Terms and Conditions

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.

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