Introduction
Welcome to
Best Loan. By accessing and using our Website, you agree to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Best Loan relationship with you in relation to this Website. If you disagree with any part of these terms and conditions, please do not use our Website.
Definitions
"Website" refers to Best Loan Website. "We", "us","our" refers to Best Loans. "You" refers to the user or viewer of our Website. "Content" refers to any material on the Website including text, data, information, graphics, or other materials.
Use of Website
Eligibility: You must be the age of majority in your province to use this Website.
License: We grant you anon-exclusive, non-transferable, revocable license to access and use our Website in accordance with these terms and conditions.
Prohibited Conduct: You agree not to use the Website for any unlawful purpose, to solicit others to perform or participate in any unlawful acts, or to violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances. User Conduct: You agree not to interfere with or disrupt the Website or servers or networks connected to the Website, or disobey any requirements, procedures, policies, or regulations of networks connected to the Website. We are a technology platform that is designed to connect people who want information on and to compare various types of financial products and services such as personal loans from third-party financial institutions and organizations that offer financing arrangements. We are not the entity that provides financing arrangements.
When the Services generate information about loans or other financial products or services including approval criteria and interest rates related thereto, we are an information organizer and aggregator. We do not directly generate any of the information, and instead, this information is usually provided to us by third parties(generally financial institutions). This information may be inaccurate or incomplete through no fault of ours (for example, because the financial institution has changed its interest rate but has not yet told us about the change). When this happens, your ability to use our services may be compromised through no fault of ours, and we cannot accept any responsibility for any problems or damages which might occur in relation with such. The Website and the cervices are not a substitute for actual legal, investment or professional advice from a licensed competent individual in their field of expertise. The information and services offered on this Website is provided with the understanding that Best Loan is not engaged in rendering legal or other professional services or advice. Your use of the Website is subject to the additional disclaimers and caveats that may appear throughout the Website.
Accounts
You may create an account or submit a service request in order to use the Services. You must use current and accurate information to create your account. You are limited to a single account, and cannot create multiple accounts, either under your own name or the names of others. Your account is intended for your use only, and you must not share your login credentials with others, nor allow others to access your account. You agree that you are responsible for the confidentiality of your account credentials, and for any activity resulting from the use of your account. You agree to make reasonable efforts to prevent unauthorized access to, or use of our services. You may not share your account and password, allow third parties to use your account, nor assist anyone who is not a registered user to gain access to the services. You agree to notify us if you become aware of any unauthorized use of your login credentials and to change your password immediately using the built-in functionalities made available to you. If you forget your password, you are responsible for obtaining a new password by following the “reset password” instructions.
Information between accounts may be shared when those accounts are both involved in the same transaction. For example, if you and your spouse wish to co-apply for a financial arrangement, you may act as a main applicant and add your spouse to the application as a co-applicant. In those situations, you (acting as the main applicant): (i) are responsible for adding the co-applicant’s details and documents to the co-application; and (ii)represent and warrant that a valid consent has been obtained from the concerned co-applicant for Best Loans to collect and process his/her information in compliance with applicable privacy law and as set forth in our Privacy Policy.
Intellectual Property
The content on this Website, including but not limited to text, graphics, logos, and images, is the property of Best Loans or its content suppliers and is protected by international copyright laws. Unauthorized use of this content may violate copyright, trademark, and other laws. You may not:Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website without express written permission from us. Use any trademarks, service marks, or logos of Best Loans without our prior written consent.
Limitation of Liability
Disclaimer of Warranties: The information provided by Best Loans is on an "as is" and "as available"basis. We do not warrant that the content is accurate, reliable, or correct;that the service will be available at any particular time or location; or that any defects or errors will be corrected. Limitation of Liability: In nonevent shall Best Loans, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the service; (ii) any conduct or content of any third party on the service; (iii) any content obtained from the service; and (iv) unauthorized access, use, or alteration of your transmissions or content.
Third-Party Links
Our Website may contain links to third-party Websites or services that are not owned or controlled by Best Loan. Best Loans has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party Websites or services. You further acknowledge and agree that Best Loans shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such Websites or services.
Purchase of Financial Products
Our platform only helps you find services (which are offered by third parties) and then we put you in touch with the third-party financial institution which offers the financial arrangements that you prefer so that you can sign a distinct contract with it. The final decision about whether you qualify for a given service will be made by the third-party financial institution, and we have no control over this decision, nor do we have any liability resulting from such. We are not a party to your contract with the third-party financial institutions. As such, we cannot accept any responsibility for problems arising from or related to these services, contracts nor any other third-party services (including websites or apps) which are used in the process.
Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information. By using the Site, you consent to our collection and use of your information as outlined in the Privacy Policy.
User Content
Responsibility for User Content:You are responsible for any content that you post, upload, or otherwise make available through our Website. You agree that any content you provide will not violate any third party's rights, including intellectual property rights, privacy, or personal rights. License to Best Loans: By submitting any content to our Website, you grant Best Loans a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, sub-licensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the content in connection with the Website and Best Loan's business.
Indemnification
You agree to indemnify and hold Best Loan, its affiliates, and their respective officers, directors, employees, and agents harmless from any claims, liabilities, damages, losses, or expenses arising out of or in connection with your use of the Site or Services, or your violation of these Terms.
Termination
We may terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Website will cease immediately.
Governing Law
These terms shall be governed and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions.
Changes
We reserve the right, at our sole discretion, to modify or replace these terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
Contact Us
If you have any questions about these Terms, please contact us at:
privacy@bestloan.caEffective Date: May 22, 2024
