Disclaimer

DISCLAIMER

Last Updated: October 7, 2026

1. GENERAL DISCLAIMER

This Disclaimer explains the scope and limitations of information and commercial-financing brokerage services provided by Mehmi Group Corp., doing business as Mehmi Financial Group ("Mehmi," "we," "us," or "our"), through MehmiGroup.com and our related applications, portals, calculators, articles and communications.

While Mehmi makes reasonable efforts to provide useful and current information, information may be incomplete, inaccurate, outdated or subject to change.

Nothing on this Website constitutes a guarantee, commitment, approval or binding offer of financing.

Use of the Website is also subject to Mehmi's Terms and Conditions and Privacy Policy.

Mandatory law and required statutory disclosures take priority. A financing provider's executed agreement governs its financing relationship with you; our applicable accepted Terms and any separately agreed engagement govern our services. These documents do not excuse misleading statements or override rights that cannot legally be waived.

2. MEHMI IS A COMMERCIAL FINANCING BROKER, NOT A LENDER

Mehmi Group Corp. is a commercial financing brokerage and intermediary based in Mississauga, Ontario, Canada, operating as Mehmi Financial Group. Mehmi is not a bank, credit union or direct lender and does not itself make a financing provider's final credit or funding decision.

Mehmi helps businesses identify and pursue potential financing through independent third-party banks, credit unions, equipment finance companies, leasing companies, factors, asset-based lenders, private lenders, commercial-financing providers and other financing sources.

Mehmi may assist with products such as:

• equipment financing and leasing;
• commercial vehicle and truck financing;
• business loans;
• working capital;
• business lines of credit;
• factoring and receivables financing;
• refinancing and sale-leaseback transactions;
• asset-based financing;
• vendor and dealer financing;
• embedded business financing; and
• other commercial financing products where legally available.

Every financing provider establishes its own underwriting criteria, credit requirements, pricing, documentation requirements, conditions and funding decisions.

Mehmi cannot require a financing provider to approve or fund an application.

3. BUSINESS AND COMMERCIAL PURPOSES ONLY

Mehmi's financing brokerage services are intended for legitimate business and commercial purposes.

Mehmi does not offer consumer-purpose personal loans, residential mortgages, payday loans or other consumer financing unless expressly stated and legally authorized.

Information available on the Website should not be interpreted as an offer to provide consumer credit.

4. COUNTRIES SERVED AND UNITED STATES RESTRICTIONS

Mehmi serves eligible business clients in Canada, the United States, the United Kingdom and Australia, subject to applicable law, provider availability and transaction-specific eligibility. The Website may also be accessible from other locations.

The ability to access a webpage from a jurisdiction does not mean that Mehmi offers every financing service in that jurisdiction or is licensed, registered or otherwise authorized to conduct every form of financing activity there.

Mehmi provides U.S. commercial-financing brokerage services only where the applicable activity may lawfully be provided based on the transaction, financing product, borrower location, lender, compensation arrangement and Mehmi's applicable licensing, registration, filing or exemption status.

As a conservative business restriction, unless Mehmi has confirmed that an applicable authorization or exemption permits a particular transaction, Mehmi does not accept general commercial loan-broker applications involving borrowers principally located in:

California
Illinois
Missouri
Nebraska
North Carolina
North Dakota
Vermont

Additional product-specific restrictions may apply.

Unless Mehmi has obtained the required registration or confirmed that a lawful exemption applies, Mehmi does not broker covered sales-based financing transactions requiring broker registration in jurisdictions including:

Connecticut
Virginia
Texas

These restrictions may change as applicable laws, regulations, exemptions, registrations and Mehmi's regulatory status change.

Mehmi reserves the right to decline or discontinue a request where Mehmi determines that processing or brokering the transaction could require a license, registration, filing, authorization, bond or other regulatory status that Mehmi does not possess.

The complete jurisdictional provisions applicable to Mehmi's services are contained in our Terms and Conditions.

5. NO OFFER OR SOLICITATION WHERE PROHIBITED

Website content is not intended to constitute an offer, solicitation or advertisement for a regulated financial service in a jurisdiction where such activity would be unlawful.

The existence of a blog post, location page, educational article, equipment page or search-engine result mentioning a country, city, province, territory, state or region does not by itself establish that Mehmi currently offers every service described there.

Actual availability must be determined based on the applicable transaction and law.

6. NO PROFESSIONAL ADVICE

The Website's general educational content is not a substitute for legal, tax, accounting, investment or other professional advice tailored to your circumstances.

Our representatives may explain commercial-financing options and assist with applications. This does not replace your own professional advisers or remove duties arising from the services we actually provide.

You are responsible for evaluating whether a financing transaction is appropriate for your business.

You should obtain independent professional advice where appropriate before signing legally binding financing documents.

7. NO GUARANTEE OF APPROVAL

Submitting an inquiry or application does not guarantee:

• approval;
• pre-approval;
• a financing offer;
• a particular financing amount;
• a particular rate;
• a particular payment;
• a particular term;
• a particular down payment;
• financing without collateral;
• financing without a personal guarantee;
• acceptance by a particular financing provider; or
• funding.

A financing provider may approve, decline, modify, condition or withdraw a financing request based on its independent underwriting criteria and applicable law.

Past approvals involving other applicants do not indicate that your application will receive the same result.

8. PREQUALIFICATIONS AND PRE-APPROVALS

Any prequalification, preliminary approval, conditional approval, term indication, rate indication, financing scenario or similar communication is preliminary unless the applicable financing provider expressly states otherwise in binding written documentation.

A preliminary approval may be based on incomplete or unverified information.

It may change or be withdrawn because of:

• credit results;
• bank-statement review;
• financial information;
• identity verification;
• fraud or compliance review;
• equipment or collateral verification;
• appraisal or inspection;
• vendor verification;
• lien or title searches;
• changes in financial condition;
• lender policy;
• documentation;
• insurance;
• down payment;
• expiry of the approval; or
• other underwriting conditions.

An approval or pre-approval is not the same as funding.

Do not make a financial commitment solely because a preliminary approval has been communicated.

9. INTEREST RATES, PAYMENTS AND FINANCING COSTS

Any rate, payment, pricing example or financing cost displayed on the Website or communicated before final underwriting is illustrative or conditional unless expressly confirmed in binding financing documents.

Actual pricing may depend on factors including credit profile, business history, revenue, cash flow, banking history, transaction size, equipment, collateral, loan-to-value, down payment, industry, term, lender requirements and market conditions.

Commercial-financing products may express their cost differently.

For example, a financing product may use:

• an annual interest rate;
• APR where applicable;
• factor rate;
• discount rate;
• lease factor;
• fixed financing charge;
• total repayment amount; or
• another method.

These measures are not necessarily equivalent or directly comparable.

Applicants are responsible for reviewing the financing provider's final documentation and legally required disclosures before accepting an offer.

A financing provider's executed documents and mandatory disclosures govern its financing agreement. If a Website estimate or quotation differs from those documents, request clarification before signing. This does not remove rights arising from a misleading representation or other unlawful conduct.

10. "STARTING AT," "AS LOW AS" AND EXAMPLE RATES

Where the Website uses phrases such as "rates starting at," "as low as," "from" or similar terminology, such rates apply only to qualifying transactions and applicants that satisfy the applicable financing provider's requirements.

Not every applicant will qualify for an advertised example or minimum rate.

Actual pricing may be materially higher.

No advertised example constitutes a promise that a particular applicant will receive that rate.

11. FUNDING AND APPROVAL TIMES

Any processing or funding timeframe communicated by Mehmi is an estimate unless an authorised financing provider has made an enforceable commitment.

Mehmi does not guarantee same-day approval, approval within 24 hours, funding within 24–48 hours, or funding by a purchase deadline.

References to fast or quick service do not mean that required underwriting, verification or documentation can be bypassed.

Timing depends on the application, the parties involved and the relevant provider and banking processes.

Delays may result from underwriting, missing documents, lender workload, identity verification, fraud review, bank verification, equipment inspection, appraisal, lien searches, title issues, insurance, vendor documentation, down-payment requirements, legal review, weekends, holidays, banking systems, wire transfers or other conditions.

Estimated periods, where given, depend on complete and satisfactory information and any conditions stated with the estimate. They do not promise a fixed funding date.

Submitting an enquiry does not commit Mehmi to meet an auction, purchase or other commercial deadline. Tell us about material deadlines before relying on an estimate. Any agreed obligation and responsibility for our own conduct remain subject to applicable law.

12. HARD AND SOFT CREDIT INQUIRIES

Merely submitting a Website form or financing application does not, by itself, constitute blanket authorization for Mehmi to obtain the personal consumer credit report of every individual associated with the applicant business.

Where personal consumer credit information is required, Mehmi may request a separate Credit Report Authorization.

A hard credit inquiry may appear on an individual's credit file and may affect their credit score.

Where legally permitted and properly authorized, one or more financing providers receiving an application may conduct separate credit inquiries.

Mehmi generally seeks to review files before unnecessary hard inquiries are made, but a soft credit inquiry is not available or sufficient in every transaction.

Each individual whose personal consumer credit may be accessed must provide the authorization required by applicable law.

Credit information may be obtained only for a legally permitted purpose and with any notice, permission or authorisation required for the jurisdiction and individual concerned. This Disclaimer does not supply a missing lawful purpose or replace a required credit authorisation.

13. FINANCING PROVIDERS ARE INDEPENDENT

Financing providers introduced through Mehmi are independent businesses.

Unless expressly stated otherwise, they are not subsidiaries, employees, partners or agents of Mehmi.

Each financing provider is responsible for its own:

• underwriting decision;
• approval or decline;
• pricing;
• documentation;
• servicing;
• collections;
• payment processing;
• security enforcement;
• customer service; or
• performance of its financing agreement,

subject to its agreements and applicable law. Mehmi does not control those independent functions, but remains responsible where its own representations, acts or omissions caused or contributed to loss, or where law imposes responsibility for another person's conduct.

After funding, the financing relationship will generally be governed by the applicant's agreement with the applicable financing provider.

14. LENDER AND PROVIDER NETWORK

References to a "lender network," "financing network," "funding partners" or similar terms mean that Mehmi has relationships or access to financing sources that may potentially consider commercial transactions.

They do not mean that every financing provider is available for every applicant or transaction.

Our network does not include every financing source or product available in Canada, the United States, the United Kingdom or Australia.

Our service considers a selected network of providers. It is not a comparison of the whole market, and the providers considered for a particular enquiry depend on its circumstances and lawful availability.

15. NO BEST-RATE GUARANTEE

Mehmi does not guarantee that a financing option identified through Mehmi will be the lowest-cost, lowest-rate, fastest or otherwise most favourable financing available in the marketplace.

Other lenders, banks, credit unions, brokers or financing sources may offer different terms.

Applicants may independently compare financing options before executing financing documents.

16. BROKER COMPENSATION

Mehmi may receive commissions, referral compensation, brokerage compensation or other remuneration from financing providers or business partners in connection with successfully arranged transactions.

The type and amount of compensation may differ by provider, product, transaction and referral arrangement.

These compensation arrangements may create a potential conflict of interest. Provider-paid compensation does not mean that a transaction has no costs, that every provider pays the same amount, or that applying through another channel would have the same pricing.

Any fee payable directly by you to Mehmi must be disclosed and agreed separately before you incur it, including the amount or calculation method, when it becomes payable and any applicable cancellation or refund terms. Fees are charged only where lawful.

17. NO UPFRONT APPLICATION FEE

Under Mehmi's current business model, Mehmi does not charge applicants an upfront fee simply to submit a financing application.

This does not mean the underlying transaction will be free of fees.

Independent financing providers and third parties may charge lawful fees including documentation, registration, appraisal, legal, origination, administration, inspection, lien-search, closing or other transaction expenses.

Applicable costs should be reviewed in the financing provider's final documentation.

18. PAYMENT CALCULATORS

Any payment calculator, affordability calculator, rate calculator, amortization calculator or similar tool available through Mehmi is provided for illustrative purposes only.

Calculator outputs depend on the information entered and assumptions used.

They may not account for all fees, taxes, residual values, advance payments, irregular payment structures, lender charges, legal expenses or other transaction costs.

A calculator result:

• is not a financing offer;
• is not an approval;
• is not a guaranteed payment;
• does not reserve a rate;
• does not guarantee eligibility; and
• does not obligate any financing provider.

19. EQUIPMENT, VEHICLES AND COLLATERAL

Mehmi is generally not the seller, manufacturer, distributor, dealer, inspector, mechanic or warrantor of equipment or vehicles financed through its network.

Unless expressly agreed otherwise in writing, Mehmi does not independently guarantee:

• condition;
• mechanical soundness;
• quality;
• suitability;
• merchantability;
• fitness for a particular purpose;
• market value;
• title;
• ownership;
• mileage;
• operating hours;
• serial-number accuracy;
• delivery;
• seller performance; or
• future resale value.

Applicants should independently inspect and verify equipment before completing a purchase.

A financing approval does not constitute Mehmi's endorsement of the asset or seller.

20. DEALERS, PRIVATE SELLERS AND VENDORS

Mehmi may assist with transactions involving equipment dealerships, manufacturers, vendors or private sellers.

Unless expressly stated otherwise, those sellers are independent third parties.

Mehmi does not guarantee that a seller will perform its obligations.

Applicants should independently verify the seller, asset, title, purchase agreement and other transaction details.

21. DEPOSITS AND PURCHASE COMMITMENTS

Do not assume that financing will be funded merely because an application is pending, prequalified or conditionally approved.

Where possible, applicants should make purchase agreements and deposits conditional upon satisfactory financing.

Mehmi does not agree to reimburse deposits, cancellation penalties or other purchase costs merely because an application is submitted or referred. Responsibility for a loss depends on the agreed obligations, the parties' conduct and applicable law.

22. PERSONAL GUARANTEES AND SECURITY

A financing provider may require a personal guarantee, lien, security interest or other collateral.

Nothing on the Website constitutes a representation that financing will be available without such security.

A personal guarantee is created by the applicable signed financing or guarantee documentation, not merely by browsing Mehmi's Website.

Applicants should review all security and guarantee obligations before signing.

23. FINANCIAL INFORMATION IS NOT AUDITED BY MEHMI

Mehmi may review financial statements, bank statements, tax information, invoices and other documents to help prepare or evaluate a financing submission.

Unless expressly stated in writing, Mehmi does not audit, certify or independently attest to the accuracy of an applicant's accounting records or financial statements.

Mehmi may rely on documents and representations supplied by applicants, accountants, brokers, vendors and other sources.

Mehmi may request additional verification at any time.

24. FRAUD, DOCUMENT VERIFICATION AND COMPLIANCE

Mehmi may use manual and automated processes to identify inconsistencies, altered documents, identity concerns, suspicious activity or other risks.

Mehmi may decline, suspend or terminate a financing request where information cannot be satisfactorily verified or where compliance, fraud, legal, credit or reputational concerns arise.

Closing or declining a file because of risk concerns is not necessarily an accusation that the applicant committed fraud or other wrongdoing.

Mehmi is not required to disclose proprietary fraud-detection rules, internal scoring, financing-provider criteria or confidential compliance procedures except where disclosure is legally required.

25. ARTIFICIAL INTELLIGENCE AND AUTOMATED TOOLS

Mehmi may use artificial-intelligence-assisted or automated technology to support activities such as:

• extracting information from documents;
• identifying missing information;
• preparing internal summaries;
• identifying inconsistencies;
• organizing files;
• supporting fraud or compliance review;
• categorizing financing requests; and
• identifying potential financing-provider matches.

Automated output may contain errors and is not a guarantee of accuracy, eligibility or approval.

An AI-generated or automated lender match is not a lender's approval and does not bind a financing provider.

Final financing decisions remain subject to the applicable provider's underwriting process.

26. BLOGS AND EDUCATIONAL CONTENT

Articles, FAQs, guides, videos, social-media posts, newsletters, industry commentary and educational material are intended to provide general information.

They may not reflect your particular circumstances.

Financing laws, lender policies, tax provisions, equipment values, market conditions and financing products can change.

Publication dates should be considered when relying on older material.

Mehmi may update, remove or replace Website content without notice.

Educational content is not a substitute for final lender documentation or appropriate professional advice.

27. COUNTRY, STATE, PROVINCE AND CITY CONTENT

Mehmi may publish educational content concerning financing markets in particular countries, states, provinces, territories, regions or cities.

Such content does not represent that every product described is available in that jurisdiction.

Regulatory requirements and provider availability may differ by jurisdiction and transaction type.

Users should confirm current availability directly with Mehmi before relying on geographic Website content.

28. SEO, SEARCH-ENGINE AND AI ANSWER RESULTS

Search engines, artificial-intelligence systems, third-party directories and other platforms may summarize, excerpt, modify, cache or display information from Mehmi's Website.

Mehmi does not control how independent search engines or third-party AI systems describe Mehmi or its services.

Independent third-party summaries can contain errors. Check the current source and contact us about a material discrepancy. We remain responsible for content we publish, supply, endorse or are otherwise legally responsible for.

Users should rely on Mehmi's current Website and applicable written financing documentation for current information.

29. TESTIMONIALS, REVIEWS AND CASE STUDIES

Testimonials, reviews, case studies, transaction examples and success stories describe individual circumstances.

They do not guarantee comparable results.

Financing outcomes vary based on credit, financial condition, transaction structure, collateral, lender criteria, timing and other circumstances.

Hypothetical or illustrative scenarios must be clearly identified and must not be presented as genuine client reviews or completed financing transactions.

Reviews, testimonials and performance claims must be truthful and appropriately supported. Any editing, selection, incentive or commercial relationship must not create a misleading impression. Disclosures required by applicable law must appear with the relevant review or claim.

30. THIRD-PARTY LOGOS AND NAMES

The Website may identify or reference banks, credit unions, finance companies, equipment manufacturers, software companies or other third parties.

Third-party names and trademarks identify their owners. Any stated affiliation or endorsement must accurately describe the relationship. A logo does not guarantee financing or a provider's performance, and this Disclaimer does not excuse a misleading presentation of a third-party relationship.

All third-party trademarks remain the property of their respective owners.

31. THIRD-PARTY WEBSITES AND SERVICES

The Website may contain links to or integrations with third-party websites, software, calculators, financial institutions, credit services, identity-verification tools or other services.

Independent third-party services have their own content, terms and privacy practices. We do not guarantee their availability or performance. This does not exclude responsibilities arising from our selection or use of a provider, our disclosure of information, or applicable law.

Use of those services may be governed by separate terms and privacy policies.

32. EMAILS, TEXTS AND VERBAL COMMUNICATIONS

Communications from Mehmi may provide information, request documents or relay a financing provider's decision. A preliminary discussion or estimate is not, by itself, a funding commitment. The legal effect of a communication depends on its content, the sender's authority and applicable law.

Financing-provider documentation, legally required disclosures and signed transaction documents govern the actual financing agreement.

Informal discussions do not automatically vary an executed agreement. This does not exclude duties or liability arising from an authorised representation, a valid later agreement or applicable law.

33. ERRORS AND CORRECTIONS

Typographical errors, outdated information, incorrect calculations, broken links or other inaccuracies may occasionally appear.

Mehmi reserves the right to correct such information when identified.

The presence of an error does not require a financing provider to honour inaccurate Website information where doing so would conflict with the provider's actual offer or applicable law.

Nothing in this section limits rights that cannot legally be waived.

34. MARKET AND LENDER CHANGES

Commercial financing products can change without notice.

Financing providers may modify:

• rates;
• credit requirements;
• industries served;
• minimum or maximum transaction sizes;
• equipment restrictions;
• geographic eligibility;
• advance rates;
• collateral requirements;
• documentation requirements; and
• available programs.

Information previously published by Mehmi may therefore cease to reflect current provider requirements.

35. NO GUARANTEE OF WEBSITE AVAILABILITY

Mehmi does not guarantee uninterrupted or error-free operation of the Website, portals or electronic application systems.

Technical outages, maintenance, internet failures, cybersecurity events or third-party service disruptions may occur.

Applicants with time-sensitive transactions should not rely solely on Website availability.

36. SECURITY

Mehmi maintains safeguards designed to protect information as described in its Privacy Policy.

However, no internet transmission, email system or electronic-storage environment can be guaranteed absolutely secure.

Users should avoid transmitting passwords, online-banking credentials or other information that Mehmi has not requested.

37. NO INVESTMENT OR SECURITIES SERVICES

References to financing, capital, business growth, return on equipment or similar business concepts should not be interpreted as investment advice or as an offer, recommendation or solicitation concerning securities.

Mehmi's commercial financing brokerage services should not be confused with securities brokerage, portfolio management or investment advisory services.

38. WEBSITE ADVERTISING AND DISCLOSURES

A disclaimer does not override an otherwise inaccurate or misleading Website statement.

Material qualifications should appear clearly near the claim they qualify and must not contradict that claim.

Our advertising in Canada, the United States, the United Kingdom and Australia must accurately describe approval conditions, costs, timing, provider-network size and service availability. Claims must have appropriate support. A disclaimer or link to legal terms does not cure a misleading overall impression.

If a headline and its qualification appear inconsistent, ask us to clarify before relying on the claim. This does not transfer our responsibility for accurate advertising to you.

39. LIMITATION OF LIABILITY

Any applicable contractual limits on liability are set out in the accepted Terms and any separately agreed engagement, subject to mandatory law and enforceability requirements.

General information, examples and preliminary estimates do not guarantee a financing outcome. Responsibility for a loss depends on the relevant obligations, the parties' conduct and applicable law; this Disclaimer does not create a blanket exclusion for Website-related losses.

Nothing in this Disclaimer excludes liability for fraud, fraudulent misrepresentation, wilful misconduct, or any duty, remedy or liability that applicable law does not permit to be excluded or restricted. Applicable consumer, small-business, privacy and financial-services protections continue to apply.

40. INDEMNIFICATION

This Disclaimer does not create an indemnity. Any applicable indemnity associated with use of the Website or our services is set out in the relevant accepted agreement and remains subject to applicable law.

No provision in this Disclaimer requires you to reimburse or indemnify us for loss to the extent caused by our own negligence, breach of duty, misleading conduct or other unlawful act, or where requiring an indemnity would be unlawful.

41. NO WAIVER OF MANDATORY RIGHTS

Nothing in this Disclaimer is intended to waive, restrict or eliminate a legal right, disclosure requirement, remedy or obligation that applicable law makes mandatory or non-waivable.

Where applicable law conflicts with this Disclaimer, applicable law controls. You retain any right to complain to a regulator or use a court, tribunal or external dispute-resolution service that has jurisdiction over the matter.

42. TERMS, PRIVACY AND CREDIT AUTHORIZATION

This Disclaimer should be read together with:

Mehmi Financial Group Terms and Conditions
Mehmi Financial Group Privacy Policy
Any applicable Credit Report Authorization
Any transaction-specific financing-provider disclosures or agreements

Acceptance of the Privacy Policy or this Disclaimer is not a substitute for a separate consumer-credit authorization where one is legally required.

43. GOVERNING LAW

Subject to mandatory laws that cannot legally be excluded, this Disclaimer and use of Mehmi's Website are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any applicable dispute-resolution provisions are set out in the accepted Terms. A choice of Ontario law or forum does not remove mandatory protections or access to another court, tribunal or regulator where applicable law preserves that access.

44. CHANGES TO THIS DISCLAIMER

Mehmi may revise this Disclaimer to reflect changes in its Website, services, financing products, jurisdictions, regulations or business practices.

The current version will display its last-updated date.

Material contractual changes affecting a user who has previously accepted Mehmi's Terms will be handled in accordance with the amendment provisions contained in those Terms and applicable law.

45. CONTACT INFORMATION

Questions concerning this Disclaimer may be directed to:

Mehmi Financial Group
Mehmi Group Corp.
77 City Centre Drive, Suite 501
Mississauga, Ontario L5B 1M5
Canada

Telephone: 1-833-863-4644
Email: Support@MehmiGroup.com
Website: MehmiGroup.com

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