Terms and Conditions

1. Introduction

Welcome to Ekjot Motor Finance Inc. These terms and conditions outline the rules and regulations for the use of our website and services. By accessing this website, you accept these terms in full. If you do not agree with any of these terms, please do not use our website.

2. Services Provided

Ekjot Motor Finance Inc. provides car financing assistance, including loan application support, credit guidance, and access to third-party vehicle lenders. We do not provide direct lending or credit repair services.

3. Eligibility

To use our services, you must be at least 18 years of age, reside in Canada, and provide accurate and complete personal information. Submitting false documents or information may result in disqualification.

4. Privacy

We collect and handle your personal information in accordance with Canadian privacy laws. Your data is used only for processing applications and will not be sold or shared without consent. See our Privacy Policy for more details.

5. Third-Party Lenders

All loan decisions are made by third-party lenders. Ekjot Motor Finance Inc. does not guarantee approval or loan terms. We assist with documentation and submission but are not liable for lender decisions or terms.

6. Limitation of Liability

Ekjot Motor Finance Inc. is not liable for any damages, losses, or issues arising from loan denials, lender agreements, or the use of our website. Use our services at your own risk.

7. Changes to These Terms

We reserve the right to update these terms at any time. Any changes will be posted on this page. Continued use of the site constitutes your acceptance of the updated terms.

Return and Refund Policy

1. Overview

Ekjot Motor Finance Inc. provides vehicle financing assistance and credit consulting services. We do not sell physical products or directly finance vehicles. This Return and Refund Policy applies to any service fees or consulting charges paid to our company.

2. Refund Eligibility

Clients may request a refund if:
- A service was charged in error.
- A cancellation request was made prior to us submitting a loan application on your behalf.
- The service promised was not delivered due to our error.
Refunds are not issued once an application has been submitted to a third-party lender or once a service has been fully rendered.

3. Non-Refundable Services

The following services are non-refundable:
- Completed application processing or submissions to lenders.
- Credit consulting sessions once delivered.
- Administrative or document preparation fees after work has begun.

4. How to Request a Refund

To request a refund, please contact us within 7 days of the original payment. Provide your full name, the date of payment, the reason for the refund request, and any relevant documentation. Requests can be sent to: info@ekjotmotorfinance.ca.

5. Refund Processing Time

If your refund is approved, it will be processed to your original payment method within 7–10 business days. We will notify you once the refund has been issued.