Terms & Conditions

Aaru.ca provides general educational information and comparison guidance for Canadians researching payday loans, e-transfer loans, and related credit options. We are not a lender, broker, bank, credit counsellor, legal advisor, or financial advisor. Nothing on this site constitutes financial, legal, credit, or debt advice.

We do not approve loans, set interest rates, or guarantee loan amounts, funding speed, fees, rates, or lender availability. Any decision to lend and the terms of any loan are made solely by the lender. Approval is never guaranteed, even for searches described as "no refusal."

You must be of the age of majority in your province or territory and a Canadian resident to use this site for loan-related purposes. By using the site, you represent that you meet these requirements and that the information you provide is accurate and complete.

The site may refer you to, or display links from, third-party lenders and partners. We do not control and are not responsible for the products, terms, content, privacy practices, or conduct of any third party. Any transaction you enter into with a lender is solely between you and that lender, and is governed by their terms and applicable law.

Payday loans are high-cost, short-term credit and may not be suitable for ongoing expenses or long-term financial problems. Before accepting any loan, review your provincial rules, the lender's licence status, the full loan agreement, total repayment amount, due date, and any charges. If you are struggling with debt, consider contacting a licensed insolvency trustee or a non-profit credit counselling agency.

You agree not to:

• Use the site for any unlawful or fraudulent purpose;
• Submit false, misleading, or another person's information;
• Attempt to gain unauthorized access to the site, its systems, or its data;
• Interfere with or disrupt the site, including by introducing malware or excessive automated requests;
• Copy, scrape, or republish site content without permission.

All content on the site, including text, graphics, logos, and design, is owned by or licensed to Aaru.ca and is protected by applicable intellectual property laws. You may not reproduce or distribute site content without our prior written consent.

The site and its content are provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the information is complete, accurate, current, or that the site will be uninterrupted or error-free.

To the fullest extent permitted by law, Aaru.ca and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising from your use of the site, reliance on its content, or any dealings with third-party lenders.

You agree to indemnify and hold harmless Aaru.ca and its operators from any claims, damages, liabilities, and expenses arising out of your use of the site or violation of these Terms.

These Terms are governed by the laws of Canada and the province in which the operator is located, without regard to conflict-of-law principles.

We may update these Terms from time to time. Changes take effect when posted on this page, and the "Last updated" date will be revised accordingly. Your continued use of the site after changes are posted constitutes acceptance of the revised Terms.

If you have questions about these Terms, contact us at [email protected].