Effective Date: October 16, 2025

1. Introduction

Welcome to the website of Loanova Financial Inc. (“Loanova,” “we,” “us,” or “our”). By accessing or using this website (the “Site”), you agree to be bound by these Terms of Use and all applicable laws. If you do not agree, please discontinue use of the Site immediately.

Regulatory Notice: Loanova Financial Inc. has applied for registration with the Financial

Services Regulatory Authority of Ontario (FSRA) as a mortgage brokerage and administrator. Registration is pending as of October 2025.
Until registration is approved, Loanova does not offer, solicit, or arrange mortgage loans or investment products. All information provided on this Site is for informational and pre-launch purposes only.

2. Purpose of the Site

This Site serves as an informational and early-access platform allowing users to:
• Learn about Loanova’s upcoming financial-technology services.

• Join a waitlist to receive updates or invitations once the platform launches.
• Participate in market research or surveys to help improve Loanova’s future services.

No feature on this Site constitutes financial advice, credit approval, or an offer to enter into any mortgage, loan, or investment contract.

3. Eligibility

You must be at least 18 years of age and a resident of Canada to submit information through our forms or join the waitlist. By providing your details, you confirm that all information you submit is accurate and complete.

4. No Financial Advice or Solicitation

The content on this Site is for general informational purposes only and should not be construed as:

• Mortgage, investment, or financial advice;

• An offer or solicitation to buy, sell, or participate in any financial product;

• A commitment or guarantee of future approval, funding, or returns.

You should consult a licensed financial advisor or mortgage professional before making financial decisions.

5. Intellectual Property

All trademarks, logos, designs, text, graphics, and other materials displayed on this Site are the exclusive property of Loanova Financial Inc. or its licensors. You may not copy, reproduce, distribute, or modify any content without our prior written consent.

6. User Conduct

When using this Site, you agree not to:

• Submit false, misleading, or incomplete information;
• Attempt to access non-public areas or disrupt Site functionality;
• Use automated means (bots, scrapers) to collect data;

• Use the Site for unlawful, defamatory, or fraudulent purposes.

Loanova reserves the right to restrict or terminate access if these Terms are violated.

7. Third-Party Services

Our Site may include links or integrations with third-party tools and services such as Klaviyo, Typeform, Framer, and analytics providers. Loanova is not responsible for the privacy practices or content of external sites. Your interactions with third-party services are governed by their own terms and policies.

8. Disclaimer of Warranties

The Site and all materials are provided on an “as is” and “as available” basis. Loanova makes no warranties or representations, express or implied, regarding the Site’s accuracy, completeness, or suitability for any purpose.

Loanova does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Loanova Financial Inc., its officers, directors, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from:

• Your use of or inability to use the Site;

• Any inaccuracies or omissions in the information presented;

• Unauthorized access to or alteration of your submissions.

10. Indemnification

You agree to indemnify and hold harmless Loanova Financial Inc. and its affiliates from any claim or demand (including reasonable legal fees) arising from your use of the Site or breach of these Terms.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the applicable laws of Canada, without regard to conflict-of-law principles. Any disputes shall be resolved in the courts located in Toronto, Ontario.

12. Changes to These Terms

Loanova may revise these Terms of Use from time to time. Updated versions will be posted on this page with the new effective date. Continued use of the Site after such changes constitutes acceptance of the revised Terms.

13. Contact Us

For questions about these Terms or any regulatory matters, please contact:

Loanova Financial Inc.
Email: legal@loanova.ca
Toronto, Ontario, Canada