Loans in Canada

www.fatcatloans.ca’s Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

Introduction

You are submitting a request to be connected with one of our third party lenders. To offer you a loan, one or more of the third party lenders in our network of lenders need your consent to use and accept electronic signatures, records, legal disclosures, and other communications (“E-Consent”). www.fatcatloans.ca makes no representations as to what, if any, communications you may receive from your lender.

This is intended to put you on notice of your rights when receiving disclosures, notices, and information. By clicking “I Consent,” or other links assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contractual documents (“Disclosures”).

OPTION FOR PAPER RECORDS/DISCLOSURES

If you would like to receive a paper copy of any Disclosures, please contact your third party lender directly. These Disclosures may be available to you by the third party lender. Please note, some lenders may charge a fee for sending you paper copies of Disclosures. The Lender will retain all Disclosures as the applicable law requires.

Scope of Consent

This E-Consent applies to all interactions online between and concerning you and the third party lender and includes interactions engaged in on any mobile device, including smart-phones, phones, and tablets. The third party lender, through this E-Consent, may process your information and interact during all online interactions with you electronically. You may also receive notices sent electronically from the lender related to your interactions and transactions with the third party lender. Disclosures may be provided online at the third party lender’s website(s).

Consenting to do Business Electronically and System Requirements

Prior to deciding whether or not to conduct business electronically with a third party lender, please first consider whether you have the hardware and software capabilities required to do so. To access, obtain, and retain Disclosures electronically, the following computer software and hardware are required: 1) A PC or MAC compatible computer or other device capable of accessing the Internet; 2) access to a working email account; and 3) an Internet Browser software program that can support at least 128 bit encryption (i.e. Firefox, Internet Explorer, Netscape, etc.); 4) you may need Adobe Acrobat Reader X® or Foxit® to read some PDF documents; and 5) a printer or long-term storage device (i.e. computer disk drive). Please direct any questions you may have regarding these hardware and software requirements directly to the third party lender.

Modification of Consent Terms

www.fatcatloans.ca reserves the right to modify these terms and conditions at our discretion, without notice.

Withdrawing Your Consent

Your E-Consent for our lender-connecting service and for our third party lenders’ consideration of your connecting request cannot be withdrawn as it is a one-time transaction. Its legal effectiveness, validity, and enforceability will not be affected if you choose to withdraw this E-Consent. Upon being connected with one or more third party lenders, you may withdraw your E-Consent with any of those third party lenders at any time, and at no charge to you. Please note, if you withdraw your E-Consent prior to receiving a loan, you may be prevented from obtaining a loan from the lender.

Change of Contact Information

Please keep the third party lender up-to-date of any change(s) to your electronic address or mailing address. To update your information, you may log into the third party lender’s website or send the third party lender your updated information via mail.

Your Ability to Access Disclosures

BY CLICKING THE LINK OR “I CONSENT,” YOU ASSENT TO THE TERMS OF THIS DISCLOSURE. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE FORMATS DESIGNATED ABOVE.

Consent

BY CLICKING THE LINK OR “I CONSENT,” YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU ELECTRONICALLY, AND TO DOING BUSINESS WITH THE THIRD PARTY LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, TO BE PROVIDED TO YOU UPON REQUEST AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED IN ORDER TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET. IF YOU DO NOT PROCEED, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.

Privacy Policy

This Privacy Policy was updated: June 4, 2021.

Privacy Policy

This Privacy Policy (also referred to as “Policy”) applies to www.fatcatloans.ca (also referred to as “Company” or “Site”). It notifies you (also “You” and/ or “Your”) about our services, how we collect, use, and share Your information. Your use of this Site and sharing Your personal information constitutes an agreement with these policies. Please read this Policy in full before using this Site. Use of this site constitutes the acknowledgement that You have read, understood, and agreed to this Policy. If you are not in agreement with this Site’s Policy and this Company’s terms and conditions, do not use this Site. Changes may be made to this Policy at any time.

Personal Information

By using this Site and its services, you are allowing the Site to collect “personally identifiable information” and “non-personally identifiable information” from You. These types of information are described below:

Personally Identifiable Information

Use of this Site requires You to provide certain “Personally Identifiable Information.” Your unique data allows for communication and identification. This information may include, but is not limited to your name, date of birth, telephone number, physical address, social security number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and your banking information.

Non-Personally Identifiable Information

Use of this Site provides us with anonymous “Non-Personally Identifiable Information” which may include, but is not limited to, Internet Protocol address, Internet Service Provider, operating system type, and browser type. This information may be obtained directly through the use of “cookies” – data sent to Your computer when visiting a website. The disabling of cookies may prevent access to certain areas of this Site. This Company has no control over cookie technology. This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to your Personally Identifiable Information.

How Information is Shared with Third Parties

Use of this Site authorizes this Company to share the information that you provide with third parties and affiliates. Sharing of Your information with this Company gives us permission to share this information with our network of third party lenders. Third party lenders may use your information in one of several ways. It may be used to offer you a loan, offer other business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. These parties each have their own policies for collecting, using, and sharing your information. Once your information is shared, this Site is no longer responsible for their handling of your information.

The Company reserves the right to share the information that you provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that you violate our Policies and/ or Terms & Conditions, or when and where this Company deems it to be necessary to protect this Company’s rights and its assets.

In addition, this Site may allow advertisements from third party lenders and other advertising partners. These companies may employ their own technologies (including “cookies”) to track and collect information regarding their advertisements. This Site does NOT provide personally identifiable information to these third party advertising partners.

How Information is Used

The information that You provide allows us to pair you with a participating third party lender in our network of lenders with whom we have a business relationship. This information also allows us to review or verify your request form, provide accurate customer service, communicate with you by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of our Policy and Terms & Conditions, or to do any other service described to you on this Site. Your Social Security number and bank information may also be used to verify Your identity in order to protect against fraud.

How Information is Secured

This Site uses a number of security measures to protect Your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses SSL (Secure Socket Layer) encryption, stores personal information on secure servers, and utilizes password protection.

Although we take precautions to protect Your information, the storage or transmission of data cannot be guaranteed. As such, this Site cannot guarantee your data, either in storage or in transmission. Accessing this Site is done at Your own risk.

If a security breach does occur which affects Your Personally Identifiable Information, you will be notified along with any responsible agencies as dictated by law. Notification may take place in the form of an email. This notification could be delayed by law enforcement in order to conduct an investigation and enact further security measures.

Links to Third Party Sites

This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, you are responsible for the information you provide as well as the content that you access. These sites may use your personal information differently than our use of the information that You submit to this Site. Please read each site’s Policies and Terms & Conditions.

Push Notifications

If you provide your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.

Opt-In/Opt-Out of Communication

By submitting your information on this Site, you are opting-in to receiving communication contact from the Site and/or a trusted lender within our network of lenders. You may choose to “Opt Out” of sharing your personally identifiable information for certain purposes when it is requested on this Site. When completing the registration process, indicate your preference on this Site or by following a link provided in our email communications. This Site, our affiliate(s) and/or third parties may also promote product and service offerings to you via e-mail, SMS (text) message, by telephone, auto-dialer or pre-recorded messages to consumers who requested to be contacted either through our Site or through an Opt-In process on a third-party affiliate’s sites.

You may remove your information from our database at any time. If you do not wish to receive future communications or if you no longer wish to receive our service, click here.

Please be aware that your participation in certain activities provided by our Site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our company’s Do-Not-Contact registry within ten (10) days after receipt. Unless you “unsubscribe” or opt-out, this Site assumes you consent to receiving communications from it and its third-party vendors and affiliates. It is possible that a third-party vendor or affiliate may have purchased your contact information and thus you may continue to receive contacts from those third-parties. www.fatcatloans.ca is not responsible for stopping all unwanted contact from sources beyond our immediate control.

You understand that your consent to receive communications is not required as a condition of using www.fatcatloans.ca's services. This Site abides by CAN-SPAM and TCPA regarding communications.

Minors

www.fatcatloans.ca does not knowingly collect information from minors under the age of 18, and does not knowingly use such information for any purpose, including marketing purposes. If you are a parent/guardian who knows of a minor who has provided our Site with personally identifying information, please contact us, so that we can delete such information from our database.

TERMS AND CONDITIONS

Terms & Conditions

Use of this Site constitutes acknowledgement that You have read, understand, and are in agreement with this Company’s Terms & Conditions. These Terms & Conditions apply to www.fatcatloans.ca (also referred to as ‘Company’ or ‘Site’). It notifies you (also ‘You’ and/ or ‘Your’) about the terms and conditions of our services. Please read these Terms & Conditions in full before using this Site. If you do not agree with this Company’s Terms & Conditions, do not continue to use this Site or seek its services.

Services

www.fatcatloans.ca is NOT a lender and does not broker loans. This Company seeks to pair You with prospective lenders and does not guarantee that You will be offered a Cash Advance. We also do not guarantee the amount of your Cash Advance. The information from your request form may be shared with more than one lender.

Your use of this Company’s services includes providing relevant and necessary information which may include, but is not limited to your name, date of birth, telephone number, physical address, Social Security number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and information about your banking account. This information will be used to pair you with Cash Advances and loan products. Submitting your information to this Site also means You are allowing this Company and third party lenders to contact You about loans and related products and services.

Once your information is submitted, it will be reviewed by third party lenders who will then determine if You meet their requirements for a loan. These lenders may seek to verify your identity and may perform a credit check through a credit bureau. Submission of your information constitutes an agreement for your information to be used in these ways. If You are found to be eligible for a Cash Advance, You will be redirected to a new page with the lender’s information or redirected to the third party site.

This Company cannot guarantee that the loan offers that You will receive are the best available. Also, this Company cannot guarantee the product, price, rates, fees, availability or any other terms of a third party’s loan products and services. This Company is not involved with an agreement you may enter into with a third party lender. Your interactions with your lender are governed by their Privacy Policy, terms, conditions, and other policies. Questions, issues, and problems regarding your loan agreement should be directed to your lender, and not to this Company.

Telephone Consumer Protection Act Compliance

By submitting your information to this Site, you are providing your express written consent under the Telephone Consumer Protection Act to receive telemarketing calls, text messages, SMS messages, or other communications as governed by TCPA, whether from this Site or from any of the third party companies that this Site does business with.

Authorized Use

The Company authorizes You to use this Site only for personal and non-commercial use as permitted by law. The Company strictly prohibits all other uses, including but not limited to the duplication, copy, reproduction, sale, resale, use, access, or additional exploitation of any material from this Site for any commercial reasons and purposes.

Intellectual Property Rights

The content of this Site is protected by applicable copyright laws in the United States and other countries. As such, use of this Site and this Company’s services confers no intellectual property rights on You. Content of this Site may not be used without the written permission of the Company who retains the copyright to this Site. All logos, trademarks, and service marks (referred to collectively as ‘Trademarks’) that are displayed on this Site are Trademarks of this Company, both registered and unregistered. Use of Trademarks in a manner which does not conform to these guidelines without the written permission of the Company is not allowed.

Disclaimer of Warranties

ALL INFORMATION, CONTENT, PRODUCTS, AND SERVICES FOUND ON THIS SITE ARE OFFERED ‘AS IS’ AND YOU ACCESS THEM AT YOUR OWN RISK. THIS COMPANY DISCLAIMS ANY WARRANTY, EITHER IMPLIED OR DIRECTLY STATED REGARDING THIS SITE INCLUDING, BUT NOT LIMITED TO INFORMATION, CONTENT, PRODUCTS, AND SERVICES. THIS COMPANY PROVIDES NO WARRANTY CONCERNING THE RESULTS AND EFFECTIVENESS OF THIS SITE OR ITS INFORMATION, CONTENT, PRODUCTS, AND SERVICES. USE OF THIS SITE IS AT YOUR OWN RISK. THIS COMPANY DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT ALL SERVICES WILL MEET YOUR REQUIREMENTS. THIS COMPANY MAKES NO GUARANTEES THAT SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF SERVICES OR RELATED SOFTWARE OR THAT ERRORS WILL BE CORRECTED. THIS COMPANY ALSO DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT THIRD PARTY SERVICES WILL MEET YOUR REQUIREMENTS. THIS COMPANY MAKES NO GUARANTEES THAT THIRD PARTY SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF THIRD PARTY SERVICES OR RELATED SOFTWARE OR THAT ERRORS WILL BE CORRECTED.

Limitation of Liabilities

THIS COMPANY SHALL NOT BE HELD LIABLE OR RESPONSIBLE FOR DIRECT, INDIRECT, EXEMPLARY, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGE RESULTING FROM YOUR USE AND/ OR ACCESS TO THIS COMPANY’S SITE OR SERVICES. THE FULL AND TOTAL LIABILITY, AS PERMITTED BY LAW, OF THIS COMPANY FOR CLAIMS RESULTING FROM YOUR USE AND/ OR ACCESS TO THIS COMPANY’S SITE OR SERVICES – WHETHER IN WARRANTY, CONTRACT, STRICT LIABILITY, TORT, OR OTHERWISE – IS LIMITED TO THE AMOUNT PAID BY YOU (IF ANY) TO USE AND/ OR ACCESS TO THIS SITE.

Third Party Links

Following third party links found on this Site is done at Your own risk. Inclusion of third party links on this Site does not constitute this Company’s recommendation for or endorsement of their products and services. These links are intended for convenience and reference, and this Company is not responsible for content, information, software, or any other materials made available on third party sites.

Third Party Dealings

Dealings with third parties which result from use of this Site is done at Your own risk. Any transactions conducted between You and any third parties are not the responsibility of the Company. These transactions may include, but are not limited to, products, services, payment, conditions, warranties, or any terms and conditions. This Company cannot be held responsible for your dealings with these third parties.

Disputes and Resolution

Any dispute originating from or related to Your use and/ or access to this Site and its services in which you deem this Company to have liability is governed by the state of California. Disputes will be settled exclusively and finally by arbitration according to the effective commercial arbitration rules of the American Arbitration Association at the time of the dispute in Los Angeles. The arbitrator shall have the power and authority to award damages connected with a Dispute which may not exceed actual compensatory damages and shall not multiply actual damages or award consequential, exemplary, or punitive damages. In addition, each party irrevocably waives any claim thereto. Any award shall be conclusive and final. An arbitration agreement should not be understood as an agreement to the consolidation or joinder of an arbitration under this agreement with an arbitration of claims or disputes of any non-party, regardless of the nature of the disputes.

The Terms provided herein state that all disputes between You and this Company will be resolved through arbitration. As a result, You forego your right to assert or defend your rights or go to court. You also forego the right to be part of or originate a class action suit. Your applicable rights will be decided by neutral arbitrators, not by a court of law, judge, or jury. By using this Company’s Site and services, you agree to these restrictions and conditions. If the arbitration provisions contained herein become unenforceable or inapplicable, or in the event of any lawsuit between You and this Company or its Site, You agree fully that jurisdiction of this and any suit shall rest exclusively in the federal and state courts in California. You also fully agree that any actions or claim related to use of this Site or this Company’s services must be filed within one (1) year after the said action, cause, or claim, or be forever barred.

Indemnification

Use of this site constitutes an agreement to hold this Company blameless against any and all liability, expenses, loss, damages, actions, suits, claims, and proceedings, including, without limitation, reasonable attorneys’ fees and relevant costs, stemming from or related to any cause of action, allegation, claim or involving, without limitation, Your unauthorized or unlawful use of this Site and/or this Company’s services.

Entire Agreement

The entire agreement between this Company and You are contained in these Terms & Conditions.

Modification

This Company retains the right to modify our Terms & Conditions or to add additional terms and conditions at any time. Notification of modifications and/or additions will be clearly posted on this Site where the Company deems it to be appropriate. All modifications and additions are effective immediately. If You disagree with any modified or additional terms and conditions, You are not obligated to use this Site or its services.

Non-Waiver; Severability

Any failure on behalf of the Company to enforce these Terms & Conditions does not constitute the Company’s right to continue to enforce these Terms & Conditions. In the event that any of the Terms & Conditions are deemed to be illegal, invalid, or unenforceable, such terms and conditions will be nullified. Remaining terms and conditions will remain in full effect.