible for the content, terms, or privacy policies of those third parties and does not endorse or guarantee their services.

10. Credit Information

By applying for a loan, you authorize TrueFinance to obtain your credit report or credit score from recognized credit bureaus such as CRIF, Equifax, or TransUnion. You may withdraw this consent at any time by contacting our support team.

11. Limitation of Liability

TrueFinance will not be liable for any indirect, incidental, or consequential damages resulting from your use of the Platform. Loan approval, amount, and disbursement are determined by the lender and are not guaranteed.

12. Indemnification

You agree to indemnify and hold harmless TrueFinance, its partners, employees, and affiliates from any claims, damages, or losses that arise due to your use of the Platform or violation of these Terms.

13. Refunds and Cancellations

Once a loan has been disbursed, it cannot be canceled. In case of overpayment, any excess funds will be refunded within 30 days of confirmation and reconciliation.

14. Credit Score Improvement Program

If your credit score is below 700, you may be eligible for TrueFinance’s Credit Increment Program, conducted in collaboration with major credit bureaus such as Experian, Equifax, and TransUnion.
After following the program requirements and verifying your bank account, you may become eligible for loan approval within two hours. Once completed, the transaction will appear on your credit report and can improve your credit score.
Loan amounts are usually released within one hour of receiving the required security funds.

Failure to Repay
If you fail to meet repayment obligations:

• Your account may be frozen or restricted.

• Your credit score may drop by up to 100 points.

• You may be blacklisted from other financial institutions for up to two years.

• Your account may be reported negatively to credit bureaus.

TrueFinance operates under the Better Business Bureau (BBB) Section C, Clause No. 1512, and processes direct deposits via secure wire transfer, typically within minutes.

15. Governing Law

These Terms and Conditions are governed by the laws of Canada. Any disputes shall fall under the exclusive jurisdiction of the courts located in Ontario, Canada.

16. Goods and Services Tax (GST) and Harmonized Sales Tax (HST)

Goods and Services Tax (GST)
The Canada Revenue Agency (CRA) administers GST on behalf of the federal government. Businesses collect GST on sales and can claim Input Tax Credits (ITC) for taxes paid on business purchases. The tax is ultimately borne by the end consumer.

Harmonized Sales Tax (HST)
The HST combines provincial sales tax with the federal GST in participating provinces. The CRA collects and distributes the provincial share accordingly. HST rates vary by province.

Application of GST/HST to Loan Services
In Canada, GST or HST applies to personal loan amounts or interest charges. Financial services such as lending and interest collection fall under the consumption tax category.

Fees Subject to GST/HST

• Loan processing or administrative fees

• Loan cancellation or penalty charges

• Late payment fees

• Documentation or service charges

17. Contact Us

For any assistance, inquiries, or account-related questions, please contact:
📧 admin@truefinance.ca
🌐 https://truefinance.ca/