Privacy Policy

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 below.

1. Who We Are

CashWaves is an informational website that provides educational content about:

• Online payday loans in Canada
• Installment loans
• E-Transfer lending options
• Provincial lending regulations

CashWaves is not a lender and does not issue loans or make credit decisions.

For more information, please review our About Us.

2. 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

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.

3. 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.

You can disable cookies in your browser settings, but some features of the Website may not function properly.

4. 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.

We encourage users to review each lender’s privacy policy before submitting personal details.

5. 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

We do not sell personal information to third parties.

6. Data Security

We take reasonable measures to protect information from unauthorized access or misuse.

However, no website or online transmission is completely secure. Users submit information at their own discretion.

7. Provincial Consumer Awareness

Short-term lending is regulated at the provincial level in Canada.

For example:

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

Users are encouraged to review their province’s regulatory guidelines before applying for a loan.

8. External Websites

Our Website may contain links to external sites.

We are not responsible for:

• Privacy practices
• Content accuracy
• Data collection methods

of third-party websites.

9. Children’s Privacy

CashWaves is not intended for individuals under the age of majority in their province.

We do not knowingly collect information from minors.

10. Your Rights & Choices

You may:

• Disable cookies in your browser
• Contact us to request deletion of submitted contact information
• Decline to provide personal information

For privacy-related requests, please contact us through our Contact Us.

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.

Continued use of the Website constitutes acceptance of any changes.

12. Contact Information

If you have questions about this Privacy Policy, please contact us via our Contact Us.

Last Updated: March 2, 2026