Terms and Conditions

These terms and conditions (the "Terms and Conditions") govern the use of CréditMeubles.com (the "Site"). This site is owned and operated by CréditMeubles.com. This site is a financing services site. It is understood that by using our site, users have read and accepted the following terms and conditions and agree to comply with them at all times.

Intellectual property

All content published and made available on our Site is the property of CréditMeubles.com and the Site's creators. This includes, but is not limited to, images, text, logos, documents, downloadable files and anything that contributes to the composition of our Site.

Accounts

When you use our site to create an account, you agree to the following:

1. You are solely responsible for the security and access of your account. This includes usernames, passwords and any account-related information that would be considered sensitive information;
2. The information you provide through your account is accurate, up to date and truthful. You also agree to update your personal information whenever it changes.

We reserve the right to refuse access to our services if you use our site illegally or if you violate these terms and conditions.

Third-party goods and services

We have binding agreements with third parties used to provide our services through our site. That said, we cannot guarantee the availability, proper functioning and consistent quality of the services made available by third parties on our Site. Events causing a service interruption are particularly rare.

Links to other websites

Our site contains links to third-party websites or services that we do not own or control. We are not responsible for the content, policies or practices of any third-party website or service linked to our site. It is your responsibility to read the terms and conditions and privacy policies of these third-party websites before using them.

Limitation of liability

CréditMeubles.com and our directors, officers, agents, employees, subsidiaries and affiliates will not be liable for any actions, claims, losses, damages, liabilities and expenses, including legal fees, arising from your use of the site.

Indemnity — except where prohibited by law

By using this site, you indemnify and hold harmless CréditMeubles.com and our directors, officers, agents, employees, subsidiaries and affiliates from any actions, claims, losses, damages, liabilities and expenses, including legal fees, arising from your use of our Site or your violation of these Terms and Conditions.

Applicable law

These terms and conditions are governed by the laws of the Province of Quebec.

Severability

If, at any time, any of the provisions set out in these terms and conditions are found to be inconsistent or invalid under applicable laws, those provisions will be deemed void and will be removed from these terms and conditions. All other provisions will not be affected by this removal and the rest of these terms and conditions will still be considered valid.

Changes

These terms and conditions may be amended or modified from time to time in order to comply with the law and to reflect any changes in the way our site is operated and the way users are expected to use and interact with our site. When necessary, we will notify users of changes to these terms and conditions by email or through a notice posted on the site.

Contact details

Please contact us if you have any questions or concerns. Our contact details are as follows: info@creditmeubles.com — Toll-free: 1 844 838-2537. You can also contact us through the contact form available on our site.

Effective date: July 10, 2026.