Terms of Use

Your use of the site, including simply reading a page, constitutes acceptance of these terms and of our privacy policy. If you are using the site on behalf of an organisation, you confirm you have the authority to accept these terms on its behalf. If any provision of these terms is found unenforceable, the remaining provisions continue to apply.

The Payday does not lend money, does not hold or advance funds, and is not a bank, credit union, lender, broker, dealer or credit intermediary. We do not accept, process, assess, underwrite, approve or decline applications, and we cannot influence a decision made by any provider. We do not act as your agent, we do not negotiate on your behalf, and we are not party to any agreement you enter into with a provider. Where the site refers you onward, the entire relationship, application and contract sit between you and that third party.

We take real care with what we publish, but the site is provided on an as is and as available basis, without warranties of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, completeness or non-infringement. Content may become out of date. Provincial rules in this sector change, providers change their terms without notice, and a page that was correct when it was written may not be correct when you read it. We do not warrant that the site will be uninterrupted, error free, or free of harmful components. To the extent that applicable consumer protection law gives you rights that cannot be excluded, nothing here limits them.

The site contains links to websites and offers operated by third parties. Those links are provided for convenience and information. We do not control, endorse, guarantee or assume responsibility for any third-party site, its content, its products, its offers, its terms, its pricing, its availability, its privacy practices, its compliance with provincial requirements, or its conduct toward you. A listing or a link is not an endorsement and is not advice to use that provider. Any dealing you have with a third party is solely between you and that third party, and we are not responsible for any loss or damage arising from it.

The Payday may earn a commission when a reader is referred to a third-party provider and takes a qualifying action there. That compensation does not affect what our editorial team writes, and not every provider in the market will be listed. Our affiliate disclosure sets this out in full and forms part of these terms by reference. At present, no partner offers are configured and no commission arrangement is live.

You may read, print and share the site for your own personal, non-commercial use. You agree not to:

The original content of this site, including its written guides, page structure, layout, design, graphics and the name The Payday, is owned by us or used with permission and is protected by Canadian and international intellectual property law. You may quote a short passage for commentary, review or news reporting provided you attribute it to The Payday and link to the page it came from. Beyond that, you may not reproduce, adapt, translate or distribute our content without written permission. Third-party names or marks that appear on the site remain the property of their respective owners.

To the fullest extent permitted by applicable law, The Payday and its operators, contributors and service providers are not liable for any indirect, incidental, special, consequential, punitive or exemplary damages, nor for any loss of profit, revenue, savings, data, goodwill or opportunity, arising out of or connected with your use of the site, your reliance on its content, any inability to access it, or any dealing with a third-party provider found through it. This limitation applies regardless of the legal theory advanced and even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain liabilities, so parts of this section may not apply to you, and nothing here excludes liability that cannot lawfully be excluded.

You agree to indemnify and hold harmless The Payday and its operators, contributors and service providers from any claim, demand, loss, liability, cost or expense, including reasonable legal fees, arising from your use of the site, your breach of these terms, or your violation of any law or of the rights of a third party.

This site is intended for residents of Canada and is written in that context. We make no representation that the content is appropriate, accurate or available for use outside Canada, and if you access the site from elsewhere you do so on your own initiative and are responsible for compliance with your local law. Within Canada, this type of credit is regulated by the provinces, with a federal criminal rate of interest in the background, so eligibility, cost limits, cancellation rights and available recourse differ depending on where you live. Always confirm the rules that apply in your own province.

We may change these terms at any time, and the version published on this page is the one in force. Continuing to use the site after a change means you accept the revised terms, so please check back periodically. We may also modify, suspend, restrict or discontinue any part of the site, including removing or rewriting content, without notice and without liability. We may terminate or restrict your access to the site at our discretion, including where we consider that you have breached these terms. The provisions that by their nature should survive termination, including intellectual property, limitation of liability and indemnity, continue to apply.

These terms and your use of the site are governed by the laws of Canada and by the laws of the province or territory in which you reside, without regard to conflict of law principles. Any dispute is subject to the courts having jurisdiction under those laws. Nothing in these terms removes any right you have under the consumer protection law of your province that cannot be waived by agreement.

Questions about these terms, notices of alleged infringement, and requests for permission to reuse content can be sent through the contact page.