Terms & Conditions

Please read these terms and conditions of use carefully before using this website.
Your use of SJ Auto Loans depends on your acceptance, without modification, of the following terms and conditions (the “Terms and Conditions”). By using SJ Auto Loans you accept these Terms and Conditions.

Modifications of the Terms and Conditions
SJ Auto Loans may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the SJ Auto Loans website. Your continued use of the SJ Auto Loans website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions.

How We Work
When you submit an application to SJ Auto Loans (the “Application”) we work together with service providers to process your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers to locate an appropriate credit provider for you.

Authorization
By submitting an Application to SJ Auto Loans, you certify that all information that you provide in the Application is true and complete and you authorize SJ Auto Loans or our agents or affiliates to:

obtain any credit information concerning your Application from any sources that SJ Auto Loans deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application;
communicate with you in person, by telephone, mail, email, text, or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender’s loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for processing and facilitating your Application.

You can withdraw your consent to being contacted by SJ Auto Loans at any time by notifying us at contact@sjauto.ca or by using the unsubscribe option on any of our electronic messages.

Links
SJ Auto Loans does not warrant the authenticity or reliability of the websites linked to the SJ Auto Loans website and is not responsible for the contents of any linked website. The inclusion of a link on the SJ Auto Loans website does not constitute an endorsement of the linked website by SJ Auto Loans. Use of any such linked website is at the user’s own risk.

No Advice
The Website is for informational and educational purposes only. The Website is not intended to be a comprehensive or detailed statement concerning the matters addressed and is not professional advice or recommendations (including financial, legal, or other professional advice). It is your responsibility to obtain appropriate advice suitable to your particular circumstances from a qualified professional before acting or omitting to act based on any information obtained on or through the Website.

Referred Businesses, Referred Products/Services, and Linked Sites
SJ Auto Loans may provide a referral to an independent business, such as a car dealer, lender, or credit card provider (each a “Referred Business”), and Websites and communications from SJ Auto Loans may include advertisements for products or services (including cars, car loans or another financing, extended car warranties, insurance, roadside assistance services, personal loans, credit building services, and credit cards) offered by a Referred Business (each a “Referred Product/Service”). Those referrals and advertisements do not guarantee that a Referred Product/Service will be offered or available to you as indicated or at all, or that you will qualify to purchase or receive a Referred Product/Service. The availability of a Referred Product/Service is within the discretion of the relevant Referred Business (not SJ Auto Loans) and will be subject to the terms and conditions specified by the Referred Business (not by SJ Auto Loans).

Referred Businesses are independent of SJ Auto Loans, and SJ Auto Loans does not have any control over, and is not responsible or liable for, any Referred Business or any Referred Product/Service. Each Referred Business will provide its Referred Products/Services subject to a separate agreement between you and the Referred Business, and SJ Auto Loans are not a party to that agreement or any related transaction between you and the Referred Business. Your dealings with Referred Businesses and your use of a Referred Product/Service are at your own risk, and you will not make any claim against SJ Auto Loans arising from, connected with, or relating to your dealings with a Referred Business or any Referred Product/Service.

For your convenience, Websites and communications sent by SJ Auto Loans may provide links or references to Internet sites or resources operated by independent persons (collectively “Linked Sites”). Linked Sites are independent of SJ Auto Loans, and SJ Auto Loans does not endorse and have responsibility or liability for or control over, any Linked Site, any products, services, or content available through a Linked Site, or the collection of your personal information through a Linked Site or by the owner or operator of a Linked Site. Your use of a Linked Site and your dealings with the owner or operator of a Linked Site are at your own risk, and you will not make any claim against SJ Auto Loans arising from, connected with, or relating to your use of a Linked Site, your dealings with the owner or operator of a Linked Site or any product, service or content available through a Linked Site.

Minors
This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the SJ Auto Loans website, or any services provided in conjunction with the website, under the supervision of an adult. SJ Auto Loans does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law.

Restricted Access
In its sole discretion, in addition to any other rights or remedies available to SJ Auto Loans, and without any liability whatsoever, SJ Auto Loans may at any time, without notice to you, terminate or restrict your access to any component of SJ Auto Loans.

Governing Law
This use of the SJ Auto Loans website and any claims against SJ Auto Loans shall be governed by the laws of the Province of Alberta. You consent and submit to the exclusive jurisdiction of the courts located in the City of Edmonton, in the Province of Alberta, Canada, in respect of all disputes arising out of or relating to the use of the SJ Auto Loans website and these Terms and Conditions.

Privacy Policy
Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal information safe (“Privacy Policy”).

SJ Auto Loans is committed to protecting the privacy and security of your personal information obtained through your Application and your customer relationship with SJ Auto Loans. Our Privacy Policy outlines the types of personal information we collect, how it is used, and the steps we take to ensure your personal information is handled appropriately. Our Privacy Policy applies to the personal information practices on the SJ Auto Loans website and through any interactions with you.

Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available on our website or by contacting us using the contact information provided on the SJ Auto Loans website.

Personal Information
Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information, and credit records, as well as your opinions, preferences and purchase patterns.

Examples of personal information SJ Auto Loans may collect, use and disclose include your contact information, your financial information, and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the SJ Auto Loans website and services.

Collecting Personal Information
SJ Auto Loans will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. SJ Auto Loans will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date.

Using and Sharing Personal Information
SJ Auto Loans may use or share your personal information and Application to:

obtain any credit information concerning your Application from sources that SJ Auto Loans deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies connected with the administration of your Application;
communicate with you in person, by telephone, mail, email, text, or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender’s loan offer (if any) you choose to accept, or whether your Application for credit is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for processing and facilitating your Application.

Protecting Your Personal Information
SJ Auto Loans protects your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification, and takes all necessary security measures necessary to ensure that personal information is handled and stored confidentially and securely. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information.

Sharing Your Personal Information
When your personal information is transferred to or shared with a third party, SJ Auto Loans requires the third party to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under their contracts with SJ Auto Loans to maintain your confidentiality and may not use your information for any unauthorized purpose. If SJ Auto Loans is required by law to provide information, reasonable steps will be taken to verify the lawful authority for the collection and we disclose only the information that is legally required.

Retaining your Personal Information
Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased, or made anonymously, although copies of deleted information may continue to exist on backup media.

Contacting You
By accepting the terms of this Privacy Policy, you consent to receive in-person communications, mail, emails, text messages, phone calls, or contact via social media platforms about additional products and services from us or any of our agents or affiliates. If you choose to unsubscribe from our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly from the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy.

Accessing your personal information stored by us
You have the right to access, update, and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in an email to us at the address provided in the “Contact us” section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request – for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information to verify the identity of the individual seeking access to their information records.

Responding to Privacy Concerns or Complaints
SJ Auto Loans will respond in a reasonable time to your questions, concerns, and complaints about the privacy of your personal information and our privacy policies and procedures. We will investigate and respond to any concerns you have regarding the handling of your personal information.

SJ Auto Loans has designated a privacy officer (“Privacy Officer”) who is responsible for our compliance with this Privacy Policy, and for ensuring that information about our policies and practices relating to the management of personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance with it should be directed to the Privacy Officer in writing and sent by email to contact@sjauto.ca

We are not a dealership, nor do we have inventory. We work closely with dealerships and help you get into the vehicle of your dreams at no extra cost to the consumer. All of our agents act as advisors to help you make the best financial/auto decision possible. Any loans granted are not through SJ Auto Loans but through banks that are partnered with dealerships we work with.