INTRODUCTION
We publish the terms and conditions of use for our Website (“Terms and Conditions of Use”) for everyone to see, at any time. By using our Website Lenditt Technologies Inc. operating as Lenditt, you are agreeing to the Terms and Conditions of Use set forth below. These Terms and Conditions of Use constitute a legal contract between you and Lenditt Technologies Inc. and cover all aspects of your use of the Website Lenditt, including all of its pages, and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service we may provide you.
YOUR PRIVACY
We respect your right to privacy. By using the Sites, you consent to the collection, use, disclosure and retention of your personal information by or on behalf of Lenditt Technologies Inc. as explained in the Privacy Policy Agreement, which is accessible at our Sites, as revised from time to time, and as otherwise permitted by applicable law.
MINORS
Parents are solely responsible for any and all supervision of minors. We are not responsible for the content of material posted. The Website is not directed at children under the age of Eighteen (18) and the Company does not knowingly collect personal information from any child under the age of eighteen (18) at the Website
ELIGIBILITY
You must be at least 18 years old to access and use the Sites or register a Lenditt account. The Sites may contain technologies that restrict or limit their use (including restrictions based on location). The products and services offered through our Sites are only intended for access and use by people located in Ontario. We make no claims that the Sites or any of its content is accessible or appropriate outside of Ontario. If you access or use the Sites from outside Ontario, you do so on your own initiative and are responsible for compliance with local laws.
COOL-OFF PERIOD
You may be able to cancel your Payday loan agreement without any fees if you decide to Cancel the agreement and return the loan amount within 2 days of signing. You have till the end of the second day to do this. For example, if you signed the agreement at 11 a.m. on a Wednesday, you have until the end of the day on Thursday, when the payday lender closes, to cancel the agreement along with return of deposited loan amount.
REFUND AND CANCELLATION POLICY
Lenditt does not provide any refund or cancellation other then cool-off period to cancel the payday loan within stipulated timeframe as mentioned in Cool-off Period section.
COOKIES
We may set cookies to track your use of the Platform. Cookies are small encrypted files, that a site or its service provider transfers to your device’s hard drive that enables the sites or service provider’s systems to recognize your device and capture and remember certain information. By using the Application, you signify your consent to our use of cookies.
CHANGES TO THE WEBSITE
We may update the Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material. We may change the Website at any time with or without notice. We may suspend access to the Website, or close it indefinitely.
PROHIBITED USES
You agree to use the Sites and the services offered for lawful purposes only and in compliance with these Terms and all applicable laws, rules and regulations. You warrant to Lenditt Technologies Inc. that you may not use the Sites in any manner which could damage, disable, overburden, or impair the Sites or interfere with any other party’s use and enjoyment of the Sites. Additionally, you agree not to gain or attempt to gain unauthorized access to, interfere with, damage or disrupt any part of the Sites, the server on which the Sites are stored, or any server computer or database connected to the Sites.
INTELLECTUAL PROPERTY RIGHTS
The Website and its 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 the Company, 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 use the Website for your personal, non-commercial use only. You must not copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our site, except to:
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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 the applicable law.
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Store copies of such materials temporarily in RAM.
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Store files that are automatically cached by your Web browser for display enhancement purposes.
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Print a reasonable number of pages of the Website for a permitted use.
You must not:
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Modify copies of any materials from this site.
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Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text.
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Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.
You must not reproduce, sell or exploit for any commercial purposes any part of the Website, access to the Website or use of the Website or any services or materials available through the Website.
If you print, copy, modify, download or otherwise use any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the site is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.
GEOGRAPHIC RESTRICTIONS
We provide this Website for use only by persons located in Canada. We make no claims that the Website or any of its content is accessible or appropriate outside of Canada. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside Canada, you do so on your own initiative and are responsible for compliance with local laws.
ARBITRATION
Any dispute arising out of or relating to these Terms and Conditions of Use or the Website shall be resolved by binding arbitration in accordance with the provisions of the laws of Ontario, as amended, in effect at the time the proceedings begin, with the exception of any action that seeks equitable relief (including without limitation for the purpose of protecting any Lenditt and its subsidiary websites, confidential information and/or intellectual property rights). Any such dispute or claim must be arbitrated separately from any other party's dispute or claim and cannot be merged in any arbitration. The province of Ontario will host the arbitration. The parties, their representatives, and the arbitrator shall treat all information pertaining to or revealed by any party in connection with the arbitration of any disputes under this agreement as confidential business information. Without the prior written consent of the party providing the information, neither party nor their respective representatives may divulge such information. Without both parties' previous written consent, the arbitrator may not reveal such information. Each party is responsible for paying its own legal expenses related to any arbitration proceedings.
Any court with jurisdiction over the parties, their assets, or the enforcement of the award returned by the arbitrator may enter judgment on the award. Any award made by the arbitrator shall be the parties' entire and exclusive remedy. he parties hereby waive all rights to judicial review of the arbitrators decision and any award contained therein.
GOVERNING LAW AND JURISDICTION
These Terms constitute the entire agreement between you and Lenditt regarding your use of our Sites. These Terms of Use shall be governed in all respects by the laws of the Province of Ontario Canada, and applicable federal laws of Canada, without giving effect to any choice of law or conflict of law provision or rule. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification. If any part of this Terms is held invalid, or unenforceable that portion shall be construed to reflect the parties’ original intent, and the remaining portions shall remain in full force and effect.
LINKS TO OTHER SITES
Our Sites may contain links or references to other sites (collectively, “Linked Sites”) that are not operated by Lenditt Technologies Inc. WE DO NOT CLAIM NOR ACCEPT RESPONSIBILITY FOR ANY CONTENT OF SUCH OTHER LINKED SITES. We are not liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with your use of, or reliance on, any third-party Linked Sites or content. Lenditt is providing these links to you, only as a convenience, and the inclusion of any link does not imply endorsement by Lenditt of the Linked Site or any association with its operation. You agree that it is your responsibility to review and evaluate any such content, and that any and all risk associated with the use of, or reliance on, such content rests with you. You are responsible for viewing, accepting and abiding by the terms of use and privacy policies posted at these third-party Linked Sites.
CUSTOMER REPRESENTATIONS
You agree that you may not use the Site in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Site. In addition, you agree not to use the Site 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;
Except where authorized by Lenditt Technologies Inc., register for more than one account, register for an account on behalf of an individual other than yourself, operate an account on behalf of or for the benefit of any person who is not eligible to register for or operate an account in their own name;
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 Site 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.
Credit Bureau Authorization, Terms and Conditions and Privacy Disclosures Applicable to Your Lenditt Application
CREDIT BUREAU AUTHORIZATION
You consent to Lenditt Technologies Inc. using your Personal Information to obtain, validate or exchange credit information and other financially related information about you at any time during the term of this agreement from any credit reporting agency, credit bureau, other financial services industry databases, your employer(s), your telecommunications services provider, mobile services provider, or any person who has or may have financial dealings with you for the purposes outlined in the Privacy Code. Lenditt Technologies Inc. may use the information you provide to us when opening or operating any accounts you have with us to confirm or validate such information with third parties.
INDEMNIFICATION
You agree to defend, indemnify and hold harmless the Company, 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 attorneys’ fees) resulting from your violation of these Terms of Use or your use of the Website, including, without limitation, any use of the Website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from the Website.
BREACH OF THESE TERMS OF USE
If you breach any of these terms and conditions, you might have to face severe circumstances. These circumstances may be initiated by sending you a formal warning notice, your access can be suspended or your Desktop/laptop can be blocked, as we can contact your internet provider and block your internet access, we can even take action in court for the breach of contract.
DISCLAIMER OF WARRANTIES
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website 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 our site 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 website or any services or items obtained through the website or to your downloading of any material posted on it, or on any website linked to it.
The company 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.
LIMITATION ON LIABILITY
In no event will the company, 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 website, any websites linked to it, any content on the website or such other websites or any services or items obtained through the website 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.
SEVERABILITY
Any failure by Lenditt Technologies Inc. to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms with regard to the use of the Site. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and Lenditt Technologies Inc. with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and Lenditt Technologies Inc. with respect to such use are hereby superseded and cancelled.
The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and the Company with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website