Terms Of Service

Effective Date 03/16/2018

Welcome to loanorcredit.ca (hereinafter "Company"). The whole of these Terms & Conditions of Use is an Agreement between Company and You (hereinafter "You" and/or "Your"), as the user of this website (hereinafter "Site") and Company's services, and governs Your access to and use of this Site. The Site provides a service through which consumers interested in a payday or installment loan with participating lenders in Company’s network.

We May Contact You through SMS, Telephone and Email.​

Please be sure to read this Agreement in its entirety before using this Site. By using this Site, You acknowledge that You are at least 18 years of age and that You have read, understand and agree without limitation or qualification to be legally bound by these Terms & Conditions of Use, and Company's Privacy Policy, which are expressly incorporated herein by reference.

If You do not agree to these terms, do not use this Site or Company's services.

Company's Services

Company is not a lender or a loan provider. Nor is Company an agent, representative, or broker thereof. We do not make loans or credit decisions. This Site does not constitute an offer or solicitation to lend. Company is merely a free service through which interested consumers can connect with a prospective network of independent, third-party lenders (hereinafter "Participating Lender(s)"). Company facilitates connecting consumers interested in loan amounts between $100 and $1,500 with Participating Lenders (hereinafter "Company's services"). Not all Participating Lenders can provide up to $1,500.

Any compensation Company may receive is paid by a Participating Lender for advertising services provided. Please note that information we provide You on the Site may not meet Your particular needs and that You should seek the advice of an appropriate financial professional for an assessment of the loan information provided by Participating Lenders. Company has no involvement or responsibility in connection with a Participating Lender's use of the information that You submit, including, without limitation, if You meet loan qualification criteria.

You expressly agree that Company shall not be liable for any damages or costs of any type arising out of or in any way connected with the loan You enter into or Your use of this Site. To register for Company's services, You must agree to these Terms & Conditions of Use, as well as Company's Privacy Policy. You must also accurately complete and submit one or more forms that require certain personal, employment, and financial information.

Once You submit Your information, we share it with Participating Lenders. The collection, use, and sharing of this information is subject to these Terms & Conditions of Use, and Company's Privacy Policy. By registering for Company's services, You understand that You are requesting a referral for a loan from the Participating Lenders with whom we may share Your information. You further understand that such Participating Lenders may contact You via email, telephone/mobile device and direct mail so that they may assist You in obtaining the loan requested. Participating Lenders, Company and/or third-party marketing partners may also provide information to You about additional services and products that you may be interested in.

Participating Lenders may verify Your social insurance number, perform credit checks with reporting bureaus, review Your information against national consumer transaction databases and/or obtain consumer reports through alternative providers. Company does not guarantee You will be connected with a Participating Lender.

Company does not endorse, recommend, or guarantee the loan availability, price, product, availability, rates, fees or any other loan terms of Participating Lenders. Nor do we guarantee that that this is the most suitable loan for You in the current marketplace. By submitting Your information to us, You expressly agree to permit Participating Lenders to verify and investigate the information You have provided.

If You are connected with a Participating Lender, You understand Company is not a party to any agreement between You and the Participating Lender and that we have no involvement in the application process. All loan terms are that of the Participating Lender. The Participating Lender is solely responsible for its services to You and Your communications with the Participating Lender are subject to such Participating Lender's terms, conditions and privacy practices. You acknowledge that Participating Lenders may retain the information You provide regardless of whether You ultimately qualify for a loan. Please direct all questions, comments, or concerns involving Your loan to the Participating Lender.

Authorized Use

You are authorized by Company to use this Site and display its content, but only for Your personal, non-commercial use as provided elsewhere herein and only as permitted by law. All other uses are strictly prohibited. Such prohibited uses include, without limitation, the reproduction, duplication, copy, sale, resale, or other exploitation of any material, use, or access to this Site, for any commercial purpose.

Proprietary Rights

The content, arrangement, organization, and design of this Site are protected under the copyright, trademark, and related intellectual proprietary right laws of the United States. You do not acquire any ownership in or to any such content, arrangement, organization, or design by or through Your access to this Site or use of Company's services. Any reproduction, duplication, copy, sale, resale, or other exploitation of the content, arrangement, organization, and design of this Site is strictly prohibited.

Disclaimer of Warranties

THIS SITE AND COMPANY'S SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND ARE ACCESSED AND USED AT YOUR OWN RISK. TO THE FULLEST EXTENT OF THE LAW, COMPANY MAKES NO WARRANTIES (INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT), REPRESENTATIONS, OR GUARANTEES, WHETHER EXPRESS OR IMPLIED, VERBAL OR OTHERWISE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COMPANY DOES NOT WARRANT, REPRESENT, OR GUARANTEE THAT COMPANY'S SERVICES WILL MEET YOUR REQUIREMENTS; THAT COMPANY'S SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; OR, THAT ANY DEFECTS IN THE OPERATION OR FUNCTIONALITY OF COMPANY'S SERVICES OR RELATED SOFTWARE WILL BE CORRECTED. COMPANY DOES NOT WARRANT, REPRESENT, OR GUARANTEE THAT ANY THIRD PARTY'S SECURITY METHODS AND PRIVACY PROTECTION PROCEDURES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; AND ACCEPTS NO RESULTING LIABILITY WHATSOEVER THEREFOR. COMPANY HAS NOT REVIEWED ANY THIRD-PARTY SITES THAT MAY BE LINKED TO THIS SITE. YOUR ACCESS TO AND USE OF SUCH THIRD-PARTY SITES AND ANY THIRD-PARTY PRODUCTS OR SERVICES IS DONE AT YOUR OWN RISK.

Limitation of Liability

IN NO EVENT SHALL COMPANY BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY'S SERVICES. TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF COMPANY FOR ANY CLAIM ARISING OUT OF YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY'S SERVICES-WHETHER IN CONTRACT, WARRANTY, TORT, STRICT LIABILITY, OR OTHERWISE-IS LIMITED TO THE AMOUNT PAID BY YOU-IF ANY-FOR YOUR ACCESS TO OR USE OF THIS SITE, OR YOUR USE OF COMPANY'S SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Third Parties and Third-Party Websites

This Site may contain links to third-party websites. The inclusion of links to third-party websites are not an endorsement of or recommendation for such third-party websites or anything contained therein. Such links to third-party websites are provided for reference and convenience only. Because Company does not have control over third-party websites or anything contained therein, You agree Company is not responsible or liable for Your access to or use of such third-party websites. Any access to or use of such third-party websites is done at Your own risk.

Your interaction with third parties, including, without limitation Participating Lenders, along with any and all terms and conditions in conjunction therewith, are solely between You and the third party. Company is not responsible for any loss or damage of any sort incurred as the result of any such dealings.

Disputes; Choice of Law; Venue

Any dispute arising out of Your access to or use of this Site, or Your use of Company's services, shall be governed by the laws of the State of California without giving effect to any choice of law or conflict of law rules or provisions. Should a dispute arise out of Your access to or use of this Site, or Your use of Company's services, Company expressly reserves the option to require You to first submit the dispute for resolution by binding arbitration before the American Arbitration Association in Los Angeles, California, in accordance with the then existing Commercial Arbitration Rules. ALL DISPUTES BETWEEN YOU AND COMPANY WILL BE RESOLVED BY BINDING ARBITRATION. AS A RESULT, YOU WAIVE YOUR RIGHT TO ASSERT OR DEFEND YOUR RIGHTS IN COURT IN FRONT OF A JUDGE OR JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. The arbitrator shall not have the authority to award any damages which exceed the compensatory damages' actual amount, or the authority to multiply any of the actual damages claimed. Furthermore, the arbitrator shall be prohibited from awarding any incidental, consequential, special, exemplary, or punitive damages; and You waive the right to any claim involving these prohibited damages. Any award rendered shall be final and conclusive, and a judgment thereon may be entered in any court of competent jurisdiction. Company may, in its sole discretion, elect to file an action in any court of competent jurisdiction in Los Angeles County, California, in lieu of and despite the alternative dispute resolution provision contained herein. If You do not wish to be bound by this arbitration clause, You must notify Company in writing within ten (10) days after assenting to the terms herein or Your rejection of arbitration will not be effective. You must send such a request to: Holidaypayday.com. Your request must include Your first and last name, email address, the website address of the website You request the opt-out of, Your telephone number and the statement "I reject the arbitration clause stated in Company's Website Terms and Conditions.” If the alternative dispute resolution provision contained herein is unenforceable or does not apply for any reason, any legal claim arising out of Your access to or use of this Site or Your use of Company's services must be brought in the federal or state courts located in Los Angeles County, California. Notwithstanding any applicable statute or law to the contrary, You agree that any claim arising out of Your access to or use of this Site, or Your use of Company's services, must be brought within one (1) year after the cause of action arises, otherwise such claim or cause of action is forever barred.

Export Control

Neither the products, services, nor underlying software of this Site may be downloaded or otherwise exported: (a) into (or to a national resident of) Cuba, Iraq, Iran, Libya, North Korea, Sudan, Syria, or any other country to which the United States has embargoed goods; or, (b) to anyone on the United States Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Denial Orders (each, a "Restricted List"). By using Company's services, You warrant that You are not located in, under the control of, or a national resident of, any such country or on any Restricted List.

Indemnification

You agree to indemnify and hold Company, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners, harmless from and against any and all liability, loss, damages, expenses (including reasonable attorneys' fees), claims, actions, suits, and proceedings arising out of or related to: (a) Your use of this Site or Company's services; (b) Your breach of these Terms & Conditions of Use; and/or (c) any dispute between You and any third party. The provisions of this paragraph are for the benefit of Company, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners. Each of these individuals or entities shall have the right to assert and enforce this provision directly against You on its own behalf.

Entire Agreement

These Terms & Conditions of Use set forth the entire understanding and agreement between You and Company with respect to the subject matter hereof, and supersedes any and all prior or contemporaneous agreements. Company's failure to enforce any provision of these Terms & Conditions of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision.

Modification

Company reserves the right to modify these Terms & Conditions of Use or any additional terms that apply to this Site or Company's services. Company will post notice of any such modifications in a clear and conspicuous manner to these Terms & Conditions of Use and anywhere else Company may deem appropriate. Any such modifications shall take effect immediately. If You do not agree to any such modifications, do not use this Site or Company's services.

Non-Waiver; Severability

The failure of Company to enforce any provision in these Terms & Conditions of Use, or to exercise any right outlined herein, shall in no way be deemed as a waiver of this right or the ability to enforce any of the terms and conditions contained herein. If any provision contained in these Terms & Conditions of Use is determined to be invalid, illegal, or unenforceable in any respect under any applicable law, then such provision shall be severed and the remaining provisions of these Terms & Conditions of Use shall remain in full force and effect.

Headings

The headings for sections contained herein are for convenience only and shall not affect the meaning of the provisions of these Terms & Conditions of Use.

Company’s Contact Information

The provider of the Site and related service is loanorcredit.ca and can be contacted via e-mail at info@loanorcredit.ca. No direct charges are imposed by the Site and related service. If You have a complaint with the services provided on the Site or wish to request further information, please contact us at the address set forth herein.

This privacy policy is in accordance with Canada’s Federal Personal Information Protection and Electronic Documents Act (PIPEDA) formerly referred to as Bill C-6. It seeks to establish rules to govern the collection, use and disclosure of personal information by electronic means by private organizations. Its second primary objective is to acknowledge the validity and legality of electronic documents.

Please take a moment to review the terms of our Privacy Policy. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service.

Your privacy is our concern

We recognize the importance of safeguarding your personal information. We collect and retain information about you in order to communicate with you, to process your request for goods and services, as well as to inform you of other financial services that may be of interest to you. Except as explained here in our Privacy Policy we do not sell nonpublic information about either current or prior customers, nor do we share this information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

If you have questions or concerns regarding the Privacy Policy or any other aspect of this site, please contact us at www.loanorcredit.com/contact_us.html

This policy evolves with business factors, technology, etc. You should consult it each time you consider use of our service.

www.loanorcredit.com are not lenders or financial institutions, and therefore do NOT make decisions regarding financial services or loans. Completing the form does not guarantee approval of your loan. Your application is forwarded to one of our many service providers who will potentially provide you with a service.

Who we are and What we do

www.loanorcredit.com, (“the site.”) Through this site, the company operates a customer data base (“the service”), through which it collects sorts and sells contact information to businesses on behalf of individual consumers who have shown an interest in applying for a business’ products or services and asked to be contacted by a representative of these products and services.

By providing information on this site, you acknowledge that they operate in the Canada. and agree to allow the company to use your information as necessary, including across international boundaries to procure goods and services as required by the application. Company uses third party vendors, third party affiliates, and a mixture of media advertisements to promote the site. Company also supplements our database by purchasing databases of consumers who have completed applications on websites other than the company’s. The persons in this database have affirmatively requested more information about products or services similar to those offered on company’s site.

Company also promotes its products and services via e-mail or by telephone, or mobile device to consumers who have requested that they be contacted either through our online application opt-in process via our site or through an opt-in process on one of our many vendor or affiliate sites. Consumers receive these promotions only as long as they wish. They may opt-out at any time by following the instructions in Opt-out section below.

Minors

We do not knowingly target our services or collect information on persons under 18 years of age.

Information Collection and Storage

The following is required information you must provide when applying for one of our products or services: name, city, state, address, postal code, work phone, home phone, e-mail address, house type, loan amount desired, place of employment, years employed, yearly income, loan desired, and best time to call.

Not all information asked for on our site is required when you fill out our forms. Only Information about your computer hardware and software is automatically collected by www.loanorcredit.com and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by www.loanorcredit.com to maintain and improve the quality of the service and to generate statistics regarding use of the site. Site does not use third party databases to correct or update the information you submit to us for any reason.

If you communicate with us via e-mail we will keep those messages, as well as a record of our responses. We protect this information in the same way that we protect telephone and mail communications.

We keep your information for as long as your account is active. We will retain your information as necessary to comply with legal obligations, resolve disputes and to enforce our agreements.

Information Usage

When you submit your application online you grant permission to be contacted by the site and affiliated third parties.

We use personal information in providing the loans applied for, processing the payment, advertising and marketing efforts, monitoring the use of the service, improving our products and services, as well as, the site’s content and design and other lawful purposes.

Your information will be shared with lenders who receive your application as well as affiliated third parties, as needed, to fulfill your loan request. These affiliated companies may also send you information about products and special offers that may be of interest to you.

We will also use the information to notify you about changes to our website, our services and to inform you of special offers you may find worthwhile.

Sharing and Selling Information

We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.

We do share with affiliated third parties such as, but not limited to, lenders, title service companies and auto finance companies.

We may also use your information to service our relationship with you, to prevent fraud, for the purposes of debt collection, to conduct our business, including better customer service and to market other products from the site, as well as, affiliated third parties. It may also be used for statistical analysis.

Updating your information

You may update your information at any time by emailing us. Go to the Contact Us tab on the main page.

Changes of ownership

In the event that this website or other parts of the company’s assets are sold, customer information is considered part of the assets of the company, and as such, may be transferred to the new owners. In this event, you would be notified by e-mail or by notice on this website.

Cookies

In a manner similar to virtually all commercial or business websites we use “Cookies” to store information. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.

We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.

We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.

Third Party Cookies

The use of cookies by our tracking utility company is not covered by our privacy statement. We do not have access or control over these cookies. Our tracking utility company uses session ID cookies to make it easier for you to navigate our site.

Opting Out/Unsubscribe

If you wish to opt-out of our service by having your information removed from our database and to stop receiving e-mails from us, please go to the Contact Us tab on the Main Page. www.loanorcredit.com/contact_us.html

Security and fraud

Site uses a variety of security technologies to protect your personal information. When information is transmitted over the internet we protect through use of encryption, such as the SSL (Secure Socket Layer) protocol. No method of transmission, over the internet, or mode of storage, is 100% secure. As a result, we cannot guarantee its 100% security. If false or inaccurate information is provided, the information will be passed on to appropriate law enforcement agencies.

Policy Changes

From time to time the privacy policy is changed due to advancing technology, new laws, etc. You should always read the privacy policy of any site you visit, even if you have gone there before, just to make sure nothing has changed. We would not use your information in a manner that is not in accordance with this privacy policy.

If the manner in which your information is used is materially changed, every attempt would be made to reach you by e-mail. A notice would also appear on the site.

All information provided is in accordance with the Data Protection Act.