Effective as of March 16, 2026

Terms and Conditions

Please read these Terms and Conditions carefully before applying for or using any products or services offered by AIKMAC FINANCIAL INC. ("AIKMAC", "we", "us", or "our").

By applying for, obtaining, or using any loan, financing product, or other financial service offered by AIKMAC FINANCIAL INC. (collectively, the "Products"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree with these Terms and Conditions, you must not apply for, obtain, or continue using any of our Products.

We recommend that you print or save a copy of these Terms and Conditions for your records.

Changes to These Terms

AIKMAC FINANCIAL INC. reserves the right to amend or update these Terms and Conditions at any time. Any revisions will become effective upon notice, unless otherwise required by applicable law.

No amendment will impose additional obligations on you concerning actions that occurred before the amendment became effective unless you have expressly agreed to those changes. Where required, we will notify you of material changes through email, your online account, or other appropriate communication methods.

Eligibility

To apply for our Products, you must:

Be at least 18 years of age;
Be employed, self-employed, or operate a registered business;
Provide valid government-issued identification issued by your province or territory of residence;
Meet our verification, and eligibility requirements.

Approval is subject to our underwriting policies and verification procedures.

Use of Our Products

To access certain Products and services, you may be required to create an account with AIKMAC FINANCIAL INC.

You agree to:

Create only one account unless otherwise authorized by us.
Maintain the confidentiality of your username and password.
Be responsible for all activities conducted through your account.
Notify us immediately of any unauthorized access or suspected security breach.

You are responsible for safeguarding your login credentials at all times.

Collection and Use of Personal Information

In order to provide our Products and comply with applicable laws, we collect, use, store, disclose, and process your personal information.

By applying for or using our Products, you consent to the collection, use, disclosure, and retention of your personal information in accordance with our Privacy Statement.

Our Privacy Statement explains:

What personal information we collect.
Why we collect it.
How it is used and protected.
When it may be shared with third parties.
Your rights regarding your personal information.

Accuracy of Information

You agree to provide information that is true, complete, accurate, and current at all times.

You must not:

Provide false or misleading information.
Misrepresent your identity.
Submit fraudulent documentation.
Use another person's identity or financial information.

AIKMAC FINANCIAL INC. may request additional documentation or verification at any time before or after approving your application. We reserve the right to suspend, delay, or decline any application until all requested information has been satisfactorily verified.

You are responsible for keeping your account information current and notifying us promptly of any changes.

Payment Protection Insurance

Payment Protection Insurance (PPI) is an insurance product designed to help maintain your loan repayments if you experience certain unforeseen life events, including eligible illness, accidental injury, disability, or involuntary job loss, subject to the insurer's terms and conditions.

PPI helps to:

Maintain your loan repayments.
Protect your credit history.
Reduce financial stress during unexpected circumstances.
Help avoid default or additional collection costs.

Coverage, eligibility requirements, exclusions, waiting periods, and limitations are governed by the insurance policy and may vary.

Electronic Communications

By applying for or using our Products, you consent to receiving communications electronically.

These communications may include:

Loan agreements.
Account statements.
Payment reminders.
Legal notices.
Privacy updates.
Changes to these Terms and Conditions.
Product information.
Promotional or marketing communications where permitted by law.

Communications may be delivered through:

Email
SMS (Text Message)
Secure Online Account Notifications
Mobile Application Notifications
Our Website

Electronic communications satisfy any legal requirement that such communications be provided in writing.

You are responsible for maintaining current contact information with us.

Limitation of Liability

While AIKMAC FINANCIAL INC. uses commercially reasonable security measures to protect your information, no method of electronic transmission or online storage can be guaranteed to be completely secure.

You acknowledge that transmitting information over public or unsecured networks carries inherent risks.

To the fullest extent permitted by applicable law, AIKMAC FINANCIAL INC., its directors, officers, employees, affiliates, agents, and representatives shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

Unauthorized access to your information.
Service interruptions.
System failures.
Cybersecurity incidents beyond our reasonable control.
Your use of unsecured internet connections or devices.

Nothing in these Terms limits any rights that cannot legally be excluded under applicable Canadian law.

Indemnification

You agree to indemnify, defend, and hold harmless AIKMAC FINANCIAL INC., its affiliates, directors, officers, employees, agents, contractors, successors, and representatives from and against any claims, losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising from:

Your breach of these Terms and Conditions.
Your misuse of our Products or services.
Fraudulent or unlawful activities.
Your violation of any applicable law or regulation.
Your infringement of the rights of another person or entity.

Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the province or territory in which you reside at the time you enter into these Terms and Conditions, together with the applicable federal laws of Canada.

Any dispute arising from or relating to these Terms or the Products shall be subject to the exclusive jurisdiction of the courts of the applicable province or territory and the federal courts of Canada, where applicable.

Contact Information

If you have any questions regarding these Terms and Conditions or any of our Products, please contact AIKMAC FINANCIAL INC. using the contact information provided on our website.