Terms of Service

1. Service Overview

24/7 Loans Ottawa is a referral and information service, not a lender. We connect Canadian borrowers with licensed financial institutions that offer payday loans, e-transfer advances, and other short-term credit products. We do not directly lend money, approve applications, or set interest rates. Our role is to provide educational information and facilitate introductions between you and potential lenders.

2. Eligibility and Use

By using our service, you confirm that:

• You are at least 18 years of age or the age of majority in your province or territory.
• You are a Canadian resident with a valid Canadian bank account.
• You are not using this service for any unlawful purpose.
• All information you provide is accurate, complete, and truthful.
• You have the legal capacity to enter into a loan agreement with a third-party lender.

We reserve the right to refuse service to anyone who violates these terms or engages in fraudulent activity.

3. No Guarantee of Approval

While we welcome all credit situations, referral to a lender does not guarantee approval. Each lender independently assesses your application based on their own criteria, credit policies, and underwriting standards. Approval, interest rates, fees, and loan terms are determined solely by the lender. We make no representations or warranties regarding your likelihood of approval or the specific terms you will receive.

4. Referral Process

When you submit your information through our site, you authorize us to share your details with one or more licensed lenders for the purpose of credit assessment. Lenders may contact you directly via phone, email, or text message. You may receive offers from multiple lenders; you are free to accept or decline any offer. Proceeding with a lender constitutes a separate agreement between you and that lender, governed by their own terms and conditions.

5. Lender Independence

Lenders are independent third parties. We do not control their lending decisions, rates, fees, or customer service practices. We are not responsible for any lender's conduct, misrepresentation, or failure to perform. If you have a complaint about a lender, contact them directly or file a complaint with your provincial financial regulator. For concerns about our service, please contact us using the information on our website.

6. Your Information and Privacy

Your personal information is collected, used, and protected in accordance with our Privacy Policy. By submitting your information, you consent to its collection and sharing with lenders for credit assessment purposes. We use industry-standard security measures to protect your data, though no transmission over the internet is entirely secure.

7. Responsible Borrowing

Payday loans and short-term credit products carry significant costs and are intended for short-term financial needs only. Before borrowing, carefully review the lender's disclosure of fees, interest rates, and repayment terms. Borrow only what you can afford to repay on schedule. If you are struggling with debt, consider seeking advice from a non-profit credit counselor. For more information, see our Responsible Borrowing guide.

8. Limitation of Liability

24/7 Loans Ottawa provides its service "as is" without warranties of any kind, express or implied. We do not warrant that our service will be uninterrupted, error-free, or free of harmful code. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our service, your inability to access it, or your reliance on information provided. This includes damages related to loan terms, lender conduct, or any financial loss you may incur.

9. Indemnification

You agree to indemnify, defend, and hold harmless 24/7 Loans Ottawa, its owners, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of our service, your violation of these terms, or any dispute between you and a lender.

10. Intellectual Property

All content on our site, including text, graphics, logos, and design elements, is the property of 24/7 Loans Ottawa or our licensors. You may view and print content for personal, non-commercial use only. Reproduction, modification, distribution, or republication of any content without our written permission is prohibited.

11. Third-Party Links

Our site may contain links to third-party websites. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of external sites. Your use of third-party sites is governed by their own terms and policies. We encourage you to review them before proceeding.

12. Modifications to Terms

We may update these Terms of Service at any time without prior notice. Changes become effective upon posting to our site. Your continued use of our service following any modification constitutes your acceptance of the updated terms. We recommend reviewing this page periodically to stay informed of any changes.

13. Governing Law and Jurisdiction

These Terms of Service are governed by the laws of Canada and the province of Ontario, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the courts of Ontario for any disputes arising from or relating to these terms or your use of our service.

14. 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.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and 24/7 Loans Ottawa regarding your use of our service and supersede all prior agreements and understandings.

16. Contact Us

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