Terms of Use

Welcome to LoanLink Canada. These Terms of Use ("Terms") are a legal agreement between you and LoanLink Canada ("we," "us," or "our") that governs your use of our website at loanlinkcanada.com (the "Site").

Please read these Terms carefully before using the Site. By using the Site or submitting our form, you agree to these Terms. If you do not agree, please do not use the Site.

1. What LoanLink Canada Is (and Is Not)

LoanLink Canada is a loan-matching service. We connect Canadian consumers with licensed third-party lenders and lender networks who may be able to offer them a loan.

We are not a lender. We do not:

• Lend money
• Make loan decisions
• Set interest rates, fees, or repayment terms
• Approve or deny loan applications
• Collect loan payments

All loan decisions are made by the third-party lenders we refer you to. Each lender has its own application process, eligibility criteria, rates, and terms.

2. No Guaranteed Approval

We do not guarantee:

• That you will be approved for a loan
• That a lender will contact you
• The amount, interest rate, fees, or terms of any loan you may be offered
• The time it will take to receive funds, if approved

A submission through our Site does not create any obligation for any lender to offer you a loan, or for you to accept any offer.

3. Eligibility

To use the Site and submit our form, you must:

• Be at least 18 years of age (or the age of majority in your province or territory, whichever is higher)
• Be a Canadian resident
• Be legally able to enter into a binding contract
• Provide accurate, current, and complete information about yourself

If you do not meet these requirements, you must not use the Site.

4. Your Responsibility for the Information You Provide

When you submit our form, you confirm that all information you give us is true, accurate, and complete. Submitting false or misleading information may:

• Result in your application being denied by lenders
• Be considered fraud under Canadian law
• Result in your information being removed from our system without notice

You are responsible for keeping your contact information up to date if you want to receive offers.

5. How We Use Your Information

When you submit our form, we share your information with one or more licensed third-party lenders so they can contact you. By submitting the form, you give us permission to do this.

For full details on how we collect, use, and share your information, please read our Privacy Policy.

6. Communications from Lenders

By submitting our form, you understand and agree that:

• Lenders we share your information with may contact you by phone, email, or text message
• These communications may be made using automated systems
• Standard message and data rates may apply for text messages
• You can opt out of communications from any specific lender by contacting that lender directly

If you no longer want LoanLink Canada to share your information, email privacy@loanlinkcanada.com.

7. No Financial or Legal Advice

Nothing on the Site is financial, legal, or tax advice. Information on the Site is provided for general purposes only.

Before taking out any loan, we strongly encourage you to:

• Read the lender's full terms carefully
• Make sure you understand the total cost of borrowing, including interest, fees, and penalties
• Consider whether you can comfortably repay the loan
• Speak with a qualified financial advisor if you are unsure

Borrowing money has serious financial consequences. Please borrow responsibly.

8. Third-Party Lenders Are Independent

Lenders we refer you to are independent businesses. We are not responsible for:

• Their loan products, decisions, rates, fees, or terms
• Their privacy practices once they receive your information
• Their customer service, communications, or business conduct
• Any agreements you enter into with them

If you have a dispute with a lender, you must resolve it directly with that lender.

9. Acceptable Use

When using the Site, you agree not to:

• Submit false, misleading, or another person's information
• Use the Site for any illegal purpose
• Try to break, hack, scrape, or interfere with the Site or its security
• Use bots, scripts, or other automated tools to submit our form
• Copy, reproduce, or use our content without our written permission
• Use the Site in any way that could harm us or other users

We reserve the right to block any user, IP address, or submission that we believe violates these Terms.

10. Intellectual Property

All content on the Site — including the LoanLink Canada name, logo, text, graphics, and design — is owned by us or our licensors and is protected by Canadian and international copyright and trademark laws. You may view the Site for personal, non-commercial use only.

11. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied.

To the fullest extent allowed by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free
• Any information on the Site is accurate, complete, or up to date
• You will be matched with a lender, or that any lender will offer you a loan

12. Limitation of Liability

To the fullest extent allowed by Ontario and Canadian law, LoanLink Canada is not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Lost profits or revenue
• Loss of data
• Damages from any loan you take out (or fail to obtain) through a lender we referred
• Any actions or inactions of third-party lenders

Our total liability to you for any claim arising out of these Terms or your use of the Site is limited to one hundred Canadian dollars (CAD $100).

Some provinces do not allow the limitation of certain damages. In those cases, our liability is limited to the maximum extent allowed by law.

13. Indemnity

You agree to indemnify and hold LoanLink Canada harmless from any claims, damages, losses, or expenses (including reasonable legal fees) that arise from:

• Your use of the Site
• Information you submit through the Site
• Your violation of these Terms
• Your violation of any law or third-party rights

14. Changes to These Terms

We may update these Terms from time to time. When we do, we will change the "Last updated" date at the top of this page. Significant changes will be communicated through a notice on the Site. Your continued use of the Site after changes are posted means you accept the updated Terms.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada that apply there, without regard to conflict-of-law principles.

You agree that any dispute arising out of or relating to these Terms or your use of the Site will be resolved exclusively in the courts located in Ontario, Canada, and you consent to the personal jurisdiction of those courts.

If you live in another Canadian province, you may still have rights under your local consumer protection laws that cannot be taken away by this agreement.

16. Severability

If any part of these Terms is found to be invalid or unenforceable, the rest of these Terms will continue to apply.

17. Entire Agreement

These Terms, together with our Privacy Policy, are the entire agreement between you and LoanLink Canada about your use of the Site, and replace any prior agreements.

18. Contact Us

If you have any questions about these Terms, please contact us at:

Email: privacy@loanlinkcanada.com