Terms of Service
Last Updated: December 2, 2025
Welcome to BorrowInTime.ca. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please read them carefully.
1. Acceptance of Terms
By accessing and using BorrowInTime.ca (the "Website"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these Terms of Service, please do not use this Website.
2. Description of Service
BorrowInTime.ca is a lead generation and loan comparison service. We are not a direct lender and do not make credit decisions. Our service:
- Connects consumers with third-party lending partners
- Provides a free comparison platform for payday loans and personal loans
- Forwards your information to potential lenders who may contact you with loan offers
- Does not guarantee loan approval or specific terms
3. Eligibility
To use our services, you must:
- Be at least 18 years of age (or the age of majority in your province)
- Be a legal resident of Canada
- Have a valid email address and phone number
- Have a bank account in your name
- Provide accurate and truthful information
4. How Our Service Works
When you submit your information through our Website:
- Information Collection: We collect the personal and financial information you provide in the application form
- Lender Matching: We share your information with lending partners in our network who may be able to offer you a loan
- Lender Contact: Matched lenders may contact you directly via phone, email, or SMS with loan offers
- Approval & Terms: Each lender makes their own credit decisions and determines loan terms independently
5. No Guarantee of Approval
Submitting an application through BorrowInTime.ca does not guarantee:
- That you will be approved for a loan
- A specific loan amount, interest rate, or terms
- That any lender will contact you
- The availability of same-day funding
All lending decisions are made solely by the individual lenders, not by BorrowInTime.ca.
6. Third-Party Lenders
The lenders in our network are independent third parties. BorrowInTime.ca:
- Does not endorse any specific lender
- Is not responsible for lender actions, decisions, or loan terms
- Does not guarantee the quality or legality of lender services
- Recommends you carefully review all loan terms before accepting any offer
Each lender operates under their own terms of service and privacy policy. You should review these documents before accepting any loan offer.
7. Fees and Costs
BorrowInTime.ca is free to use. We do not charge consumers any fees for using our comparison service or submitting loan applications.
However, the lenders you are matched with may charge:
- Interest and finance charges
- Origination or processing fees
- Late payment fees
- Non-sufficient funds (NSF) fees
All fees and charges are disclosed by the lender before you accept a loan. You are responsible for understanding and accepting these costs.
8. Accuracy of Information
You agree to provide accurate, current, and complete information when using our services. Providing false or misleading information:
- May result in loan application denial
- Could constitute fraud
- May result in termination of your access to our services
9. Communications and Consent
By submitting your information, you consent to receive communications from:
- BorrowInTime.ca regarding your application status
- Lending partners with loan offers and related information
- Third-party service providers who assist with loan processing
Communications may be via:
- Phone calls (including automated calls)
- Text messages (SMS)
You may opt out of marketing communications at any time by following unsubscribe instructions or contacting us directly.
10. Privacy and Data Protection
Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.
11. Intellectual Property
All content on BorrowInTime.ca, including text, graphics, logos, images, and software, is the property of BorrowInTime.ca or its licensors and is protected by copyright and trademark laws. You may not:
- Copy, reproduce, or distribute our content without permission
- Use our trademarks or branding without authorization
- Create derivative works based on our Website
12. Prohibited Uses
You agree not to use our Website for any unlawful purpose or in any way that could damage, disable, or impair our services. Prohibited activities include:
- Submitting false or fraudulent information
- Attempting to gain unauthorized access to our systems
- Using automated tools (bots, scrapers) to access our Website
- Interfering with other users' access to our services
- Violating any applicable laws or regulations
13. Disclaimers and Limitation of Liability
No Warranties: Our Website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:
- Our services will be uninterrupted or error-free
- Results obtained from using our services will be accurate or reliable
- The quality of services will meet your expectations
Limitation of Liability: To the fullest extent permitted by law, BorrowInTime.ca shall not be liable for any:
- Direct, indirect, incidental, or consequential damages
- Loss of profits, revenue, or data
- Damages arising from your use of our services or inability to use our services
- Damages resulting from actions or inactions of third-party lenders
14. Indemnification
You agree to indemnify and hold harmless BorrowInTime.ca, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:
- Your use of our services
- Your violation of these Terms of Service
- Your violation of any rights of another party
15. Links to Third-Party Websites
Our Website may contain links to third-party websites operated by our lending partners or other entities. We are not responsible for:
- The content or privacy practices of these websites
- Any products or services offered by third parties
- The accuracy or reliability of third-party information
You access third-party websites at your own risk.
16. Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of our services after changes are posted constitutes your acceptance of the modified terms.
We encourage you to review these Terms periodically to stay informed of any updates.
17. Termination
We reserve the right to terminate or suspend your access to our services at any time, without notice, for any reason, including if we believe you have violated these Terms of Service.
18. Governing Law and Dispute Resolution
These Terms of Service shall be governed by and construed in accordance with the laws of Canada and the applicable provincial laws.
Any disputes arising from these Terms or your use of our services shall be resolved through:
- Good faith negotiations between the parties
- If negotiations fail, binding arbitration in accordance with Canadian arbitration rules
19. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
20. Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and BorrowInTime.ca regarding the use of our services.
21. Contact Information
If you have any questions about these Terms of Service, please contact us:
BorrowInTime.ca
681 Leeward Hwy, TKCA 1ZZ, TCI
Email: support@borrowintime.ca
Important Reminder: BorrowInTime.ca is a lead generation service and loan comparison platform. We are not a lender and do not make credit decisions. All loan terms, including APR, fees, and repayment schedules, are determined by the individual lenders you are matched with. Please borrow responsibly and ensure you can afford to repay any loan before accepting an offer.