The funds will be disbursed from our account. This service does not constitute an offer or solicitation for short term loans in all provinces. This service may or may not be available in your particular area. Regardless of where you may be viewing or accessing this site, you as the borrower are responsible for complying with any local statutory obligations that may exist in your area with respect to this transaction. All aspects and transactions on this site will be deemed to have taken place at our location.
A Payday Loan or Cash Advance is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems.
Terms and Conditions
In your Loan Agreement the words "you" or "your" mean the customer identified on front of agreement. The words "Us," "We," and "Our" mean the Lender.
As set forth herein, you accept the terms and conditions as outlined in this Agreement by authorizing us to make you a loan under federal laws and the laws of the jurisdiction
where you reside. This Agreement is confirmation of our agreement including the terms which were available through our designated service, and on our website located at
www.faxlesspaydayloan.ca prior to the completion of the transaction.
2. Liability Disclaimer
Faxless Payday Loans is not responsible for late, lost, incomplete, illegible, misdirected or stolen messages or mail, unavailable network connections, failed, incomplete, garbled or delayed computer transmissions, on-line failures, hardware, software or other technical malfunctions or disturbances or any other communications failures or circumstances affecting, disrupting or corrupting communications.
Faxless Payday Loans and the Third Parties assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing on
www,faxlesspaydayloan.ca or downloading of any materials, data, text, images, video, or audio from our site. In no event shall
Faxless Payday Loans be liable for any injury, loss, claim, damage, or any special, exemplary, punitive, direct, indirect, incidental, or consequential damages of any kind.
Acceptance of this Agreement by us is deemed to have taken place in Ontario. Both parties agree to have any conflict about this Agreement between the parties resolved in Ontario only, forsaking any other venue which either party may claim by virtue of its residency.
4. Electronic Presentment of Funds
You agree to the electronic presentation by us of any funds owed and to the re-presentation of any presentations that are returned to us for any reason. Such electronic re-presentation may be for less than the original amount owed us or in any increments totaling the amount due including the maximum permissible non-sufficient funds fees charged by us in accordance with our Loan Note and Disclosure, and laws.
Further, by submitting the application form, the customer authorizes us or our designated service, and the customer's current verified financial institution (even if the financial institution and/or account numbers are different than those on the original application) to initiate debit and us or our designated service and/or assigned collection agency to submit partial payments to allow full repayment of the cash advance and any/all associated fees to be completed. The customer authorizes us or our designated service to make both debit and credit entries, to and from any bank account of the customers at any institution, from time to time, for fixed and variable amounts, including recurring transactions and point-of-sale transactions, according to the terms of the customer's agreement. The customer understands and agrees that we or our designated service do not need to notify the customer prior to any recurring debit entry for a fixed amount, or prior to any point-of-sale debit entry initiated by the customer, or prior to any credit item.
You agree that electronic mail, electronic forms, records, photocopies, and/or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.
6. Electronic Signature/Verbal Consent
By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online information application by Internet or by phone, you are applying for a cash advance and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature or verbal consent by phone, you are not presently involved in, or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give the Lender consent to obtain information on you from a consumer reporting agency or other various means available. You understand that the Lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification.
7. Promise to Pay
You promise to pay us the Amount Financed, the Finance Charge and other permitted charges according to the Agreement. You acknowledge and agree that you are indebted to us in the amount of the Total of Payments, and that the amounts set forth in the Agreement are not in dispute.
You have made promise to pay us or to our order, per your signature on original Agreement in one payment on the date indicated in the payment schedule. You authorize us to effect this payment by one or more
EFT debits and or demand bank draft debit entries to your account of your financial institution (bank or credit union) until this cash advance comes due. You authorize us to effect this payment by one or more
EFT debits and or demand bank draft debit entries to your account of your (bank or credit union) financial institution until this cash advance note is paid in full. You have confirmed that you are not in bankruptcy proceedings, nor do you contemplate or plan on filing bankruptcy in the future.
You promise to keep open and maintain an adequate balance in your account to assure all payments are made to us in a timely manner on the scheduled due date(s), until this cash advance note is paid in full.
8. Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our web sites and systems including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by us the Lender and/or its affiliates and designated servicer.