Terms of Service

1. About Our Service

24/7 Bad Credit Loans is a referral and information service that connects borrowers with licensed lending partners across Canada. We are not a direct lender, and we do not make lending decisions, set interest rates, or approve or deny loan applications. We provide educational content and facilitate connections between you and third-party lenders who may be able to help.

Our lenders are licensed financial institutions operating under provincial and federal regulations. Any loan agreement you enter into is between you and the lender, not with 24/7 Bad Credit Loans.

2. Eligibility and Your Responsibilities

To use our service, you must:

• Be at least 18 years old
• Be a Canadian resident
• Provide accurate and complete information in all forms and communications
• Have a valid email address and phone number

You are solely responsible for the accuracy and truthfulness of any information you provide. Submitting false or misleading information may result in immediate termination of service and potential legal consequences.

3. No Guarantee of Approval

While we welcome all credit situations, including those with poor credit history, bankruptcy, or no credit, we cannot guarantee that you will be approved for a loan. Approval depends entirely on the lender's underwriting criteria, your financial profile, and their lending policies. Lenders may decline applications for any reason permitted by law.

We do not influence lending decisions and have no control over which lenders will work with you or what terms they may offer.

4. Use of Information and Privacy

When you submit your information through our site, you authorize us to share it with our network of licensed lenders and service partners. Your data will be handled in accordance with our Privacy Policy.

You may receive communications from lenders, including phone calls, emails, and text messages, at the contact details you provide. You can opt out of marketing communications by following the instructions in those messages or by contacting the lender directly.

5. Fees and Costs

24/7 Bad Credit Loans does not charge you any fee for using our referral service. We are compensated by our lending partners when a successful referral is made. This does not increase the cost of any loan to you.

Any fees, interest, or charges associated with a loan are determined solely by the lender and will be disclosed in your loan agreement. You are responsible for reviewing and understanding all terms before accepting a loan offer.

6. Responsible Borrowing

We encourage all borrowers to borrow responsibly and only take on debt they can repay. Before accepting any loan offer, carefully review the interest rate, term, payment schedule, and all associated fees. If you have concerns about a lender's terms or practices, please contact your provincial financial regulator.

For more information on borrowing responsibly, see our Responsible Borrowing guide.

7. Limitation of Liability

24/7 Bad Credit Loans provides its service on an "as-is" basis. We make no warranties, express or implied, regarding the accuracy, completeness, or reliability of our information or the services of our lending partners.

To the fullest extent permitted by law, 24/7 Bad Credit Loans shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our service, including damages related to loan terms, lender conduct, or any financial loss you may experience.

Our total liability to you for any claim arising from these terms shall not exceed the amount you paid to us, which is zero if you have not been charged a fee.

8. Third-Party Lenders and Links

Our site contains links to and information about third-party lenders and service providers. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of any third party. Your use of third-party services is governed by their own terms and privacy policies.

We recommend that you review each lender's terms and conditions before applying for a loan.

9. Prohibited Uses

You agree not to use our service for any unlawful purpose or in any way that violates these terms. Prohibited conduct includes:

• Submitting false or fraudulent information
• Attempting to access or modify our systems without authorization
• Harassing, threatening, or abusing our staff or partners
• Using our service to facilitate money laundering or other illegal activity
• Violating any applicable federal, provincial, or local law

Violation of these prohibitions may result in termination of your access and referral to appropriate authorities.

10. Termination of Service

We reserve the right to terminate or suspend your access to our service at any time and for any reason, including violation of these terms, submission of false information, or suspected fraudulent activity. Termination does not affect any loan agreement you have already entered into with a lender.

11. Changes to These Terms

We may update these Terms of Service at any time without prior notice. Your continued use of our service following any changes constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

12. Governing Law

These Terms of Service are governed by the laws of Canada and the province in which you reside, without regard to conflict of law principles. Any legal action or proceeding arising from these terms shall be brought exclusively in the courts of that province.

13. Contact Us

If you have questions about these Terms of Service or our service in general, please contact us through the information provided on our website. We are committed to addressing your concerns promptly and professionally.

Page reviewed by: Steven Love