Terms and Conditions

TERMS AND CONDITIONS

Last updated: October 7, 2026

These Terms and Conditions ("Terms") govern access to and use of MehmiGroup.com, related websites, online forms, portals, communications and commercial financing brokerage services provided by Mehmi Group Corp., doing business as Mehmi Financial Group and Mehmi Group ("Mehmi," "MehmiGroup," "we," "us," or "our").

Please read these Terms carefully before using our Website or requesting Services.

These Terms form part of your agreement with us when they are clearly presented to you and you affirmatively accept them, for example by selecting an agreement checkbox or submitting a form that expressly identifies acceptance of these Terms. Simply visiting this Website does not provide consent to credit checks, marketing, optional cookies or publication of your information.

If you are accepting these Terms on behalf of a corporation, partnership, sole proprietorship or other business entity, you represent and warrant that you have authority to bind that entity.

These Terms do not replace any financing agreement, lease, loan agreement, factoring agreement, merchant agreement, security agreement, personal guarantee, legally required disclosure or other agreement entered into directly with a financing provider.

1. COMMERCIAL SERVICES AND INTERNATIONAL AVAILABILITY

Mehmi provides commercial financing brokerage, referral, application assistance and related services solely in connection with legitimate business and commercial purposes.

Services may include, where legally available:

• equipment financing and leasing;
• commercial vehicle and truck financing;
• business loans and working capital;
• business lines of credit;
• refinancing and sale-leaseback transactions;
• asset-based financing;
• invoice and freight factoring;
• accounts receivable financing;
• sales-based financing or merchant cash advance products;
• vendor and dealer financing programs;
• embedded commercial financing programs; and
• other business-purpose financing products offered by third-party providers.

Mehmi does not provide consumer-purpose financing, payday loans, personal loans, residential mortgages, consumer debt settlement, investment advice, securities advice, legal advice, tax advice, accounting advice or any other service that Mehmi is not legally authorized to provide.

You certify that any financing requested through Mehmi is intended primarily for business or commercial purposes and not primarily for personal, family or household purposes.

2. MEHMI IS A BROKER, NOT A LENDER

Mehmi Group Corp. is a Canada-based commercial financing brokerage and intermediary. Mehmi is not a bank, credit union or direct lender and does not itself fund the financing described on this Website.

Mehmi assists applicants in identifying, presenting and submitting financing opportunities to independent third-party banks, credit unions, finance companies, leasing companies, private lenders, factors, asset-based lenders and other financing providers.

Each financing provider independently determines whether to consider, approve, decline, condition, modify or fund a transaction.

Mehmi does not control a financing provider's underwriting standards, credit decisions, rates, pricing, documentation requirements, funding decisions or timing.

No statement by Mehmi may be interpreted as requiring a third-party financing provider to approve or fund a transaction.

3. OUR ROLE AND THE SCOPE OF OUR SERVICES

Our role is to provide the brokerage, introduction or application-assistance services agreed with you. We do not provide legal, tax, accounting, investment or other professional advice outside that role. Any agency, advisory, fiduciary or other duty depends on the applicable law, the services actually undertaken and any agreement with you; these Terms do not remove a duty that arises on that basis.

Mehmi is not required to search every financing provider or financing product available in the marketplace.

Mehmi does not guarantee that a financing option presented to you is the lowest-cost, lowest-rate, fastest, best or otherwise most favourable financing available.

You should review each financing offer, its total cost, repayment obligations, security and any personal guarantee before deciding whether to proceed. Your review does not remove a disclosure, suitability or other duty that applicable law places on Mehmi or a financing provider.

You may obtain independent legal, accounting, tax or financial advice before entering into any financing transaction.

4. ELIGIBILITY

To use the Services, you must:

1. be at least 18 years old or the age of majority applicable to you;
2. have legal capacity to enter into binding agreements;
3. be acting for a legitimate business or commercial purpose;
4. have authority to provide information concerning the applicable business;
5. have authority to submit the financing request;
6. be located in, or applying on behalf of a business located in, a jurisdiction in which Mehmi is legally permitted to provide the applicable Services; and
7. provide truthful, complete and accurate information.

Mehmi may establish additional eligibility requirements based on jurisdiction, transaction type, requested financing amount, lender requirements or compliance considerations.

5. UNITED STATES JURISDICTIONAL RESTRICTIONS

Mehmi provides U.S. commercial financing brokerage Services only where Mehmi has determined that the applicable activity may lawfully be provided based on the jurisdiction, financing product, transaction structure and Mehmi's licensing, registration, filing or exemption status.

Restricted States

Unless Mehmi confirms in writing that an applicable license, registration, filing, statutory exemption or other legal authorization permits a specific transaction, Mehmi does not accept or broker commercial financing applications involving borrowers or recipients located or principally based in:

California
Illinois
Missouri
Nebraska
North Carolina
North Dakota
Vermont

Submission of an application from a restricted jurisdiction does not create an obligation for Mehmi to process, broker, submit or arrange that application.

Mehmi may immediately decline or close such a file.

Product-Specific Restrictions

Certain states regulate particular commercial financing products more extensively.

Unless Mehmi has obtained any registration required for the transaction or determined that a lawful exemption applies:

Connecticut: Mehmi will not broker commercial financing constituting covered sales-based financing under applicable Connecticut law.

Virginia: Mehmi will not broker covered sales-based financing requiring broker registration under applicable Virginia law.

Texas: Mehmi will not broker covered commercial sales-based financing where registration is required unless Mehmi's required registration is active or Mehmi is otherwise legally permitted to engage in that activity.

Restrictions may apply based on the applicant's state of organization, principal place of business, residence of an individual business owner, location of the financing recipient, collateral location, transaction structure or other jurisdictional connection.

The availability of a webpage, advertisement, article, calculator, application form or financing description in a particular jurisdiction does not mean that Mehmi is legally offering every Service in that jurisdiction.

Mehmi reserves the right to decline any application where providing the requested Service could require a license, registration, filing, bond, authorization or other regulatory status that Mehmi does not possess.

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

6. APPLICATION INFORMATION AND APPLICANT CERTIFICATIONS

When submitting an inquiry or application, you represent and warrant that all information and documents you provide are accurate, current, authentic and complete.

This includes, as applicable:

• legal business name and ownership;
• addresses;
• incorporation or organization information;
• tax identification information;
• financial statements;
• tax returns;
• bank statements;
• invoices and purchase orders;
• equipment details;
• ownership information;
• existing debt;
• accounts receivable information;
• identification documents;
• credit information; and
• information concerning guarantors or principals.

You must promptly inform Mehmi of any material change occurring before funding, including changes in financial condition, ownership, equipment, vendor, purchase price, bank accounts, existing debt, pending insolvency, legal proceedings or other circumstances relevant to underwriting.

Mehmi and financing providers may rely on information supplied by you.

Providing false, altered, fabricated, misleading or materially incomplete information may result in immediate rejection, termination of Services, withdrawal of an approval, cancellation of a transaction, notification to financing providers, or other action permitted or required by law.

7. AUTHORITY TO VERIFY INFORMATION

When you ask us to assess a financing request, you authorise us to verify information you lawfully supply for that purpose, subject to applicable law and any specific notice, permission or separate authorisation required. These Terms alone do not authorise access to a bank account, a consumer credit report or another person's confidential information.

Verification may include confirming information with:

• corporate registries;
• government databases;
• credit reporting agencies;
• financial institutions;
• accountants or bookkeepers where authorized;
• vendors and equipment dealers;
• insurers;
• lien and security registries;
• identity-verification providers;
• bank-verification providers;
• fraud-prevention services;
• public records; and
• other appropriate sources.

Mehmi may require additional documentation or independent verification before continuing to process a file.

8. CREDIT REPORT AUTHORIZATION

A personal consumer credit report will be obtained only where there is a lawful basis and any required authorization has been obtained.

Where you separately provide a Credit Report Authorization, you authorize Mehmi and/or financing providers to whom your application is submitted, as applicable and to the extent permitted by law, to obtain and use business credit reports and personal consumer credit reports for the purpose of evaluating, underwriting, processing or administering the requested commercial financing transaction.

A financing provider may require a hard credit inquiry. A hard inquiry may appear on your credit file and may affect your credit score.

Where Mehmi submits an application to more than one financing provider, more than one financing provider may obtain a separate credit report or make a separate credit inquiry if legally permitted and properly authorized.

Mehmi generally seeks to review an application before unnecessary hard credit inquiries are made, but Mehmi cannot guarantee that a soft inquiry will be available or sufficient for every financing provider.

Submitting an inquiry to Mehmi does not by itself authorize Mehmi to obtain the consumer credit report of another person.

Each individual owner, principal or personal guarantor whose personal credit may be obtained must provide their own authorization where required.

No person submitting an application on behalf of a business represents that they can consent to a personal credit inquiry on behalf of another individual unless applicable law expressly permits such authorization.

9. IDENTITY, ANTI-FRAUD AND COMPLIANCE REVIEW

Mehmi may conduct identity verification, business verification, beneficial ownership review, fraud screening and other compliance checks.

Mehmi does not knowingly assist with fraud, identity theft, money laundering, terrorist financing, document falsification, straw transactions, undisclosed ownership, fraudulent invoices, illegal businesses or transactions prohibited by applicable law.

Mehmi may pause, decline, terminate or refuse to submit any application where information cannot be satisfactorily verified or where Mehmi identifies compliance, fraud, legal, reputational or underwriting concerns.

Where required or permitted by law, information may be disclosed to financing providers, service providers, governmental authorities, regulators or law-enforcement authorities.

We may protect confidential fraud-detection methods and proprietary risk criteria where lawful. This does not remove any obligation to provide reasons, an adverse-action notice, credit-report information, an explanation of automated processing or another notice required by applicable law.

10. NO GUARANTEE OF APPROVAL

Submitting an application does not guarantee:

• approval;
• a financing offer;
• any particular financing amount;
• any particular interest rate or pricing;
• any particular term;
• any particular payment;
• any particular down payment;
• approval without a personal guarantee;
• approval without collateral;
• approval from a particular financing provider; or
• funding.

A financing provider may decline an application for any lawful underwriting reason.

11. PREQUALIFICATIONS, PRE-APPROVALS AND INDICATIVE QUOTES

Any estimate, prequalification, preliminary approval, pre-approval, term indication, payment estimate, rate indication or financing scenario provided before final financing documents are issued is preliminary and non-binding unless a financing provider expressly states otherwise in a legally binding written commitment.

A prequalification or pre-approval may be based on incomplete or unverified information.

It may be modified, suspended or withdrawn based on underwriting, verification, credit results, collateral review, documentation, material changes or other conditions.

A pre-approval is not the same as funding.

Applicants should not enter into irreversible commitments, make non-refundable deposits, purchase equipment or rely on financing being completed solely because Mehmi or a financing provider has communicated a preliminary approval.

12. RATES, PRICING AND COST OF FINANCING

Interest rates, payments, fees, financing charges and other costs are determined by the applicable financing provider and transaction structure.

Rates or payment examples advertised or communicated by Mehmi are illustrative unless expressly identified as final terms contained in binding financing documents.

Pricing may depend on factors including:

• personal and business credit;
• time in business;
• revenue;
• cash flow;
• financial statements;
• banking history;
• collateral;
• equipment type and age;
• loan-to-value;
• down payment;
• industry;
• transaction size;
• term;
• financing provider requirements; and
• prevailing market conditions.

Depending on the product, financing costs may be described using an interest rate, annual percentage rate, annualized rate, factor rate, discount rate, lease factor, fixed payment amount, total financing cost or another pricing measure.

These measures are not necessarily equivalent or directly comparable. A factor rate, lease factor or fixed financing charge is not necessarily an interest rate or annual percentage rate. Review the total repayment amount, payment frequency, fees, security and any early-repayment terms using the disclosures applicable to the product.

You are responsible for reviewing the final financing documents and any legally required transaction-specific disclosures before accepting financing.

The provider's binding financing documents and mandatory disclosures govern its financing agreement with you. If information appears inconsistent, ask for clarification before signing. Those documents do not excuse a misleading statement or remove any responsibility Mehmi has for its own communications.

13. FUNDING TIMELINES

All funding timelines are estimates unless expressly guaranteed in writing by the financing provider.

Any advertised processing or funding time must be read with the conditions stated alongside it. Actual timing depends on the provider, the transaction and completion of required steps. This section does not turn an unsupported or misleading timing claim elsewhere into an accurate one.

Processing or funding may be delayed by:

• incomplete documentation;
• underwriting;
• credit review;
• financial review;
• lender workload;
• bank verification;
• identity verification;
• fraud review;
• insurance;
• appraisal or inspection;
• equipment verification;
• title searches;
• lien searches;
• PPSA or UCC searches or filings;
• documentation corrections;
• vendor issues;
• down-payment verification;
• legal review;
• holidays;
• bank processing;
• wire-transfer delays;
• system outages; or
• matters outside Mehmi's reasonable control.

Unless expressly stated otherwise, any estimated processing period begins only after all requested documents and information have been received in satisfactory form.

Tell us about any purchase, auction or vendor deadline before relying on a proposed financing timetable. We do not undertake to meet a particular deadline unless we expressly agree to it; we remain responsible for any duties arising from our own conduct, an agreement or applicable law.

14. CONDITIONS PRECEDENT TO FUNDING

A credit approval does not constitute a guarantee that funding will occur.

Funding may remain subject to conditions including:

• signed financing documents;
• satisfactory identification;
• satisfactory credit verification;
• business verification;
• financial statements;
• bank statements;
• tax documentation;
• void cheque or banking information;
• pre-authorized debit documentation;
• invoice or bill of sale;
• asset serial number or VIN;
• equipment inspection;
• appraisal;
• title verification;
• lien searches;
• PPSA, RDPRM, UCC or similar security registrations;
• insurance;
• down payment;
• proof of source of funds;
• delivery and acceptance;
• vendor verification;
• personal guarantee documentation; and
• any other condition imposed by the financing provider.

A financing provider may allow an approval to expire or may withdraw an approval before funding where permitted by applicable law and its contractual documentation.

15. PURCHASES, EQUIPMENT, VENDORS AND NON-REFUNDABLE DEPOSITS

Mehmi is not the seller, manufacturer, dealer, inspector or warrantor of equipment, vehicles or other property being financed.

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

• equipment condition;
• mechanical condition;
• suitability;
• merchantability;
• title;
• ownership;
• market value;
• purchase price;
• delivery;
• vendor performance;
• vendor legitimacy; or
• fitness for a particular purpose.

You are responsible for performing appropriate due diligence before purchasing an asset.

Approval of financing does not constitute Mehmi's endorsement of the vendor, seller, equipment, vehicle or purchase price.

Any deposit paid to a vendor or private seller is a matter between you and that seller unless otherwise provided in a separate written agreement.

You may lose a deposit or incur a cancellation, storage, towing or auction charge if financing is not completed. Responsibility for those losses depends on the agreements and applicable law, including whether a loss was caused by Mehmi's own breach, negligence or misleading statement.

Applicants are strongly encouraged to make purchase agreements and deposits conditional on satisfactory financing where possible.

16. PERSONAL GUARANTEES AND SECURITY

A financing provider may require one or more personal guarantees.

A personal guarantee becomes effective only under the applicable financing documents and is not created merely by accepting these Website Terms.

Financing providers may require security interests in equipment, accounts receivable, business assets or other collateral.

Security may be registered under the law applicable to the asset and transaction, including Canadian personal-property security legislation, U.S. Uniform Commercial Code provisions and relevant UK or Australian security-registration requirements. The provider's documents should identify the security and any registration required for your transaction.

You are responsible for reviewing the lender or provider's security documentation before signing.

17. INSURANCE

A financing provider may require insurance before funding and throughout the financing term.

Requirements may include property, casualty, collision, comprehensive, third-party liability, commercial general liability or other coverage.

A financing provider may require that it be named as loss payee, lienholder and/or additional insured.

Failure to obtain or maintain required insurance may prevent funding or constitute a default under financing documents.

Mehmi is not an insurance broker and does not provide insurance advice.

18. MEHMI COMPENSATION AND THIRD-PARTY FEES

Mehmi may receive a commission, referral fee, brokerage compensation or other compensation from a financing provider or other commercial partner in connection with a successfully arranged or funded transaction.

Compensation arrangements can differ by financing provider, product and transaction. A commission may be a fixed amount, a percentage or another agreed method of calculation, depending on the arrangement.

Differences in compensation can create conflicts of interest. We must comply with any duty to disclose and manage those conflicts, including providing the nature, amount or method of calculating compensation when required. Accepting these Terms is not consent to an undisclosed commission or a waiver of a required disclosure.

Mehmi does not charge an upfront application fee to applicants.

A financing provider or other third party may impose administration fees, documentation fees, legal fees, appraisal fees, inspection fees, registration fees, lien-search fees, origination fees, closing fees or other charges.

Any brokerage or service fee payable directly by you to Mehmi must be separately explained and agreed in writing before it is incurred, including when it becomes payable and any applicable cancellation or refund terms. A fee may be charged only where lawful.

Nothing in these Terms waives any disclosure obligation imposed by applicable law.

19. NO BEST-RATE OR WHOLE-OF-MARKET GUARANTEE

Mehmi works with a network of financing providers and commercial partners. That network does not encompass every financing source in Canada, the United States, the United Kingdom or Australia, and the available panel can differ by country, product and applicant.

Mehmi has no obligation to solicit offers from every possible financing provider.

Mehmi does not guarantee that the option presented will be the least expensive financing available from another bank, credit union, lender, lessor, factor, broker or provider.

Applicants remain free to independently compare financing options before signing final documentation.

20. SHARING AN APPLICATION WITH FINANCING PROVIDERS

To assess and progress the financing request you make, Mehmi may disclose relevant application and transaction information to prospective financing providers and necessary service providers, subject to applicable law, the Privacy Policy and any required specific consent. Acceptance of these Terms is not permission to distribute your application for unrelated purposes.

Information disclosed may include business information, financial statements, bank statements, ownership information, credit information where lawfully obtained, requested financing details, equipment information and application documents.

Mehmi may determine which financing providers appear reasonably appropriate based on the information available.

Mehmi is not required to submit a file to every financing provider.

You may withdraw an application or ask us to stop further submissions by contacting us using the details below. We will act on the request as required by applicable law. Withdrawal cannot reverse a disclosure or credit inquiry lawfully completed beforehand and may not require deletion of records that must lawfully be retained; it does not waive your privacy rights.

21. PRIVACY AND CROSS-BORDER DATA PROCESSING

Mehmi collects, uses, stores and discloses personal and business information in accordance with its Privacy Policy and applicable law.

Mehmi is based in Canada and works with financing and technology providers in connection with eligible business inquiries from Canada, the United States, the United Kingdom and Australia. Information may be processed outside the province, state or country where it was collected, subject to applicable transfer requirements and the Privacy Policy.

Information located in another jurisdiction may be subject to lawful access requirements in that jurisdiction.

You should review Mehmi's Privacy Policy before submitting personal or financial information.

22. ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES

We may contact you about the application or Services you request using the contact details you provide, subject to applicable law and your communication choices. Supplying a telephone number or email address does not, by itself, authorise every type of call, text message or marketing communication.

Electronic acceptance, electronic signatures and electronic records may be used to the extent permitted by applicable law.

When you click a button or checkbox stating that you agree to these Terms, your electronic acceptance is intended to have the same legal effect as a handwritten acceptance to the extent permitted by law.

Mehmi may maintain records of acceptance including the date and time, account information, Internet Protocol address, device or browser information, Terms version and other audit information.

Any optional consent requested for promotional emails, calls or text messages is separate from acceptance of these Terms and is not a condition of requesting financing. Marketing messages may be sent only on a lawful basis, with required sender identification and an effective opt-out. Any additional consent required for automated, prerecorded or artificial-voice marketing must be obtained before that activity occurs.

23. CALL RECORDING

Telephone or video communications with Mehmi may be monitored or recorded for training, quality assurance, security, documentation and compliance purposes where permitted by applicable law.

Recording is subject to applicable notice and consent requirements. Where advance notice or affirmative consent is required, recording must not begin until those requirements have been met. Acceptance of these Terms alone does not replace a required recording consent.

24. THIRD-PARTY FINANCING PROVIDERS

Financing providers are independent businesses.

They are not employees, subsidiaries, agents or representatives of Mehmi merely because Mehmi submits an application to them or receives compensation from them.

An independent provider is responsible for its own financing decisions, agreement, servicing and collection activities. Mehmi remains responsible for its own acts, omissions and any duties imposed by law. Referring you to a provider does not remove those responsibilities.

Any dispute concerning the administration, repayment, enforcement or servicing of financing after funding may be governed by your agreement with the applicable financing provider.

25. VENDOR, DEALER, BROKER AND REFERRAL PARTNERS

Mehmi may receive financing requests through equipment vendors, dealers, independent brokers, referral partners, websites or other third parties.

Unless expressly stated in a written agreement, no vendor, dealer, referral partner or independent broker has authority to bind Mehmi, guarantee approval, guarantee a rate, guarantee funding or alter these Terms.

Separate vendor, broker, ISO or referral agreements govern the relationship between Mehmi and such commercial partners.

An independent third party generally cannot change Mehmi's obligations. This does not exclude responsibility for a statement or action we authorised, or for a third party's conduct where the law makes Mehmi responsible for it.

26. WEBSITE CALCULATORS, CONTENT AND EDUCATIONAL MATERIAL

Articles, calculators, payment estimates, rate examples, guides, videos, FAQs, advertisements, social media content and other materials made available by Mehmi are for general informational and educational purposes.

They do not constitute a financing commitment or individualized legal, tax, accounting, investment or financial advice.

Calculator outputs are estimates and may differ materially from actual financing offers.

27. THIRD-PARTY LINKS, TOOLS AND SERVICES

The Website may contain links to or integrations with third-party websites, software, identity services, banking tools, credit services or other platforms.

Mehmi does not guarantee the availability, accuracy or performance of independently operated third-party services. We remain responsible for our own acts and omissions and for any legal duties concerning the selection or use of a service or personal information entrusted to a service provider.

Use of third-party services may be subject to separate terms and privacy policies.

28. INTELLECTUAL PROPERTY

All text, branding, graphics, logos, designs, software, databases and other Website content owned by or licensed to Mehmi are protected by applicable intellectual-property laws.

Except as expressly permitted in writing, you may not copy, reproduce, scrape, republish, distribute, sell, license, modify or commercially exploit Mehmi's proprietary Website content.

29. FEEDBACK, TESTIMONIALS AND USER-SUBMITTED CONTENT

Submitting a financing request, private message, complaint or feedback does not grant permission to publish it. Public use of a testimonial, name, logo, case study or confidential transaction detail requires the relevant permissions and compliance with applicable privacy and advertising law.

If you expressly provide content for publication, you confirm that you have the right to provide it and the permissions needed for the intended use. Any agreed editing must preserve the substance of your statement and must not create a misleading endorsement or result.

Application documents and personal or business financial information are confidential submissions. Their handling and any permitted disclosure are governed by applicable law, the Privacy Policy and any relevant agreement; they are not treated as content submitted for public use.

30. PROHIBITED USE

You may not use the Website or Services to:

• engage in fraud or attempted fraud;
• impersonate another individual or business;
• submit falsified or manipulated documentation;
• conceal beneficial ownership;
• obtain financing for unlawful purposes;
• circumvent geographic restrictions;
• interfere with Website security;
• introduce malware;
• scrape or misuse proprietary data;
• access another user's information without authorization;
• misrepresent a financing approval;
• misrepresent Mehmi as a lender; or
• otherwise violate applicable law.

Mehmi may suspend or terminate access for suspected violations.

31. RIGHT TO REFUSE OR TERMINATE SERVICES

Mehmi may decline, suspend or discontinue Services at any time before funding where reasonably necessary due to:

• credit concerns;
• incomplete documentation;
• unverifiable information;
• suspected fraud;
• compliance concerns;
• lender requirements;
• jurisdictional restrictions;
• legal or regulatory requirements;
• reputational risk;
• abusive or threatening conduct;
• material changes in the transaction; or
• other legitimate business reasons.

Mehmi is not required to accept every application. Any decision to refuse, suspend or stop a file remains subject to applicable law, an existing agreement, fair-treatment duties and any required notices or refunds. Making a lawful complaint or exercising a privacy right is not itself misuse of the Services.

32. NO WARRANTY

Access to the Website is subject to its availability. Our brokerage Services remain subject to the care, skill and other standards required by applicable law and any agreement with you.

Mehmi does not warrant that the Website will be uninterrupted, error-free, completely secure or available at all times.

Mehmi does not warrant that any financing provider will approve or fund an application or that any financing product will remain available.

Nothing in this section excludes a warranty or legal obligation that cannot lawfully be excluded.

33. LIMITATION OF LIABILITY

Where applicable law permits, Mehmi is not responsible for indirect or consequential business loss arising solely from an independent third party's decision or an event beyond Mehmi's reasonable control. This does not exclude direct loss caused by Mehmi's breach of an obligation or its negligence, or responsibility that the law otherwise attributes to Mehmi.

The following events do not, by themselves, establish that Mehmi caused a loss or breached a duty. Responsibility must be assessed on the facts, including any contribution from Mehmi's own acts or omissions:

• an independent financing provider declining or withdrawing financing;
• failure to satisfy financing conditions;
• delays in underwriting or funding;
• credit bureau activity lawfully authorized;
• a vendor's conduct;
• an applicant's inaccurate information;
• bank or payment-system delays;
• third-party system outages;
• events outside Mehmi's reasonable control; or
• the applicant entering into obligations before financing was fully funded.

Responsibility for a loss depends on what caused it and the duties owed under the applicable law and agreement. A loss is not excluded merely because it concerns an application that was declined or a transaction that did not fund.

Each party should take reasonable steps to reduce avoidable losses. Any award, contribution or reimbursement must take account of the parties' respective responsibility to the extent required by applicable law.

The limitations in this section do not apply to liability for fraud, fraudulent misrepresentation, wilful misconduct, gross negligence, breach of applicable data-protection duties, death or personal injury caused by negligence, or any other liability, remedy, service guarantee or right that cannot lawfully be limited. Mandatory consumer or small-business protections may apply according to the circumstances even where financing is requested for business use.

34. RESPONSIBILITY FOR FALSE INFORMATION AND MISUSE

You may be responsible for reasonable, proven loss and third-party claim costs to the extent directly caused by your fraud, deliberate misuse of the Services or material breach of these Terms. Relevant circumstances may include:

1. your material breach of these Terms;
2. false, misleading, fraudulent or unauthorized information supplied by you;
3. documents supplied by you without lawful authority;
4. your unlawful use of the Website or Services;
5. infringement of third-party rights by information or content supplied by you; or
6. a dispute concerning a vendor, seller, asset or transaction for which you are legally responsible.

Responsibility under this section is limited to your contribution to the loss. It does not require you to reimburse losses caused by Mehmi's breach, negligence or misconduct or impose an automatic duty to defend Mehmi. Any claim must be supported by evidence and resolved in accordance with applicable law; you retain the right to dispute liability and the amount claimed.

35. FORCE MAJEURE

Events beyond a party's reasonable control may delay or prevent performance, including severe weather, natural disasters, war, government restrictions or major utility, communications or payment-network outages. Any relief from responsibility depends on the event's actual effect and applicable law. This provision does not excuse a failure to take reasonable precautions, meet applicable security duties or take reasonable steps to reduce the disruption and keep the other party informed.

36. QUEBEC LANGUAGE REQUIREMENTS

Where Québec law requires a French version of these Terms or related standard-form documentation, that version must be supplied at the stage required by law before an agreement can proceed in another language. An English-only acceptance cannot substitute for that requirement.

Where permitted by applicable law, an applicant may expressly request to contract in English after having access to the required French version.

Nothing in these Terms is intended to waive rights concerning contract language that cannot lawfully be waived.

37. REGULATORY AND TRANSACTION-SPECIFIC DISCLOSURES

Laws applicable to transactions in Canada, the United States, the United Kingdom and Australia may require additional product, cost, commission, credit, complaint or other disclosures and notices. Requirements depend on the applicant, location, activity and transaction structure.

These Website Terms do not replace those disclosures.

Where applicable law requires different or additional terms, notices, disclosures, cancellation rights or other protections, the mandatory legal requirement applies notwithstanding these Terms.

No provision of these Terms is intended to waive a statutory right that cannot legally be waived.

38. GOVERNING LAW, COMPLAINTS AND DISPUTES

Subject to mandatory laws that cannot legally be excluded, these Terms and the relationship between you and Mehmi Group Corp. are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.

The courts of Ontario, Canada have jurisdiction to hear disputes concerning these Terms, subject to applicable law. This does not require you to give up a court, tribunal, regulator, ombudsman or other dispute-resolution route available to you under mandatory law.

Questions or complaints about Mehmi's services can be sent to Support@MehmiGroup.com or raised by telephone at 1-833-863-4644, or by post using section 47. Please identify the application or issue and the outcome you are seeking. Do not include passwords or unnecessary financial or identification documents in an initial complaint.

We will consider the complaint and respond in accordance with any applicable complaints-handling requirements. Where a mandatory external complaints scheme applies to the relevant service, the information and access required by that scheme must be provided.

Contacting us first is encouraged so that we can try to resolve the issue, but it is not a condition for making a regulatory complaint or starting a proceeding available under applicable law. These Terms do not require arbitration or waive a right to a jury trial or a class, collective or representative proceeding.

Either party may seek urgent court relief where available. Nothing in these Terms prevents lawful reporting to a regulator or law-enforcement authority, obtaining independent advice or exercising mandatory rights and remedies.

39. SEVERABILITY

If any provision of these Terms is found invalid, illegal or unenforceable, that provision shall be interpreted or modified to the minimum extent necessary to make it enforceable where legally possible.

If modification is not possible, the offending provision shall be severed without affecting the remaining provisions.

40. NO WAIVER

Failure by Mehmi to enforce a provision of these Terms does not constitute a waiver of that provision or any other right.

A waiver is effective only if made in writing by an authorized representative of Mehmi.

41. ASSIGNMENT

You may not transfer or assign your rights under these Terms without Mehmi's prior written consent.

Mehmi may assign these Terms in connection with a corporate reorganization, merger, acquisition, sale of substantially all assets or transfer of the applicable business, subject to applicable law.

42. CHANGES TO THESE TERMS

Mehmi may amend these Terms from time to time to reflect changes in law, Services, technology, products or business practices.

The date at the top identifies this version. A later revision will identify when it takes effect.

Material changes will be brought to your attention and renewed agreement requested where required by law. Posting revised Terms does not by itself establish your agreement to changes affecting an existing transaction.

Changes apply prospectively. The version you accepted continues to govern the relevant application or Services unless you expressly agree to an amendment or a change is required by law. A revision does not remove rights or claims that arose before it took effect.

For financing applications, the version affirmatively accepted in connection with the relevant application may be retained as part of the transaction record.

43. ELECTRONIC RECORD OF ACCEPTANCE

You acknowledge that Mehmi may retain evidence demonstrating acceptance of these Terms, including:

• the Terms version accepted;
• date and time;
• electronic checkbox or acceptance action;
• account or application identifier;
• IP address;
• browser or device information; and
• associated electronic records.

You may save or print a copy of these Terms for your records.

44. SURVIVAL

Rights and obligations that by their nature continue after Services end, including confidentiality, lawful record retention, accrued payment obligations, intellectual property and responsibility for existing claims, continue to the extent permitted by applicable law. This does not extend a record-retention period beyond its lawful purpose or override a statutory time limit.

45. ENTIRE AGREEMENT AND ORDER OF PRECEDENCE

These Terms and any separate agreement expressly accepted by you and Mehmi govern your use of the Website and the agreed brokerage Services. The Privacy Policy explains personal-information handling and applicable choices; it is not blanket consent to every collection, use or disclosure. Nothing in this section excludes responsibility for a misleading statement or a duty imposed by law.

For the actual financing transaction, the financing provider's executed documents and mandatory disclosures govern the legal financing relationship between you and that provider.

If a separate written agreement signed by Mehmi expressly conflicts with these Website Terms, the specific signed agreement controls to the extent of that conflict.

46. WEBSITE AND OFFICE DISCLAIMER

Mehmi's listed locations may include business offices, coworking locations, mailing addresses, virtual-office facilities or appointment-only locations.

A listed office is not necessarily a retail branch or a location staffed for walk-in service.

None of Mehmi's locations should be interpreted as a bank branch or direct-lending branch merely because financing brokerage Services are associated with that address.

47. CONTACT INFORMATION AND COMPLAINTS

Questions about these Terms or complaints about Mehmi's Services may be directed to the contacts below. Privacy questions and requests may be directed through the contact details in our Privacy Policy.

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

48. ACKNOWLEDGEMENT

BY ELECTRONICALLY ACCEPTING THESE TERMS, YOU CONFIRM THAT:

1. you have had an opportunity to read these Terms;
2. you understand that Mehmi is a commercial financing broker and not a direct lender;
3. you understand that financing is subject to independent provider approval and conditions;
4. you understand that quoted rates, payments and funding timelines are not guaranteed unless expressly stated in binding financing documents;
5. you certify that financing requested is for a legitimate commercial or business purpose;
6. you acknowledge the geographic and product-specific restrictions described above;
7. you understand that separate authorization may be required before personal consumer credit reports are obtained; and
8. you agree to be legally bound by these Terms.

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