Applicant Terms of Service

Applicant Terms of Service

Please read these terms carefully before submitting your credit application through the FNi+ platform.

1. About These Terms

These Applicant Terms of Service (“Terms”) govern your use of the FNi+ credit application platform (the “Platform”) as an Applicant or co-applicant submitting a credit application in connection with a vehicle purchase at an automobile dealership (the “Dealership”). The Platform is operated by FNi+ Technologies Inc., a corporation incorporated under the Business Corporations Act (Alberta) (“Company”, “we”, “us”, or “our”).

The “Dealership” with whom you are seeking to submit your credit application through the Platform is a separate legal entity from Company. Company is not a party to your vehicle purchase transaction, your credit application, or any financing or insurance arrangement you may enter into with the Dealership or its lending partners. These Terms govern your relationship with Company only.

2. Acceptance

By clicking the acceptance checkbox presented to you prior to your access to the Platform and before you submit your credit application, you confirm that you have read and understood these Terms and agree to be bound by them. If you do not agree to these Terms, do not proceed with the credit application.

3. Age of Majority and Residence

By accepting these Terms, you confirm that you are at least the age of majority in the Canadian province (other than Quebec) in which you reside and are legally capable of entering into a binding agreement. If you are not the age of majority in your province, you must not use the Platform or submit a credit application. If you are resident of Quebec, do not proceed with the credit application.

4. What the Platform Does

The Platform is a digital tool that allows you to complete and submit a credit application electronically to the Dealership and its lending partners. The Platform also collects information about how you interact with the Platform. This interaction data is used to help the Dealership’s Finance Manager prepare for your in-person consultation. It is not used to make any credit or lending decision about you.

Any information about Finance and Insurance (F&I) products that you see through the Platform is general and educational in nature. It is presented at the product category level only and is not tied to any specific insurer, lender, or product. It does not constitute a quote, recommendation, offer, or advice of any kind. The Dealership’s licensed representatives are responsible for any discussion or recommendation of specific products.

5. Accuracy of Information

You represent and warrant that all information you submit through the Platform is accurate, complete, current, and your own. You must not submit information on behalf of another person without their express authorization. You must not submit false, misleading, or fraudulent information for any purpose.

6. Consent to Credit Inquiry

By submitting your credit application through the Platform, you expressly consent to the Dealership and its lending partners conducting a hard credit inquiry with one or more credit bureaus. A hard credit inquiry may affect your credit score and will appear on your credit report. This consent is given to the Dealership and its lending partners, not to the Company. The Company does not conduct credit inquiries and does not have access to your credit report.

Once your application has been submitted, this consent cannot be withdrawn. If you do not consent to a hard credit inquiry, do not submit the application.

7. Your Personal Information

By using the Platform, you consent to Company collecting, using, and disclosing your personal information as follows:

What we collect. The Platform collects the information you enter into your credit application (such as your name, address, employment information, and financial details), your identity verification information (including SMS-based verification), your electronic signature, and data about how you interact with the Platform (such as which sections you spend time on and which F&I product categories you select).

Why we collect it. Company collects your information to facilitate the transmission of your credit application to the Dealership, to verify your identity, to generate your application documents, and to provide the Dealership’s Finance Manager with an engagement summary to support your in-person consultation. Company also uses aggregated and de-identified data to improve the Platform.

Who we share it with. Your application information is shared with the Dealership through which you are applying. The Dealership and its lending partners may share your information with credit bureaus in connection with a credit inquiry. Company does not sell your personal information to third parties.

How long we keep it. Your personal information is retained in accordance with the retention periods set out in our Privacy Policy, as attached to these Terms and Schedule “A” hereto. You may request access to, correction of, or deletion of your personal information by contacting us as set out in Section 13.

Our collection, use, and disclosure of your personal information is governed by applicable Canadian privacy legislation, including without limitation, the Personal Information Protection Act (Alberta), the Personal Information Protection Act (British Columbia), and the Personal Information Protection and Electronic Documents Act (Canada), as applicable. For full details, please refer to our Privacy Policy.

8. Electronic Records and Signatures

By using the Platform, you consent to the use of electronic records and electronic signatures. Any electronic signature you provide through the Platform has the same legal force and effect as a handwritten signature and constitutes a valid, binding signature under applicable Canadian electronic transactions legislation, including the Electronic Transactions Act (Alberta), SA 2001, c E-5.5; the Electronic Transactions Act (British Columbia), SBC 2001, c 10; the Electronic Commerce Act, 2000 (Ontario), SO 2000, c 17; and equivalent provincial legislation in other Canadian provinces, except where applicable law expressly requires a handwritten signature for a particular document or transaction.

9. Acceptable Use

You may use the Platform only to submit your own credit application in connection with a potential vehicle purchase at a Dealership. You must not: (a) use the Platform for any unlawful purpose; (b) attempt to access, tamper with, or disrupt any part of the Platform or its underlying systems; (c) submit another person’s information without their express authorization; (d) submit multiple or duplicate applications for fraudulent purposes; or (e) attempt to reverse engineer, copy, or reproduce any part of the Platform.

10. Disclaimers

By using the Platform, you expressly agree and acknowledge the following:

Company is not a lender. The Platform is a technology tool that facilitates the submission of your credit application to the Dealership. Company does not make, participate in, or influence any credit or lending decision. All credit decisions are made by the Dealership and its lending partners.

Company is not an insurer or financial adviser. Company is not a licensed insurance agent, broker, financial adviser, or restricted insurance representative in any Canadian jurisdiction. The Platform does not solicit, recommend, quote, sell, or administer any insurance, F&I, or financial product. Any F&I product information presented through the Platform is general and educational only. It is not tailored to your circumstances and does not constitute advice of any kind. You should consult the Dealership’s licensed representatives and, if appropriate, independent advisers, before making any decision about insurance or financing products.

Platform provided as-is. The Platform is provided on an “as is” and “as available” basis. Company does not warrant that the Platform will be uninterrupted, error-free, or free from technical issues. Company is not responsible for delays, errors, or failures caused by internet connectivity, device compatibility, or third-party services outside its control.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Company shall not be liable to you for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of the Platform, including loss of data, loss of opportunity, or damage to your credit profile, regardless of the cause and even if Company has been advised of the possibility of such damages.

Nothing in these Terms limits or excludes any right or remedy you may have under applicable consumer protection legislation that cannot be waived or excluded by agreement, including (without limitation) rights available under the Consumer Protection Act, 2002 (Ontario), the Business Practices and Consumer Protection Act (British Columbia), Fair Trading Act, RSA 2000, c F-2, or equivalent legislation in other Canadian provinces. To the extent any provision of these Terms conflicts with a mandatory consumer protection right, that right prevails to the extent of the conflict.

12. Your Responsibility for Fraud and Misrepresentation

You agree to indemnify and hold harmless Company, its officers, directors, and employees from and against any claims, losses, damages, costs, and expenses (including reasonable legal fees) suffered by any party arising directly from: (a) your knowing submission of false, fraudulent, or materially misleading information through the Platform; or (b) your unauthorized use of another person’s information or identity in connection with a credit application. This indemnity applies only to losses directly caused by your own dishonest or fraudulent conduct and does not limit any other remedy available to Company or the Dealership at law.

13. Governing Law and Disputes

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, except to the extent that mandatory consumer protection legislation of the province in which you reside applies and cannot be displaced by a choice of law. Any dispute arising out of or relating to these Terms that cannot be resolved informally shall be subject to the non-exclusive jurisdiction of the courts of the Province of Alberta, provided that you retain the right to bring a claim in the courts of your own province of residence where mandatory consumer protection legislation so requires.

14. Changes to These Terms

Company may update these Terms from time to time. Updated Terms will be presented to you for acceptance the next time you use the Platform following the update. Your continued use of the Platform after being presented with updated Terms constitutes your acceptance of those Terms.

15. Contact Us

If you have questions about these Terms, wish to access or correct your personal information, or have a complaint about how your information has been handled, please contact us at:

FNi+ Technologies Inc.

Email: support@fniplus.ai

97 Auburn Glen Manor SE, Calgary, Alberta T3M 0L4

[Remainder of page left intentionally blank. Privacy Policy follows.]

SCHEDULE “A”

Privacy Policy

Privacy Policy (FNi+ default)

How FNi+ collects, uses, and protects your personal information under Canadian federal and provincial privacy legislation.

1. Introduction

FNi+ is a software-as-a-service platform provided to automobile dealerships (each, a "Dealership") by FNi+ Technologies Inc., or its successor in interest ("FNi+", "we", "us", or "our").

This Privacy Policy explains how we handle personal information collected through the FNi+ platform in respect of Dealership personnel using the platform, and in respect of when a Dealership invites you to complete a credit application or similar workflow. It applies to Dealership personnel (“Personnel”), and to vehicle buyers, co-applicants, and other individuals whose personal information is processed through the platform (each of them, an “Applicant”).

The Dealership is the organization accountable for the personal information collected through the platform under applicable privacy laws. FNi+ acts as a service provider and processor of personal information to the Dealership for the purposes of credit application processing, identity verification, and document handling.

2. Geographic Scope

The FNi+ platform is currently available to Dealerships located in the Canadian provinces of Alberta, British Columbia, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador. The platform is not currently offered to Dealerships or buyers located in Quebec. FNi+ does not represent that the platform meets the requirements of An Act respecting the protection of personal information in the private sector (Quebec, "Law 25"). The platform should not be used for transactions involving Quebec residents or for credit applications completed at Quebec dealerships.

3. Information We Collect

Personnel: We collect the personal information of Personnel necessary to create, manage, secure, and administer Dealership user accounts and provide access to the platform. Categories include:

• Identity and business contact information: Name, business email address, business phone number, job title, Dealership, Organization, and Dealership location or rooftop.
• Account information: Username, user role, permission level, account status, subscription tier association, and administrator or authorized user designations.
• Authentication and security information: Login credentials, authentication tokens, PINs or access codes, IP address, device information, login history, session information, and security event logs.
• Platform usage information: Records of user activity within the platform, including dashboard access, application review activity, user support logs, document generation, electronic signature actions, account configuration changes, and other actions taken through the Dealership account.
• Billing and administrative information: Information relating to the Dealership’s subscription, billing contacts, payment administration, support requests, and communications with FNi+.

Applicants: We collect the personal information necessary to process an Applicant’s credit application and provide the related platform services. Categories include:

• Identity information: Full name, date of birth, marital status, and number of dependants.
• Contact information: Email address, phone number, and residential address.
• Financial information: Employment details, income, housing costs, banking information, and credit history disclosures.
• Sensitive identifiers: Social Insurance Number (SIN), collected solely for credit bureau submission by the Dealership and its lending partners.
• Vehicle and deal information: Vehicle details, deal type, trade-in information, and financing parameters.
• Electronic signature data: Signature image data, IP address, device information, and timestamps captured at the time of signing.
• Behavioural and analytics data: How you interact with the platform, including time spent on each section and product interest signals.

4. How We Use Your Information

We use your personal information for the following purposes:

• Account Administration: Creating, managing, securing, and maintaining Dealership user accounts, user roles, permissions, authentication, subscription access, and support communications.
• Credit application processing: Transmitting your credit application to the Dealership and, on the Dealership's instructions, to lenders and credit bureaus.
• Identity verification: Confirming your identity through SMS verification (PIN delivery) and email-based authentication.
• Dealership communication: Enabling the Dealership's finance team to review and act on your application.
• Service delivery: Providing platform features such as document storage, electronic signature capture, and dealer dashboard functionality.
• Fraud prevention: Detecting and preventing unauthorized access or fraudulent activity.
• Service improvement: Analyzing platform usage, completion patterns, and aggregated or de-identified analytics to maintain, troubleshoot, improve, and develop the platform.

5. Analytics and Platform Improvement

We collect limited information about how Applicants interact with the platform, including step completion timing, section views, scroll activity, time spent on each section, and product category interest selections. This information helps the Dealership prepare for follow-up discussions with Applicants and helps FNi+ maintain, troubleshoot, improve, and develop the platform.

Analytics information is used for operational and service improvement purposes only. It is not used to make, influence, or inform any credit, lending, insurance, or financing decision about an Applicant. FNi+ does not use an Applicant’s name, contact information, Social Insurance Number, banking information, income information, or other directly identifying credit application information for cross-Dealership analytics or model improvement.

Where analytics information is used to improve the platform across Dealerships, it is aggregated or de-identified before use. Aggregated or de-identified information does not identify an individual Applicant and is used to understand general platform usage patterns, completion rates, feature performance, and product category engagement.

Questions about the collection and use of analytics information, or requests to exercise privacy rights available under applicable privacy legislation, may be submitted to support@fniplus.ai.

6. Service Providers and Third Parties

We may share personal information with third-party service providers that help us operate, secure, support, and improve the platform. These service providers may include cloud hosting providers, database and file storage providers, authentication providers, SMS and email delivery providers, electronic signature and document generation providers, error monitoring and security providers, analytics providers, and payment processing providers for Dealership account billing.

We require our service providers to use personal information only for the purposes of providing services to us or the Dealership, and to protect personal information using appropriate contractual, technical, and organizational safeguards.

Where necessary to process a credit application or related workflow, personal information may also be shared with the Dealership, lenders, credit bureaus, financing partners, insurance or F&I product providers, and other parties involved in the vehicle purchase, financing, or related transaction. Those parties may collect, use, disclose, and retain personal information in accordance with their own privacy policies and legal obligations.

A current list of material service provider categories, including information about where personal information may be processed, is available upon written request to support@fniplus.ai.

7. Cross-Border Data Transfers

Your personal information is primarily stored in Canada. Limited processing occurs in the United States through the service providers listed in Section 6. By using the FNi+ platform, you consent to the transfer of certain personal information to the United States for these purposes.

We rely on contractual safeguards with each service provider to ensure that your personal information receives a comparable level of protection to that required under PIPEDA and applicable provincial privacy legislation, in line with the Office of the Privacy Commissioner of Canada's guidelines on transfers for processing.

8. Data Retention

We retain an Applicant’s personal information only for as long as necessary to provide the platform services, complete the purposes described in this Privacy Policy, comply with legal, regulatory, contractual, and audit obligations, resolve disputes, and enforce our agreements.

The following retention periods generally apply:

Requests for deletion of personal information may be submitted to support@fniplus.ai. Deletion requests will be reviewed in accordance with applicable privacy legislation; however, information may be retained where required or permitted by law, including for legal, regulatory, contractual, audit, security, fraud prevention, dispute resolution, or record-keeping purposes.

If your credit application has already been submitted to a Dealership, lender, credit bureau, financing partner, or other third party, those parties may retain your information in accordance with their own privacy policies and legal obligations.

If a Dealership changes or cancels its subscription, we may retain, export, or delete information associated with that Dealership account in accordance with our agreement with the Dealership, this Privacy Policy, and applicable law.

9. Your Rights

Subject to applicable privacy legislation, you have the following rights:

• Right of access: Request a copy of the personal information we hold about you.
• Right of correction: Request corrections to any inaccurate or incomplete personal information.
• Right to withdraw consent: Withdraw your consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions.
• Right to deletion: Request the deletion of your personal information, subject to legal or regulatory retention obligations.
• Right to opt out of analytics: Opt out of cross-Dealership analytics use as described in Section 5.
• Questions or complaints: Submit inquiries or complaints regarding the handling of personal information.

Withdrawing consent or requesting deletion may limit our ability to provide platform services, process a credit application, verify identity, generate documents, or support related transactions.

If personal information has been submitted to a Dealership, lender, credit bureau, financing partner, insurer, F&I product provider, or other third party, those parties may retain and handle that information in accordance with their own privacy policies and legal obligations. Privacy rights requests or inquiries may be submitted to support@fniplus.ai.

10. Security Safeguards

We use reasonable physical, technical, and organizational safeguards designed to protect personal information against unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks.

These safeguards may include encryption of sensitive information, encryption in transit (HTTPS/TLS), access controls, user authentication, role-based permissions, session management, audit logging, security monitoring, multi-tenant data isolation, and administrative controls.

No system is completely secure. We cannot guarantee that personal information will never be accessed, used, or disclosed without authorization, but we take reasonable steps to protect personal information in a manner appropriate to its sensitivity. We review and update these safeguards on a regular basis.

11. Breach Notification

If we become aware of a breach of security safeguards involving personal information, we will take reasonable steps to assess, contain, investigate, and remediate the incident.

Where required by applicable privacy legislation, we will notify affected individuals, the Dealership, applicable privacy regulators, and any other parties required by law. Notices will be provided as soon as feasible or within the timeframe required by applicable law.

We will also maintain records of breaches of security safeguards where required by applicable privacy legislation.

12. Filing a Complaint

If you are not satisfied with our response to a privacy concern, you may file a complaint with the appropriate privacy commissioner:

• Federal: Office of the Privacy Commissioner of Canada (priv.gc.ca)
• Alberta: Office of the Information and Privacy Commissioner of Alberta (oipc.ab.ca)
• British Columbia: Office of the Information and Privacy Commissioner for British Columbia (oipc.bc.ca)

To facilitate timely resolution, privacy concerns should be submitted to support@fniplus.ai in the first instance.

13. Children's Information

The FNi+ platform is not intended for use by individuals under the age of majority in their province or territory of residence. FNi+ does not knowingly collect personal information from individuals below this age. Where FNi+ becomes aware that personal information of an individual below the age of majority has been collected, FNi+ will take reasonable steps to delete such information, subject to applicable law. Privacy inquiries may be submitted to support@fniplus.ai.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in applicable law, our processing practices, or platform functionality. The "Last updated" date at the top of this policy reflects the most recent revision. Material changes will be communicated through the platform or directly to Dealership administrators.

15. Contact

Privacy inquiries

FNi+ Technologies Inc.

Email: support@fniplus.ai

We will acknowledge privacy inquiries and complaints within a reasonable time and will respond to formal requests to access, correct, or delete personal information within the timeframe required by applicable privacy legislation.

YOUR ACCEPTANCE

By clicking "I Agree" below, you confirm that:

• You have read and understood these Terms in their entirety.
• You are at least the age of majority in the province in which you reside.
• You consent to the collection, use, and disclosure of your personal information as described in Section 7 and the terms of the Privacy Policy.
• You expressly consent to the Dealership and its lending partners conducting a hard credit inquiry as described in Section 6.
• You agree to be bound by these Terms effective as of the date and time of your click.

I AGREE THAT:

• ☐ I have read and agree to the Terms of Service.
• ☐ I have read and agree to the Privacy Policy.
• ☐ I consent to a hard credit inquiry being conducted in connection with my credit application.

[I AGREE — SUBMIT MY APPLICATION]

By clicking the button above, you are entering into a legally binding agreement with FNi+ Technologies Inc. and providing your express consent to a hard credit inquiry. If you do not agree, click "Cancel" and do not submit your application.