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Terms & Conditions

Last Updated On 13th July 2026

  1. INTRODUCTION AND ACCEPTANCE OF TERMS
    These Terms and Conditions (“Terms”) govern your access to and use of the website and the “Lenditt: Instant Personal Loan” mobile application operated by Lenditt Technologies Inc. (“Lenditt”, “we”, “us” or “our”), including all associated pages, features, functionality and content (collectively, the “Platforms”). These Terms apply to all visitors to and users of the Platforms, as well as all individuals who apply for, are offered, or receive any financial product or service offered by Lenditt from time to time, including, without limitation, payday Loans, installment Loans, optional ancillary products or services (where applicable), and any other financial products or services introduced by Lenditt in the future (each, a "Product" and collectively, the “Products”).

    By accessing or using the Platforms, or submitting an application, or entering into any agreement with us, you agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use the Platforms or apply for any Product. These Terms constitute a legally binding agreement between you and Lenditt.

    These Terms apply to your use of the Platforms generally. Where you enter into a specific loan agreement or other product-specific agreement with us (each, a “Loan Agreement”), the terms of that Loan Agreement will govern the specific Product, and, to the extent of any direct conflict between a Loan Agreement and these Terms, the Loan Agreement will prevail with respect to that Product. These Terms otherwise continue to apply to your use of the Platforms and your relationship with Lenditt generally.
     

  2. DEFINITIONS AND INTERPRETATION
    In these Terms, the following capitalized terms have the meanings set out below. Other capitalized terms have the meaning given to them elsewhere in these Terms.

    “Account” means the customer account you create to apply for and manage a Product through the Platforms.

    “Applicable Law” means all applicable federal and provincial statutes, regulations, and regulatory guidance in Canada, including consumer protection, payday lending, and consumer credit legislation in the province in which you reside.

    “Credit Bureau Authorization” means the standalone Credit Bureau Authorization, Terms and Conditions and Privacy Disclosure & Consent document that you review and accept as part of your Product application.

    “Personal Information” has the meaning given to it in our Privacy Policy.

    “PAD” means a pre-authorized debit authorization permitting Lenditt to withdraw amounts owing under a Loan Agreement directly from your designated bank account.

    Headings are for convenience only and do not affect interpretation. Words importing the singular include the plural and vice versa. References to “you” and “your” refer to the individual accessing or using the Platforms or applying for a Product.
     

  3. RELATIONSHIP WITH OUR OTHER POLICIES
    These Terms form part of a single legal framework together with our Privacy Policy, Cookie Policy, Credit Bureau Authorization, and, where applicable, your Loan Agreement, Cost of Credit Disclosure Statement, Key Facts Statement (if applicable), and any other loan-specific disclosures, authorizations, or agreements provided to you in connection with a financial product or service (collectively, the "Policies"). Where these Terms refer you to one of our Policies for further detail, that Policy governs the specific subject matter described, and these Terms should be read together with, and not in isolation from, our Policies. In the event of a direct conflict between these Terms and a Policy on a matter specifically addressed by that Policy, the Policy will prevail with respect to that matter.
     

  4. PRIVACY
    We respect your privacy. By using the Platforms and applying for a Product, you consent to the collection, use, disclosure and retention of your Personal Information by or on behalf of Lenditt and/or its authorized partners, as described in our Privacy Policy as amended from time to time and as otherwise permitted by Applicable Law. Our Privacy Policy sets out, among other things, the categories of Personal Information we collect, our purposes for collecting it, the circumstances in which we disclose it to third parties, how long we retain it, and your rights to access and correct it. Please review our Privacy Policy carefully before using the Platforms.

    Where permitted by our Privacy Policy, we may share your Personal Information with affiliates or service providers located outside Canada, including in India, for technical support and related operational purposes; your information otherwise remains hosted on servers located in Canada. Separately, we will only send you marketing communications about our Products where you have provided express consent as required by Canada’s Anti-Spam Legislation, and you may withdraw that consent at any time; this does not apply to transactional communications relating to your Account or Loan Agreement.

    You have the right to request access to, and correction of, the Personal Information we hold about you, and to withdraw your consent to its collection, use or disclosure, subject to legal or contractual restrictions. To exercise these rights, submit a written request to our Privacy Officer using the contact details in Section 35; we will respond within thirty (30) days of receipt (extendable to sixty (60) days with written notice) and may charge a reasonable fee for large or complex requests, which we will advise you of. Your consent to ongoing credit bureau reporting in respect of an active loan cannot be withdrawn while that loan remains outstanding, as such reporting forms part of, and is necessary for the performance of, your Loan Agreement.

    We retain your Personal Information only for as long as reasonably required or legally necessary, after which it is confidentially destroyed, deleted, erased or converted to an anonymous form. If you are affected by a reportable privacy breach, we will notify you directly by email, phone or mail as soon as feasible after we determine the breach has occurred, describing the breach, the information affected, the steps we have taken to mitigate harm, and the steps you can take to protect yourself.
     

  5. MINORS
    The Platforms are not directed at, and are not intended for use by, individuals under the age of majority in their province of residence or such other age as may be prescribed as the age of majority under Applicable Law in your province of residence. We do not knowingly collect Personal Information from anyone under such age. If you are a parent or guardian and believe a minor has provided us with Personal Information, please contact us using the details in Section 36 so that we can take appropriate steps to delete such information.
     

  6. ELIGIBILITY AND CUSTOMER ACCOUNT
    To access and use the Platforms, register an Account, or apply for a Product, you must:
    a) be at least the age of majority in your province of residence;
    b) be a resident of Canada in a province where the applicable Product is available;
    c) have the legal capacity to enter into a binding agreement; and
    d) comply with any additional eligibility criteria applicable to the Product.

    You may maintain only one Account, which must be registered in your own name. You must keep your Account information accurate and your login credentials secure. We may suspend or close your Account in accordance with these Terms where necessary.

    You further represent and warrant that you are not subject to any economic or trade sanctions, embargoes, or other restrictive measures administered by the Government of Canada or any other applicable governmental authority, are not acting on behalf of any sanctioned person or entity, terrorist organization, or other prohibited organization, and are not accessing or using the Products from any jurisdiction where such access or use is prohibited by applicable law. Lenditt reserves the right to refuse access to the Products, reject any application, suspend or terminate any account, or take any other action necessary to comply with applicable legal and regulatory requirements.

    Licensing. Lenditt is licensed to offer payday loans in the provinces in which it operates, as required under Applicable Law. Our current licence number(s) are displayed on the Platforms and, where required by Applicable Law, are also provided to you in the Loan Agreement. You may independently verify our licence status through the applicable provincial regulator's public registry.

    You must promptly notify Lenditt if you become aware of or suspect: (a) any unauthorized access to your Account; (b) any compromise of your login credentials; (c) any fraudulent communication purporting to come from Lenditt; or (d) any other suspected misuse of your Account.
     

  7. FRAUD AND IDENTITY THEFT REPORTING
    In addition to the notification obligations described in Section 6, you must promptly notify Lenditt if you know or reasonably suspect that:
    a) your identity has been stolen or used without your authorization;
    b) any device you use to access the Platforms or your Account has been lost, stolen or otherwise compromised;
    c) your banking credentials, PAD Authorization details, or other payment information have been compromised.

    Upon receiving such notice, we may take steps we consider necessary to protect your Account and Personal Information, including suspending your Account, requiring additional identity verification, or reporting the matter to law enforcement or a credit reporting agency. You remain responsible for activity conducted through your Account before you notify us of the relevant compromise, except to the extent such activity results from our negligence or as otherwise required by Applicable Law.
     

  8. OUR LENDING PRODUCTS
    Lenditt currently offers payday Loans, installment Loans and such other financial products or services as we may introduce from time to time. The specific Product, loan amount, term, interest, fees, repayment schedule and other applicable terms will be disclosed in your loan offer and Loan Agreement before disbursement.

    We may also offer optional ancillary products or services, including insurance where permitted by Applicable Law. Such products are optional, are not a condition of obtaining a loan and require your separate consent. Lenditt encourages responsible borrowing. You should carefully consider your financial circumstances and your ability to repay the loan before applying for or accepting any Product.
     

  9. COOL-OFF PERIOD AND CANCELLATION RIGHTS
    Where required by the payday lending or consumer protection legislation applicable to your Product and province of residence, you have the right to cancel your Loan Agreement without cost, penalty or cancellation fee within the statutory cool-off period, provided you repay the full principal amount advanced to you within that period. For Payday Loans, this cool-off period is generally two (2) business days from the day you receive a copy of your Loan Agreement, unless a longer period applies under the Applicable Law of your province.

    For Payday Loans made to Ontario residents, Lenditt does not permit “rollover” loans — you cannot obtain a new payday loan from Lenditt to repay an existing payday loan before that loan is repaid in full. Where you enter into a third payday loan agreement with Lenditt within a 63-day period, we will offer you the option of an extended payment plan in accordance with the Payday Loans Act, 2008 (Ontario).

    Cancellation rights, if any, applicable to Installment Loans or other Products will be disclosed to you in your loan offer and Loan Agreement, consistent with Applicable Law. To exercise any cancellation right, contact us using the details in Section 36 or as directed in your Loan Agreement.
     

  10. REFUNDS
    Other than the cancellation rights described in Section 9, Lenditt does not offer refunds or cancellation of a Loan Agreement once the applicable cool-off period, if any, has expired. Amounts properly charged or collected in accordance with your Loan Agreement, including interest, fees and charges disclosed to you prior to disbursement, are non-refundable except as required by Applicable Law. Where an overpayment results from overlapping payment methods, the excess amount will be adjusted or refunded in accordance with your Loan Agreement.
     

  11. COOKIES AND TRACKING TECHNOLOGIES
    We use cookies and similar tracking technologies to operate, secure and improve the Platforms, remember your preferences, and understand how the Platforms are used. By using the Platforms, you consent to our use of cookies and similar technologies as described in our Cookie Policy which describes the categories of cookies we use and how you can manage your cookie preferences through your browser settings or our consent management platform.
     

  12. WEBSITE AVAILABILITY AND CHANGES
    We may update, modify or discontinue all or part of the Platforms at any time, with or without notice, and the content of the Platforms may not always be complete or up to date. Except where required by Applicable Law, we are under no obligation to update any material on the Platforms. We may suspend access to the Platforms, in whole or in part, for scheduled maintenance, system upgrades, security reasons, or circumstances beyond our reasonable control, and we will not be liable for any resulting unavailability, delay or interruption, except as required by Applicable Law.
     

  13. ACCEPTABLE USE
    You agree to use the Platforms only for lawful purposes and in compliance with these Terms and Applicable Law. You must not use the Platforms in any manner that could damage, disable, overburden or impair the Platforms, or that interferes with any other person’s use and enjoyment of the Platforms. You must not attempt to gain unauthorized access to, interfere with, damage or disrupt any part of the Platforms, the servers on which the Platforms are hosted, or any connected server, network or database.
     

  14. INTELLECTUAL PROPERTY RIGHTS
    The Platforms and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Lenditt, its licensors or other providers of such material and are protected by Canadian and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

    You are permitted to access and use the Platforms and the content made available through the Platforms solely for your personal, lawful, and non-commercial use. Except as expressly permitted by these Terms or applicable law, you shall not, directly or indirectly, copy, reproduce, modify, adapt, translate, publish, distribute, transmit, display, perform, license, sublicense, sell, rent, lease, reverse engineer, decompile, disassemble, attempt to derive the source code of, create derivative works from, or otherwise exploit any part of the Platforms or any content, software, materials, or functionality made available through the Platforms for any unauthorized, unlawful, or commercial purpose.

    You may:
    a) store and print copies of records and documents related to any loan agreement you enter into with us, in accordance with the relevant loan          agreement and Applicable Law; and
    b) store files that are automatically cached by your web browser for display enhancement purposes.

    You must not reproduce, sell or exploit for any commercial purposes any part of the Platforms, access to the Platforms or use of the Platforms or any services or materials available through the Platforms.

    If you use any part of the Platforms or any content made available through the Platforms in breach of these Terms, your right to use the Platforms may cease immediately and, at our option, you must return or destroy any copies of the materials you have made. No right, title or interest in or to the Platforms or any content on the Platforms is transferred to you, and all rights not expressly granted are reserved by Lenditt. Any use of the Platforms not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark and other laws.

    If you voluntarily submit any suggestions, comments, ideas, proposals, enhancement requests, reviews, or other feedback relating to the Website or Products ("Feedback"), you acknowledge that such Feedback is provided voluntarily and without expectation of confidentiality or compensation. You hereby grant Lenditt a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable licence to use, reproduce, modify, adapt, publish, distribute, commercialize, and otherwise exploit such Feedback for any lawful purpose without any obligation to acknowledge or compensate you.
     

  15. VERIFICATION
    Before we approve, disburse or continue to service any Product, we may verify certain information about you. By applying for a Product, you authorize Lenditt and/or its authorized partners to carry out the verification activities described in this Section using the methods, technologies and service providers we consider appropriate.

    We may verify your identity, employment, income and banking information using the information and documentation you provide, information obtained from your employer or financial institution, government-issued identification, secure third-party verification providers and other verification methods we reasonably consider appropriate. Where required, we may request additional information or documentation to complete our verification process. Where biometric verification is used, you will be asked to capture a single static photo of your face using your device's camera, which we compare against your government-issued identification and/or credit bureau file and use to perform a liveness check to confirm you are a live person present at the time of capture. Your consent is required to complete this process; your selfie image is not shared with third parties for marketing purposes and is used only for identity verification, fraud prevention and compliance purposes, in accordance with the Applicable Laws and our Privacy Policy. If you choose not to provide your consent to biometric or facial verification where such verification is required, Lenditt may be unable to verify your identity and, as a result, may be unable to process or approve your Product application or provide certain Products or services to you.

    In assessing your Product application and your ongoing eligibility, we may use automated and algorithmic decision-making processes that evaluate information such as your financial history, income, existing credit obligations, identity verification results and fraud indicators, as further described in our Privacy Policy.

    By applying for a Product, you authorize Lenditt and or its authorized partners to obtain, use, update and disclose credit and financial information as described in our Credit Bureau Authorization. We may also report information relating to your Account and repayment history to credit reporting agencies in accordance with Applicable Law.

    We may conduct such verification as necessary to comply with applicable know-your-customer, anti-money laundering, anti-terrorist financing and other legal or regulatory requirements. Where required by Applicable Law, we may decline, delay or suspend an application or Product until the required verification has been completed. We may re-verify your information during the term of your Loan Agreement where necessary for fraud prevention, security, regulatory compliance or where your circumstances change. You agree to cooperate with any reasonable verification request.
     

  16. ELECTRONIC SERVICES
    You consent to execute applications, Loan Agreements, PAD Authorizations and other related documents electronically, and agree that your electronic signature has the same legal effect as a handwritten signature to the extent permitted by Applicable Law. You also consent to receive notices, disclosures, agreements, statements, payment reminders and other communications electronically by email, SMS, push notification, through our mobile application and/or your Account.

    Where you provide us with a mobile phone number and consent to receive text messages, you may receive SMS communications relating to your Account, payment reminders, and, where you have provided separate marketing consent, promotional messages. Message and data rates may apply; please contact your wireless carrier for details. We are not responsible for delayed or undelivered messages. Providing a mobile phone number is required to create and maintain your Account and, where applicable, for identity verification or as a condition of a Product, and you may withdraw your consent to receive marketing or other non-essential text messages at any time without affecting your Account. However, we may continue to send transactional or service-related communications that are necessary for the operation of your Account or the provision of the Products.

    Telephone calls with our customer service, collections or operations representatives may be recorded and monitored for quality assurance, training and dispute-resolution purposes. You may be notified of any such recording by an automated message at the outset of the call.

    You agree that electronic versions of your Loan Agreement, disclosures, statements and other Product-related documents satisfy any legal requirement that such documents be provided in writing. You are responsible for maintaining current contact information and retaining copies of any documents you wish to keep. You may request copies of your electronic documents by contacting us.

    We may provide access to your Product information through our mobile application, where you can view your Account information, repayment schedule, statements and other available services. You are responsible for maintaining the security of your login credentials and for all activity carried out through your Account.
     

  17. REPAYMENT
    Your repayment obligations, including the repayment schedule, payment frequency, repayment method, interest rate, fees, and other Product-specific terms, will be set out in your Loan Agreement (for Payday Loans) or your Cost of Credit Disclosure Statement (for Installment Loans), together with any other applicable loan documentation provided to you.

    Repayments must be made on or before the due dates specified in your Loan Agreement using a payment method accepted by Lenditt, including PAD or any other payment method approved by us from time to time. You are responsible for ensuring that your payment information remains accurate and that sufficient funds are available to meet your repayment obligations.

    Where repayment is made through PAD, you authorize Lenditt to debit your designated bank account in accordance with your PAD Authorization and Loan Agreement. The terms governing your PAD authorization, including applicable fees for returned or failed payments, re-presentment of payments, cancellation procedures, reimbursement rights and your other rights and obligations, are set out in your PAD Authorization and Loan Agreement which are governed by Applicable Law.

    The applicable interest rate, fees, annual percentage rate (APR), total cost of borrowing, repayment schedule and any early repayment rights will be disclosed to you before your Product is disbursed and will be governed by your Loan Agreement and Applicable Law.

    If you fail to make a payment when due, your Account may be considered in default and we may exercise the rights available to us under your Loan Agreement and Applicable Law, including charging applicable fees or interest, reporting your repayment history to credit reporting agencies and taking lawful collection action.

    If a PAD or other authorized payment is returned or dishonoured due to insufficient funds, a closed account, stop payment instruction, or any other reason attributable to you, a non-sufficient funds ("NSF") fee may be charged as disclosed in your Loan Agreement, Cost of Credit Disclosure Statement, or other applicable loan documentation, subject to Applicable Law.

    For Ontario residents, the maximum fee for a dishonoured or returned payment is $20, and default interest on overdue amounts will not exceed 2.5% per month on the outstanding principal, in each case as prescribed under the Payday Loans Act, 2008 (Ontario) and its regulations.

    In addition to any NSF fee, your Loan Agreement may provide for a late payment penalty that accrues on overdue amounts from the date payment was due until paid in full, at a rate disclosed to you in your Loan Agreement and pre-disbursement disclosure and not exceeding the maximum permitted under Applicable Law.

    You may request a change to your scheduled repayment date through your Account or by contacting us. Repayment date changes are subject to any applicable fee, which will be disclosed to you in your Loan Agreement and pre-disbursement disclosure before it is charged.

    You may repay your Product in full or in part before the scheduled due date at any time, without penalty. Where you repay early, interest will be calculated only up to the date your Product is repaid in full, and you will not be charged interest for any period after that date. Any amounts owing at the time of early repayment will be disclosed to you upon request.

    Where applicable after Event of Default, Lenditt may undertake lawful collection activities or appoint authorized third-party service providers to recover outstanding amounts owing under any loan or financial product. Any such collection activities shall be conducted in accordance with Loan Agreement, applicable federal and provincial consumer protection, debt collection, privacy, and other Applicable Laws. Detailed repayment obligations, events of default, and remedies relating to any loan are governed by the applicable loan agreement and related lending documents.

    Where Lenditt or its authorized third-party service providers contact you regarding a payday loan in default, such contact will comply with restrictions under Applicable Law, including limits on the frequency of contact and prohibitions on contacting your employer, family members, or acquaintances except as permitted by Applicable Law.
     

  18. GEOGRAPHIC RESTRICTIONS AND PRODUCT AVAILABILITY
    The Platforms and our Products are provided for use only by persons located in Canada, and are only available to residents of the provinces in which the applicable Product is licensed and offered. Product availability varies by province and by Product: for example, a Product may be available only in certain provinces, and may not be available in every province in which we operate other Products. Current Product availability by province will be indicated to you during the application process on the Platforms. We make no representation that the Platforms or any Product is accessible, appropriate or lawful to use outside of the provinces in which it is offered, and if you access the Platforms from outside Canada or from a province in which the applicable Product is not offered, you do so on your own initiative and are responsible for compliance with local law. Nothing in these Terms constitutes an offer of a Product in any jurisdiction where such Product is not authorized to be offered.

    Lenditt does not currently offer any Product to residents of the Province of Quebec or the Province of Newfoundland and Labrador. If you are a resident of Quebec or Newfoundland and Labrador, you are not eligible to apply for or receive any Product, and nothing in these Terms or on the Platforms constitutes an offer of a Product to residents of those provinces.
     

  19. DISPUTE RESOLUTION
    The parties shall first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Platforms through good faith negotiations. If the dispute is not resolved through negotiation, the parties may, by mutual written agreement after the dispute has arisen, refer the dispute to arbitration before a mutually agreed arbitrator or arbitral institution in accordance with the applicable arbitration laws of the province or territory of your residence.

    The arbitrator's decision shall be final and binding, subject to any rights of appeal, review, or other remedies available under Applicable Law. Each party shall bear its own legal costs and expenses relating to the arbitration, unless otherwise determined by the arbitrator or required by Applicable Law.

    Nothing in this Section limits either party's right to seek interim, injunctive, or other equitable relief from a court of competent jurisdiction, or limits any statutory rights or remedies available under Applicable Law.

    Where you have entered into a Loan Agreement with Lenditt, any dispute resolution provisions contained in the applicable Loan Agreement shall prevail to the extent of any inconsistency with this Section.
     

  20. GOVERNING LAW AND JURISDICTION
    These Terms are governed by the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of law principles, subject always to Section 21 (Provincial and Statutory Compliance). If an Applicable Law is inconsistent with any part of these Terms, these Terms will be deemed modified to the extent necessary to conform to that Applicable Law, and the remaining provisions will otherwise remain in full force and effect.

    Nothing in this Section limits or excludes any mandatory rights, remedies, or protections available to you under the consumer protection or other Applicable Laws of your province of residence.
     

  21. PROVINCIAL AND STATUTORY COMPLIANCE
    Where applicable federal or provincial consumer protection, payday lending, consumer credit, or other Applicable Laws require specific disclosures, borrower rights, statutory protections, or consumer remedies that differ from these Terms, those mandatory legal requirements shall prevail to the extent of any inconsistency. Nothing in these Terms is intended to exclude, restrict, waive, or limit any statutory right, protection, remedy, or benefit available to you under Applicable Law, and any provision of these Terms that is inconsistent with Applicable Law shall be deemed modified or severed only to the extent necessary to comply with such Applicable Law.
     

  22. THIRD-PARTY LINKS AND SERVICE PROVIDERS
    We work with third-party service providers to help us verify your identity, income, employment and bank account information, process payments, and deliver our Products, and we may share information with these providers as described in our Privacy Policy. Our Platforms may also contain links to third-party websites that are not operated by Lenditt (“Linked Sites”). We do not control and are not responsible for the content, privacy practices, or terms of use of any Linked Site, and inclusion of a link does not imply our endorsement of that site. You access any Linked Site at your own risk and should review its terms and privacy policy before providing any information.

    We may also disclose your Personal Information to collection agencies, legal counsel, loan servicers, assignees, and purchasers of loan portfolios where reasonably necessary for the administration, servicing, enforcement, collection, sale, assignment, securitization or management of loans and related obligations.
     

  23. CUSTOMER REPRESENTATIONS AND WARRANTIES
    By using the Platforms and applying for a Product, you represent and warrant that:

    • all information you provide to us, at application and on an ongoing basis, is true, accurate and complete, and you will promptly notify us of        any change;

    • you are applying for a Product for your own personal use and not on behalf of, or for the benefit of, any other person;

    • you are not currently bankrupt, subject to bankruptcy or insolvency proceedings, or contemplating bankruptcy or insolvency proceedings,          except as disclosed to us; and

    • your application and use of any Product will not involve any fraudulent, unlawful or misleading conduct.

      In addition, you agree that you will not use the Platforms to:

    • Upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory,    infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically    or otherwise objectionable;

    • Register for more than one Account, register an Account on behalf of another individual, or operate an Account on behalf of or for the benefit  of any other person;

    • Impersonate any person, or falsely state or otherwise misrepresent yourself, your age or your affiliation with, or authority to act on behalf of,  any person;

    • Upload, post, transmit, share, store or otherwise make publicly available on the Platforms any private information of any third party,                  including,without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;

    • Attempt to do any prohibited conduct, or inappropriate use, or assist or permit any persons in engaging or attempting to engage in any            prohibited conduct, or inappropriate use, as determined by us in our sole discretion.

    • Provide false, inaccurate or misleading information in a Product application, or impersonate another person for the purpose of obtaining a      Product;

    • Use loan proceeds for unlawful gambling or any gambling activity prohibited under Applicable Law;

    • Circumvent, disable or otherwise interfere with our identity, employment, income, bank account or credit verification processes described in  Section 14.

    • Use loan proceeds to finance, facilitate, or otherwise support any criminal or unlawful activity, including money laundering, terrorist financing,  fraud, or any activity prohibited under Applicable Law;

    • you are not using the Platforms or any Product for the benefit of any sanctioned person or entity or in violation of any applicable sanctions,    anti-money laundering, or anti-terrorist financing laws.
       

  24. INDEMNIFICATION
    You agree to defend, indemnify and hold harmless Lenditt, its affiliates and licensors and their respective officers, directors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable legal fees and expenses) resulting from your violation of these Terms or your use of the Platforms, including, without limitation, any use of the Platforms’ content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Platforms.
     

  25. SUSPENSION AND TERMINATION
    We may suspend or terminate your access to the Platforms or your Account, in whole or in part, immediately and without prior notice, where we reasonably believe:

    • you have breached these Terms or any Loan Agreement;

    • your Account is being used fraudulently or for unlawful purposes;

    • suspension or termination is necessary to comply with Applicable Law or a regulatory requirement, or to respond to a request from a regulator  or law enforcement; or

    • continued access poses a security or fraud risk to you, Lenditt or any third party. Suspension or termination of your access to the Platforms        does not affect your obligations under any existing Loan Agreement, which continue in accordance with their terms. Where we suspend or          terminate your Account, we will, where reasonably practicable and not prohibited by Applicable Law or an ongoing investigation, provide you    with notice of the reason.
       

      Where you breach these Terms, we may also pursue any other remedy available to us under Applicable Law, including recovery of amounts owing to us and, where warranted, referral of the matter for legal action.
       

  26. DISCLAIMER OF WARRANTIES
    You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Platforms will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to the Platforms for any reconstruction of any lost data. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Platforms or any services or items obtained through the Platforms or to your downloading of any material posted on it, or on any website linked to it.

    Lenditt hereby disclaims all warranties of any kind, either express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose. The foregoing does not affect any warranties which cannot be excluded or limited under Applicable Law.
     

  27. LIMITATION OF LIABILITY
    In no event will Lenditt, its affiliates or their licensors, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Platforms, any websites linked to them, any content on the Platforms or such other websites or any services or items obtained through the Platforms or such other websites, including any direct, indirect, special, incidental, consequential or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable. The foregoing does not affect any liability which cannot be excluded or limited under Applicable Law.
     

  28. TAX LIABILITY
    You are solely responsible for determining and complying with any taxes, duties, levies, or other governmental charges that may apply to your access to or use of the Products or any transactions entered into through the Products. Except where required by applicable law, Lenditt shall not be responsible for calculating, collecting, reporting, or remitting any such taxes on your behalf.
     

  29. AMENDMENTS TO THESE TERMS
    We may amend these Terms from time to time to reflect changes in our Products, business practices, or Applicable Law. The updated Terms will be posted on the Platforms with a revised effective date. Where a change is material, we will provide notice by posting a notice on the Platforms, by email, or through your Account, as appropriate, in advance of the change taking effect where required by Applicable Law. Your continued use of the Platforms after an amendment takes effect constitutes your acceptance of the amended Terms. Amendments to these Terms do not apply retroactively to amend the terms of a Loan Agreement you have already entered into, except as required or permitted by Applicable Law or that Loan Agreement.
     

  30. SEVERABILITY AND WAIVER
    If any provision of these Terms, or its application in a particular circumstance, is held invalid or unenforceable, that provision will be construed to reflect the parties’ original intent as closely as possible, and the remainder of these Terms will remain in full force and effect. No failure or delay by Lenditt in exercising any right under these Terms will operate as a waiver of that right.
     

  31. FORCE MAJEURE
    We will not be liable for any delay or failure to perform our obligations under these Terms or any Loan Agreement to the extent such delay or failure results from a cause beyond our reasonable control, including, without limitation: internet, telecommunications or power outages; cyberattacks, hacking or other malicious acts; outages or disruptions affecting our banking partners, Interac or other payment networks; outages or disruptions affecting the Canada Revenue Agency, Equifax, TransUnion or other government or credit bureau systems on which we rely; acts of government, changes in Applicable Law or other government restrictions; and natural disasters, pandemics, fires, floods or other events of force majeure. We will use commercially reasonable efforts to resume performance as soon as reasonably practicable once the relevant event has been resolved. This Section does not relieve you of your obligation to make payments due under a Loan Agreement, except as required by Applicable Law.
     

  32. ASSIGNMENT
    We may assign, transfer or subcontract any or all of our rights and obligations under these Terms or any Loan Agreement, in whole or in part, without your consent, including in connection with a sale, securitization or servicing arrangement involving your Loan Agreement. These Terms and any Loan Agreement are binding on and enure to the benefit of the parties and their respective successors and permitted assigns. You cannot assign or transfer your rights or obligations under these Terms or any Loan Agreement without our prior written consent.
     

  33. SURVIVAL
    Provisions of these Terms that by their nature are intended to survive termination or expiry of these Terms or any Loan Agreement will survive, including, without limitation, provisions relating to Privacy, confidentiality, Intellectual Property Rights, Indemnification, Disclaimer of Warranties, Limitation of Liability, Dispute Resolution, Governing Law and Jurisdiction, and any obligation to pay amounts owing to Lenditt.
     

  34. ENTIRE AGREEMENT
    These Terms, together with our Privacy Policy, Cookie Policy, Credit Bureau Authorization, and any Loan Agreement you enter into with us, constitute the entire agreement between you and Lenditt with respect to your use of the Platforms and the applicable Product, and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to that subject matter.
     

  35. COMPLAINTS RESOLUTION PROCESS
    If you believe that a credit decision, charge, service, or any other aspect of your experience with Lenditt has been handled incorrectly or unfairly, you may submit a complaint using the complaint resolution process set out below.

    • Primary Level: You may submit your complaint by email to:
      General Support: support@lenditt.ca
      Repayment Queries: payments@lenditt.ca

    • Secondary Level (Privacy Officer): If you are not satisfied with the  received at the Primary Level, you may escalate your complaint  to the Privacy Officer by email at: grievance@lenditt.ca 

      At each level of the complaint resolution process, Lenditt will acknowledge receipt of your complaint (where required by Applicable Law), investigate the matter in a fair and impartial manner, and provide you with a response within fifteen (15) business days of receiving the complaint or escalation, or within such other timeframe as may be required by Applicable Law.

      You are encouraged to first seek resolution of your concerns through the Primary and Secondary levels of Lenditt's complaint resolution process. If you remain dissatisfied after completing both levels, you may refer your complaint to the applicable consumer protection authority, financial services regulator, or other competent regulatory authority in the province or territory of your residence, or to the applicable federal or provincial Privacy Commissioner where your complaint relates to privacy or the handling of Personal Information.

      Nothing in this Section limits or restricts your statutory rights or remedies under Applicable Law, including your right to submit a complaint directly to a regulator where permitted by Applicable Law.
       

  36. CONTACT INFORMATION
    If you have any questions or concerns about these Terms, please contact us at:
    Lenditt Technologies Inc. 5955 Jeanne D’Arc Blvd S, Orleans, ON K1C 2N1
    Phone: +1 289 499 2293
    Email: support@lenditt.ca

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