The rules for usingcashpicks.ca

Accepting these terms and conditions

These terms and conditions ("Terms") apply to your use of cashpicks.ca ("the site"). By using the site, you confirm that you've read and agree to these Terms and to our Privacy Policy. If you don't agree, please don't use the site.

Likewise, if you use the site on someone else's behalf, you confirm that you have the authority to accept these Terms for them.

About the website

CashPicks runs cashpicks.ca, a free website where Canadians can learn about e-transfer payday loans, estimate costs and submit a loan request online.

In addition, using the site is free. Equally, you're never obliged to accept a loan offer.

Eligibility

To use the site, you must:

• Have reached the age of majority in your province or territory, which is 18 or 19
• Live in Canada
• Be legally able to enter into a binding agreement
• Give accurate and truthful information

Also, the site is meant for use in Canada only. However, payday loans aren't available in Quebec.

How a loan request works

When you submit a loan request, the lender uses the information you give to assess it. However, you don't have to accept any offer you receive.

In other words, any loan is a separate agreement between you and the lender that offers it, under that lender's own terms. Read the full loan agreement, including the total cost and the due date, before you sign.

No financial advice

Above all, the information, tools and content on the site are general information only. Specifically, they aren't financial, legal, tax or other professional advice, and you shouldn't rely on them as such.

For example, the calculator shows estimates based on what you enter and the federal cost cap. Instead, your loan agreement sets out your actual cost. Before you borrow, think about your situation carefully and, if you need to, speak with a qualified professional.

Your responsibilities

When you use the site, you agree to:

• Give information that's accurate, current and complete
• Use the site only for lawful, personal purposes
• Keep any account details you create secure and private
• Not misuse or disrupt the site, or try to access it without permission

Finally, you're responsible for your own borrowing decisions and for reading any loan agreement before you sign it.

Lenders and other websites

Since we don't control lenders or other websites linked from the site, we can't guarantee:

• That your application will be approved
• The rates, fees or terms you're offered
• How a lender or another website behaves, or what it offers
• How a lender or another website handles your information

Instead, a lender's own terms and privacy policy govern your relationship with it, and any dispute about a loan is between you and that lender.

Intellectual property

Everything on the site, including its text, graphics, logos, the CashPicks name, the calculator and the design, belongs to CashPicks or its licensors and is protected by Canadian and international intellectual property laws. You may view and use the site for personal purposes, but you may not copy, republish or distribute its content without our written permission.

Acceptable use

You agree not to:

• Use the site for anything unlawful or fraudulent
• Submit false or misleading information, or someone else's information
• Interfere with, damage or disrupt the site or its security
• Use bots, scrapers or other automated tools on the site without permission
• Try to reverse-engineer or copy any part of the site

As a result, we may suspend or end access for anyone who breaks these Terms.

Disclaimers in these terms and conditions

The site and its content are provided "as is" and "as available", without warranties of any kind, express or implied. To the extent the law allows, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.

Similarly, we don't promise that the site will always be available, error-free or secure, or that its information will be complete and current at all times.

Limitation of liability

To the extent the law allows, CashPicks and its team aren't liable for any indirect, incidental, special, consequential or punitive damages, or any loss, arising from:

• Your use of the site, or not being able to use it
• Any loan you get, or don't get
• The actions or content of any lender or other website
• Any errors or gaps in our content

However, nothing in these Terms limits any rights you have under consumer protection laws that can't be excluded.

Indemnification

You agree to cover CashPicks, its team and partners for any claims, losses, liabilities or costs, including reasonable legal fees, that result from your misuse of the site, your breach of these Terms, or your breach of any law or anyone else's rights.

Privacy

Our Privacy Policy explains how we collect, use and protect your personal information under Canadian privacy law, including PIPEDA. Also, our Cookie Policy explains how the site uses cookies. For more on your privacy rights, visit the Office of the Privacy Commissioner of Canada.

Changes to these terms and conditions

From time to time, we may update these Terms. When we do, we'll change the "last updated" date at the top of this page. If you keep using the site after a change takes effect, you accept the updated Terms.

Governing law for these terms and conditions

The laws of the Province of Ontario, and the federal laws of Canada that apply there, govern these Terms. Any dispute about these Terms or the site will be handled by the courts of Ontario, unless consumer protection law in your province gives you the right to bring it where you live.

Questions about these terms and conditions

Have a question about these Terms?