Terms of Service

Effective Date: 15 September 2025

Welcome to Western Commercial Finance ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website https://www.wcfinance.ca, our financial services, and our SMS communication program. By accessing or using our website or services, you agree to these Terms.

1. Use of Services

Our services are intended for Canadian individuals and businesses seeking commercial loans, equipment financing, or working capital solutions.

You agree to:

  • Provide accurate, current, and complete information when applying for financing or submitting inquiries.
  • Use our services only for lawful purposes and not to misrepresent your financial status or business intent.

Misuse of our services, including fraudulent applications or false information, is strictly prohibited.

2. SMS Communications & Consent

By opting in through our website, loan application forms, or social media lead forms (e.g., Facebook Lead Ads), you consent to receive text messages from Western Commercial Finance.

These may include:

  • Loan application updates
  • Account status notifications
  • Promotional offers and financing programs
  • Customer support messages

Message frequency may vary based on your interaction.

Message and data rates may apply.

You can reply STOP to unsubscribe at any time or HELP for assistance.

3. Financing Terms & Disclosures

All loan offers are subject to approval based on creditworthiness and business verification.

  • Interest rates, repayment terms, and fees will be disclosed before funding.
  • Submitting an application does not guarantee approval or funding.
  • We may verify your information with third-party credit bureaus or financial partners.

4. Payment & Cancellations

If your loan or financing agreement includes recurring payments, details will be outlined in your contract.

Cancellations or early terminations are subject to the specific loan agreement terms.

Refunds (if applicable) will be processed in accordance with those contractual provisions.

5. Limitation of Liability

We are not responsible for any financial losses or business interruptions resulting from:

  • Application denials
  • Delays in funding
  • Third-party partner actions
  • Events beyond our control (e.g., system outages, force majeure)

Our liability is limited to the extent permitted by law and shall not exceed the amount of fees paid (if any) for the affected service.

6. Intellectual Property

All content on wcfinance.ca, including text, branding, images, and design elements, is the property of Western Commercial Finance and may not be reproduced or used without written permission.

7. Changes to Terms

We may update these Terms periodically to reflect operational, legal, or regulatory changes. Updates will be posted on our website with a revised effective date. Continued use of our services after such updates constitutes acceptance of the new Terms.

8. Contact Us

For questions about these Terms or our Privacy Policy, please contact:

📞 +1 (587) 800-2033
📧 info@wcfinance.ca
📍 Calgary, Alberta, Canada