Terms and Conditions

Last Updated: [Insert Date]

1. Introduction

Welcome to BorrowMoney.ca (“Website”, “we”, “us”, or “our”). By accessing or using this Website, you agree to be bound by these Terms and Conditions.

If you do not agree, please do not use this Website.

2. Not a Lender or Broker

BorrowMoney.ca is not a lender, loan provider, or financial institution.

  • We do not issue loans
  • We do not make credit decisions
  • We do not guarantee approval or rates

We operate solely as a lead generation and marketing platform that connects users with third-party lenders or financial service providers.

3. No Financial Advice

The content on this Website is for informational and marketing purposes only and does not constitute:

  • Financial advice
  • Legal advice
  • Credit advice

You should consult a licensed professional before making financial decisions.

4. How the Service Works

By submitting your information:

  • You consent to be matched with third-party lenders or partners
  • Your information may be shared with multiple providers
  • You may be contacted via:
    • Phone
    • Email
    • SMS (where permitted)

We do not control the terms, rates, or decisions of any lender.

5. Eligibility

To use this Website, you must:

  • Be at least 18 years old (or age of majority in your province)
  • Be a resident of Canada
  • Provide accurate and truthful information

Providing false or misleading information may result in denial of service.

6. No Guarantee of Approval

Submitting a request does not guarantee:

  • Loan approval
  • Specific interest rates
  • Loan amounts
  • Funding timelines

All decisions are made solely by third-party lenders.

7. Third-Party Relationships

BorrowMoney.ca may receive compensation from partners for referrals.

We are not responsible for:

  • Loan terms or agreements
  • Fees or interest rates
  • Actions of third-party lenders

You are responsible for reviewing any lender’s terms before accepting an offer.

8. Rates, Fees & Disclosures

Loan products in Canada may include:

  • High-interest rates
  • Fees and penalties
  • Short repayment periods

You should carefully review all loan agreements. Some lenders may offer high-cost credit products depending on your credit profile.

9. Consent to Communications (IMPORTANT)

By submitting your information, you expressly consent to:

  • Being contacted by lenders and partners
  • Automated calls, emails, and SMS messages
  • Communications even if you are on a Do Not Call list (where permitted by law)

You may opt out at any time via instructions provided in communications.

10. Privacy

Your use of this Website is also governed by our Privacy Policy.

We collect and share personal information with third parties for the purpose of matching you with financial services.

11. Limitation of Liability

BorrowMoney.ca is not liable for:

  • Any financial loss or damages
  • Decisions made by lenders
  • Inaccurate or incomplete information
  • Delays or failures in service

Use of this Website is at your own risk.

12. No Warranty

We provide this Website “as is” without warranties of any kind, including:

  • Availability
  • Accuracy
  • Reliability

13. Intellectual Property

All content on this Website is owned by BorrowMoney.ca and may not be copied or reused without permission.

14. Changes to Terms

We may update these Terms at any time. Continued use of the Website constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of:

  • The Province of Ontario
  • The laws of Canada

16. Contact Information

BorrowMoney.ca is not a lender and does not make credit decisions. For questions regarding a loan offer, please contact the lender directly.

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