Terms & Conditions
Disclaimers and Limitation of Liability
Payday Ninja matches prospective borrowers with leading loan providers in Canada. We promote various financial services and products for Canadian residents over the age of 18.
As a condition of extending credit, some lenders may run a credit check from a credit reporting bureau.
While we have taken all reasonable steps to ensure the accuracy, availability, correctness and completeness of the information contained on the Website, information is provided on an "as is", "as available" basis and we do not give or make any express or implied warranty or representation of any kind.
The use of the Website and the materials contained in it are entirely at your own risk. We shall not be liable for any losses or damages, whether direct or indirect, consequential or otherwise that you may suffer as a result of your use of the Website, including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorized use of the system arising from "hacking" or otherwise or your reliance on the information contained on the Website.
We do not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
We make no representations or warranties regarding the accuracy, functionality or performance of any third party software that may be used in connection with the Website.
Nothing in these terms or in the pages of the Website shall limit our liability for death or personal injury arising out of our negligence, or for fraud, or for any other liability, which cannot be excluded or limited under applicable law.
The information, material and content provided in the pages of the Website may be changed at any time without notice. Changes may be made to the terms at any time without notice by updating this posting. Any revised term shall take effect as at the date when the change is made to the Website. You agree to review the terms regularly and your continued access to or use of the Website will mean that you agree to any changes.
Third Party Websites
Links contained in the Website might lead to other Websites not under our control, and we accept no liability for the content or availability of any linked site that is not operated by us or any link contained in a linked site not operated by us. Links on the Website are provided to you only as a convenience and the inclusion of any link does not imply reliability and we do not necessarily endorse any pages linked to the Website. Accordingly, you should read the terms and conditions of those Websites before using them and direct any questions or comments about the linked Website's contents to the relevant Website provider.
Internet e-mail
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception, loss or possible alteration. We are not responsible for any message lost, intercepted or altered by third parties and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to us or any message sent by us to you over the Internet.
Trademarks and copyright
All copyright, trademarks and all other intellectual property rights in the Website and its content (including without limitation the page screens, information and material) included in the Website and all software and source codes connected with the Website is owned by Payday Ninja unless otherwise noted.
Data protection
We may, as a result of your interaction with the Website, hold and process personal information obtained about you when you access the Website and use it for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Payday Ninja and those of selected third parties, increase the effectiveness of our marketing efforts and for statistical analysis. We may pass this information to selected partners, as permitted by law so that they may do the same and they may pass information held by them about you to us so that we may do the same. We may also pass information for fraud prevention purposes and/or if required by law, governmental, judicial or regulatory bodies under proper authority, or under a strict code of secrecy to sub-contractors or persons acting as our agents or where we have your consent or have previously informed you.
Privacy Policy
Our privacy policy was created to adhere to Canada’s Federal Personal Information Protection and Electronic Documents Act (PIPEDA) formerly referred to as Bill C-6. The Act has two primary objectives:
1.
to establish rules that govern the collection, use and disclosure of personal information by private sector organizations; and
2.
to acknowledge the validity and legality of electronic documents
For more information regarding this legislation, please visit the official Web site of the Privacy Commissioner of Canada at http://www.privcom.gc.ca.
We recognize the importance of protecting your privacy and our policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our Website. This policy will be continuously assessed against new technologies, business practices and our customers' needs.
Fraud Prevention:
If false or inaccurate information is provided, including in relation to a persons identity and fraud is identified, details about this information, including customer personal data, will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: checking details on applications for credit and credit related and other facilities; managing credit and credit related accounts or other facilities; recovering debt; checking details on proposals and claims for all types of insurance; and checking details of job applicants and employees. For further details of the relevant fraud prevention agencies please contact us as described at the end of this Privacy Policy.
What Information Do We Collect?
When you visit this Website you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Website use information collected on an aggregate basis as you and others browse our Website.
1. Registration Information
When you register for any of our products, services or newsletters you will provide us information about yourself.
2. Email Information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.
3. Website Use Information
Similar to other commercial Websites, our Website utilizes a standard technology called "cookies" and web server log files to collect information about how our Website is used. Information gathered through cookies and web server logs may include the date and time of visits, the pages viewed, time spent at our Website, and the Websites visited just before and just after our Website.
Use of Information
We use personal information for purposes of; providing the loans requested, processing your payment, monitoring the use of the service, marketing and promotional efforts, improving our content and service offerings, and customizing our site's content, layout, services and for other lawful purposes.
Furthermore, such information may be shared with others on an aggregate basis. Personally identifiable information or business information will not be shared with parties except as required by law.
Occasionally, we may also use the information we collect to notify you about important changes to our Website, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers.
Sharing and Selling Information
We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the extent it is necessary to process transactions or provide services that you have requested. We may use statistical and email information for making lending decisions and servicing our relationship with you, for the purposes of fraud prevention and debt collection, to understand your financial needs, to conduct our business and to provide you with better customer services and products from both Payday Ninja and those of selected third parties, to evaluate the effectiveness of our marketing of the Website and for statistical analysis.
Accessing and Correcting Your Information
You may request access to all your personally identifiable information that we collect online and maintain in our database by emailing us.
Legally Compelled Disclosure of Information
We may disclose information when legally compelled to do so, or for the protection of our legal rights. We may also disclose account information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be violating our Terms of Service or to protect the safety of our users and the general public.
Websites Linked to Our Website
We are not responsible for the practices employed by Websites linked to or from our Website or the information or content contained therein. If you are linked to another Website, please read over those rules and policies before proceeding.
Your Consent
By using our Website you consent to our collection and use of your personal information as described in this Privacy Policy. We reserve the right to amend this privacy policy at any time without notice.
Opting Out
Please email us if you wish to Opt-Out of any email messages and you will be removed in a reasonable period of time.
Surveys & Contests
From time-to-time our Website requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as postal code and age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.
A Note about Minors
We do not target our services or the contents of this Website to minors less than 18 years of age.
Acquisition or Changes in Ownership
In the event that the Website (or a substantial portion of its assets) is acquired, your information would be considered part of those assets, and may be part of those assets that are transferred.
Policy Modifications
We will change this Privacy Policy from time to time and any changes will be posted here, therefore please review this policy periodically. Please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.