Terms of Use

  1. General

    1. By accessing and using needaloan.ca (henceforth referred to as “the website” or "Need a Loan") the user (henceforth referred to as “you”) agrees to the Terms of Use and Private Policy exhibited by the website. If you refuse to comply with these terms, you are not permitted to access or use the website and are advised to leave the website immediately.
    2. A breach of any condition outlined in either the Terms of Use or Private Policy will result in your right to the access of the website being immediately revoked.
    3. Need a Loan reserves the right to amend the Terms of Use at its own discretion. Amendments will be made without notice, by updating the Terms of Use page. All amendments made to this page are effective immediately, from the time of the update. We advise you to read or reread the Terms of Use whenever you visit the website to ensure your actions remain in accordance with the updated terms.
    4. Need a Loan reserves the right to terminate the Terms of Use and/or the services offered by the website at any time, without notice, if in our judgement, the Terms of Use have been violated. Termination requires that you discontinue all use of information contained on the website and destroy the materials you have obtained from the website.
  2. Our Service

    1. Need a Loan provides an independent online service that matches you with third-party loan providers. We do not charge or add any fees or commissions to the rates offered by these third parties. We instead charge these third-party lenders a fee or commission.
    2. Need a Loan does not endorse the services or products referred to on the website. The website instead provides recommendations that may help to advise and educate for general purposes only. The information is provided to assist your decision-making when selecting the loan best suited to your needs. It is incumbent upon you to ensure the suitability adequacy and relevancy of any service or product either seen on or recommended by the website. It is your sole decision to obtain or refrain from procuring any product or service. If you are unsure in regard to the relevance of any products or services, you are advised to seek independent guidance external to the website.
    3. You are advised to note that nothing featured on the website constitutes an offer by Need a Loan or any third party to sell to you any product or service. By submitting personal information, you are making an offer to obtain the relevant product or service from a third party that may be accepted or rejected at their discretion. Any contract established with a third party will be concluded after the acceptance of your offer. Please note that acceptance of payment on the website does not equate to the acceptance of your offer. You will receive confirmation if and when your offer is accepted.
    4. It is our intention to provide unceasing access to the website, but Need a Loan reserves the right to suspend, restrict, or terminate your access to the website at any time.
    5. Need a Loan reserves the right to add, alter, remove, edit, or modify all content and data displayed on the website without providing notice.
  3. Permitted Use

    1. You are permitted to access and use the website for personal use only. This means the website may not be accessed or used by a private individual or business to seek a product or service directly for that individual or business and their own use. Any commercial use of the website is prohibited.
    2. You are not permitted to use the website:
      • In any unlawful, fraudulent, or commercial manner.
      • To harm, threaten, abuse, embarrass, defame, libel, intimidate, or harass another person, or in a way that invades another person's privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory, or damaging as determined by us.
      • To create, check, confirm, update, modify, or amend your own or another person's databases, records, or directories.
      • To tamper with, modify, reverse engineer, or amend any part of this website.
      • In a way that interferes with, disrupts, or imposes an unreasonable or disproportionately large burden on our communications and technical systems as determined by us.
      • Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program, or system.
    3. You are permitted to link to the website, so long as you do so in a way that is legal and does not damage or profit from the reputation of Need a Loan, as determined by us. You may not link to the website in any deceitful way that implies association or endorsement by us. If this condition is violated, Need a Loan reserves the right to demand the removal of the link at any time. We may also withdraw previously granted permission for existing links at our sole discretion.
  4. Intellectual Property Rights

    1. The copyright for all content, material, information, and data displayed on the website belongs to Need a Loan and our licensors. You are permitted to temporarily print, copy, download, or store these components for personal use under the following conditions:
      • It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, reutilized, or reproduced without our prior written consent.
      • You may not use any automated software, process, program or system, robot, web crawler, spider, data mining, trawling or other 'screen scraping' software, process, program, or system.
      • It may not be sold or transferred to any third party.
      • The copy must retain any copyright or other intellectual property notices contained in the original material.
      • Images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s).
      • No logos, trademarks, or service marks displayed on this Website may be printed or downloaded, except as part of the text of which they derive from.
      • You must not modify the paper or digital copies of such information, content, material, or data.
      • It may not be excerpted, utilized, used, reproduced, published, reformatted and/or displayed on any other website without our prior written consent.
      • The status of us and our licensors as the authors of such information, content, material, or data must be acknowledged.
    2. All intellectual property rights (copyright, design, patents, inventions, logos, business names, trading names, service marks, trademarks, domain names, moral rights, databases, data, source codes, software, specifications, processes, and business methods) whether registered or unregistered in and relating to the website (and all content and data it features) belongs to Need a Loan and our licensors. All such rights are reserved.
    3. Unless explicitly stated elsewhere in the Terms of Use, no intellectual property rights belonging to either Need a Loan or its licensors may be used, copied, modified, published, transmitted, displayed, sold, excerpted, reverse engineered, made available reproduced, reformatted or distributed without prior written consent.
    4. All rights pertaining to the website are owned by Need a Loan.
  5. Limits to our Liability

    1. Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.
    2. Though Need a Loan is committed to ensuring the accuracy of all information and data on the website, we do not check, monitor, review, verify, or endorse, and are not responsible or liable for any loss of damage you may suffer in relation to information and data collected from or provided by third parties displayed on the website, or any third party websites. Such information and data may be inaccurate, incomplete, or out of date. You are responsible for checking that all information and data is accurate and up to date.
    3. Any views, opinions, advice, reviews, ratings, comments, and user content on this website or any third-party websites that are made by third parties do not represent our views, opinions, or advice; should not be relied upon by you; and are not checked, monitored, reviewed, verified, or endorsed by us. Need a Loan is not responsible or liable for any loss or damage you incur as a result of these opinions, advice, reviews, ratings, or comments including in relation to their accuracy, truthfulness, or completeness.
    4. Need a Loan does not provide warranty that the website or any related third party site is free from viruses, spyware, malicious software, trojans, or any other type of harmful or destructive technology. You are advised to use virus-checking software. Need a Loan is not responsible or liable for any damages incurred where caused by a third party.
    5. Need a Loan is not liable for any loss or damage suffered or incurred in connection with your use of the website, which is caused by an event beyond our reasonable control. This includes the electronic transmission of information, content, material, and data over the internet and the interception or decryption of it by others.
    6. Need a Loan is not liable for any indirect loss or damage suffered in connection with your use of the website.
    7. Need a Loan is not liable for any loss or damage resulting in your inability to access or use the website for any reason.
  6. Disclaimer of Warranties

    1. Use of the website and its services is at your own risk. Neither the materials, submissions, nor the third-party content have been verified or authenticated by Need a Loan, and may include inaccuracies, typographical, or other errors. Need a Loan does not warrant the accuracy or timeliness of the materials, submissions, or third-party content contained on the website. Need a Loan has no liability for any errors or omissions in the materials, submissions, or the third party content, whether provided by Need a Loan or our licensors.

      The website, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED, OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS, OR THIRD-PARTY CONTENT RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT, AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE,” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. LowestRates.ca DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE, OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.

  7. Exclusion of our liability in respect of third-party advice, assistance, websites, and products or services

    1. The website allows you to engage with services. These services are offered by third parties, not Need a Loan. Need a Loan has no control over the quality or validity of the offers made by these third parties. It is your responsibility to ensure you are satisfied with any service you obtain via the website. Need a Loan is not responsible or liable for any loss or damage suffered in connection with the services obtained through the website, or for acts, omissions, errors, or defaults of any third-party service or action.
    2. Be aware that all descriptions and information of third party services may not represent complete descriptions of all features and terms and conditions of the services and products you may obtain. You are responsible for ensuring that you fully understand the terms and conditions connected to any service you encounter.
    3. All services obtained via Need a Loan will be contracted with a third party who provides the service on their terms and conditions. You are responsible for understanding those terms and conditions before entering into a contract. Need a Loan is not responsible or liable for any loss or damage suffered or incurred in connection with the terms and conditions applying to any contract you enter into with a third party.
    4. Need a Loan provides links for the website and emails sent to you as part of our service to the website of third parties. We do not own or operate these third-party companies, and we have no control over their actions. You access third-party websites at your own risk and discretion. You are responsible for any and all use of these websites and for any decision to obtain products and services available on these websites. All links provided to third-party websites are provided for interest and convenience only. Their content, products and services, information, opinions, views, and advice are those of the third party, not Need a Loan. We are not responsible or liable for any loss or damage you may suffer during engagement with a third-party website, or any misinformation provided by a third party.
    5. The use of any third-party website linked to by Need a Loan will be governed by the private policy and terms of use for that website. Those terms and policies may be different from the website. It is your responsibility to understand and comply with the policy and terms of all third party websites. Need a Loan is not responsible or liable for any loss or damage suffered in relation to the terms and policies stated by third-party websites.
    6. All views, advice, assistance, and opinions offered by third parties after using the website do not represent our views, opinions, or advice. They are not verified, checked, or endorsed by Need a Loan, nor do we take responsibility for them. You act or refrain from acting upon any third-party information at your own discretion. Need a Loan is not responsible or liable for any loss or damage incurred in connection with the views, advice, information or services provided by third parties, in regard to truthfulness, accuracy, completeness, acts, omissions, errors or any other form of content.
    7. The website provides information on a wide range of services and products. Please be advised that there may be more suitable services and products not included on the website.
  8. Your Responsibilities

    1. You are responsible for taking all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material or data you provide (including User Content as described in paragraph 4.5) is free from viruses, spyware, malicious software, trojans, worms, logic bombs, and anything else that might contaminate, harm, or destroy any part of the website, and the websites of third parties, as well as the technology used by both.
    2. You may complete a registration process as part of your use of the website, which may include the creation of a username, password, and/or other identification information. Any username, password, and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password, and/or other identification information, you are solely responsible for all activities undertaken on the website using your username, password, and/or other identification information.
    3. You are responsible to ensure that all information you provide the website is correct, and in no way misleading, and that you disclose all relevant facts. We accept no responsibility or liability for damages deriving from misinformation provided by you.
    4. You are responsible for confirming the validity of all information you provide to third-party websites. It is your responsibility to identify and correct any mistakes or errors in the information, content, material, or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material, or data held by the third party about you is not correct, complete, and accurate or if it is misleading or if you have failed to disclose all relevant facts.
    5. If submitting information on behalf of another person, you are confirming to us that you do so with their permission and that they understand how their information will be used. You are responsible for acquiring permission before submitting someone else’s information.
    6. You agree that you are liable to us for all damages, loss, claims, demands, liability or expense, including legal fees, that Need a Loan suffers as a result of your conduct on the website.
  9. Privacy

    1. We acquire and process your information as outlined in our Private Policy. By using the website, you agree to the terms stated in the Private Policy.
  10. Miscellaneous

    1. This website is intended for use by residents of Canada. Need a Loan makes no warranty or representation that the services offered by the website or by associated third parties are available or accessible outside of Canada. If you use the website from outside, or as a resident of a country other than Canada, you do so at your sole risk, and are responsible for compliance with all applicable local laws.
    2. If any provision of the Need a Loan Terms of Use are deemed unlawful, invalid, or unenforceable, that provision will be deleted from the Terms of Use. The remaining terms will remain unaffected.
    3. These Terms of Use constitute the entire agreement between you and Need a Loan, relating to your use of the website. These terms supersede any prior agreements, including any previous version of these terms featured on the website.
    4. No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
  11. Governing Law

    These Terms of Use and your use of the website are governed in all respects by the laws of the Province of Ontario, without giving effect to any principles of conflicts of laws. Any dispute concerning the website or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in the Province of Ontario.

    In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from, and shall not affect the validity or enforceability of the remaining provisions.