1. General

1.1 The website, Buyatoy.ca (“the Website”), is a site operated by Buy a Toy (“the Company”, “we”, “our”, “us”), registered in Ontario, Canada. We may amend these Terms and Conditions of Use (“the Terms”) at any time without prior notice. You are expected to check these Terms from time to time and your continued use of the Website will mean that you accept any amendments. We take your privacy seriously and process information about you in accordance with our Privacy Policy. By using the Website, you confirm you have read and consented to the Privacy Policy. If you believe any material on the Website is inaccurate or violates intellectual property, please contact info@buyatoy.ca.

1.2 The Website provides information and access to products and services of third parties related to automotive vehicles, including new and used car loans.

2. Application

2.1 To apply for any loan or service via the Website, you must be at least 18 years of age and a Canadian resident.

2.2 You must provide accurate and complete information. Misleading or falsified information may result in rejection of your application.

3. Restrictions on Use

3.1 The Website is for personal, non-commercial use only. You agree:

• (a) Not to use the Website for unlawful or prohibited purposes;
• (b) You are responsible for your costs and keeping your account secure;
• (c) Not to transmit offensive or harmful material via the Website.

3.2 We reserve the right to suspend access for non-compliance with these Terms.

4. Links and Third-Party Material

4.1 Some content is provided by third parties. We are not liable for its accuracy or legality.

4.2 Website content may be outdated; we are under no obligation to update it.

4.3 We are not responsible for the content of external websites linked from our site.

4.4 You may link to our Website if it does not imply endorsement or affiliation.

5. Intellectual Property Rights

5.1 All intellectual property on the Website is owned or licensed by the Company. You may only print or download for personal use.

5.2 No material may be used for commercial purposes without written permission.

5.3 No license is granted to use our trademarks.

6. Disclaimer & Exclusions of Liability

6.1 We do not guarantee that any loan or product will meet your needs.

6.2 We do not guarantee uninterrupted or error-free access to the Website.

6.3 The Website is provided “as is” with no implied warranties.

6.4 Products obtained via the Website are subject to the provider’s terms. Independent advice is recommended.

6.5 We are not liable for your contracts with third parties via the Website.

6.6 Our maximum liability is limited to the fees we received from you for the service.

6.7 These Terms do not exclude liability for death, personal injury, or fraud.

6.8 You agree to indemnify us for losses arising from your breach of these Terms or third-party contracts.

6.9 This includes our officers, employees, agents, and contractors.

6.10 Use of the Website outside Canada is at your own risk and responsibility.

6.11 You consent to us sharing your information with a licensed financing company (the “Financer”) to obtain a quote and for related purposes including determining eligibility, offering services, and meeting legal requirements.

7. Miscellaneous

7.1 If any provision is invalid, the remainder of the Terms will continue in full effect.

7.2 Our delay or failure to act on a breach does not waive our rights.

7.3 We are not responsible for delays or failures beyond our control.

7.4 These Terms benefit only you and Buyatoy.ca, except as specified in section 6.

7.5 These Terms are governed by the laws of Ontario and Canada. You agree to the jurisdiction of courts in Ontario.

7.6 Headings are for convenience and do not affect interpretation.