Terms & Conditions

Last Updated: Jul 03, 2025

Welcome to Hoam Loans. These Terms & Conditions ("Terms") outline the rules and regulations for using our website, services, and products. By accessing or using our services, you agree to comply with these Terms. If you do not agree, please discontinue the use of our services immediately.

1. Definitions

• "Hoam Loans" refers to our company, its website, services, and products.
• "You" or "User" refers to any individual accessing or using Hoam Loans' services.
• "Services" includes all loan-related products, tools, and features provided by Hoam Loans.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use Hoam Loans' services. By using our services, you confirm that the information provided is accurate and truthful.

3. Use of Services

Hoam Loans grants you a non-exclusive, non-transferable, and limited license to use our services for personal, non-commercial purposes. You agree not to:

• Use our services for any unlawful or fraudulent purposes.
• Misrepresent your identity or financial information.
• Attempt to disrupt or interfere with the proper functioning of our website or services.

4. Loan Applications

By submitting a loan application through Hoam Loans, you agree to:

• Provide accurate, complete, and up-to-date information.
• Allow us to verify your financial details, including credit history and income.
• Comply with additional terms outlined in loan agreements, which will be provided separately.

Approval of loan applications is subject to eligibility, verification, and applicable laws. Hoam Loans reserves the right to deny any application at its sole discretion.

5. Fees and Payments

Hoam Loans may charge fees for certain services, which will be clearly disclosed at the time of use. You are responsible for reviewing and understanding these fees before proceeding. All payments must be made on time and in accordance with the loan agreement terms.

6. Intellectual Property

All content, logos, designs, and materials provided by Hoam Loans are the intellectual property of Hoam Loans and are protected by copyright, trademark, and other applicable laws. You may not copy, distribute, or modify any materials without prior written consent from Hoam Loans.

7. Disclaimer of Warranties

Hoam Loans provides its services on an "as-is" and "as-available" basis. We do not guarantee:

• That our services will meet your expectations or requirements.
• Uninterrupted, error-free operation of our website or services.
• Accuracy, reliability, or completeness of information provided.

Hoam Loans disclaims all warranties, express or implied, to the fullest extent permitted by law.

8. Limitation of Liability

To the maximum extent allowed by law, Hoam Loans shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of or inability to use our services.

9. Termination

Hoam Loans reserves the right to suspend or terminate your access to our services at any time, without notice, for any violation of these Terms or for any other reason at our sole discretion.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Ontario, Canada, without regard to conflict of law principles.

11. Changes to Terms

Hoam Loans reserves the right to update or modify these Terms at any time. Changes will be effective upon posting on our website, and continued use of our services constitutes acceptance of the updated Terms.

12. Contact Us

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

Hoam Loans Customer Support

‍Email: info@hoamloans.com
Phone: +1 416-274-9995
Address: 100 King Street West, Toronto, Ontario M5X 1C7

By using Hoam Loans' services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.