For purposes of these Terms:

• "Platform" means the MonsterAuto.ca website, mobile application, and all related services.
• "Dealer Partner" means a licensed Canadian automobile dealer who lists vehicles on our Platform.
• "Buyer" or "you" means a consumer purchasing a vehicle through the Platform.
• "Service Fees" means any fees charged directly by MonsterAuto.ca for Platform usage, facilitation services, or subscriptions (excluding amounts paid to Dealer Partners or third-party lenders).
• "Purchase Agreement" means the contract of sale between Buyer and Dealer Partner.
• "Entirely Online" means that all interactions between the Buyer and MonsterAuto.ca occur through digital means (website, mobile app, email, electronic signatures). Any in-person activities, such as vehicle inspection, reconditioning, delivery, or final handover, are conducted directly between the Buyer and the Dealer Partner, not MonsterAuto.ca.

Welcome to MonsterAuto.ca ("MonsterAuto.ca", "we", "our", or "us"). We operate an online platform that allows licensed Canadian automobile dealers ("Dealer Partners") to list vehicles and enables consumers ("Buyers", "you") to purchase those vehicles entirely online.

"Entirely online" means that all your interactions with MonsterAuto.ca—browsing vehicles, submitting applications, signing documents, and making payments—are conducted digitally through our Platform. Any in-person activities (such as vehicle inspection, reconditioning, delivery, or final handover) are handled directly by the Dealer Partner, not by MonsterAuto.ca.

By accessing or using our website, mobile application, or any related services (collectively, the "Platform"), you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the Platform.

Each party has distinct roles and responsibilities:

Each purchase forms a direct legal contract between the Buyer and the Dealer Partner. MonsterAuto.ca is not a party to that contract.

To use the Platform, you must:

• Be at least 18 years old
• Hold a valid driver's licence
• Reside in Canada

You agree to provide accurate and complete information and to use the Platform only for lawful purposes. We may suspend or terminate access for fraudulent or abusive activity.

Vehicle data, photos, and prices are supplied by Dealer Partners. We make reasonable efforts to maintain accuracy but do not guarantee error-free listings. All prices are in Canadian dollars unless stated otherwise and may change at any time.

No Reliance: You acknowledge that MonsterAuto.ca does not verify, guarantee, or warrant the accuracy of any vehicle description, specification, history, or condition provided by Dealer Partners. Any representations about a vehicle are made solely by the Dealer Partner, not by MonsterAuto.ca.

MonsterAuto.ca:

• Does not inspect, test, or warrant any vehicle
• Does not provide or imply any warranty, express or implied, regarding vehicle condition, merchantability, or fitness for purpose
• Does not transfer title or register vehicles

Any manufacturer warranty, statutory warranty, or extended warranty coverage applies solely between the Buyer and the relevant warrantor (typically the Dealer Partner or warranty provider). MonsterAuto.ca is not responsible for mechanical defects, vehicle history discrepancies, or post-sale service issues.

For questions about your vehicle's warranty coverage or to initiate a warranty claim, please refer to your Purchase Agreement and contact your selling Dealer Partner directly, or visit our Warranty Support page for guidance on how we can assist you through the process.

Return, exchange, cancellation, warranty, repair, and post-sale support options vary by vehicle, dealer, province, manufacturer, and protection plan provider. Unless expressly stated in the final purchase documents for a specific vehicle, MonsterAuto.ca does not provide a return, exchange, or warranty program. The selling dealer remains responsible for any dealer-provided policy, warranty, disclosure, or post-sale obligation.

If a participating dealer offers an exchange or return policy on a specific vehicle, it will be disclosed in the vehicle listing or final purchase documents and is attributed solely to that dealer or provider. MonsterAuto.ca does not administer, guarantee, or assume financial responsibility for any dealer-provided exchange or return policy.

Online trade-in values are estimates only. Final offers, inspections, lien payouts, and transfers are managed directly by the Dealer Partner. MonsterAuto.ca is not a party to the trade-in transaction and is not responsible for any difference between online estimates and final valuations, for outstanding loan obligations, or for undisclosed liens or encumbrances on trade-in vehicles.

When you submit a payment through our Platform, we use a two-step authorization process to protect both you and our dealer partners:

When the Authorization Hold is Released

The temporary hold is automatically released (typically within 5-7 business days, depending on your bank) if:

• Your financing application is declined or not approved
• The Dealer Partner voids the deal (e.g., pricing error, trade-in valuation discrepancy, vehicle no longer available)
• You cancel your reservation within 24 hours of placing the authorization
• The vehicle becomes unavailable before the Purchase Agreement is signed
• You decline to proceed with the purchase after reviewing final terms

After Conversion to Deposit

Once the authorization converts to a deposit, it becomes non-refundable, except as expressly permitted by:

• The Purchase Agreement signed with your Dealer Partner
• Applicable provincial consumer protection law
• Any dealer-provided exchange or return policy expressly stated in your final purchase documents
• Dealer Partner default or insolvency (as described in Section 14)

MonsterAuto.ca's Role

MonsterAuto.ca facilitates the authorization and deposit process but does not hold funds directly. All payments are processed through Stripe, and deposits (once converted) may be held in escrow or released to the Dealer Partner as specified during checkout.

Important: In the event the Dealer Partner becomes insolvent, ceases operations, or refuses to honor a refund, MonsterAuto.ca may assist in facilitating resolution but is under no obligation to provide refunds or compensation from its own funds.

MonsterAuto may require a refundable reservation hold to confirm buyer intent, prevent fraud, and enable access to certain platform features, including financing applications, identity verification, and checkout workflows.

The reservation hold is collected by MonsterAuto for platform reservation and verification services only. It is not payment for a vehicle, does not constitute a dealer deposit, and does not transfer ownership or obligate either party to complete a vehicle purchase.

If a vehicle purchase is completed, the reservation hold is credited toward the transaction. If the transaction does not proceed, the reservation hold is refunded in accordance with the applicable cancellation terms.

MonsterAuto does not sell vehicles, does not act as a motor vehicle dealer or broker, and does not process vehicle purchase payments on behalf of dealers.

Payments are processed securely through third-party providers such as Stripe. MonsterAuto.ca never stores full credit-card information.

Financing applications submitted through the Platform are transmitted to independent lenders. We are not a lender, do not approve or set loan terms, and are not liable for financing decisions, loan defaults, or repayment obligations. Failure to secure financing does not obligate MonsterAuto.ca to provide refunds or alternative arrangements.

Dealer Partners handle all physical preparation, inspection, detailing, and delivery. Delivery timelines shown on the Platform are estimates provided by the Dealer Partner and are not guaranteed by MonsterAuto.ca.

Title and registration transfer occur directly between the Dealer Partner and the Buyer upon delivery or as provincial law requires. You are responsible for all applicable provincial taxes, registration fees, and licensing costs.

You agree that any documents delivered in electronic form, including purchase agreements, bills of sale, declarations, or releases, are valid, binding, and enforceable under Canadian law. You waive any right to challenge such documents on the basis that they are not in writing or signed in ink.

MonsterAuto.ca is entitled to retain, produce, and rely on electronic records of transactions, and you waive any right to demand paper originals unless required by applicable law.

In the event a Dealer Partner becomes insolvent, ceases business operations, or otherwise fails to perform its obligations after you have placed a deposit or entered into a Purchase Agreement:

• MonsterAuto.ca is not liable for the Dealer Partner's non-performance
• Your recourse lies against the Dealer Partner, not MonsterAuto.ca
• MonsterAuto.ca may, at its sole discretion, assist in coordinating refunds if funds are held in escrow, but assumes no obligation to do so
• MonsterAuto.ca is not responsible for any losses, damages, or alternative arrangements

Neither MonsterAuto.ca nor any Dealer Partner shall be liable for delay or failure in performing obligations under these Terms to the extent caused by events beyond reasonable control, including:

• Acts of God, natural disasters, pandemics, or public health emergencies
• Government orders, regulations, or restrictions
• Labour disputes, strikes, or lockouts
• System outages, cyberattacks, or third-party service failures
• War, terrorism, or civil unrest

In such cases, performance shall be suspended for the duration of the event. If the event continues for more than 30 days, either party may terminate the affected transaction without penalty.

You agree to indemnify, defend, and hold harmless MonsterAuto.ca and its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from:

• Your breach of these Terms
• Your violation of any law or regulation
• Your misuse of the Platform
• Any fraudulent or inaccurate information you provide
• Any dispute between you and a Dealer Partner or third party

Individual Disputes: You agree that any dispute arising out of or relating to these Terms shall be resolved individually and not on a class, consolidated, or representative basis, except where such waiver is prohibited by applicable law.

Mediation: Before initiating any legal proceedings, you agree to attempt to resolve disputes through good-faith mediation or negotiation for a period of 30 days.

Note: This class action waiver may not be enforceable in all Canadian provinces. If you reside in a jurisdiction where such waivers are prohibited, this clause shall not apply to you.

Your personal information is collected and used in accordance with our Privacy Policy. By using the Platform, you consent to such collection, use, and disclosure as described in the Privacy Policy.

These Terms 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.

Consumer Protection Supremacy: To the extent that mandatory consumer protection provisions in your home province require otherwise, those provisions shall prevail over conflicting terms. Nothing in these Terms shall be construed to limit or waive rights that cannot be excluded under applicable provincial or federal consumer protection legislation.

Disputes shall be resolved in the courts of Ontario, unless your provincial law requires disputes to be resolved in your home province, in which case that requirement shall prevail.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

These Terms, together with our Privacy Policy and any additional terms referenced herein, constitute the entire agreement between you and MonsterAuto.ca regarding use of the Platform and supersede all prior agreements, understandings, and representations.

No prior oral or written statements, promises, or representations shall be binding unless explicitly included in these Terms or in the Purchase Agreement with your Dealer Partner.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. MonsterAuto.ca may assign or transfer its rights and obligations under these Terms to any affiliate or successor entity without your consent, including in connection with a merger, acquisition, or sale of assets.

Any notices required or permitted under these Terms shall be delivered to:

• MonsterAuto.ca: contact@monsterauto.ca
• You: The email address associated with your account

Notices shall be deemed delivered when sent via email or 3 business days after mailing via registered post.

We may update these Terms from time to time to reflect changes in our business practices, legal requirements, or regulatory guidance. The latest version will be posted on MonsterAuto.ca with an updated effective date.

Material changes will be communicated via email or prominent notice on the Platform at least 30 days before taking effect. Continued use of the Platform after changes become effective constitutes acceptance of the updated Terms.

Headings and section titles in these Terms are for convenience only and shall not affect interpretation. Unless the context requires otherwise, words in the singular include the plural and vice versa.

In the event of any ambiguity, these Terms shall not be construed against the drafting party, and shall be interpreted in a manner consistent with applicable consumer protection principles.

MonsterAuto.ca maintains archived versions of these Terms for a minimum of 2 years to demonstrate compliance history and notice practices. If you need access to a previous version of these Terms, contact us at contact@monsterauto.ca.