Terms of Service

1. Service Overview

24/7 E-transfer Loans Canada is a referral and information service that connects borrowers across Canada with licensed payday lenders and alternative credit providers. We are not a lender ourselves. We do not originate loans, make lending decisions, or hold your funds. Our role is to provide information about lending options and facilitate introductions between you and our partner lenders who are licensed to operate in your province.

By using our platform, you acknowledge that you understand this distinction and that any loan you obtain will be directly between you and the lender, not with 24/7 E-transfer Loans Canada.

2. Eligibility and Age Requirements

To use our service, you must be:

• At least 18 years of age (or the age of majority in your province).
• A resident of Canada.
• Able to provide accurate personal and financial information.

You are responsible for ensuring that your use of our service complies with all applicable federal, provincial, and local laws. We reserve the right to refuse service to anyone who does not meet these requirements or who violates these terms.

3. Accuracy of Information

You agree to provide truthful, accurate, and complete information when submitting an application through our platform. Providing false, misleading, or incomplete information may result in:

• Rejection of your application by our lending partners.
• Termination of your access to our service.
• Legal action by lenders or regulatory authorities.

You are solely responsible for maintaining the accuracy of your contact details and notifying us of any changes.

4. Referral Process and Lender Partnerships

When you submit an application through 24/7 E-transfer Loans Canada, we share your information with one or more of our licensed lending partners. Each lender will review your application independently and make their own lending decision. Submission of your information to our platform does not guarantee approval, nor does it obligate any lender to offer you credit.

Our lending partners operate under their own terms and conditions, which will be presented to you separately. You are responsible for reading and understanding the specific terms of any loan offer you receive, including interest rates, fees, repayment schedules, and all other conditions.

5. No Guarantee of Approval

We welcome all credit situations and connect borrowers with lenders who work with a wide range of credit profiles. However, we cannot and do not guarantee loan approval. Lenders make independent decisions based on their own underwriting criteria. Approval depends on factors including your income, credit history, employment status, and the lender's specific policies.

6. Fees and Compensation

24/7 E-transfer Loans Canada does not charge you a fee for using our referral service. We are compensated by our lending partners when they approve and fund loans through referrals we provide. This compensation does not increase the cost of your loan; lender fees and interest rates are set by the lender independently.

You are responsible for all fees, interest, and charges imposed by the lender you choose. These will be clearly disclosed in your loan agreement before you accept.

7. Responsible Borrowing

Payday loans and short-term credit products are intended for short-term financial needs only. Before borrowing, carefully consider whether you can afford to repay the loan in full by the agreed due date. Borrowing more than you need or cannot repay may lead to financial hardship.

For more information on responsible borrowing practices, please visit our Responsible Borrowing page.

8. Privacy and Data Protection

Your privacy is important to us. We collect and use your personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

For detailed information about how we collect, use, and protect your data, please review our Privacy Policy.

9. Third-Party Links and Content

Our platform may contain links to third-party websites, including lender websites and financial resources. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party websites is governed by their own terms and privacy policies. We recommend reviewing those policies before providing any information.

10. Limitation of Liability

To the maximum extent permitted by law, 24/7 E-transfer Loans Canada and its officers, employees, and agents are not liable for:

• Any indirect, incidental, special, or consequential damages arising from your use of our service.
• Loan decisions made by third-party lenders.
• The terms, rates, or conditions of any loan you obtain.
• Technical errors, service interruptions, or data loss.
• Any financial loss or hardship resulting from borrowing decisions you make.

Our total liability to you shall not exceed the amount you paid to us, which in most cases is zero.

11. Intellectual Property

All content on the 24/7 E-transfer Loans Canada platform, including text, graphics, logos, and design elements, is the property of 24/7 E-transfer Loans Canada or our content partners and is protected by copyright law. You may not reproduce, distribute, or transmit any content without our prior written permission.

12. Prohibited Conduct

You agree not to use our platform to:

• Submit false or fraudulent information.
• Harass, abuse, or threaten our staff or lending partners.
• Attempt to gain unauthorized access to our systems.
• Interfere with the normal operation of our service.
• Use our platform for any illegal purpose or in violation of any applicable law.
• Spam or send unsolicited communications.

Violation of these prohibitions may result in immediate termination of your access and referral to appropriate authorities.

13. Termination of Service

We reserve the right to terminate or suspend your access to our platform at any time, with or without cause, and with or without notice. Reasons for termination may include violation of these terms, provision of false information, or suspected fraudulent activity.

14. Modifications to Terms

24/7 E-transfer Loans Canada may update these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our platform and updating the effective date. Your continued use of our service following such changes constitutes your acceptance of the revised terms.

15. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of Canada and the province in which you reside, without regard to its conflict of law principles. Any legal action or proceeding arising out of these terms shall be brought exclusively in the courts of the applicable Canadian jurisdiction.

16. Dispute Resolution

If you have a dispute with 24/7 E-transfer Loans Canada, we encourage you to contact us first to attempt resolution. If we cannot resolve your concern, you may pursue other remedies available under applicable law, including complaints to provincial regulatory bodies or financial ombudsman services.

17. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed, and the remaining provisions shall continue in full force and effect.

18. Contact Us

If you have questions about these Terms of Service or our platform, please contact us through the contact information provided on our website. We are committed to addressing your concerns promptly and professionally.

Effective Date: These Terms of Service are current as of the date posted on our platform.

Reviewed by: Marcus Theriault