Disclosures & Disclaimers

Effective Date: May 24, 2025

Welcome to Payday Express. Your trust is important to us, and we are committed to keeping you informed about how our services operate. This Disclosures & Disclaimers page is intended to help you understand the nature of our platform, your rights and responsibilities, and the limitations of our services. By using this website or mobile application, you agree to the terms outlined below.

1. General Disclosure

Payday Express is a digital platform offering two types of financial services:

  • Payday Loans: Short-term loans offered directly by us or through third-party licensed lenders.

  • Peer-to-Peer (P2P) Lending: A marketplace that connects individual borrowers and lenders without the involvement of traditional banks.

Payday Express does not operate as a traditional bank, and our services may not be suitable for everyone. All lending is subject to approval based on credit checks, risk evaluation, identity verification, and compliance requirements.

2. Regulatory Compliance

Payday Express operates under the financial and consumer protection laws of Canada, including relevant provincial lending regulations and federal anti-money laundering laws.

 

Borrowers must be of legal age in their province, provide valid identification, and meet minimum income and residency requirements. Lenders must comply with Know Your Customer (KYC) policies and agree to our investor risk terms.

3. Interest Rates & Fixed Fees

  • Payday Loans typically include fixed fees instead of variable interest. These fees are disclosed during the application process and do not fluctuate with time.

  • P2P Loans are structured with fixed rates and lender fees agreed upon upfront by both parties.

Payday Express makes all loan terms transparent before signing. We do not charge hidden fees, and no user is obligated to accept an offer.

4. Peer-to-Peer Lending Disclosure

All P2P lending transactions carry risks. Lenders may not receive full repayment, and borrowers may be subject to credit checks or rejections.

  • We do not guarantee repayment to lenders.

  • All users participate voluntarily and accept the risks associated with peer-based finance.

  • Payday Express is not liable for disputes between individual users.

All P2P transactions are governed by the platform’s Loan Agreement Terms, which users must accept before participation.

5. No Financial or Legal Advice

The information on this website, in emails, or any communication from Payday Express is provided for informational purposes only.

  • It is not legal, investment, or financial advice.

  • We recommend consulting with certified financial advisors, tax consultants, or legal professionals before making lending or borrowing decisions.

6. Service Limitations

We strive to offer accurate and up-to-date content but make no guarantees regarding:

  • The accuracy or completeness of website information

  • Continuous platform availability or uptime

  • Third-party services or content

Payday Express is not responsible for any losses due to service interruptions, bugs, or reliance on posted content.

7. Loan Approval Disclaimer

Loan applications are subject to review. Approval is not guaranteed and may be denied based on:

  • Incomplete or inaccurate information

  • Failure to meet eligibility criteria

  • Risk assessment by our automated systems or manual reviewers

The decision of Payday Express or any third-party lender is final.

8. Risk of Default

Borrowers may face penalties for missed payments, including:

  • Late fees

  • Negative credit reporting

  • Legal action (depending on local laws)

Lenders must understand that their capital is at risk and returns are not assured.

9. Third-Party Links and Integrations

Our site may include links or integrations with third-party tools (e.g., credit check services, e-signature providers, payment gateways). We:

  • Do not control or endorse external content

  • Are not responsible for third-party practices

  • Encourage users to read external terms and privacy policies

10. Intellectual Property Notice

All content on the Payday Express platform—logos, text, images, software, and tools—is owned by or licensed to us. Reproduction, copying, or redistribution without express written consent is prohibited.

11. Indemnity Clause

By using our services, you agree to indemnify and hold harmless Payday Express, its affiliates, officers, and employees from any claim, loss, or liability arising from:

  • Violation of this policy or terms of use

  • Participation in lending or borrowing

  • Misuse of the platform

12. Changes to Disclosures & Disclaimers

We may update this page to reflect changes in our services, legal requirements, or industry standards. Updates will be posted with a new effective date. Continued use of the platform after changes implies acceptance.

Contact Us

f you have questions or require clarification, please contact us:

Payday Express Inc.
Email: legal@paydayexpress.ca
Phone: (+1) 800-555-LOAN (5626)
Address: [Your Office Address Here]

©2025. Payday Express. All Rights Reserved.

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