Terms of Service for iLowns (“we”, “us”, “our”)
Last updated: 11-02-2026
These Terms of Service (“Terms”) govern your access to and use of the ilowns.com website (the “Site”) and all related services offered by iLowns. By accessing or using our Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site.
1. Acceptance of Terms
By using our Site, you agree to follow and be legally bound by these Terms and all applicable laws, rules, and regulations. Continued use of the Site constitutes acceptance of changes made to these Terms.
2. Eligibility & Account Requirements
You must be of legal age in your jurisdiction to use our Site. If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
3. Description of Services
iLowns provides information and access to short-term loan services (including loan calculators and application tools). Any actual loan terms, eligibility, fees, interest rates, and conditions are defined in a separate loan agreement provided at the time of application.
4. User Conduct & Restrictions
You agree not to:
Use the Site for unlawful purposes or in violation of any local, national, or international laws.
Interfere with the Site’s operation or security.
Submit false, inaccurate, or fraudulent information.
Attempt to access another user’s account.
5. Intellectual Property
All content on the Site — including text, graphics, logos, and software — is the property of iLowns or its licensors and is protected by applicable intellectual property laws. You may not reproduce, modify, distribute, or use this content without our written permission.
6. Third-Party Links
Our Site may contain links to third-party websites or services that are not owned or controlled by iLowns. We are not responsible for their content, privacy practices, or availability.
7. Disclaimer of Warranties
Your use of the Site is at your own risk. The Site is provided “as is” and “as available” without warranties of any kind — express or implied — including, but not limited to, accuracy, completeness, or fitness for a particular purpose.
8. Limitation of Liability
To the fullest extent permitted by law, iLowns and its affiliates are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or any services offered on it.
9. Termination
We reserve the right to suspend or terminate access to the Site at any time, for any reason, without prior notice. Upon termination, your right to use the Site will immediately cease.
10. Governing Law & Disputes
These Terms are governed by and interpreted under the laws applicable to the jurisdiction where iLowns is established. Any disputes arising from these Terms will be resolved in the appropriate courts within that jurisdiction.
11. Modifications
We may revise these Terms at any time by updating this page with a new “Last Updated” date. Continued use of the Site after changes indicates your acceptance of the updated Terms.
12. Contact Information
If you have questions about these Terms or want to contact us:
Email: info@ilowns.com
Address: 716 RANG ST-PHILOMENE KANEHSATAKE (QC) JON 1E0