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.
About CashWaves
CashWaves is an informational website that provides educational content related to short-term lending in Canada. We are not a lender, broker, financial institution, or financial advisor.
- Payday loans in Canada
- Installment loans
- E-Transfer loan options
- Province-specific lending regulations
- Issue loans
- Approve applications
- Set loan terms
- Guarantee approval
- Guarantee funding timelines
- Third-party lenders
- Individual lenders only
- No CashWaves involvement
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.
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, carefully review the lender's agreement and consider seeking independent financial advice if needed.
Third-Party Lenders & Services
CashWaves may connect users with third-party lenders or service providers. Loan offers, interest rates, fees, and repayment terms are determined solely by the lender — not by us.
- We do not control lender decisions
- We do not guarantee approval or loan terms
- We do not guarantee funding speed
If you have questions about a loan agreement, contact your lender directly.
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. Using our platform is always free for Canadians.
Provincial Regulations
Payday loans in Canada are regulated at the provincial level. Users are responsible for reviewing the laws and regulations applicable in their province.
Visit our Locations section for province-specific information and regulatory details.
Accuracy of Information
We strive to keep all content accurate and up to date. However, regulations, lender policies, fees, and terms may change at any time.
- Regulations may change without notice
- Lender policies may be updated independently
- Fees and terms may vary by lender and province
CashWaves does not guarantee the completeness or accuracy of all information at all times.
Limitation of Liability
CashWaves shall not be held liable for the following. Users assume full responsibility for their borrowing decisions.
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 of any content from this Website is strictly prohibited.
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 when you interact with our platform.
CashWaves does not sell personal information to third parties. Read our full Privacy Policy for details.
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 after any changes constitutes your acceptance of the updated Terms of Service.
12. Contact Information
If you have questions about these Terms of Service, we welcome your inquiry. Transparency is a core part of who we are.
Last Updated: March 2, 2026