CONSENT TO DOING BUSINESS ELECTRONICALLY
You agree that we may deliver to you all notices, disclosures and other documents by means of email, by posting on the Website or to your account with us, or by other means of electronic communication. By accessing the Website, you consent to transact business electronically and to receive electronically all notices, disclosures and other documents relating to you and Quad-Fi. You must inform us of any changes in your email so that you continue to receive all notices without interruption. We may choose to deliver notices, disclosures and other documents to you by regular mail, registered mail or courier. You must inform us of any changes in your mailing address so that you continue to receive all notices without interruption.
CONSENT FOR CREDIT CHECKS
If you apply for a loan using the Website, you will be asked to provide consent to Quad-Fi obtaining a credit report and/or a credit score from a credit reporting agency. By providing such consent, you consent to Quad-Fi and any of its service providers, affiliates or agents obtaining and using your credit and other personal information (including credit reports) from any credit reporting agency, and exchanging information with any credit reporting agency, on an ongoing basis. You acknowledge that this consent is being obtained to determine your eligibility for a loan, and, if approved, to open and administer your loan, review and verify your ongoing creditworthiness, and manage and assess risk. You authorize any credit reporting agency to provide this information to Quad-Fi and any of its service providers, affiliates or agents.
You will be required to create an account to access certain parts of the Website, including your loan. Upon registration, you will choose a username and password and may be asked to provide other distinctive information, such as personal information or account recovery questions (collectively, “Access Credentials”). You are responsible for maintaining the confidentiality of Access Credentials associated with any account you use to access the Website, as well as for all activities that occur under your account. You agree to immediately notify Quad-Fi of any unauthorized use of your login information or any other breach of security. Accessing (or attempting to access) the Website by any means other than through the means we provide is strictly prohibited and you agree not to access (or attempt to access) the Website through any automated or alternative means without our express prior written consent, which may be withheld in our absolute discretion. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you or any loss or disclosure of your Access Credentials.
LOAN PRE-REGISTRATIONS AND APPLICATIONS
You may be presented with the opportunity to pre-register and/or apply for a loan through the Website. When pre-registering or applying for a loan on the Website, you agree to provide current, complete and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, incomplete or otherwise misleading, Quad-Fi has the right to terminate your loan pre-registration and/or application and to decline to provide any and all future use of the Website. We reserve the right to decline your application for a loan.
LINKS TO THIRD-PARTY SITES
In connection with your use of the Website, we may send you marketing offers about third party financial products or services that may be of interest to you (“Third Party Offers”). Quad-Fi makes no representations or guarantees regarding your eligibility or qualification for such Third Party Offers. If you have any questions regarding any Third Party Offers, you must contact the third party directly. You understand and agree that Quad-Fi is merely providing you with information on Third Party Offers that may be of interest to you, and that Quad-Fi has no control over or responsibility for the Third Party Offers or any loss that you may suffer as a result of the use of, or your inability to avail yourself of, such Third Party Offers. You should exercise your own judgment and obtain any expert advice you consider necessary prior to entering into an arrangement with a third party.
LIMITATION OF LIABILITY
Under no circumstances will Quad-Fi be liable for any damages including general, special, direct, indirect, incidental, consequential, punitive or any other damages (including, without limitation, lost profits, lost or damaged data, business interruption or debt servicing costs) of any kind whether in an action in contract, negligence or any other legal theory, arising or relating in any way to the use or inability to use by any party of the Website, our Services or any third-party Website to which the Website is linked, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, computer hacking, even if Quad-Fi, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Your sole and exclusive remedy is to stop using the Website and cease to use our Services. If your use of the Website results in the need for servicing, repair or correction of equipment or data, you accept such result and assume any costs thereof. If the foregoing limitation is found to be invalid, you agree that the total liability of Quad-Fi for all damages, losses, or causes of action of any kind or nature shall be limited to the greatest extent permitted by applicable law.
LIMITATION OF WARRANTIES
The Website is provided on an “As-Is” or “As-Available” basis, and Quad-Fi expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to, any implied warranties and conditions of merchantability, fitness for any particular purpose or non-infringement. Quad-Fi does not warrant: (i) that the Website will function on an uninterrupted or error-free basis, or be free of viruses or other harmful components; or (ii) the accuracy, completeness, reliability or currency of the Website Content.
Certain information on the Website is for informational purposes only. Nothing on the Website constitutes financial, legal, tax or other advice to you and should not be relied upon by you in that regard.
Quad-Fi has no obligation to monitor access to or use of the Website, however, you acknowledge that Quad-Fi has the right to monitor the Website electronically at any time and from time to time, including without limitation, in order to: (i) to satisfy any applicable law, regulation or governmental request; (ii) to operate and improve the Website and our Services; or (iii) to protect itself or other users of the Website.
LAW AND MISCELLANEOUS
CHANGES TO THESE TERMS
67 Yonge Street
Canada M5E 1J8