Effective date: July 7, 2026
1. Who These Terms Cover
This website is operated by Kootenay Auto Loans of Cranbrook, British Columbia ("we," "us"). These Terms of Use, together with our Privacy Policy, govern your use of this website and the forms on it.
2. Information, Not Advice
The content on this site — including articles, guides, examples, and FAQs — is provided for general information only. It is not financial, legal, or credit advice, and it may not reflect your personal circumstances. Talk to us (or a qualified advisor) about your specific situation before making financing decisions.
3. Financing Is Subject to Approval
Nothing on this site is an offer or guarantee of credit. All financing is on approved credit (OAC) and subject to each lender's criteria, verification of the information you provide, and vehicle eligibility. Rates, terms, payment ranges, and approval times described on this site are illustrative and may change without notice. Our pre-approval process uses a soft credit inquiry that does not affect your credit score; a hard inquiry only occurs with your consent if you proceed with a lender.
4. Your Submissions
When you submit a form on this site, you confirm that the information you provide is accurate and complete to the best of your knowledge, that it relates to you (or someone who has authorized you to act for them), and that you are of the age of majority in your province. How we handle your information is described in our Privacy Policy.
5. Acceptable Use
You agree not to misuse the site — including submitting false or fraudulent applications, attempting to interfere with the site's operation, probing or testing its security, or using automated tools to scrape or spam it.
6. Intellectual Property
The content, design, logos, and branding on this site belong to Kootenay Auto Loans or are used with permission. You may view, print, or share pages for personal, non-commercial purposes; any other reproduction requires our written permission.
7. Third-Party Links & Services
The site may reference or link to third-party websites and services (for example, lenders or credit bureaus). We don't control them and aren't responsible for their content or practices; your use of them is governed by their own terms and policies.
8. Disclaimer & Limitation of Liability
This website is provided "as is" and "as available." While we work to keep it accurate and online, we don't warrant that it will be uninterrupted or error-free. To the maximum extent permitted by law, Kootenay Auto Loans is not liable for indirect, incidental, or consequential losses arising from your use of this website. Nothing in these terms limits rights that cannot be limited under applicable law, including under British Columbia consumer protection legislation.
9. Changes
We may update these terms from time to time. The effective date above shows the latest revision, and continued use of the site after a change means you accept the updated terms.
10. Governing Law
These terms are governed by the laws of British Columbia and the federal laws of Canada applicable in it. Any disputes will be resolved in the courts of British Columbia.
11. Contact
Questions about these terms? Email crystal@kootenayautoloans.com, call or text 1-250-464-1572, or use the contact form.