Conditions et services

**Termes et conditions – Contrat de prêt personnel**

**1.
Introduction:**
Welcome to Alternative Loans, your trusted financial partner.
These Terms and Conditions outline the agreement between you and Alternative Loans regarding the use of our personal loan services.
By accessing our services, you agree to abide by these terms.

**2.
Eligibility:**
To qualify for a personal loan with Alternative Loans, you must be at least 18 years old and meet our creditworthiness criteria.
We reserve the right to modify eligibility requirements at our discretion.

**3.
Loan Application:**
Completing the loan application accurately and honestly is crucial.
Any misrepresentation may result in the rejection of your application.
By submitting your application, you authorize us to verify the information provided.

**4.
Loan Approval and Disbursement:**
Loan approval is subject to our assessment of your creditworthiness and compliance with our lending criteria.
Upon approval, funds will be disbursed according to the agreed-upon terms.

**5.
Interest Rates and Fees:**
Interest rates and fees will be clearly communicated to you during the application process.
The rates may vary based on your credit score and other relevant factors.
It is your responsibility to understand and agree to the terms before accepting the loan.

**6.
Repayment Terms:**
Repayment terms, including the installment amount, due dates, and any associated fees, will be outlined in your loan agreement.
Failure to meet these terms may result in additional charges and negatively impact your credit score.

**7.
Early Repayment:**
You have the option to repay your loan early without incurring prepayment penalties.
Early repayment can result in interest savings, and you can contact us for assistance in understanding the process.

**8.
Default and Consequences:**
If you default on your loan, Alternative Loans reserves the right to take appropriate legal action to recover the outstanding amount.
Defaulting may also negatively affect your credit score.

**9.
Privacy and Data Security:**
We take the security of your personal information seriously.
Please refer to our Privacy Policy to understand how we collect, use, and protect your data.

**10.
Amendments:**
Alternative Loans reserves the right to update these Terms and Conditions at any time.
We will notify you of any changes, and continued use of our services implies your acceptance of the modified terms.

**11.
Contact Information:**
For questions, concerns, or assistance, please contact our customer support at info@alternativeloans.ca

En utilisant nos services de prêt personnel, vous reconnaissez avoir lu, compris et accepté ces conditions générales.
Nous vous remercions d’avoir choisi Alternative Loans pour vos besoins financiers.