[26 sep-2024]
Welcome to Payday Rocket. By accessing or using our website (the "Website") and services, you agree to comply with and be bound by the following Terms and Conditions ("Terms"). Please read these carefully before using our services. If you do not agree to these Terms, please do not use our Website and services.
1. Definitions
“We,” “Us,” and “Our” refer to Payday Rocket.
“User” or “You” refers to any individual and entity accessing or using the Website or services.
“Services” refer to any loan connection and information services offered through Payday Rocket.
2. Nature of Service
Payday Rocket is not a direct lender. We provide an online platform that connects users with lenders offering payday loans and personal loans. By submitting your information, we introduce you to potential lenders who may offer you loan products based on creditworthiness and financial needs.
Payday Rocket does not:
- Approve or fund loans.
- Control the loan amounts, interest rates, or terms. These are determined by the lenders.
- Guarantee any specific loan offer and lender.
- Understand that any loan agreements made are strictly between you and the lender.
3. Eligibility
To use our services, you must meet the following criteria:
- Be at least 18 years of age.
- Be a Canadian resident.
- Have a valid Canadian bank account.
- Provide accurate, truthful, and complete information during the application process.
- By using the Website, you confirm that you meet these eligibility requirements.
4. Loan Terms
The loan terms, including the loan amount, interest rates, fees, and repayment schedule, are established by the lender. Payday Rocket is not responsible for the lender’s terms or their devotion to applicable laws.
Before incoming into any loan agreement, you should carefully review the lender’s terms and conditions. Payday Rocket is not liable for any differences arising from your loan agreement with the lender.
5. User Responsibilities
By using the Payday Rocket Website, you agree to:
- Provide accurate, up-to-date, and complete information when applying for a loan.
- Use the Website and services only for lawful purposes.
- Avoid engaging in fake and deceptive activities when using our services.
- Ensure the security of your login credentials and personal information.
- Payday Rocket reserves the right to suspend or terminate access to the Website if we suspect you are in violation of these Terms.
6. No Guarantee of Loan Approval
Payday Rocket does not guarantee that you will be matched with a lender and that any lender will approve loan application. Loan approvals are based on the lender’s independent evaluation of your wealth, financial history, and other factors.
We also do not guarantee the availability of loans in all provinces and areas across Canada.
7. Fees and Costs
Payday Rocket does not charge users any fees to apply for loans or use our services. However, individual lenders may charge fees or interest on the loans they offer. These may include:
- Origination fees
- Late payment fees
- Interest charges
It is your responsibility to review and understand all fees and costs associated with the loan from the lender before accepting the loan terms.
8. Limitation of Liability
To the fullest extent allowed by law, Payday Rocket and its officers, employees, agents, or partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from use of the Website services, including but not limited to:
- Loss of data
- Loss of profits
- Loan rejection
- Any harm resulting from interactions with third-party lenders
Payday Rocket is not responsible for any differences and legal issues that may arise between you and the lender.
9. Disclaimer of Warranties
Payday Rocket provides its services on an "as-is" and "as-available" basis. We do not warrant that:
- The Website or services will be uninterrupted, error-free, or secure.
- The information provided on the Website is accurate, complete, or current.
- Lenders introduced to you will approve any loan or offer favorable terms.
- All risk associated with the use of our services is assumed by the user.
10. Privacy Policy
Your use of the Website is also governed by our [Privacy Policy](link to privacy policy), which outlines how we collect, use, and share your personal information.
11. Third-Party Links and Services
Our Website may contain links to third-party websites or services that are not owned or controlled by Payday Rocket. We are not responsible for the content, privacy performs, or terms of use of these external sites. You are encouraged to review the third-party websites' own terms and policies before networking with them.
12. Indemnification
You agree to indemnify, defend, and hold harmless Payday Rocket, its officers, employees, and partners from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from use of the Website and services, any violation of these Terms, or any violation of valid laws or regulations.
13. Modifications to Terms
Payday Rocket reserves the right to modify and update these Terms at any time. If changes are made, the “Effective Date” will be updated, and we notify you through a prominent notice on our Website. Your continued use of the Website after the changes constitutes your acceptance of the reviewed Terms.
14. Termination
We may terminate or suspend access to the Website and services at our discretion, without prior notice, if you violate these Terms or engage in any fraudulent or unlawful activity. Upon finish, you must cease using the Website and all associated services immediately.
15. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the Province of Ontario, Canada. Any disputes arising under these Terms shall be resolved exclusively in the courts located within that jurisdiction.
This Terms & Conditions page sets clear guidelines for users, outlining the relationship between the service and the users, as well as protecting Payday Rocket legally. Let me know if you need any further modifications!
