General Terms of Service

Welcome to CashWaves (“we,” “our,” or “us”). By accessing or using www.cashwaves.ca (the “Website”), you agree to be bound by these Terms of Service.

If you do not agree with these terms, please do not use this Website.

1. About CashWaves

CashWaves is an informational website that provides educational content related to:

• Payday loans in Canada
• Installment loans
• E-Transfer loan options
• Province-specific lending regulations

CashWaves is not a lender, broker, financial institution, or financial advisor.

We do not:

• Issue loans
• Approve applications
• Set loan terms
• Guarantee approval
• Guarantee funding timelines

All loan decisions are made solely by third-party lenders.

For more information about our platform, please review our About Us.

2. Use of the Website

By using this Website, you confirm that:

• You are at least the age of majority in your province
• You will use the Website for lawful purposes only
• You will not misuse, copy, or redistribute content without permission

Unauthorized use of this Website may give rise to legal claims.

3. No Financial Advice

All information provided on CashWaves is for educational and informational purposes only.

Nothing on this Website should be considered:

• Financial advice
• Legal advice
• Investment advice
• Credit counselling

Before accepting any loan, you should carefully review the lender’s agreement and consider seeking independent financial advice if needed.

4. Third-Party Lenders & Services

CashWaves may connect users with third-party lenders or service providers.

We:

• Do not control lender decisions
• Do not guarantee approval
• Do not guarantee loan terms
• Do not guarantee funding speed

Loan offers, interest rates, fees, and repayment terms are determined solely by the lender.

If you have questions about a loan agreement, contact your lender directly.

5. Affiliate Disclosure

CashWaves may receive compensation from lending partners when users are referred through our Website.

This compensation does not influence our educational content or regulatory explanations.

We aim to provide transparent, accurate information to help users make informed decisions.

6. Provincial Regulations

Payday loans in Canada are regulated at the provincial level.

For example:

• In Ontario, payday lending is regulated by the Financial Services Regulatory Authority of Ontario (FSRA)
• In Alberta, oversight is provided by Service Alberta

Users are responsible for reviewing the laws and regulations applicable in their province.

You may visit our Locations section for province-specific information.

7. Accuracy of Information

We strive to keep all content accurate and up to date. However:

• Regulations may change
• Lender policies may change
• Fees and terms may vary

CashWaves does not guarantee the completeness or accuracy of all information at all times.

8. Limitation of Liability

CashWaves shall not be held liable for:

• Loan approval or denial
• Loan terms or lender practices
• Financial losses resulting from borrowing decisions
• Delays in funding
• Disputes between users and lenders

Users assume full responsibility for their borrowing decisions.

9. Intellectual Property

All content on this Website, including text, logos, branding, and layout, is the property of CashWaves unless otherwise stated.

Unauthorized reproduction or redistribution is prohibited.

10. Privacy

Your use of this Website is also governed by our Privacy Policy.

Please review it to understand how data may be collected and used.

11. Modifications to Terms

We may update these Terms of Service at any time without prior notice.

The updated version will be posted on this page with a revised “Last Updated” date.

Continued use of the Website constitutes acceptance of any changes.

12. Contact Information

If you have questions about these Terms of Service, please visit our Contact Us.

Last Updated: March 2, 2026