Acceptance of Terms

By accessing and using the 365 Loans Canada website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Description of Services

365 Loans Canada operates as a loan marketplace connecting consumers with potential lenders. We are not a lender and do not make credit decisions. Our role is to facilitate the connection between borrowers and lending partners.

Eligibility

To use our services, you must:

Be at least 18 years of age (19 in some provinces)
Be a Canadian citizen or permanent resident
Have a valid email address and phone number
Have an active bank account
Meet income requirements set by our lending partners

User Responsibilities

You agree to:

Provide accurate and complete information
Not use the service for any unlawful purpose
Not attempt to gain unauthorized access to our systems
Not impersonate another person or entity

No Guarantee of Loan Approval

Submitting a request through our website does not guarantee loan approval. All lending decisions are made by our independent lending partners based on their own criteria.

Provincial Regulations

Loan products and terms may vary by province due to provincial lending regulations. Our lending partners operate in compliance with applicable federal and provincial laws, including the Criminal Code of Canada provisions regarding interest rates.

Limitation of Liability

365 Loans Canada shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or any loan obtained through our platform.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Canada and the province in which you reside.

Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes are posted constitutes acceptance of the modified terms.

Contact

For questions about these Terms of Service, contact us at legal@365.loans.