Terms of Service

Capital City Finance Centre is a Canadian financing brokerage that connects applicants with auto loan and repair financing solutions. We are not a direct lender; we facilitate financing arrangements between applicants and third-party lending partners.

To use our services, you must:

• Be at least 18 years of age (or the age of majority in your province)
• Be a Canadian resident
• Have a valid Canadian Social Insurance Number (SIN)
• Provide accurate, complete, and truthful information in all applications and communications

Submitting an application does not guarantee approval or any specific financing terms. All financing is subject to credit approval by our lending partners. We reserve the right to decline any application without obligation to provide a reason.

You agree that all information provided in your application is accurate and complete. Providing false or misleading information may result in immediate cancellation of any financing arrangement and may constitute fraud under applicable law.

By submitting an application, you authorize Capital City Finance Centre and its lending partners to obtain credit reports and verify the information you have provided.

Capital City Finance Centre makes no representation or warranty that financing will be approved, or that any particular interest rate, term, or payment amount will be available to you. All rates and terms are subject to lender approval and may change without notice.

We may charge administrative fees (such as documentation fees) in connection with financing arrangements. All applicable fees will be disclosed to you before you enter into any financing agreement. You are under no obligation to proceed if you do not agree to the disclosed fees.

Where financing is provided in connection with an auto repair loan, Capital City Finance Centre (operating as a trade name of SHKC Capital Inc.) will register a security interest against the financed vehicle under the Personal Property Security Act, R.S.B.C. 1996, c. 359 ("PPSA") or the applicable personal property security legislation of your province. This lien will remain registered until the loan is paid in full.

By accepting repair financing, you acknowledge and agree that:

• A lien will be placed on the vehicle described in your financing agreement as security for repayment of the loan;
• You will not sell, transfer, encumber, or otherwise dispose of the vehicle without the prior written consent of Capital City Finance Centre while any balance remains outstanding;
• You will maintain the vehicle in good repair and carry adequate insurance coverage naming Capital City Finance Centre as loss payee for the duration of the loan term;
• The security interest will be discharged and the lien released only upon receipt of full payment of all amounts owing under the financing agreement.

You will be in default under your financing agreement if you:

• Fail to make any scheduled payment when due;
• Provide false, misleading, or incomplete information in your application or any related document;
• Sell, transfer, or encumber the vehicle without authorization;
• Allow the vehicle to be seized, impounded, or subject to another creditor's claim;
• Fail to maintain required insurance on the vehicle; or
• Become insolvent, make an assignment in bankruptcy, or have a receiver appointed over your assets.

Upon default, Capital City Finance Centre reserves the right, without further notice except as required by applicable law, to:

• Declare the entire outstanding balance of the loan immediately due and payable;
• Repossess the vehicle without prior notice, to the extent permitted under the PPSA and applicable BC law;
• Sell or otherwise dispose of the repossessed vehicle in a commercially reasonable manner, either by public auction or private sale;
• Apply the net proceeds of any sale to the outstanding balance, after deducting all reasonable costs of repossession, storage, repair, and sale;
• Pursue you for any deficiency balance remaining after the proceeds of sale have been applied — you remain personally liable for any shortfall; and
• Report the default to credit bureaus, which may negatively affect your credit rating.

You agree to cooperate fully with any repossession and to surrender the vehicle and all keys, documents, and accessories upon demand. Failure to surrender the vehicle may constitute an offence under applicable law and may result in civil or criminal proceedings.

Any surplus remaining after the outstanding balance and all costs have been satisfied will be returned to you in accordance with the PPSA.

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not:

• Use the Site in any way that violates applicable federal, provincial, or local laws
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Transmit any unsolicited or unauthorized advertising or promotional material
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
• Use automated tools to scrape, crawl, or extract data from the Site

All content on the Site — including text, graphics, logos, and software — is the property of Capital City Finance Centre or its licensors and is protected by Canadian and international intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

The Site may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

The Site and all information, content, and services provided through it are offered on an "as is" and "as available" basis, without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

To the fullest extent permitted by applicable law, Capital City Finance Centre and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising out of or related to these Terms or our services shall not exceed the amount of fees, if any, paid by you to us in the three (3) months preceding the claim.

You agree to indemnify, defend, and hold harmless Capital City Finance Centre and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your provision of false or misleading information.

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our practices.

These Terms are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. The effective date at the top of this page will reflect the most recent revision. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms.

If you have any questions about these Terms, please contact us: