TERMS & CONDITIONS
Introduction
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These Website Standard Terms and Conditions (hereafter, “T&C”) written on this webpage is published by Faster Payday Loans. The T&C on this webpage shall manage your use of our website, Faster Payday Loans accessible at www.fasterpaydayloans.ca.
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These Terms will be applied fully and affect to your use of this Website. By using this Website, you agreed to accept all terms and conditions written in here. You must not use this Website if you disagree with any of these Website Standard Terms and Conditions.
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Minors or people below 18 years old are not permitted to use this Website.
Eligibility
You must be at least 18 years old to access and use the Sites. The Sites may contain technologies that restrict or limit their use (including restrictions based on location). The products and services offered through our Sites are only intended for access and use by people located in Ontario, Canada. We make no claims that the site or any of its content is accessible or appropriate outside of Ontario. If you access or use the Sites from outside Ontario, you do so on your own initiative and are responsible for compliance with local laws.
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Intellectual Property Rights
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Other than the content you own, under these Terms, Faster Payday Loans and/or its licensors own all the intellectual property rights and materials contained in this Website.
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You are granted limited license only for purposes of viewing the material contained on this Website.
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Restrictions
You are specifically restricted from all of the following:
publishing any Website material in any other media;
selling, sublicensing and/or otherwise commercializing any Website material;
publicly performing and/or showing any Website material;
using this Website in any way that is or may be damaging to this Website;
using this Website in any way that impacts user access to this Website;
using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
using this Website to engage in any advertising or marketing.
Certain areas of this Website are restricted from being accessed by you and Faster Payday Loans may further restrict access by you to any areas of this Website, at any time, in absolute discretion.
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Your Content
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In these Website Standard Terms and Conditions, “Your Content” shall mean any text, images or other material you choose to display on this Website. By displaying Your Content, you grant Faster Payday Loans a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.
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Your Privacy
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Please read our Privacy Policy.
No Warranties
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This Website is provided “as is,” with all faults, and Faster Payday Loans express no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as advising you.
Limitation of Liability
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In no event shall Faster Payday Loans, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract. Faster Payday Loans, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
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Indemnification
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You hereby indemnify to the fullest extent Faster Payday Loans from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.
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Severability
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If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.
Variation of Terms
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Faster Payday Loans is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis. Such modifications shall become effective immediately upon the posting thereof. You must review these terms of use on a regular basis to keep yourself up to date of any changes. You can find the most recent version at the top of these Terms.
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Assignment
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Faster Payday Loans is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
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Entire Agreement
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These Terms constitute the entire agreement between Faster Payday Loans and you in relation to your use of this Website, and supersede all prior agreements and understandings.
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Governing Law & Jurisdiction
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These Terms will be governed by and interpreted in accordance with the laws of the Province of Ontario, depending on the users province of residence, and applicable federal laws Canada, without giving effect to any choice of law or conflict of law provision or rule. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.
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Last Modified: October 2, 2024
PRIVACY POLICY
The Privacy Policy written on this webpage is published by Faster Payday Loans. At Faster Payday Loans, accessible from www.fasterpaydayloans.ca, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Faster Payday Loans and how we use it. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.
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This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they consent.
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By using our website, you hereby consent to our Privacy Policy and agree to its terms. We collect and use information that we believe is reasonable for the purposes indicated to you. We obtain consent to use and disclose your personal information before or at the time the information is collected.
Information We Collect
The personal information that you are asked to provide will be made clear to you at the point we ask you to provide your personal information. We may receive additional information about you such as your name, email address, phone number, address, photo ID, last paystub, the contents of the message and/or attachments you may send us, and any other information you may choose to provide, or that is requested by Faster Payday Loans.
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We collect, use and disclose your personal information to:
(a) identify and determine your eligibility to apply for a loan under the law
(b) authorize and process your transactions
(c) detect and prevent fraud
(d) help safeguard the financial interests of our users and the Company
(e) meet legal and regulatory requirements; and
(f) send Cash Canada marketing materials that may be of interest to you.
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The personal information we collect is based on the service you request when you are visiting or using our Sites at the time you apply a service or in future dealings with the Company. The information collected assists us in determining your initial and ongoing eligibility for services. The types of personal information we collect for these purposes can include:
(1) basic profile information such as your name, email address, and other similar information;
(2) identifying information such as your date of birth, photo ID, driver’s license or other similar information;
(3) information such as employment, income, credit history, or similar information; and
(4) transactional information such as bank account numbers. This may include information we receive with your consent from a third party, information you submit on your application forms using our websites, from your employer or references and your financial institution.
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Only those employees, who require this personal information to provide services to you, have direct access to it. Personal information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law.
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We do not disclose personal information to third parties, except when is reasonable by law. We may disclose the personal information we collect to third parties in limited circumstances:
(i) where the individual consents to disclosure;
(ii) where disclosure is required by law;
(iii) to our agents and representatives who perform services on our behalf to assist us, where appropriate and when responsibilities reasonably required so;
(iv) Additionally, we may also disclose personal information to third parties in connection with a corporate re-organization, merger or amalgamation, or the sale of our business.
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We will use, disclose or retain your personal information for as long as it is necessary to fulfill the purposes for which it was collected and as permitted or required by law. This personal information will be destroyed, deleted, erased or converted to an anonymous form when reasonably appropriate.
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Log Files
We may also use cookies and collect your demographic data when you visit or use our websites.
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Changes to The Privacy Policy Agreement
Faster Payday Loans reserves the right to update and/or change the terms of this privacy policy agreement at any time without prior notice. Such changes will take effect immediately upon posting. It is the visitors’ responsibility to keep up to date. If you do not agree with the terms of this Privacy Agreement, please do not continue using our Site.
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Last Modified: October 2, 2024
A COMMITTMENT TO RESPONSIBLE LENDING
At Faster Payday Loans, we believe in more than just offering payday loans—we prioritize responsible lending to ensure the well-being of our customers. In today’s fast-paced financial world, payday loans can provide quick access to cash in emergencies, but it’s vital to approach borrowing responsibly. That’s where we come in.
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What is Responsible Lending?
Responsible lending ensures that payday loan providers like Faster Payday Loans assess the borrower’s financial situation carefully before approving any loan. This means we conduct a thorough evaluation to determine if a loan is suitable for the borrower’s income and capacity to repay without causing financial strain.
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Why Choose Faster Payday Loans?
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Transparent Loan Terms: We provide clear, easy-to-understand loan terms with no hidden fees. Our goal is to ensure you know exactly what you’re agreeing to, promoting financial literacy and responsible borrowing.
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Flexible Repayment Options: At Faster Payday Loans, we offer flexible repayment plans to help borrowers avoid the cycle of debt. Our loans are designed to help you get back on track, not push you further into financial difficulty.
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Fast Approval Process: While our approval process is fast and efficient, we ensure that every loan is reviewed with a focus on responsible lending practices. We never approve loans without ensuring that the borrower can meet the repayment terms comfortably.
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Dedicated Customer Support: If you ever have questions about your loan or repayment options, our customer support team is here to assist. We are committed to helping you make informed decisions regarding your payday loan.
Avoid the Payday Loan Debt Trap
We educate our clients on the risks of borrowing irresponsibly. By choosing Faster Payday Loans, you're working with a company that cares about your financial health. We’re here to offer payday loans in a way that encourages sustainable, responsible lending.
Secure and Confidential
With Faster Payday Loans, you can trust that your information is secure. Our cutting-edge automated loan software not only speeds up the lending process but also ensures your data is handled safely and securely.
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At Faster Payday Loans, we stand by the principle of responsible lending. Our mission is to offer fast, easy payday loans while ensuring borrowers have the tools and knowledge to manage their finances responsibly.
If you're in need of a payday loan, choose Faster Payday Loans—Ontario's trusted payday loan provider committed to responsible lending.