Last Updated: June 9, 2025
These Terms and Conditions ("Terms") govern your use of the services provided by Lyyvora Inc. ("Lyyvora," "we," "our," or "us"). By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, do not use our services.
Lyyvora is a Canadian-based commercial loan brokerage platform that connects healthcare clinics and licensed lenders. We do not lend our own capital, collect payments, or provide financial advice. All lending decisions are made solely by third-party capital providers.
To use our services, you must:
We reserve the right to decline service to any applicant for any reason consistent with applicable law.
Submitting an application does not guarantee you will receive loan offers. We only present offers from capital providers that, in our sole discretion, are suitable based on the information you provide.
By using our services, you agree to:
You are solely responsible for reviewing and accepting any loan terms presented by a third-party lender.
Lyyvora is compensated only by the lender, and only if you accept a loan offer and it is funded. We do not charge borrowers any upfront or success fees.
Your use of the services is subject to our Privacy Policy, which outlines how we collect, use, and protect your information. By using our services, you consent to the data practices described therein.
All content and technology on the Lyyvora website (text, branding, logos, graphics, and software) is the property of Lyyvora or its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or exploit any content without our prior written consent.
Lyyvora is not liable for:
To the maximum extent permitted by law, our total liability for any claim related to the services is limited to CAD $100.
You agree to indemnify and hold Lyyvora and its officers, directors, and employees harmless from any claims, damages, or liabilities resulting from your violation of these Terms or misuse of the services.
These Terms are governed by the laws of the Province of Alberta, Canada, without regard to its conflict of laws principles. Any disputes will be resolved exclusively in the courts located in Calgary, Alberta.
We may update these Terms periodically. Your continued use of the services after changes become effective constitutes your acceptance of the revised Terms. The “Last Updated” date at the top indicates the most recent changes.
Last Updated: June 9, 2025
Lyyvora Inc. ("Lyyvora," "we," "our," or "us") is committed to earning and keeping your trust. We build technology that connects healthcare clinics with reputable capital providers, and we protect the information that makes those connections possible.
We do not work with advertising networks, and we never sell or rent personal data.
This Privacy Policy explains how we collect, use, disclose, and protect personal information when you:
Lyyvora maintains a strict internal maximum APR of 29.9 % for any financing we broker to Alberta sole‑proprietor clinics. We automatically decline any offer that:
Because we block such offers, Lyvora is not classified as a High‑Cost Credit Business, and the statutory two‑day cancellation right does not arise.
If you ever receive documentation showing an APR above our 29.9 % ceiling, notify us immediately and we will withdraw the referral.
We do not use personal information for behavioural advertising.
We disclose personal information only:
We do not sell, rent, or otherwise monetise personal information.
We use a small number of first‑party cookies and privacy‑focused analytics tools to understand aggregate site usage and improve performance. You can disable non‑essential cookies in your browser without affecting core borrowing activities.
We employ administrative, technical, and physical safeguards—including encryption in transit and at rest, least‑privilege access controls, and continuous monitoring—to protect your information. No system is 100 % secure, but we work continually to mitigate risk.
We retain personal information only as long as needed for the purposes above, to comply with law, and to resolve disputes. De‑identified data may be kept indefinitely.
Lyyvora is headquartered in Canada and may store data in Canada or the United States. We rely on contractual safeguards and vetted vendors to protect information transferred across borders.
Our Services are not directed to individuals under 18. We do not knowingly collect personal information from children.
We will post any revisions here and update the "Last Updated" date. Material changes will be highlighted or communicated directly when required by law.
Last Updated: June 9, 2025
This notice explains how Lyyvora Inc. ("Lyyvora," "we," "us") operates as an independent commercial‑loan broker and how that differs from the Privacy Policy you just reviewed.
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Under Alberta’s Consumer Protection Act, any financing with an effective annual percentage rate (APR) of 32% or more is considered high-cost credit. Lyvora maintains a strict policy to not broker any offers that are at or near this threshold for sole-proprietor clinics.
As a result:
If any lender proposes terms that approach or exceed this threshold, Lyvora will immediately withdraw the offer and notify you.
Lyyvora implements robust cybersecurity measures across all systems. All data transmissions are protected using TLS 1.3 end-to-end encryption. Our platform is hosted on ISO 27001-certified Canadian data centres, with strict access controls in place, including multi-factor authentication and least-privilege identity and access management (IAM). We conduct annual independent penetration tests to assess and strengthen security. Our infrastructure and practices are fully aligned with the CIS Controls v8 cybersecurity framework.
Lyyvora is not a FINTRAC reporting entity because we do not handle client funds. When identity verification is required, we act as agent for the chosen lender, who retains AML/KYC reporting duties.
Effective January 1 , 2025, loans to individuals (e.g., sole‑proprietor clinics) must not exceed a 35 % effective APR. Lyvora will only present offers that comply with this federal cap.
Content on this site is informational only. Lyvora does not provide financial, legal, accounting, or tax advice. Always consult qualified professionals before accepting any offer.
Lyyvora Inc.
📧 compliance@lyvora.com
📞 +1‑403‑XXX‑XXXX
