Terms of Service

1. About Our Service

24/7 E-transfer Loans is a referral and information service, not a lender. We connect borrowers across Canada with licensed financial institutions that offer e-transfer payday loans and related credit products. We do not originate loans, set interest rates, or make lending decisions. Our role is to provide information, match your profile with potential lenders, and facilitate introductions.

By using our website and services, you acknowledge that you are seeking information about payday loan options and are willing to be referred to third-party lenders for credit assessment.

2. Eligibility and Your Responsibilities

To use our referral service, you must:

• Be at least 18 years old and a Canadian resident
• Provide accurate, complete, and truthful information in all forms and communications
• Have a valid email address and phone number
• Understand that referrals do not guarantee loan approval

You are solely responsible for the accuracy of information you provide. Submitting false or misleading details may result in service termination and referral denial.

3. No Guarantee of Approval

24/7 E-transfer Loans welcomes all credit situations, but referral to a lender does not mean you will be approved for credit. Each lender conducts its own credit assessment, income verification, and lending decision. Approval depends on the lender's policies, your financial profile, and their underwriting criteria. We make no warranties regarding approval odds or loan terms.

4. Lender Terms and Responsibility

Once you are referred to a lender, that lender's terms of service, privacy policy, and loan agreement govern your relationship with them. We are not responsible for:

• Lender decisions to approve or deny your application
• Interest rates, fees, repayment terms, or other loan conditions set by the lender
• The lender's customer service, data handling, or compliance practices
• Any disputes between you and the lender

We recommend reviewing each lender's disclosure documents and terms before accepting any loan offer.

5. Use of Your Information

When you submit your details through our referral form, we collect and share your information with partner lenders to facilitate loan matching. For complete details on how we collect, use, and protect your data, please see our Privacy Policy.

By submitting your information, you consent to:

• Our collection and use of your personal and financial details
• Sharing your information with licensed lenders and credit partners
• Contact by lenders via phone, email, or text message regarding your application
• Lenders conducting credit inquiries and background checks

6. Responsible Borrowing

Payday loans are short-term credit products designed for emergency cash needs. They typically carry higher interest rates and fees than traditional loans. Before borrowing, consider whether you can repay the full amount plus interest on your next payday. For guidance on responsible borrowing practices, please review our Responsible Borrowing page.

If you are struggling with debt, consider consulting a non-profit credit counselor or speaking with your provincial financial regulator.

7. Prohibited Uses

You agree not to use our service to:

• Submit false, fraudulent, or misleading information
• Impersonate another person or entity
• Harass, threaten, or abuse our staff or partner lenders
• Interfere with our website's operation or security
• Attempt to gain unauthorized access to our systems
• Use automated tools, bots, or scrapers without permission
• Violate any applicable Canadian federal or provincial law

8. Limitation of Liability

To the maximum extent permitted by law, 24/7 E-transfer Loans and its officers, employees, and partners are not liable for:

• Any direct, indirect, incidental, or consequential damages arising from your use of our service
• Loss of income, data, or business opportunities
• Errors, omissions, or inaccuracies in our website content or referrals
• Third-party lender actions, loan terms, or disputes
• Website downtime, technical failures, or service interruptions

Our total liability to you shall not exceed the amount you paid us, if any.

9. Disclaimers

24/7 E-transfer Loans provides information and referral services only. We are not financial advisors, and nothing on our website constitutes financial, legal, or tax advice. Before entering into any loan agreement, consult with a qualified financial advisor, lawyer, or tax professional if needed.

All information on our website is provided "as is" without warranty of any kind. We do not warrant that our service will be uninterrupted, error-free, or secure.

10. Intellectual Property

All content on the 24/7 E-transfer Loans website—including text, graphics, logos, images, and software—is our property or that of our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or transmit any content without our prior written permission.

11. Third-Party Links

Our website may contain links to third-party websites, including lender sites and financial resources. We do not endorse or control these external sites and are not responsible for their content, accuracy, or practices. Your use of third-party websites is governed by their own terms and privacy policies.

12. Termination of Service

We reserve the right to terminate or suspend your access to our service at any time, with or without cause, and without notice or liability. Grounds for termination include violation of these terms, submission of false information, or conduct we deem harmful to our service or users.

13. Changes to These Terms

We may update these Terms of Service at any time. Changes take effect immediately upon posting to our website. Your continued use of our service after any modification constitutes acceptance of the updated terms. We encourage you to review these terms regularly.

14. Governing Law and Jurisdiction

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

15. Severability

If any provision of these terms is found to be invalid, illegal, or unenforceable, that provision shall be severed, and the remaining provisions shall continue in full force and effect.

16. Contact Us

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

Last Updated: These terms were last reviewed and updated by our Editorial Team to ensure accuracy and compliance with Canadian financial services standards.