TERMS OF USE
Effective Date: August 28, 2026
Last Updated: August 28, 2026
These Terms of Use ("Terms") govern your access to and use of the websites, webpages, forms, applications, tools, communications and online services operated by or on behalf of Giving You Credit Financial Services Inc. ("Giving You Credit," "GYC," "we," "us," or "our").
These Terms apply to the following websites and their associated webpages and services:
• commercial.givingyoucredit.ca
Collectively, these websites and services are referred to in these Terms as the "Sites."
By accessing or using any of the Sites, submitting an application or inquiry, requesting information, booking a consultation, communicating with us, or otherwise using a service made available through the Sites, you acknowledge that you have read and understood these Terms and agree to be bound by them.
If you do not agree with these Terms, you should not use the Sites.
1. ABOUT GIVING YOU CREDIT
Giving You Credit Financial Services Inc. provides and facilitates consumer, automotive, dealer and commercial financing-related services and programs.
Depending upon the service requested, GYC may:
• receive and process inquiries and applications;
• collect information required to assess or route a financing request;
• communicate with applicants, customers, businesses, dealers and vendors;
• connect applicants with dealerships, lenders, financing companies or other financing partners;
• provide or facilitate technology, marketing, lead-management and dealer-related programs;
• coordinate commercial financing requests with third-party financing providers;
• provide information about financing products, programs and related services; and
• perform other activities reasonably associated with the services described on the applicable Site.
The precise role of GYC depends upon the particular service or program being used.
2. OUR WEBSITES AND DIVISIONS
The GYC online ecosystem includes several distinct service areas.
The primary Giving You Credit website serves as the central entry point for GYC and provides access to its Consumer, Dealer and Commercial services and other company information.
The Consumer website provides information and services relating primarily to consumer credit and automotive financing, including applications and services intended to help consumers connect with appropriate automotive dealerships, financing sources or related providers.
The Dealer website provides information about dealer-focused services, technology, programs, lead-generation services, financing-related programs and other solutions offered or facilitated by GYC.
Terms applicable to a particular dealer product, software service, subscription, agreement or program may be provided separately. If separate written terms govern a particular product or service, those specific terms will apply to that product or service and will prevail over these general Terms to the extent of any conflict.
GYC Commercial Financing provides a customer-facing commercial financing service through which Canadian businesses, dealers and vendors may submit financing inquiries, applications and consultation requests.
GYC Commercial Financing is operated by Giving You Credit Financial Services Inc.
3. IMPORTANT COMMERCIAL FINANCING DISCLOSURE
Giving You Credit Financial Services Inc. is not itself the lender for financing offered through GYC Commercial Financing.
Commercial financing is provided or arranged by Soluco Financial Group Inc. and/or its applicable financing partners.
Giving You Credit and Soluco Financial Group Inc. are separate legal entities.
GYC may act as the applicant's point of contact, collect information, assist with an application, communicate with applicants and coordinate the financing process. GYC may also work with Soluco in connection with commercial financing applications and inquiries.
Soluco and/or its applicable financing partners are responsible for reviewing financing requests and determining whether financing may be available.
Nothing on the Sites should be interpreted as a representation that Giving You Credit itself is providing credit, lending funds, underwriting a commercial loan or making the ultimate credit decision where the financing is provided or arranged by Soluco or another financing partner.
4. NO GUARANTEE OF FINANCING OR APPROVAL
Submitting an application, inquiry, consultation request or other information through a Site does not guarantee:
• approval for financing;
• availability of financing;
• any particular loan or lease amount;
• any particular interest rate;
• any particular payment;
• any particular financing term;
• availability of a particular vehicle or equipment;
• funding within a particular period;
• acceptance by a lender or financing partner; or
• completion of a financing transaction.
All financing is subject to applicable eligibility requirements, credit assessment, documentation requirements, lender or financing-partner policies, asset requirements and other applicable conditions.
Approval, rates, amounts, terms and conditions may vary by applicant, transaction and financing provider.
5. FINANCING INFORMATION AND ESTIMATES
Information presented on the Sites concerning financing amounts, terms, approval timing, rates, payment examples, eligibility, equipment categories, refinancing amounts, working capital or other financing characteristics is provided for general informational purposes unless expressly stated otherwise.
Examples and ranges are not offers of credit and are not guarantees that identical financing will be available to you.
Actual financing terms are determined by the applicable lender, lessor, financing company or financing partner.
Where a Site references published financing programs or program characteristics from a financing partner, those programs may be changed, withdrawn or replaced by the financing provider without notice to GYC.
6. APPLICATIONS AND INFORMATION YOU PROVIDE
You agree that information you submit through the Sites will be accurate and complete to the best of your knowledge.
Depending upon the service requested, information may include:
• name;
• contact information;
• address;
• employment information;
• income information;
• business information;
• financing requirements;
• vehicle information;
• equipment information;
• trade-in information;
• financial information;
• credit-related information; and
• other information reasonably required to process or respond to your request.
You must not knowingly provide false, fraudulent, misleading or unauthorized information.
Providing false or misleading information may result in an application or request being declined, suspended or terminated and may have other legal consequences.
Our collection, use and disclosure of personal information is governed by our Privacy Policy and applicable law.
7. CREDIT CHECKS AND FINANCING PARTNERS
Depending upon the financing product or service requested, a lender, dealership, financing company or other authorized financing partner may require access to credit information or a credit report.
Where legally required, appropriate authorization or consent will be obtained before a credit inquiry is conducted.
A financing partner may impose its own terms, consent requirements, privacy practices and application requirements.
You should review any documents, authorizations and agreements presented to you before agreeing to them.
8. COMMERCIAL FINANCING APPLICATIONS
Commercial financing applications submitted through GYC may be communicated to Soluco Financial Group Inc. and, where applicable, financing partners involved in reviewing, arranging or providing the requested financing.
Information may be used to:
• assess the financing request;
• identify potentially suitable financing programs;
• verify information;
• communicate with the applicant;
• request supporting documentation;
• evaluate assets or transactions;
• obtain additional information with authorization; and
• otherwise process the requested financing transaction.
Submission of an application does not require any financing provider to make an offer or approve financing.
9. DEALERS, VENDORS AND REFERRAL SOURCES
Some applicants may access GYC through a dealership, vendor, referral partner, advertising source or other third party.
GYC may also refer users to third-party businesses or services.
Unless expressly stated otherwise, third parties are separate entities and are responsible for their own products, services, representations, agreements and conduct.
GYC does not control the actions of independent third parties and does not guarantee the products or services they provide.
10. VEHICLES, EQUIPMENT AND OTHER ASSETS
GYC does not guarantee the availability, condition, suitability, value, specifications or price of any vehicle, equipment or other asset described, requested or discussed through the Sites.
Vehicle or equipment purchases may involve separate dealers, vendors, sellers, lenders, lessors or financing companies.
Users are responsible for reviewing the applicable purchase, financing, lease and other transaction documents before completing a transaction.
11. ELECTRONIC COMMUNICATIONS
When you provide your email address, telephone number or other contact information, GYC may communicate with you regarding your inquiry, application, account, consultation, requested service or existing business relationship as permitted by law.
Communications may occur by:
• telephone;
• email;
• SMS/text message;
• webchat;
• voicemail;
• social-media messaging; or
• other electronic communication methods.
Where a communication constitutes a commercial electronic message governed by Canada's Anti-Spam Legislation ("CASL"), GYC will rely upon an applicable form of consent or other lawful authority and will provide required identification and unsubscribe functionality where applicable.
The CRTC states that organizations sending commercial electronic messages must comply with CASL's consent, identification and unsubscribe requirements. CRTC Web
You may withdraw consent to receive marketing communications in accordance with applicable law. Withdrawal from marketing communications does not necessarily prevent GYC from sending transactional, administrative, security, application-related or other communications that are permitted or required by law.
Standard carrier messaging, telephone or data charges may apply.
12. AUTOMATED COMMUNICATIONS AND TECHNOLOGY
GYC may use CRM systems, workflow automation, artificial intelligence, automated messaging, call-routing systems, scheduling technology and other software to assist with communications and service delivery.
Automated systems may be used to:
• acknowledge inquiries;
• respond to common questions;
• collect or verify information;
• provide application updates;
• facilitate scheduling;
• route requests;
• provide reminders;
• follow up regarding an inquiry or application; and
• assist GYC personnel with managing communications.
Use of automated technology does not change any applicable financing requirements or guarantee financing approval.
Material financing and credit decisions remain subject to the processes and requirements of the applicable financing provider.
13. TECHNOLOGY AND SERVICE PROVIDERS
Giving You Credit Financial Services Inc. uses third-party technology and service providers to operate, maintain and support its websites, communications, customer relationship management systems, applications, automations and other digital services.
A2Z Solutions provides certain website, CRM, automation, communications and technology services to GYC. In providing these services, A2Z Solutions may process or have access to information on behalf of Giving You Credit as necessary to provide, maintain, secure or support those services.
A2Z Solutions does not make credit decisions, approve or decline financing applications, determine financing terms, or act as a lender through the Giving You Credit Sites.
Other technology and service providers may also be used from time to time. The handling of personal information by service providers is addressed further in our Privacy Policy.
14. PRIVACY
Your privacy is important to us.
The collection, use, disclosure, retention and protection of personal information associated with the Sites is addressed in the Giving You Credit Privacy Policy.
Depending upon the transaction, information may also be subject to the privacy practices of an independent lender, dealership, Soluco Financial Group Inc., financing partner or other third party.
Canadian private-sector privacy requirements can involve both provincial and federal legislation. British Columbia's Personal Information Protection Act governs organizations' collection, use and disclosure of personal information in circumstances within its scope, while PIPEDA can apply to commercial personal information crossing provincial or national borders. BC Laws
The Privacy Policy should be reviewed together with these Terms.
15. COOKIES, ANALYTICS AND WEBSITE TECHNOLOGIES
The Sites may use cookies, pixels, analytics technologies and similar tools for purposes including:
• website functionality;
• security;
• remembering preferences;
• measuring website traffic;
• understanding Site usage;
• improving services;
• attribution and marketing; and
• advertising where permitted.
Additional information regarding these technologies and available choices is provided through our Privacy Policy and, where applicable, the consent-management tools displayed on the Sites.
16. THIRD-PARTY WEBSITES AND SERVICES
The Sites may contain links to websites, services or resources operated by third parties.
These may include lenders, financing providers, dealerships, vendors, payment providers, social networks or other organizations.
A link does not necessarily constitute an endorsement of every product, service, statement or practice of the linked organization.
GYC does not control third-party websites and is not responsible for their content, availability, security, privacy practices or terms.
Your use of third-party services is governed by the terms and policies of those third parties.
17. INTELLECTUAL PROPERTY
Unless otherwise stated, content created by or for GYC and displayed on the Sites, including text, graphics, branding, logos, layouts, designs, software elements, photographs, videos and other materials, is owned by or licensed to Giving You Credit Financial Services Inc. and is protected by applicable intellectual-property laws.
Third-party names, trademarks, logos and other intellectual property remain the property of their respective owners.
You may access and use Site content for lawful personal or business purposes associated with evaluating or using GYC's services.
You may not, without authorization:
• reproduce substantial portions of a Site;
• republish Site content;
• commercially exploit Site content;
• remove proprietary notices;
• falsely imply affiliation with GYC; or
• use GYC intellectual property in a manner that infringes our rights or the rights of another party.
18. ACCEPTABLE USE
You agree not to use the Sites:
• for unlawful or fraudulent purposes;
• to impersonate another person or organization;
• to submit information without authority;
• to interfere with Site operation or security;
• to introduce malware or malicious code;
• to attempt unauthorized access to systems or information;
• to scrape, harvest or systematically extract information in a manner that materially interferes with the Sites;
• to circumvent security or access controls; or
• in any manner that violates applicable law or the rights of another person.
GYC may restrict or terminate access where reasonably necessary to protect its systems, users, partners or legal rights.
19. WEBSITE INFORMATION
GYC makes reasonable efforts to keep Site information accurate and current.
However, financing programs, lender requirements, partner requirements, rates, terms, program availability, regulatory requirements and other information may change.
We do not warrant that every piece of information on a Site will at all times be complete, current or error-free.
If there is a discrepancy between general information on a Site and the final written terms provided by the applicable financing provider, the financing provider's final approved documentation will govern the financing transaction.
20. NO FINANCIAL, LEGAL, TAX OR ACCOUNTING ADVICE
Information available through the Sites is provided for general informational and service-related purposes.
Nothing on the Sites constitutes legal, tax, accounting or professional investment advice.
Users should obtain independent professional advice where appropriate for their circumstances.
21. NO WARRANTIES
To the extent permitted by applicable law, the Sites and their content are provided on an "as is" and "as available" basis.
GYC does not warrant that:
• the Sites will always be available;
• access will be uninterrupted;
• the Sites will be free of errors or technical problems;
• every financing request will result in an available financing option; or
• third-party services will perform without interruption or error.
Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded under applicable law.
22. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, Giving You Credit Financial Services Inc., its directors, officers, employees, representatives and agents will not be liable for indirect, incidental, special, consequential or punitive damages arising solely from your use of, inability to use, or reliance upon the Sites.
GYC is not responsible for losses caused solely by the acts, omissions, decisions, systems or services of independent lenders, dealers, vendors, financing providers or other third parties that are outside GYC's reasonable control.
Nothing in these Terms limits or excludes liability where such limitation or exclusion is prohibited by applicable law.
23. INDEMNIFICATION
To the extent permitted by law, you agree to indemnify and hold Giving You Credit Financial Services Inc. harmless from claims, losses, liabilities or reasonable costs arising from:
• your unlawful use of the Sites;
• information you knowingly submit without authorization;
• your material violation of these Terms; or
• your infringement of another person's rights.
This provision does not apply to the extent a claim or loss was caused by GYC's own negligence, misconduct or breach of applicable law.
24. SECURITY
GYC uses administrative, technical and organizational safeguards intended to protect information and Site systems.
However, no Internet transmission or electronic-storage system can be guaranteed to be completely secure.
You are responsible for using reasonable care when transmitting information electronically and for protecting any credentials associated with services you use.
25. SERVICE AVAILABILITY AND CHANGES
GYC may modify, suspend, replace or discontinue Site features, programs or services from time to time.
We may also update content to reflect changes in:
• business operations;
• financing partners;
• programs;
• technologies;
• laws or regulations; or
• service offerings.
Where an existing contractual service is governed by a separate agreement, changes to that service remain subject to the applicable agreement.
26. AGE AND CAPACITY
The Sites are intended for individuals who have the legal capacity to enter into the transaction or request they submit.
You must not submit a financing application or legally binding request on behalf of another individual or organization unless you have authority to do so.
27. GOVERNING LAW
These Terms are governed by the laws of the Province of British Columbia and the applicable federal laws of Canada, without regard to conflict-of-law principles, except where applicable consumer-protection or other legislation requires otherwise.
Subject to any mandatory rights or procedures available under applicable law, disputes relating to these Terms or the Sites will be submitted to the courts of competent jurisdiction in British Columbia.
28. SEVERABILITY
If any provision of these Terms is determined to be invalid, unlawful or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect to the extent permitted by law.
29. NO WAIVER
Failure by GYC to enforce a provision of these Terms does not constitute a waiver of that provision or of GYC's right to enforce it later.
30. ENTIRE TERMS
These Terms, together with the Privacy Policy and any specific agreement, authorization or additional terms applicable to a particular GYC product or service, constitute the applicable terms governing use of the Sites and related services.
Where separate written terms apply to a specific service, financing transaction, dealer program or other contractual relationship, those specific terms will govern that relationship to the extent they conflict with these general Terms.
31. CHANGES TO THESE TERMS
GYC may update these Terms periodically to reflect changes in its services, business relationships, technologies or legal obligations.
When material changes are made, the updated Terms will be posted on the Site with a revised "Last Updated" date.
Your continued use of the Sites after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.
Changes will not retroactively alter the terms of a completed transaction or separate agreement unless permitted by that agreement and applicable law.
32. CONTACT US
Questions regarding these Terms may be directed to:
Giving You Credit Financial Services Inc.
2702 Highway 97 North
Kelowna, British Columbia
V1X 4J7
Canada
Telephone: 1-888-506-0516
Email: [email protected]
