Personal Loan Pro Online Terms and Conditions

Last updated: August 2018.

This website (the “Site”) and the services offered through this Site are provided by (““, “we“, “us” or “our“) for the use of individual users. All rights not expressly granted to users under these Terms are hereby expressly reserved by, and any additional uses of the Site or its contents require our prior written permission. For further information please contact [email protected] These terms and conditions (“Terms“) govern your (“user“, “you” or “your“) use of the Site and our services, as well as any content downloaded from or accessed through the Site, and constitute a legal contract between you and Please read these Terms in their entirety because your use of the Site, other than to review these Terms, signifies your consent to be legally bound by and to comply with these Terms. We reserve the right to change the Terms and Conditions at any time. At any time without notice or liability, and for any reason, we may update, change, suspend or terminate any aspect of these Terms or the Site. Please consult these Terms each time that you use the Site. Your continued use of the Site for 15 days or more following the posting of changes to these Terms will mean that you accept and agree to those changes. Notwithstanding the above, unless otherwise required by law, any application that you submit to us will continue to be governed by the version of these Terms in effect at the time that the application is submitted. If you do not agree with these Terms, you may not access or use the Site or our services. LIMITED LICENSE Subject to your compliance with these Terms, grants you a limited, personal, non-exclusive, non-transferable license to use the Site and our Content (as defined below) solely for the purpose of viewing, storing, processing and downloading information for personal use in connection with your use of our services. Except as expressly permitted in these Terms, you agree not to reproduce, make derivative works of, retransmit, distribute, sell, publish, sublicense, commercialize, communicate, broadcast or otherwise make available the Site or any Content, or other information and materials obtained through or in connection with the use of the Site, including without limitation, by caching, framing, deep-linking or similar means. PRIVACY Your use of the Site and our services, and our use of certain information about you, are subject to our privacy policy, which is incorporated by reference into these Terms. Please read the Privacy Policy carefully prior to using the Site and our services. Through your use of the Site or our services you agree to the collection, storage and use of your information in accordance with the Privacy Policy. In case of any inconsistency between these Terms and any terms set out in the Privacy Policy, the terms of the Privacy Policy will prevail. RIGHTS TO UNSOLICITED COMMENTS AND IDEAS All information, data, text, graphics, images, video, messages, ideas, reviews, opinions, questions, suggestions and other materials (“Content“) that are posted, e-mailed, transmitted, uploaded or otherwise submitted through your use of the Site or our services are submitted at your own risk and are your sole responsibility. If you are posting Content belonging to or generated by or on behalf of a third party, you warrant that you are authorized to act on behalf of that third party and to bind them to these Terms. You should not submit any Content that may cause harm or injury to any party. Do not publicly disclose any personal information about yourself or others. Except in the case of any Feedback (as defined below), you or a third party licensor retain all intellectual property rights in any Content that you submit. By submitting any Content, whether on your own behalf or on behalf of another party, you hereby grant to us a royalty-free, worldwide, transferable, non-exclusive right and license to use, reproduce, modify, edit, adapt, publish, translate, create derivative works from, distribute, disseminate, perform, transmit and display such Content (in whole or part) in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Content, without compensation or obligation to you or any other party. The rights granted hereunder may be freely assigned or sub-licensed by us to any party. If you submit any ideas, comments or other feedback (“Feedback“) to us regarding the Site or our services, you agree that such Feedback (including all rights, title and interest therein) automatically become our property, and you forfeit all rights that you may have in such Feedback. For greater certainty, you agree that and its affiliated companies may use and exploit any Feedback in any way at their discretion, without compensation or obligation to you or to any other party. You represent and warrant that you have the necessary right to grant us the rights you are granting in respect of any Feedback you provide and you hereby waive all “moral rights” in and to such Feedback. USER CONDUCT You agree that you are responsible for your own conduct when using the Site and our services. Misuse or unauthorized use of the Site, its contents,’ services, network and systems, or of any information, forms, images or other materials on the Site is strictly prohibited and reserves the right, at its sole discretion and without liability or prejudice to any other remedies that it may have, to immediately suspend or terminate access by any user who is using, or who reasonably believes is using the Site or its services in violation of these Terms. You agree that you will use the Site (including contents) and the services only in ways that are legal, proper and in accordance with these Terms, accepted Internet protocol, and applicable rules, policies and guidelines. Without limiting the generality of the foregoing, by using the Site, you agree not to: We may, but are under no obligation to, pre-screen or monitor any Content other than our own. We reserve the right, but do not assume the obligation, to remove postings, and/or to ban users who violate these Terms from using the Site or our services in addition to pursuing any other rights or remedies available at law. Except where prohibited by law, we also reserve the right to reveal users’ identities (or any other information that we may know about users, including IP address(es) in the event of a complaint or legal action, including a request by law enforcement authorities. assumes no liability or responsibility for any unauthorized modifications to the Site, or for any information posted, uploaded or otherwise added to the Site by any party other than You understand that by using the Site or our services, you may be exposed to Content that is incomplete, inaccurate, high risk, unlawful, offensive or objectionable. Under no circumstances will we be liable in any way for any loss, damage or injury (including, but not limited to, death or economic loss) related to, or arising from the use or loss of, any Content (whether yours, ours or someone else’s) including, but not limited to, as a result of any errors or omissions in any Content or on the Site. THIRD PARTY CONTENT AND DISCLOSURE provides the Site to you as a service, which allows you to receive information on various debt programs. You understand and agree that the submission of an application to us is not an application for a debt program. does not provide or facilitate a debt program, nor does it provide legal advice or offer credit repair services. If you require legal advice, you will need to consult with a licensed attorney. Further, you agree that any debt program or financing will be subject to separate terms and conditions to be agreed between you and the third party(ies) providing the debt program or financing. is merely a distributor, and not a publisher, of any services, advertisements or other content offered or supplied by third parties that is accessed via the Site or otherwise through your use of our services. does not have administrative or other control over such third party products and services, offers no warranties or representations, and accepts no responsibility or liability in respect of any third party products or services, or a user’s use of them. In any transactions or proposed transactions with third parties, including debt companies and credit organizations who you have come in contact with through the use of the Site and/or our services, you agree that is not the seller or provider. Your agreement to purchase any products or services from a third party or to otherwise enter into negotiations or transactions with a third party is solely between you and the third party, and not us. Under no circumstances will be responsible or liable for any loss or damage of any kind incurred as a result of, or in connection with, any discussions, negotiations, correspondence, agreements or other business dealings by you with any third parties, including any debt companies, credit organizations or advertisers found on or through the use of the Site, and including payment for and delivery of related goods and services. Further, you acknowledge and agree that does not guarantee the products or services of any of the persons or organizations to whom we provide your personal information, or that any person or organization will offer or provide you with products or services at any rate or at all. All products and services of the providers presented on the Site that are described, made available or provided on the site may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the agreements governing their use that are in force at the time of the provision or delivery of the product or service. The information, material and content provided in the pages of the Site by a service provider, including pricing information, is believed to be reliable when added to the Site, but there is no guarantee that it is accurate, complete or current at all times. Please verify all savings estimates, fees and other program information directly with a debt specialist from your product vendor or service provider. Without limiting the generality of the foregoing, the information may include technical inaccuracies or typographical errors, and the service providers and their officers, directors, employees and agents have no obligation to update the information. The information or the Site may be changed, withdrawn or terminated at any time without notice. You understand that providers may keep your request information and any other information provided by or through or received by them in the processing of your request, whether or not you are qualified for the product or service with them or if you acquire a product or service with them. You agree to notify any particular provider directly if you no longer want to receive communications from them. The Site may contain hyperlinks to other web sites (“Linked Sites“) that have been developed by advertisers and other third parties, which are not under the control of provides hyperlinks to the Linked Sites as a convenience only, and their inclusion does not imply warranties, representations, endorsements, approvals, verification or investigation by or its agents of the Linked Sites, or of any products or services offered on or through the Linked Sites. Further, is not responsible for the contents of the Linked Sites, and is not acting as a publisher or disseminator of information or materials contained on any Linked Site or any hyperlink contained on a Linked Site. You acknowledge that the use of Linked Sites may be subject to terms and conditions contained on those Linked Sites, and you agree that you are solely responsible for your use of any Linked Site. INTELLECTUAL PROPERTY The Site, our services, and any Content and other information and materials created or supplied by us, and the selection and arrangement thereof, are owned by us (or our third party licensors) and are protected by Canadian and international copyright and other intellectual property laws and treaty provisions. “” and other trademarks and design marks, trade dress, domain names, service names, logos and associated designs used in connection with the Site or our services are trademarks and/or registered trademarks of and/or its affiliates, licensors, or related companies, and may not be used, copied, or imitated, in whole or in part, without our prior written permission. All other products, brand and company names and logos used or mentioned on the Site, any listings or other Content accessed through the Site or the use of our services, may be the trademarks (registered or unregistered) of their respective owners. The use of any trademark without the express written consent of the owner of the trademark is strictly prohibited. You will not remove, alter or conceal any trademark or other proprietary rights notices incorporated into or accompanying the Site, any of our Content or any other information or materials accessed through the Site or the use of our services. INDEMNITY You agree to defend, indemnify and hold us, our affiliates and licensors, and each of our respective officers, partners, directors, employees and agents harmless, from and against any and all claims, actions or demands, including without limitation reasonable legal and accounting fees, resulting from or related to: (a) your breach of these Terms, including the Privacy Policy which is incorporated into these Terms by reference; (b) your access to or use of the Site, or our or any other party’s Content; (c) your submission of any Content; (d) your misuse of our services; (e) your use of or reliance upon, or publication, communication or distribution of any materials from any third party source; or (f) your violation of any other party’s rights including, without limitation, any intellectual property, privacy or proprietary right, or obligation of confidentiality. You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. DISCLAIMER OF WARRANTIES You expressly understand and agree as follows: You acknowledge and agree that if you are dissatisfied with the site or our services, or with any results obtained through their use, your only remedy is to discontinue use of the site and our services. LIMITATION OF LIABILITY You expressly understand and agree that we will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages of any kind, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages), resulting from: (i) the use or the inability to use or access the site, our systems, any content, or any materials, products, services, offerings or information obtained through the use of the site or our services; (ii) any errors or omissions in the site or any content; (iii) the suspension or termination of your ability to access the site; (iv) any interruption or cessation of transmission to or from our site or failure of our systems; (v) the cost of procurement of substitute goods and services; (vi) unauthorized access to or alteration of our systems or your transmissions, data and/or personal or financial information; (vii) statements or conduct of any third party using the site; (viii) any bugs, viruses or the like that are transmitted to or through our site by any third party; or (ix) any other matter or event relating to your or any other party’s use of the site or our services. your sole remedy under these terms shall be to discontinue use of the site and our services. You expressly acknowledge that we have entered into this agreement with you, and have and will make the site and our services available to you in reliance upon the limitations and exclusions of liability and the disclaimers set forth in these terms, and that the same form an essential basis of the bargain between you and us. you expressly agree that the limitations and exclusions of liability and the disclaimers set forth in these terms will survive, and continue to apply in the case of, fundamental breach or breaches, the failure of essential purpose of contract, the failure of any exclusive remedy, or termination of the agreement between you and us. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages and, accordingly, some or all of the above limitations may not apply to you. in such jurisdictions, you agree that our liability shall be limited to the greatest extent permitted by applicable law. TERMINATION You may discontinue your use of the Site and/or our services at any time, for any reason or for no reason. Any program agreements that you may have entered into as a result of using our services will continue in accordance with their terms. In addition to any other termination rights that we may have, we reserve the right to modify, suspend, discontinue or terminate the Site or any party’s ability to access or use the Site, our services, our materials or other Content, at any time and for any reason (or no reason), including any breach by you of these Terms. Upon termination, you will have no further right to use the Site or our services, and any rights and licenses granted to you under these Terms will terminate. Termination or other discontinuation of your use of the Site or our services will not relieve you of any obligations arising prior to termination regarding the use and protection of intellectual property or confidential information, ownership, or indemnification nor will it relieve you of any liability for any breach of these Terms. Upon termination (subject always to applicable laws) we will have the right, but not the obligation, to retain any Content or other information that you have submitted. GOVERNING LAW AND JURISDICTION The Site originates, and is owned by parties having operations in the Province of Saskatchewan and elsewhere in Canada. These Terms will be interpreted, construed and governed by the laws in force in the Province of Saskatchewan, and the federal laws of Canada applicable therein, without reference to its conflicts of laws principles. Each party hereby agrees to submit to the exclusive jurisdiction of the courts of the Province of Saskatchewan sitting at Regina, and to waive any objections based upon venue. You agree that any claim or action brought by you in connection with these Terms or your use of the Site or our services shall be brought within twelve (12) months of the first occurrence of the loss or damage on which the claim is based. AUTHORIZED USERS Use of this Site and our services are available only to residents of Canada who have attained the age of majority in their province of residence. Any products and service offered through the Site are offered only in jurisdictions where they may be legally offered, and are offered only to persons to whom it is lawful to make a solicitation. You agree to comply with all applicable laws, rules and regulations governing your use of the Site and our services. NO ADVICE does not provide specific financial, investment, accounting, tax or legal advice of any kind. The materials on this Site are not intended to be, or should they be interpreted as, legal opinion or advice, and should not be acted or relied upon in that regard without seeking the advice of a professional. Your advisor can help to ensure that your own circumstances have been properly considered and any action is taken on the latest available information. You should apply your own judgment in making use of any products, services or content provided on or through the Site, including, without limitation, the use of any information contained therein as the basis for any conclusions. You are responsible for your own research and decisions regarding the purchase of any product or service. MISC These Terms contain the entire agreement between you and us governing your use of the Site and our services. The legal agreement created by your acceptance of these Terms is personal, and cannot be transferred or assigned by you. We may assign this agreement and/or any of our rights or obligations under these Terms at any time. Our failure to exercise or enforce any right or remedy under these Terms shall not constitute a waiver of such right or remedy. No use of the Site, any Content or our services shall create or be deemed to create any partnership, joint venture, agency, franchise or other business relationship, even if your use is for a commercial purpose which has been authorized by us. You and shall, at all times, be and remain independent contractors. The provisions of these Terms are severable. If any individual term or condition is held to be invalid, unenforceable or contrary to applicable law, such provision shall be construed, limited, altered or deleted, as necessary, to eliminate the invalidity, unenforceability or conflict with applicable law while endeavoring to preserve the intention of the provision, and all other terms and conditions shall remain in full force and effect. may communicate with you by email or by posting notices on the Site You may be asked to provide your consent to receive other communications. You further agree that these Terms, and all correspondence and documentation relating to these Terms and your use of the Site, shall be written in the English language. Vous acceptez que ces terms d’usage, ainsi que toute la correspondence et la documentation relative à ces termes d’usage, soient rédigées en langue anglaise. If you wish to contact us with any questions, comments or concerns regarding these Terms, the Site or our services, or to provide any notice pursuant to these Terms, please contact us at [email protected]