Welcome to our Terms and Conditions

It is Loan Spot's policy to respect your privacy regarding any information we may collect while operating our website. This Privacy Policy applies to www.loanspot.ca (hereinafter, "us", "we", or "www.loanspot.ca"). We respect your privacy and are committed to protecting personally identifiable information you may provide us through the Website. We have adopted this privacy policy ("Privacy Policy") to explain what information may be collected on our Website, how we use this information, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies only to information we collect through the Website and does not apply to our collection of information from other sources.

This Privacy Policy, together with the Terms and conditions posted on our Website, set forth the general rules and policies governing your use of our Website. Depending on your activities when visiting our Website, you may be required to agree to additional terms and conditions.

I allow that loanspot.ca can contact me via email or phone. Participating lenders may verify your social insurance number, driver’s license number, provincial id, or any other government identifications and review your information against federal databases to include but not limited to Equifax, Transunion, and Experian to determine credit worthiness, credit standing and/or credit capacity. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit. By clicking the checkbox you are opting in to be on the loanspot.ca mailing list. Loanspot.ca follows best practices of the Canadian fair trading act of 1999. All finance is subject to employment status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. Other referral companies may also contact me that LoanSpot.ca sends the application to. We can introduce you to a number of finance providers based on your credit rating.

Website Visitors

Like most website operators, Loan Spot collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Loan Spot's purpose in collecting non-personally identifying information is to better understand how Loan Spot's visitors use its website. From time to time, Loan Spot may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Loan Spot also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on http://www.loanspot.ca blog posts. Loan Spot only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below.

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Loan Spot's website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website and accepting the Company's terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services/products, in accordance with and subject to, prevailing law of . Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By using Loan Spot's website you consent to the use of cookies in accordance with Loan Spot's privacy policy.

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

License

Unless otherwise stated, Loan Spot and/or it's licensors own the intellectual property rights for all material on Loan Spot. All intellectual property rights are reserved. You may view and/or print pages from http://www.loanspot.ca for your own personal use subject to restrictions set in these terms and conditions.

You must not:

1. Republish material from http://www.loanspot.ca
2. Sell, rent or sub-license material from http://www.loanspot.ca
3. Reproduce, duplicate or copy material from http://www.loanspot.ca

Redistribute content from Loan Spot (unless content is specifically made for redistribution).

Hyperlinking to our Content

No use of Loan Spot's logo or other artwork will be allowed for linking absent a trademark license agreement.

Iframes

Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our Web site.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

1. limit or exclude our or your liability for death or personal injury resulting from negligence;
2. limit or exclude our or your liability for fraud or fraudulent misrepresentation;
3. limit any of our or your liabilities in any way that is not permitted under applicable law; or
4. exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty.

To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.