CashWaves ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how information may be collected, used, and shared when you visit www.cashwaves.ca (the "Website").
By using this Website, you agree to the terms outlined in this Privacy Policy. CashWaves is not a lender and does not issue loans or make credit decisions.
Section 01
Who We Are
CashWaves is an informational website that provides educational content about short-term lending in Canada. We are not a lender and do not issue loans or make credit decisions.
Online Payday Loans in Canada
Educational info about short-term lending options
Installment Loans
Comparisons and guidance on longer-term options
E-Transfer Lending Options
Fast electronic funding information
Provincial Lending Regulations
Up-to-date regulatory information per province
For more information, please review our About Us page.
Section 02
Information We May Collect
A. Information You Voluntarily Provide
If you submit a contact form or inquiry, we may collect:
- Name
- Email address
- Message content
Note: We only collect information that you voluntarily provide.
B. Automatically Collected Information
When you visit our Website, certain information may be collected automatically, including:
- IP address
- Browser type
- Device type
- Pages visited
- Time spent on pages
- Referring website
This information helps us improve website performance and user experience.
Section 03
Cookies & Tracking Technologies
We may use cookies and similar tracking technologies to:
- Analyze traffic
- Improve functionality
- Track affiliate referrals
- Measure marketing performance
Cookies are small data files stored on your device.
Cookie Setting: You can disable cookies in your browser settings, but some features of the Website may not function properly.
Section 04
Affiliate & Third-Party Links
CashWaves may contain links to third-party lenders or service providers. If you click a lender link and submit an application, your information will be handled according to that lender's Privacy Policy.
We do not control how third-party lenders collect or use your information.
Important: We encourage users to review each lender's privacy policy before submitting personal details.
Section 05
How We Use Information
Information collected may be used to:
- Respond to inquiries
- Improve website content
- Monitor performance and analytics
- Maintain security
- Prevent fraud or misuse
Privacy Promise: We do not sell personal information to third parties.
Section 06
Data Security
We take reasonable measures to protect information from unauthorized access or misuse.
Disclaimer: No website or online transmission is completely secure. Users submit information at their own discretion.
Section 07
Provincial Consumer Awareness
Short-term lending is regulated at the provincial level in Canada. Users are encouraged to review their province's regulatory guidelines before applying for a loan.
Province
Regulatory Authority
Ontario
FSRA Financial Services Regulatory Authority of Ontario
Alberta
SA Service Alberta
British Columbia
CPBC Consumer Protection BC
Manitoba
CPO Consumer Protection Office
Section 08
External Websites
Our Website may contain links to external sites. We are not responsible for the privacy practices, content accuracy, or data collection methods of third-party websites.
- Privacy practices of external sites
- Content accuracy of third-party pages
- Data collection methods used externally
Section 09
Children's Privacy
CashWaves is not intended for individuals under the age of majority in their province.
Minors: We do not knowingly collect information from minors. If you believe a minor has provided personal information, please contact us immediately.
Section 10
Your Rights & Choices
You have control over your information. Here are your available choices:
Disable Cookies
Manage or disable cookies via your browser settings at any time
Request Deletion
Contact us to request deletion of submitted contact information
Opt Out
Decline to provide personal information when using the Website
For privacy-related requests, please contact us through our Contact Us page.
Section 11
Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised "Last Updated" date.
Acceptance: Continued use of the Website constitutes acceptance of any changes to this Privacy Policy.
Section 12
Contact Information
If you have questions about this Privacy Policy, please contact us via our Contact Us page. We are committed to addressing privacy-related concerns promptly.
Have a Privacy Question?
Our team is ready to help address any concerns about how your information is handled on CashWaves.
Contact Us