Last updated January 1, 2025. Please read these terms carefully before using our platform.
These Terms of Service ("Terms") govern your use of PayDayLoanOrganization.com ("Company", "we", "us"). By accessing or using our platform, you agree to be bound by these Terms.
PayDayLoanOrganization.com is a free loan-matching and lead-generation service powered by the LeadScout platform. We are not a lender. We connect borrowers with licensed third-party lenders. We do not make credit decisions, guarantee loan approval, set interest rates, or determine loan terms. All lending decisions rest solely with individual lenders.
To use our platform you must be: (a) a Canadian resident; (b) at least 18 years of age (19 in BC, NS, and NB); (c) the holder of an active Canadian bank account; (d) in possession of a regular, verifiable source of income. By submitting an application, you confirm you meet these requirements.
You agree to provide accurate, complete, and truthful information. Providing false information to obtain credit is an offence under Canadian law. We reserve the right to refuse service to anyone providing inaccurate information.
By submitting an application, you authorize us to share your personal and financial information with lenders in the LeadScout network for the purpose of evaluating your loan request via the LeadScout API.
Submission does not guarantee you will receive any loan offer. All approval decisions are made solely by individual lenders based on their own criteria.
Nothing on this platform constitutes financial, legal, or tax advice. We encourage all users to carefully review any loan offer, understand the total cost of borrowing, and consider whether it is appropriate for their financial situation before accepting.
Payday and short-term loans carry significant borrowing costs. They are intended for short-term financial needs only. If you are experiencing ongoing financial difficulty, contact a non-profit credit counselling service.
To the maximum extent permitted by law, PayDayLoanOrganization.com shall not be liable for any damages arising from your use of the platform or any loan agreement entered into with a third-party lender.
These Terms are governed by Canadian law and the laws of the province in which you reside.
We may modify these Terms at any time. Updated Terms are posted with a revised effective date. Continued use constitutes acceptance.
legal@paydayloanorganization.com