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Privacy Policy


AdvancesPaydayLoan.ca understands the importance of your privacy. Here, you will find our Privacy Policy. By using the AdvancesPaydayLoan.ca website, you, the user signify acceptance of our policy.

When completing our application the user is required to give specific contact information, such as: name, email address, phone number, etc. This information will be used to contact the user regarding the services in which he or she has expressed interest. In addition to contact information, the user is also asked for financial information during the application process. This information is used for depositing funds, as per the applicant’s request. If we are having difficulty processing the request, we will use the contact information to get in touch with the applicant.

If the applicant appears to be suitable for loan from one of AdvancesPaydayLoan.ca’s lending partners, the information obtained during the application process may be disclosed to lenders in order for the lender to assess the application. This information may also be disclosed to service providers who process your application on our behalf (contact centres, etc.). We will only disclose the information to these processors where we have an agreement in place imposing equivalent security obligations regarding all personal data on the processor.

Information used for marketing purposes
AdvancesPaydayLoan.ca and its group of companies, affiliates, partners, and third-party service providers may also use the applicant’s collected information to offer similar products or services that may be of interest to the applicant via email, postal mail, telephone  and SMS.

Links
The AdvancesPaydayLoan.ca website may contain links to other sites. Please be aware that AdvancesPaydayLoan.ca is not responsible for the privacy practices of other sites visited via these links. We strongly encourage our users, whenever leaving our site, to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected on this website.

Security
This site takes every precaution to protect users’ information. When any sensitive information is submitted via our site, that information is protected both online and offline. Information collected via our application form is sent via the best encryption software in the industry: SSL. While SSL encryption is used to protect sensitive information online, we also take every measure to protect your data offline. All user information, not just the sensitive information, is restricted in our offices. Only employees who need the information to perform a specific job (customer service representatives, for example) are granted access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our current security and privacy practices.

Web Activity
AdvancesPaydayLoan.ca uses a third-party tracking utility to track end-user activity through its site by use of cookies. This activity is tracked in an effort to make our site easier to navigate. This tracking also shows us which areas of our site draw the most attention. This includes: Most Requested Page, Least Requested Page, Top Entry Page, Top Path Through Site, cities users are visiting from, and the average length of time spent on the site.

Notification of changes
If the AdvancesPaydayLoan.ca privacy policy ever changes, we will post notice of the changes on our homepage, so that users are aware of updates and information collected. We will fully disclose any updates or new information being collected. If at any point it is decided to use personally identifiable information in any manner different from what is laid out at the time it was collected, the affected users will be notified via email. AdvancesPaydayLoan.ca customers will be given the choice as to whether or not we use their information in a different manner. We will always use information in accordance with the privacy policy under which the information was collected.

Legal Obligations
We may need to disclose personal information when required by law, wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order, or legal process served on our website.

Access to Credit Reports
By completing this application, I affirm that all information given is true and complete. I authorize Advances Payday Loan.ca or its Affiliates to obtain from any credit reporting agency or credit grantor such information as may be required at any time in connection with the credit hereby applied for and I consent to the disclosure or exchange at any time of any information concerning the applicant(s) to any credit reporting agency or credit grantor with which AdvancesPaydayLoan.ca or its affiliates deals.

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AdvancesPaydayLoan.ca is not a lending or banking institution. It does not broker loans to lending institutions. The personal information you provide will be provided to a third party lender to provide you with a loan application and the potential to receive a loan. AdvancesPaydayLoan.ca makes no guarantees or warranties with regards to the availability of a loan or any other aspect of the terms and conditions of the lending institution. AdvancesPaydayLoan.ca is a free service. AdvancesPaydayLoan.ca may receive a commission from any lenders we introduce you to. For details, questions, or concerns regarding your loan, please contact the lending institution directly. Not all lenders can provide up to $1500. Cash transfer time may vary between lenders. We assume no responsibility for the services or information you may receive from the lender. All loans are subject to credit approval. Certain limitations apply. Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counselling or debt advice. Disclaimer: As a condition of extending credit, some lenders you may be matched with may run a credit check from a major credit reporting bureau. 

Terms and Conditions apply. Fees displayed are typical but cannot be guaranteed. Your actual rates may vary based on your circumstances and the lender we select. 

Alberta: Representative APR (Annual Percentage Rate of charge): Representative example: Borrow $300 for 14 days. The total charge for credit is $68.94. Interest is fixed at a rate of $22.98 per $100 loan equivalent to an annual rate of 599.12% fixed. The total repayable is $368.94. Representative APR 599.12%. The APR includes important factors such as the interest rate you must pay; how you repay the loan; the length of the loan agreement (or term); frequency and timing of installment payments; and amount of each payment. 

Ontario: Representative APR (Annual Percentage Rate of charge): Representative example: Borrow $300 for 14 days. The total charge for credit is $62.94. Interest is fixed at a rate of $20.98 per $100 loan equivalent to an annual rate of 546.98% fixed. The total repayable is $362.94. Representative APR 546.98%. The APR includes important factors such as the interest rate you must pay; how you repay the loan; the length of the loan agreement (or term); frequency and timing of installment payments; and amount of each payment. 

* Subject to approval times and lender's own policies. In most cases, funds will be deposited the same working day, if approved by 14:30. Approval may take up to 30 minutes in most cases. Loan amounts are based on consumers credit history and ability to repay loan. Not everyone will qualify.

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