Terms & Conditions

Welcome to PaydayExpert.ca! These Terms and Conditions (“Terms”) govern your use of our website located at www.paydayexpert.ca (the “Website”) and any services provided by PaydayExpert.ca (“we” or “us”). By accessing or using our Website, you agree to be bound by these Terms. Please read them carefully before using our services.

1. Website Use

1.1 Eligibility: You must be at least 18 years old and a resident of Canada to use our services. By using the Website, you represent and warrant that you meet these eligibility requirements.

1.2 Accuracy of Information: While we strive to provide accurate and up-to-date information, the content on our Website is provided for general informational purposes only. We do not guarantee the accuracy, completeness, or reliability of any information on the Website. You acknowledge that any reliance on such information is at your own risk.

1.3 User Account: Certain features or services on the Website may require you to create a user account. You are responsible for maintaining the confidentiality of your account credentials and for any activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

1.4 Prohibited Activities: You agree not to use the Website for any unlawful or unauthorized purpose. You must comply with all applicable laws and regulations while using the Website. Furthermore, you agree not to:

(a) Modify, adapt, translate, or reverse engineer any portion of the Website; (b) Interfere with or disrupt the operation of the Website or servers; (c) Impersonate another person or entity or provide false information; (d) Use the Website to transmit any viruses, worms, or other malicious code; (e) Engage in any conduct that restricts or inhibits any other user from using or enjoying the Website.

2. Loan Comparisons

2.1 Service Description: PaydayExpert.ca provides a payday loan comparison platform that enables individuals to compare and find payday loan options offered by third-party lenders. We strive to provide accurate and unbiased information to assist users in making informed decisions about their financial needs. However, we do not provide loans or make lending decisions.

2.2 Third-Party Lenders: We work with a network of third-party lenders who provide payday loans. We do not endorse, guarantee, or represent the reliability, quality, or suitability of any lender or loan product. Your interactions with lenders are solely between you and the lender, and any loans or financial transactions are subject to the terms and conditions of the respective lender.

2.3 Financial Responsibility: You are solely responsible for evaluating the terms, fees, and conditions of any loan offers and for making your own independent decision. We encourage you to carefully review the loan agreement and seek advice from a qualified professional before entering into any loan agreement.

2.4 No Financial Advice: The information provided on our Website is not financial advice and should not be considered as such. We do not provide personalized financial advice, and any information or content on the Website should not be relied upon for making financial decisions.

3. Intellectual Property

3.1 Ownership: The Website and its content, including text, graphics, logos, icons, images, audio clips, and software, are owned by or licensed to PaydayExpert.ca and are protected by copyright and other intellectual property laws.

3.2 Limited License: We grant you a limited, non-exclusive, revocable, and non-transferable license to access and use the Website for personal and non-commercial purposes. This license does not permit you to:

(a) Modify or copy any portion of the Website; (b) Use the Website or its content for any commercial purpose; (c) Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information; (d) Use any meta tags or other hidden text using our name or trademarks.

4. Privacy Policy

We respect your privacy and handle your personal information in accordance with our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

5. Disclaimer of Warranties

5.1 No Warranty: The Website and its content are provided on an “as is” and “as available” basis. We do not make any warranties or representations, express or implied, regarding the operation or availability of the Website, the accuracy, completeness, or reliability of the content, or the suitability or quality of any products, services, or information provided by third-party lenders.

5.2 Use at Your Own Risk: Your use of the Website is at your own risk. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

6.1 Exclusion of Damages: To the maximum extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with your use or inability to use the Website or any services provided by third-party lenders.

6.2 Indemnification: You agree to indemnify, defend, and hold harmless PaydayExpert.ca, its affiliates, directors, officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys’ fees, arising out of or in connection with your use of the Website or any violation of these Terms.

7. Modifications to Terms

We reserve the right to modify or update these Terms at any time, without prior notice. The updated Terms will be effective upon posting on the Website. Your continued use of the Website after any such modifications will constitute your acceptance of the updated Terms.

8. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of Canada without regard to its conflicts of law provisions. Any dispute arising out of or relating to these Terms or the Website shall be subject to the exclusive jurisdiction of the courts located in Canada.

9. Contact Us

If you have any questions or concerns about these Terms, please contact us.

By using PaydayExpert.ca, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.