Terms Of Use

Terms of Use and Conditions

Welcome to Cash Bull Capital Inc. (“we,” “us,” or “our”), a leading provider of payday loan services in Canada. By accessing, browsing, or using our website, located at www.cashbull.ca (the “Site”), you (the “User,” “you,” or “your”) agree to be bound by these Terms of Use and Conditions (the “Agreement”). If you do not agree to these terms, please do not use the Site or our services. This Agreement governs your access to and use of the Site, including any content, features, services, and information provided by Cash Bull Capital Inc.

Acceptance of Terms
By using the Site or our services, you acknowledge and agree to abide by the terms set forth in this Agreement, as well as any additional policies, terms, and conditions referenced herein or elsewhere on the Site. We may update or modify these Terms of Use from time to time, and such updates will be effective immediately upon posting on this page. You are responsible for reviewing these Terms regularly to stay informed of any changes. Your continued use of the Site after any modifications indicates your acceptance of the updated Terms.

Changes to Terms

Cash Bull Capital Inc reserves the right to modify, update, or change the Website, including its design, functionality, content, and any products or services featured, at any time and without prior notice. Any changes will be effective immediately upon posting on the Website. It is your responsibility to review the Terms of Use each time you access the Website, as continued use of the Website signifies your acceptance of any updates or modifications. By using the Website, you agree to be bound by the most current version of these Terms, including any future changes.

Eligibility and Account Creation
To apply for a payday loan with Cash Bull Capital Inc., you must meet the following basic eligibility requirements:

• You represent that you are a legal resident of Canada.
• You must be at least 18 or 19 years old respectively.
• You must possess a valid and active bank account in your name and is not a shared account
• You must provide accurate and truthful personal, financial, and employment information

By creating an account on the Site, you agree to provide true, accurate, and complete information. You are responsible for maintaining the confidentiality of your account details and for any activity conducted through your account. If you suspect any unauthorized use of your account, you must notify us immediately at customersupport@cashbull.ca

Loan Application Process
When you submit a loan application, you are required to provide certain personal, financial, and employment details. You acknowledge that by submitting this application, you authorize us to verify the information you have provided through third-party services, such as credit checks, background checks, and income verification.

Our loan application process includes the following steps:

• Eligibility Verification: We will assess your eligibility based on the provided information.
• Instant Bank Verification (IBV): To ensure the legitimacy of your application, we may require you to undergo Instant Bank Verification (IBV), which allows us to confirm your bank account details securely. We do not access or store your login credentials—only necessary information to validate your application is reviewed.
• Loan Terms and Agreement: If you are eligible, you will be presented with loan terms, including the loan amount, interest rate, repayment schedule, and any applicable fees. You must read and electronically sign the loan agreement before your loan can be disbursed.

Loan Terms and Conditions
Once you sign the loan agreement, you agree to the following loan terms:

• Loan Amount: The total sum of money borrowed, as specified in the Loan Agreement.
• Interest Rates: The applicable interest rate on your loan, as stated in the Loan Agreement.
• Repayment Schedule: The specific dates and amounts you must pay for loan repayment.
• Fees: Any fees associated with your loan, including but not limited to late payment fees, administration fees, or loan extension fees, will be clearly outlined in the Loan Agreement.
• Penalties for Non-Payment: Failure to repay the loan by the due date may result in additional penalties, collection actions, or impact to your credit report.

By signing the loan agreement, you confirm your understanding and acceptance of these terms and acknowledge your legal obligation to repay the loan as outlined.

Payment Methods
You agree to make loan payments using the payment methods provided by us. These may include:

• Direct Bank Transfer: Funds will be transferred to your bank account, and you must ensure sufficient funds are available for repayment on the due date.
• Electronic Funds Transfer (E-Transfer): Payments may be made via electronic funds transfer from your linked bank account.
• Other Payment Methods: We may offer additional payment methods at our discretion.

Privacy and Data Security
We take your privacy seriously and are committed to safeguarding your personal information. By using our services, you consent to the collection, use, and processing of your personal data in accordance with our Privacy Policy. This includes:

• Information used to verify your identity and assess your loan eligibility.
• Financial information required to process your loan application.
• Transactional data and payment details.

We implement industry-standard security protocols, such as data encryption, Secure Socket Layer (SSL) technology, and compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), to protect your information.

Restrictions on Use
You agree not to use the Site or services for any unlawful, fraudulent, or harmful purposes. Specifically, you may not:

• Provide false, inaccurate, or misleading information in your loan application.
• Attempt to access parts of the Site that you are not authorized to use.
• Engage in any activities that may damage, disable, or impair the functionality of the Site.
• Use the Site in any manner that violates any applicable laws or regulations in Canada.

Intellectual Property
All content, design, logos, trademarks, images, and materials available on the Site are the property of Cash Bull Capital Inc. or its licensors and are protected by Canadian and international intellectual property laws. You may not reproduce, distribute, display, or modify any content from the Site without prior written consent from Cash Bull Capital Inc

Limitation of Liability
To the fullest extent permitted by law, Cash Bull Capital Inc. and its affiliates will not be liable for any indirect, incidental, consequential, or punitive damages resulting from your use of the Site or services, including but not limited to:

• Lost profits.
• Loss of data.
• Damage to your reputation.
• Financial loss or any harm resulting from your loan agreement.

Our liability, in any case, shall be limited to the total amount you paid for the specific payday loan that gave rise to the claim.

Dispute Resolution and Governing Law
If any dispute arises between you and Cash Bull Capital Inc. these Terms of Use or your loan application, we encourage you to first contact us directly for resolution. If the dispute cannot be resolved informally, you agree that it will be resolved through binding arbitration under the laws of the Province of Alberta, Canada. Arbitration will take place in Canada and will be conducted in the English language. The laws of the Province of Alberta, without regard to its conflict of laws principles, will govern these Terms.

Indemnity

You agree to indemnify, defend, and hold harmless Cash Bull Capital Inc., including its officers, directors, employees, agents, licensors, and suppliers, from and against any claims, actions, demands, liabilities, or settlements, including but not limited to reasonable legal and accounting fees, arising out of or in connection with your breach of these Terms of Use.

Jurisdiction

The Website is intended solely for individuals and entities located in Canada. It is not directed at any person or entity in jurisdictions where the publication or availability of the Website, its content, products, or services would be prohibited or contrary to local laws or regulations. If you are located in such a jurisdiction, you are not authorized to access or use any information on this Website. Cash Bull Capital Inc. makes no representations regarding the appropriateness of the Content or the availability of its products and services outside of Canada. Those who access the Website from other locations do so at their own risk and are responsible for ensuring compliance with applicable local laws.

Modifications to Terms of Use
We reserve the right to modify or update these Terms of Use at any time. Any changes will be effective immediately upon posting the updated terms on the Site. It is your responsibility to review these Terms periodically. Continued use of the Site constitutes acceptance of any changes.

Termination of Account
We reserve the right to suspend or terminate your account at any time, without notice, for reasons including, but not limited to:

• Violation of these Terms of Use.
• Failure to repay your loan in accordance with the Loan Agreement.
• Engaging in fraudulent or unlawful activities.

Upon termination, you remain responsible for any outstanding amounts due under your loan agreement.

Emails

By applying for a payday loan or using our services, you agree to receive emails from us regarding loan updates, payment reminders, and promotions. You can unsubscribe from marketing emails at any time. We do not send unsolicited emails, and your email address must be accurate to receive important communications. For security, avoid sending sensitive information via email. We may use third-party providers to send emails on our behalf, but they are required to keep your information confidential. Any breach of privacy, including the transmission of unauthorized promotional emails or advertising through our company, is strictly prohibited and will be addressed accordingly. You are responsible for updating your email address if it changes, and we may store email communications for necessary legal purposes. Correspondence is private between you and us and is intended for internal use only. For any questions or to update your preferences, contact us directly.

No Warranties

This website, www.cashbull.ca, and its content are provided on an “as is” and “as available” basis without any warranties or conditions of any kind, whether express, statutory, or implied. This includes, but is not limited to, any implied warranties or conditions of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted access, all of which are expressly disclaimed by Cash Bull Capital Inc.

Cash Bull Capital Inc. does not warrant or guarantee the accuracy, completeness, timeliness, or reliability of any content on this website. The company is not responsible for any errors, omissions, or delays in updating the website or its content and has no obligation to do so.

Cash Bull Capital Inc. does not guarantee that access to the website or use of its content will be uninterrupted, error-free, or free from harmful components such as viruses or malware. Users assume full responsibility for any risks associated with accessing the website and must take appropriate precautions to protect their devices and data.

This disclaimer may be subject to modifications in relation to specific products or services offered by Cash Bull Capital Inc., in accordance with applicable Canadian laws and regulations.

No Unlawful or Prohibited Use

By using the Website, you agree not to engage in any activities that are unlawful or prohibited by these terms, conditions, or notices. You must not use the Website in a way that could damage, disable, overload, or impair the functionality of the Site or interfere with other users’ ability to access and enjoy the Website. Additionally, you are prohibited from attempting to access materials or information through unauthorized means not intentionally provided by the Site.

No Professional Advice

The content provided on this Website is intended for general informational purposes only and is not specific to your individual situation. It should not be considered as legal, accounting, or any other type of professional advice. This Website is not intended for use by minors. You should carefully assess all information, opinions, and advice provided on the Website in consultation with your relevant professional advisors, such as insurance specialists, legal, tax, financial, or other qualified experts, as needed.

Contact Information
For any questions, concerns, or issues regarding these Terms of Use or your loan application, please contact us at:
customersupport@cashbull.ca