Terms of Use

These Terms of Use (“Terms”) govern your access to and use of Loangate.online (the “Website”). By using this Website, you agree to these Terms. If you do not agree, please do not use the Website.

1. Not a Lender

Loangate.online is not a lender, broker, or financial institution. We:

• Do not offer or fund loans
• Do not approve or deny applications
• Do not make credit decisions
• Do not provide personalized financial advice

We provide a loan-matching information service that helps connect users with third-party lenders and financial partners.

2. No Guarantees

We do not guarantee:

• That you will be approved for a loan
• Any specific interest rate, loan amount, or term
• That any lender will contact you

All lending decisions are made solely by the third-party lenders and partners, based on their own criteria.

3. Affiliate Disclosure

Loangate.online may receive compensation from lenders or partners when you click a link, submit a form, or are approved for a product. This compensation helps keep the Website free for users.

Compensation does not change the fact that loan terms, interest rates, fees, and approval are fully controlled by the lender, not by Loangate.

4. User Eligibility & Responsibilities

By using the Website, you confirm that you:

• Are at least 18 years old
• Are a resident of Canada (or using the Website to explore Canadian options)
• Will provide accurate and truthful information
• Will use the Website only for lawful purposes

5. Third-Party Websites & Content

The Website contains links to third-party websites, including lenders and financial service providers. We do not control and are not responsible for:

• The content, terms, or privacy practices of third-party websites
• Decisions made by any lender or partner
• Any loss or damage arising from your dealings with third parties

When you leave Loangate.online and visit a lender’s website, you are subject to that website’s own terms and policies.

6. Limitation of Liability

To the fullest extent permitted by law, Loangate.online and its owners, employees, and partners are not liable for:

• Financial losses or damages of any kind
• Loan denials, changes in rates, or rejected applications
• Impact on your credit score from inquiries made by lenders
• Errors, interruptions, or delays in the Website

You use the Website entirely at your own risk.

7. No Professional Advice

Content on this Website is for informational and marketing purposes only and should not be considered professional financial, legal, or tax advice. Always consult a qualified professional for advice tailored to your situation.

8. Changes to the Website & Terms

We may update, modify, or remove content on the Website at any time without notice. We may also update these Terms from time to time. Your continued use of the Website after changes are posted means you accept the updated Terms.

9. Governing Law

These Terms are governed by the laws of Canada and, where applicable, the province in which we operate, without regard to conflict of law principles.

10. Contact

If you have questions about these Terms, you can contact us at:

📧 Email: support@loangate.online

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