Terms & Conditions | SupaSmartLoans

1. Introduction

These Terms and Conditions, together with our Privacy Policy and any other policies referenced on this website, govern your use of supasmartloans.ca (the Website) and the loan matching services we provide through it (the Service).

Please read these Terms and Conditions carefully before submitting an application through the Website. By using the Website, submitting an application, or checking any consent box presented to you during the application process, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions.

If you do not agree to these Terms and Conditions, you must not use the Website or submit an application through it.

If you have any questions about these Terms and Conditions or the Service, please contact us at [email protected].

2. About Our Service

SupaSmartLoans provides a loan matching and advertising referral service that connects consumers with independent lenders and financial service providers in our network (Participating Lenders).

When you submit an application through the Website, we may share the information you provide with one or more Participating Lenders so they can assess whether they wish to present you with a loan or other financial product offer.

We are not a lender, broker, or agent acting on your behalf. We do not issue loans, arrange loans, provide financial advice, or make lending or credit decisions.

We do not guarantee that:

you will be matched with a lender;
you will receive an offer;
you will be approved for a loan; or
any offer presented to you will be the best rate, term, or product available in the market.

3. Eligibility to Use the Website

To use the Website and submit an application, you must meet any minimum eligibility requirements presented on the Website at the time of application. These may include age, residency, income, and banking requirements, depending on the product and Participating Lender.

By using the Website, you confirm that the information you provide is true, complete, current, and not misleading.

4. Information You Provide

In order to use the Service, you may be asked to provide personal, contact, employment, banking, and other financial information. Our collection, use, storage, and disclosure of this information are governed by our Privacy Policy.

By submitting an application, you authorize us to share your information with Participating Lenders and other service providers involved in delivering the Service.

You understand that Participating Lenders may use your information to:

verify your identity;
review your application;
assess your eligibility for credit;
perform credit checks or obtain consumer reports where permitted by law; and
contact you regarding your application or related products and services.

5. No Guarantee of Approval or Terms

Approval for any loan or financial product is solely determined by the Participating Lender. Each Participating Lender sets its own approval criteria, loan amounts, rates, fees, repayment terms, and funding timelines.

We do not guarantee approval, funding, loan amounts, pricing, availability, or suitability of any product offered by a Participating Lender.

Any examples, estimates, or representative figures shown on the Website are for general information only and may not reflect the actual terms you may be offered.

6. No Financial or Legal Advice

The Website and Service are provided for general informational and referral purposes only. Nothing on the Website constitutes financial, legal, credit, or other professional advice.

You are responsible for reviewing all loan terms carefully and deciding whether any offer is suitable for your needs and financial circumstances. If you are unsure, you should seek independent professional advice before entering into any agreement.

7. Communications and Consent

By submitting an application through the Website, you expressly request and consent to being contacted by us, Participating Lenders, and relevant service providers using the contact information you provide, including by:

email;
telephone;
SMS or text message; and
other lawful communication methods.

These communications may relate to your application, loan options, account verification, customer service, or other related financial offers where permitted by law.

You may opt out of marketing emails from us by using the unsubscribe link included in the email, or by contacting us at [email protected]. Opting out of marketing communications does not prevent transactional or service-related communications where necessary.

8. Fees

We do not charge consumers a fee to use the SupaSmartLoans service.

However, Participating Lenders or other third parties may charge fees, interest, or other amounts in connection with any product they offer to you. Any such charges are determined solely by the relevant lender or provider, not by us.

9. Accuracy, Fraud, and Misuse

You agree to provide accurate and truthful information at all times. If you provide false, incomplete, inaccurate, or misleading information, or if we suspect fraud, abuse, unlawful activity, or misuse of the Website, we may:

decline to process your application;
suspend or restrict your access to the Website;
report the matter to relevant law enforcement, regulators, fraud prevention agencies, or other appropriate third parties; and/or
take any other action permitted by law.

10. Third-Party Lenders and Services

Any agreement you enter into with a Participating Lender or other third party is solely between you and that party. We are not responsible for:

the products or services offered by any Participating Lender;
the terms of any loan agreement;
the acts, omissions, or decisions of any Participating Lender; or
any loss, cost, or damage arising from your dealings with a Participating Lender or third party, except as required by law.

You should review all lender agreements, disclosures, and policies carefully before accepting any offer.

11. Limitation of Liability

To the fullest extent permitted by law, SupaSmartLoans, Triple Eight Media Pte. Ltd., and their officers, directors, employees, affiliates, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive loss or damage arising out of or related to:

your use of, or inability to use, the Website or Service;
any delay, interruption, or unavailability of the Website;
any decision made by a Participating Lender;
any loan or financial product offered by a third party; or
any inaccuracy in information provided by you or a third party.

Nothing in these Terms and Conditions excludes or limits liability where it cannot lawfully be excluded or limited.

12. Website Availability

We do not guarantee that the Website will always be available, uninterrupted, secure, or error-free. We may suspend, withdraw, modify, or restrict access to all or any part of the Website at any time without notice.

13. Intellectual Property

All content on the Website, including text, graphics, logos, design, layout, and software, is owned by or licensed to us and is protected by applicable intellectual property laws.

You may use the Website only for personal, lawful, and non-commercial purposes in connection with seeking financial product information or submitting an application through the Service.

14. Changes to These Terms

We may update these Terms and Conditions from time to time. Any changes will take effect when posted on this page unless otherwise stated. Your continued use of the Website after updated Terms are posted constitutes your acceptance of those changes.

15. Governing Law

These Terms and Conditions and any dispute arising out of or relating to the Website or Service shall be governed by the laws applicable to the operation of the Website and any mandatory consumer protection laws that apply to you.

16. Contact Us

If you have any questions about these Terms and Conditions, please contact:

SupaSmartLoans
Trading name of Triple Eight Media Pte. Ltd.
Email: [email protected]

Get Cash Today*

You’re just minutes away from getting an instant lending decision.

Complete your loan application now and you could receive funds today*

= 1794861841): ?> Continue to article

E-Consent — Consent for Electronic Signatures, Records, and Disclosures

Introduction

You are submitting a request to be connected with one of our third party lenders. To offer you a loan, one or more of the third party lenders in our network of lenders need your consent to use and accept electronic signatures, records, legal disclosures, and other communications ('E-Consent'). www.supasmartloans.ca makes no representations as to what, if any, communications you may receive from your lender.

This is intended to put you on notice of your rights when receiving disclosures, notices, and information. By clicking 'I Consent,' or other links assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contractual documents ('Disclosures').

OPTION FOR PAPER RECORDS/DISCLOSURES

If you would like to receive a paper copy of any Disclosures, please contact your third party lender directly. These Disclosures may be available to you by the third party lender. Please note, some lenders may charge a fee for sending you paper copies of Disclosures. The Lender will retain all Disclosures as the applicable law requires.

Scope of Consent

This E-Consent applies to all interactions online between and concerning you and the third party lender and includes interactions engaged in on any mobile device, including smart-phones, phones, and tablets. The third party lender, through this E-Consent, may process your information and interact during all online interactions with you electronically. You may also receive notices sent electronically from the lender related to your interactions and transactions with the third party lender. Disclosures may be provided online at the third party lender's website(s).

Consenting to do Business Electronically and System Requirements

Prior to deciding whether or not to conduct business electronically with a third party lender, please first consider whether you have the hardware and software capabilities required to do so. To access, obtain, and retain Disclosures electronically, the following computer software and hardware are required: 1) A PC or MAC compatible computer or other device capable of accessing the Internet; 2) access to a working email account; and 3) an Internet Browser software program that can support at least 128 bit encryption (i.e. Firefox, Internet Explorer, Netscape, etc.); 4) you may need Adobe Acrobat Reader X® or Foxit® to read some PDF documents; and 5) a printer or long-term storage device (i.e. computer disk drive). Please direct any questions you may have regarding these hardware and software requirements directly to the third party lender.

Modification of Consent Terms

www.supasmartloans.ca reserves the right to modify these terms and conditions at our discretion, without notice.

Withdrawing Your Consent

Your E-Consent for our lender-connecting service and for our third party lenders' consideration of your connecting request cannot be withdrawn as it is a one-time transaction. Its legal effectiveness, validity, and enforceability will not be affected if you choose to withdraw this E-Consent. Upon being connected with one or more third party lenders, you may withdraw your E-Consent with any of those third party lenders at any time, and at no charge to you. Please note, if you withdraw your E-Consent prior to receiving a loan, you may be prevented from obtaining a loan from the lender.

Change of Contact Information

Please keep the third party lender up-to-date of any change(s) to your electronic address or mailing address. To update your information, you may log into the third party lender's website or send the third party lender your updated information via mail.

Your Ability to Access Disclosures

BY CLICKING THE LINK OR 'I CONSENT,' YOU ASSENT TO THE TERMS OF THIS DISCLOSURE. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE FORMATS DESIGNATED ABOVE.

Consent

BY CLICKING THE LINK OR 'I CONSENT,' YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU ELECTRONICALLY, AND TO DOING BUSINESS WITH THE THIRD PARTY LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, TO BE PROVIDED TO YOU UPON REQUEST AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED IN ORDER TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET. IF YOU DO NOT PROCEED, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.

Privacy Policy

This Privacy Policy was updated: June 4, 2021.

Privacy Policy

This Privacy Policy (also referred to as 'Policy') applies to www.supasmartloans.ca (also referred to as 'Company' or 'Site'). It notifies you (also 'You' and/ or 'Your') about our services, how we collect, use, and share Your information. Your use of this Site and sharing Your personal information constitutes an agreement with these policies. Please read this Policy in full before using this Site. Use of this site constitutes the acknowledgement that You have read, understood, and agreed to this Policy. If you are not in agreement with this Site's Policy and this Company's terms and conditions, do not use this Site. Changes may be made to this Policy at any time.

Personal Information

By using this Site and its services, you are allowing the Site to collect 'personally identifiable information' and 'non-personally identifiable information' from You. These types of information are described below:

Personally Identifiable Information

Use of this Site requires You to provide certain 'Personally Identifiable Information.' Your unique data allows for communication and identification. This information may include, but is not limited to your name, date of birth, telephone number, physical address, social security number, driver's license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and your banking information.

Non-Personally Identifiable Information

Use of this Site provides us with anonymous 'Non-Personally Identifiable Information' which may include, but is not limited to, Internet Protocol address, Internet Service Provider, operating system type, and browser type. This information may be obtained directly through the use of 'cookies' ' data sent to Your computer when visiting a website. The disabling of cookies may prevent access to certain areas of this Site. This Company has no control over cookie technology. This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to your Personally Identifiable Information.

How Information is Shared with Third Parties

Use of this Site authorizes this Company to share the information that you provide with third parties and affiliates. Sharing of Your information with this Company gives us permission to share this information with our network of third party lenders. Third party lenders may use your information in one of several ways. It may be used to offer you a loan, offer other business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. These parties each have their own policies for collecting, using, and sharing your information. Once your information is shared, this Site is no longer responsible for their handling of your information.

The Company reserves the right to share the information that you provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that you violate our Policies and/ or Terms & Conditions, or when and where this Company deems it to be necessary to protect this Company's rights and its assets.

In addition, this Site may allow advertisements from third party lenders and other advertising partners. These companies may employ their own technologies (including 'cookies') to track and collect information regarding their advertisements. This Site does NOT provide personally identifiable information to these third party advertising partners.

How Information is Used

The information that You provide allows us to pair you with a participating third party lender in our network of lenders with whom we have a business relationship. This information also allows us to review or verify your request form, provide accurate customer service, communicate with you by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of our Policy and Terms & Conditions, or to do any other service described to you on this Site. Your Social Security number and bank information may also be used to verify Your identity in order to protect against fraud.

How Information is Secured

This Site uses a number of security measures to protect Your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses SSL (Secure Socket Layer) encryption, stores personal information on secure servers, and utilizes password protection.

Although we take precautions to protect Your information, the storage or transmission of data cannot be guaranteed. As such, this Site cannot guarantee your data, either in storage or in transmission. Accessing this Site is done at Your own risk.

If a security breach does occur which affects Your Personally Identifiable Information, you will be notified along with any responsible agencies as dictated by law. Notification may take place in the form of an email. This notification could be delayed by law enforcement in order to conduct an investigation and enact further security measures.

Links to Third Party Sites

This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, you are responsible for the information you provide as well as the content that you access. These sites may use your personal information differently than our use of the information that You submit to this Site. Please read each site's Policies and Terms & Conditions.

Push Notifications

If you provide your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.

Opt-In/Opt-Out of Communication

By submitting your information on this Site, you are opting-in to receiving communication contact from the Site and/or a trusted lender within our network of lenders. You may choose to 'Opt Out' of sharing your personally identifiable information for certain purposes when it is requested on this Site. When completing the registration process, indicate your preference on this Site or by following a link provided in our email communications. This Site, our affiliate(s) and/or third parties may also promote product and service offerings to you via e-mail, SMS (text) message, by telephone, auto-dialer or pre-recorded messages to consumers who requested to be contacted either through our Site or through an Opt-In process on a third-party affiliate's sites.

You may remove your information from our database at any time. If you do not wish to receive future communications or if you no longer wish to receive our service, click here.

Please be aware that your participation in certain activities provided by our Site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our company's Do-Not-Contact registry within ten (10) days after receipt. Unless you 'unsubscribe' or opt-out, this Site assumes you consent to receiving communications from it and its third-party vendors and affiliates. It is possible that a third-party vendor or affiliate may have purchased your contact information and thus you may continue to receive contacts from those third-parties. www.supasmartloans.ca is not responsible for stopping all unwanted contact from sources beyond our immediate control.

You understand that your consent to receive communications is not required as a condition of using www.supasmartloans.ca's services. This Site abides by CAN-SPAM and TCPA regarding communications.

Minors

www.supasmartloans.ca does not knowingly collect information from minors under the age of 18, and does not knowingly use such information for any purpose, including marketing purposes. If you are a parent/guardian who knows of a minor who has provided our Site with personally identifying information, please contact us, so that we can delete such information from our database.