Introduction and Acceptance
Welcome to Mehmi Financial Group, legally registered as Mehmi Group Corp. ("MehmiGroup," "we," "us," "our"). These Terms and Conditions ("Terms") outline the rules and regulations governing your use of the MehmiGroup.com website ("Website") and the commercial financing services ("Services") we offer.
By accessing or using our Website and Services, you agree to comply with these Terms fully. If you disagree with any portion of these Terms, you must immediately cease using our Website and Services.
1. Eligibility and User Conduct
To use our Services, you must be at least 18 years old, a Canadian resident or incorporated Canadian business, and legally capable of entering binding contracts. By accessing our Website, you represent and warrant that you meet these eligibility criteria.
You agree to use our Website and Services solely for lawful purposes. Unauthorized uses include, but are not limited to: attempting unauthorized access, introducing malicious software, interfering with our Website's functionality, or engaging in fraudulent activity.
2. Description of Services
Mehmi Financial Group provides various commercial financing solutions, including equipment financing, vehicle financing and leasing, business loans, working capital, refinancing, sale-leaseback, invoice and freight factoring, merchant cash advances, asset-based lending, and vendor financing programs. These Services are subject to approval by MehmiGroup and third-party lending institutions.
MehmiGroup acts as a financing broker and intermediary. We do not fund transactions directly. We assist clients in identifying, structuring, and securing financing solutions through our network of 10+ institutional and private lenders across Canada. Final financing terms, interest rates, fees, and conditions are set by the lending institution, not by MehmiGroup.
3. Application and Approval Process
All financing applications are subject to verification, due diligence, and credit approval by MehmiGroup and our lending partners. Submitting an application does not guarantee approval or specific financing terms. Interest rates, terms, fees, and conditions are established upon formal credit evaluation and written confirmation from our lending partners.
You agree to provide accurate, truthful, and complete information during the application process. Providing false, misleading, or incomplete information may result in rejection, termination of services, clawback of funds, or legal consequences under applicable Canadian law.
By submitting a financing application, you expressly authorize MehmiGroup and our lending partners to conduct a hard credit inquiry on your personal and/or business credit file as part of the credit evaluation process. A hard credit inquiry may affect your credit score. Hard credit checks are performed by our lending partners through credit bureaus including Equifax and/or TransUnion. MehmiGroup does not perform soft credit checks in place of hard checks where a lending institution requires a full credit pull for underwriting purposes.
Pre-approvals and indicative quotes provided by MehmiGroup are estimates only and are not binding commitments to lend. Final approval is subject to full underwriting, documentation review, asset verification, and lender confirmation.
4. Conditions Precedent and Funding Requirements
A credit approval does not constitute a guarantee of funding. All financing transactions are subject to conditions precedent that must be satisfied before funds are advanced by the lending institution. These conditions may include but are not limited to:
Failure to satisfy conditions precedent within the required timeframe may result in the approval expiring or being withdrawn by the lending institution.
5. Personal Guarantees and Collateral
Certain financing transactions may require a personal guarantee from one or more principals of the borrowing business. Personal guarantees are determined at the discretion of the lending institution based on credit profile, deal size, time in business, and asset type. By signing a personal guarantee, the guarantor agrees to be personally liable for the financing obligations of the business in the event of default.
Security may be registered against the financed equipment and, in some cases, against other business or personal assets as required by the lender. In Ontario and most Canadian provinces, security interests are registered under the Personal Property Security Act (PPSA) or equivalent provincial legislation.
6. Fees and Costs
Financing transactions arranged through MehmiGroup may be subject to fees charged by the lending institution. These may include administration fees, documentation fees, PPSA registration fees, appraisal or inspection fees, and broker fees where applicable. Fee amounts vary by lender, deal size, transaction type, and credit profile. All applicable fees will be disclosed prior to execution of financing documents.
MehmiGroup may receive compensation from lending institutions in connection with successfully funded transactions. This compensation does not increase the cost of financing to the client. MehmiGroup does not charge upfront application fees.
7. Insurance Requirements
All financed assets must be insured at the time of funding and maintained with adequate coverage throughout the financing term. Insurance requirements are set by the lending institution and typically include comprehensive and collision coverage, third-party liability, and in some cases commercial general liability. The lending institution must be named as loss payee and additional insured on the policy. Failure to maintain required insurance throughout the term of the financing agreement may constitute a default under the financing contract.
8. Intellectual Property Rights
All content, including text, images, logos, graphics, designs, software, and other materials on our Website, are owned or licensed by MehmiGroup and protected by intellectual property laws. You may not copy, distribute, reproduce, sell, or commercially exploit any content from our Website without obtaining explicit written permission from MehmiGroup.
9. User-Generated Content and Feedback
By submitting feedback, testimonials, reviews, or other content to us via forms, emails, social media, or any communication method, you grant MehmiGroup a non-exclusive, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, adapt, publish, and display your submissions in any media.
You confirm that your submissions will not infringe upon the rights of third parties, contain defamatory or unlawful materials, or otherwise violate applicable laws.
10. Third-Party Links and Tools
Our Website may include links to third-party websites, tools, or services. MehmiGroup does not endorse, control, or assume responsibility for any third-party content or services. Accessing third-party links is at your own risk. You are encouraged to read and understand third-party terms and policies before using their services.
11. Privacy and Data Protection
We collect, process, and protect personal information in accordance with our detailed Privacy Policy. By using our Website and Services, you consent to the collection, processing, storage, and disclosure of your personal data as outlined in our Privacy Policy. Personal and business financial information shared during the application process may be shared with our lending partners for the purpose of evaluating and processing your financing request.
12. Financial Disclaimers
Information presented on MehmiGroup.com is intended solely for general informational and illustrative purposes. It should not be interpreted as professional financial, legal, or tax advice. Payment estimates, rate ranges, and approval timelines presented on our Website are indicative only and do not constitute a binding offer or guarantee of financing terms.
We recommend consulting our licensed financing professionals directly for advice tailored to your specific circumstances. MehmiGroup explicitly disclaims liability for decisions made based solely on the informational content provided on the Website.
13. Indemnification
You agree to indemnify, defend, and hold harmless MehmiGroup and its affiliates, directors, officers, employees, agents, and lending partners from and against any claims, liabilities, damages, losses, costs, or expenses — including reasonable legal fees — arising out of or in connection with your use of the Website or Services, your breach of these Terms, your provision of false or misleading information, or your violation of any applicable law or regulation.
14. Limitation of Liability
MehmiGroup and its affiliates, directors, officers, employees, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access, use, or inability to use our Website or Services, or from any financing decision made by a lending institution.
We make no representations or warranties regarding uninterrupted availability, security, or accuracy of our Website and Services. You expressly acknowledge and agree that your use of our Website and Services is at your sole risk.
15. Termination of Use
We reserve the right, at our sole discretion, to suspend or terminate your access to the Website and Services without notice if you violate these Terms or engage in any conduct harmful to MehmiGroup, our clients, or third parties.
Upon termination, you must cease using our Website immediately, and all provisions regarding intellectual property rights, indemnification, disclaimers, and limitations of liability shall survive termination.
16. Severability Clause
If any provision of these Terms is determined to be invalid, unlawful, or unenforceable by a competent jurisdiction, such provision will be modified or severed to the minimum extent necessary, and all other provisions shall remain valid and enforceable.
17. Changes to Terms and Conditions
We reserve the right to revise, update, or modify these Terms at any time without prior notice. Updated versions will be posted on this page, marked by a new effective date. Continued use of our Website following any changes constitutes your acceptance of the revised Terms. You are encouraged to periodically review this page for any updates.
18. Governing Law and Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws of the Province of Ontario, Canada, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our Website or Services will be subject to the exclusive jurisdiction of the courts located in Ontario.
19. Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and MehmiGroup regarding your use of our Website and Services, superseding any prior or contemporaneous agreements or understandings, whether written or oral.
20. Website, Virtual Office & Business Financing Disclaimer
Mehmi Group provides business equipment financing and leasing brokerage services for commercial clients in Canada. We do not provide consumer financing, personal loans, payday loans, residential mortgages, consumer debt settlement, investment advice, legal advice, tax advice, accounting advice, or any service that we are not legally permitted to offer.
All information on this website, including articles, calculators, advertisements, emails, social media posts, and other marketing materials, is provided for general educational and informational purposes only. It should not be relied upon as financial, legal, tax, accounting, or professional advice. Any financing decision should be reviewed with your own qualified advisor before you proceed.
All financing is subject to lender approval, underwriting, credit review, asset review, documentation, and applicable laws. Approval, payment terms, rates, down payment requirements, and funding timelines are not guaranteed and may vary based on the applicant, lender, equipment, industry, credit profile, and transaction details.
Mehmi Group’s listed office locations may include virtual offices, mailing addresses, coworking locations, or appointment-only business addresses. These locations are not retail branches and may not be staffed for walk-in service. Client meetings are handled by appointment, phone, email, video call, or other approved communication methods.
Mehmi Group does not knowingly assist with fraud, misrepresentation, money laundering, terrorist financing, identity misuse, document falsification, straw purchases, illegal business activity, or any transaction prohibited by Canadian law. We reserve the right to refuse, cancel, or report any application or transaction that appears suspicious, misleading, unlawful, or non-compliant.
By using this website or submitting an inquiry, you understand that you are requesting commercial financing information only and that no lender-client, advisory, fiduciary, legal, or professional relationship is created by viewing this website or submitting a form.
21. Contact Information
For questions, concerns, or clarifications regarding these Terms and Conditions, please reach out to us:
Mehmi Financial GroupEmail: [email protected]Phone: +1 (437) 777-5901Address: Suite 501, 77 City Centre Drive, Mississauga, ON L5B 1M5, Canada
By continuing to use MehmiGroup.com, you confirm that you have read, understood, and accepted these Terms and Conditions fully and without reservation.
Thank you for choosing Mehmi Financial Group. We are committed to supporting your business's growth and success.
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