Terms of Use

Welcome to Easy Loan Express!

These terms and conditions outline the rules and regulations for the use of Easy Loan Express’s Website, located at easyloanexpress.ca.

By accessing this website we assume you accept these terms and conditions. Do not continue to use Easy Loan Express if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Netherlands. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same. Our Terms and Conditions were created with the help of the Terms & Conditions Generator and the Privacy Policy Generator.

Cookies

We employ the use of cookies. By accessing Easy Loan Express, you agreed to use cookies in agreement with the Easy Loan Express’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

License

Unless otherwise stated, Easy Loan Express and/or its licensors own the intellectual property rights for all material on Easy Loan Express. All intellectual property rights are reserved. You may access this from Easy Loan Express for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Republish material from Easy Loan Express

• Sell, rent or sub-license material from Easy Loan Express

• Reproduce, duplicate or copy material from Easy Loan Express

• Redistribute content from Easy Loan Express

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Easy Loan Express does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Easy Loan Express, its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Easy Loan Express shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

Easy Loan Express reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;

• The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;

• The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy

• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Easy Loan Express a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content

The following organizations may link to our Website without prior written approval:

Government agencies;Search engines;News organizations;Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; andSystem wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:

• commonly-known consumer and/or business information sources;

• com community sites;

• associations or other groups representing charities;

• online directory distributors;

• internet portals;

• accounting, law and consulting firms; and

• educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Easy Loan Express; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Easy Loan Express. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or

• By use of the uniform resource locator being linked to; or

• By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Easy Loan Express’s logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames

Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability

We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;

• limit or exclude our or your liability for fraud or fraudulent misrepresentation;

• limit any of our or your liabilities in any way that is not permitted under applicable law; or

• exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Loan Terms

These Terms of Use govern your credit application. When you apply for credit, you must agree to these Terms of Use before your credit application be processed by the lending company. The lending company will agree to analyze your credit application only if you accept these Terms of Use. Despite compliance with these Terms of Use, the lending company has no obligation to accept the present credit application. The acceptance or non-acceptance of the credit application and the continuance of a credit account is at the sole and exclusive discretion of the lending company. A debtor’s account may be de-activated at any time, at the sole discretion of the lending company, without any applicable damages against the lending company. These Terms of Use are applicable in addition to any other applicable agreement between the parties and remain valid throughout the credit service provided by the lending company.

WHO CAN APPLY FOR CREDIT?

You must be at least 18 years old and not be considered unfit or under guardianship.

The subject matter of your credit application must not be done, directly or indirectly, for illegal, prohibited or criminal purposes, fraudulent intent or money-laundering or any other act considered bad faith by the lending company, at its sole discretion.

You have the obligation to reveal your complete identity.

You cannot impersonate others.

You have not been refused or de-activated from the lending company in the past thirty (30) days prior to this credit application.

COLLECTION AND USE OF INFORMATION

To process your credit application, as mentioned above, the lending company must verify the information about you. The types of information that the lending company will collect depends on the information that you will provide and on how you use the lending company’s website. You hereby understand and agree that at the time of your request for a credit application, the lending company collects the content of the application, communications and any other information you provide, including when you create an account, create or share content, or when you communicate with or send messages to members, officers, directors, agents or partners of the lending company. This may include information in or about content that you provide (for example, metadata), such as the location of a photo or the date a file was created. You formally consent that all such information collected may be used by the lending company in the management of your credit application and may be passed on to any other affiliate, services provider or other related business for the purpose of investigation or aggregation of data. Your data may be part of a database assisting program of the lending company or any other affiliate, services provider or other related business for the purposes of processing and investigating credit applications, under the conditions mentioned above or otherwise, and such information may be retained for an indefinite term by the lending company and any other affiliate, services provider or other related enterprise to that effect. The data may be shared with public or legal authorities, where the law or a court orders to.

JURISDICTION OF CREDIT APPLICATION AND DISPUTE MANAGEMENT

The lending company is a corporation doing business in the province of Quebec, Canada and any acceptance of the credit application will be considered to have been made in the province of Quebec, Canada, notwithstanding your place of residence or the place where your request has been made. You agree that in the event of a dispute, the laws of Quebec and Canada shall apply and that any dispute be heard in the jurisdiction of the Province of Quebec, Canada, in the Judicial District of Montreal, to the exclusion of any other jurisdiction and from any other district.

UPDATE OF THESE TERMS OF USE

The lending company may change its services and policies and the lending company may need to make changes to the Terms of Use. The lending company will inform you before changing these Terms of Use and give you the opportunity to review them before they come into effect. Thereafter, if you continue to use the services of the lending company, you will be bound by the revised Terms of Use.

Les présentes Conditions d’utilisation régissent votre demande de crédit. Lorsque vous faites une demande de crédit, vous devez accepter les présentes Conditions d’utilisation afin de permettre que votre demande de crédit soit traitée par l’entreprise prêteuse. L’entreprise prêteuse n’acceptera de faire l’analyse de votre demande de crédit que si vous acceptez les présentes Conditions d’utilisation. Malgré le respect des présentes Conditions d’utilisation, l’entreprise prêteuse n’a aucune obligation d’accepter la demande de crédit. L’acceptation ou non de la demande de crédit et le maintient d’un compte de crédit est à l’entière discrétion de l’entreprise prêteuse. Le compte d’un débiteur peut être désactivé en tout temps, à l’exclusive discrétion de l’entreprise prêteuse, sans dommage applicable à l’encontre de l’entreprise prêteuse. Les présentes Conditions d’utilisation s’ajoutent à tout autre contrat applicable entre les parties et demeurent valides tout au long du service de crédit octroyé par l’entreprise prêteuse.

QUI PEUT FAIRE UNE DEMANDE DE CRÉDIT?

Vous devez être âgé(e) d’au moins 18 ans et ne pas être considéré(e) inapte ou faisant l’objet d’une tutelle.

L’objet de votre demande de crédit ne doit pas être fait, directement ou indirectement, pour un dessein illégal, interdit, criminel, frauduleux, à des fins de blanchiment d’argent ou dans le cadre de tout autre geste considéré de mauvaise foi par l’entreprise prêteuse, et ce, à son entière et exclusive discrétion.

Vous avez l’obligation de révéler votre identité complète.

Vous ne pouvez pas usurper l’identité d’autrui.

Vous n’avez pas fait l’objet d’une demande refusée ou d’une fermeture de compte auprès de notre entreprise dans les trente (30) jours précédant la présente demande de crédit.

COLLECTE ET UTILISATION D’INFORMATION

Pour traiter votre demande de crédit, tel que ci-avant mentionné, l’entreprise prêteuse doit vérifier les informations vous concernant. Le type d’information recueillie dépend de l’information que vous fournissez et de la manière dont vous utilisez le site web de l’entreprise prêteuse. Par les présentes, vous comprenez et acceptez qu’au moment où une demande de crédit est faite, l’entreprise prêteuse recueille le contenu de la demande, les communications ainsi que d’autres informations que vous fournirez, notamment lorsque vous créez un compte, créez ou partagez du contenu, ou lorsque vous communiquez avec des membres, officiers, administrateurs, agents ou partenaires de l’entreprise prêteuse ou lorsque vous leur envoyez des messages. Cela peut comprendre des informations présentes dans le contenu que vous fournissez (par exemple : des métadonnées) ou concernant un tel contenu, tel que le lieu d’une photo ou la date à laquelle un fichier a été créé. Vous consentez formellement à ce que toutes les informations ainsi recueillies puissent être utilisées par l’entreprise prêteuse dans le cadre de la gestion de votre demande de crédit et pourra être transmise à toute autre société affiliée, fournisseur de services ou autres entreprises connexes à des fins d’enquête ou d’agrégation des données vous concernant. Les données vous concernant pourront faire partie d’une base de données gérée par l’entreprise prêteuse, par toute autre société affiliée, fournisseurs de services ou autres entreprises connexes dans le but de traiter et enquêter les demandes de crédit, selon les conditions ci-avant mentionnées ou autres et pourront être conservées pour une durée indéterminée par l’entreprise prêteuse et par toute autre société affiliée, fournisseur de services ou autres entreprises connexes dans cet objectif. Les données peuvent être partagées avec des autorités publiques ou légales, lorsque la loi et/ou une Cour de justice l’ordonne(nt).

JURIDICTION DE LA DEMANDE DE CRÉDIT ET DE LA GESTION DES LITIGES

L’entreprise prêteuse est une entreprise faisant affaires dans la province de Québec au Canada et toute acceptation de la demande de crédit sera considérée être effectuée dans la province de Québec au Canada, et ce, nonobstant votre lieu de résidence ou nonobstant le lieu où votre demande a été effectuée. Vous consentez que, en cas de litige, les lois du Québec et du Canada soient applicables et que tout litige soit entendu dans la juridiction de la province de Québec au Canada, dans le district juridique de Montréal, à l’exclusion de toute autre juridiction et de tout autre district.

MISE À JOUR DES PRÉSENTES CONDITIONS D’UTILISATION

L’entreprise prêteuse peut modifier ses services et ses règlements et il est possible qu’elle doive apporter des modifications aux présentes Conditions d’utilisation. L’entreprise prêteuse vous informera avant de modifier les présentes Conditions d’utilisation et vous donnera l’occasion de les examiner avant leur entrée en vigueur. Par la suite, si vous poursuivez votre utilisation des services auprès de l’entreprise prêteuse, vous serez lié(e) par les Conditions d’utilisation révisées.

Loan Details

Loans are not automatically renewed. To request a renewal, fill out the simplified form. Your credit rating will not be affected if you repay your loan on time. If you cannot repay your loan on time, contact our office to discuss terms. If your payment is returned NSF, an additional fee will be charged

Responsible Lending Policy

Online loan applications are evaluated to ensure and confirm that you, the borrower, have the ability to repay your loan. This means we will:

Verify that your salary or sources of income meet our requirements.
Check that you do not have an excessive number of NSF payments on your bank account.
Determine the amount of your recurring housing expenses and other credit or lease contract payments that may interfere with your ability to repay your loan.

Following this analysis, if your file meets all our criteria, your request will be accepted.

888-1055 Rue Lucien-L'Allier Montréal Québec H3G3C4 Canada

*Easy Loan Express provides loans up to $1,250 with interest rates ranging from 9.99% to 24%, and terms from 90 days to 180 days. APRs on such loans range between 9.99% to 24%. Your actual rate will depend on a variety of factors such as your credit score and the loan amount. Incase of Non-sufficient funds a $55 service fee will be charged.

An example of borrowing costs paid on a $720 loan with a 3 month (90 Days) repayment period at 24% APR is a payment of $129.76 every 2 weeks, with the total repayment amount of principal and interest being $778.54 and the total cost of the loan (interest only) being $58.54.