1. Acceptance of terms
These Terms of Service ("Terms") govern your access to and use of the Credit Bridge Lending Group ("Credit Bridge", "we", "us" or "our") website and online services. By using our website or submitting an application, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use our website.
2. Eligibility
To apply for a loan, you must be a resident of Canada, have reached the age of majority in your province or territory, and be legally able to enter into a binding contract. Business loans are available only to businesses registered in Canada, applied for by an authorized representative.
3. Our services
We offer personal loans, debt consolidation loans, home equity loans, auto financing, business loans and emergency loans ranging from $1,000 to $300,000. Availability of specific products, amounts, rates and terms may vary by province and by applicant.
4. No offer or guarantee of credit
Information on this website, including rates, loan amounts and payment calculators, is provided for general information and illustration only. It is not an offer of credit. All loans are subject to application, credit approval, verification and our lending criteria. We may decline any application at our discretion.
5. Accuracy of your information
You agree to provide information that is true, complete and current. Providing false or misleading information may result in your application being declined, your loan being cancelled, or other action permitted by law.
6. Loan agreements
If you are approved, your loan will be governed by a separate written loan agreement that sets out your rate, cost of borrowing, payment schedule, fees and other terms, along with any disclosures required by law. If there is any conflict between these Terms and your loan agreement, the loan agreement governs.
7. Electronic communications and signatures
You consent to receive disclosures, agreements and other communications from us electronically, and agree that electronic signatures have the same effect as handwritten signatures. You may request paper copies of documents by contacting us.
8. Acceptable use
You agree not to:
- Use the website for any unlawful or fraudulent purpose;
- Submit an application on behalf of another person without authorization;
- Attempt to gain unauthorized access to our systems or interfere with the website's operation;
- Copy, scrape or reproduce website content without our written permission.
9. Intellectual property
All content on this website, including text, graphics, logos and design, is owned by or licensed to Credit Bridge Lending Group and is protected by Canadian and international intellectual property laws.
10. Third-party links
Our website may contain links to third-party websites. We are not responsible for the content, policies or practices of those websites.
11. Disclaimers
The website is provided on an "as is" and "as available" basis. To the extent permitted by law, we make no warranties of any kind regarding the website, including that it will be uninterrupted, error-free or free of harmful components.
12. Limitation of liability
To the fullest extent permitted by law, Credit Bridge will not be liable for any indirect, incidental, special or consequential damages arising from your use of the website. Nothing in these Terms limits any rights you have under applicable consumer protection legislation.
13. Governing law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, except where the consumer protection laws of your province or territory of residence provide otherwise.
14. Changes to these Terms
We may update these Terms from time to time. Continued use of the website after changes are posted means you accept the updated Terms.
15. Contact us
Questions about these Terms can be sent to info@creditbridgelending.com or through our contact form.