Terms of Use


urLoan™ is a registered trademark of Creditloans Canada Financing Inc., managed and operated by Climb Credit. The Urloan website, specifically www.urLoan.com is offered to the User (Term “User” means anyone visiting urLoan.com) solely for information purposes and does not directly offer any lending. By viewing and accessing urLoan.com the User accepts, without modification, the terms, conditions, and notices contained herein. If you do not agree with any of the terms and conditions of use, please do not use this site.

By using the urLoan website, and where you have provided consent, you authorize urLoan to access third party sites, on your behalf, to retrieve information requested by you related to loan products that may be best suited for you. As a User of this service, you understand and agree that urLoan does not endorse any third-party provider services.


Participating lenders may verify your social insurance number (if provided), driver’s license number, provincial id, or any other government identifications and review your information against federal databases to include but not limited to TransUnion and to determine credit worthiness, credit standing and/or credit capacity. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit. All finance is subject to employment status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. We can introduce you to a number of finance providers based on your credit rating.


CREDIT SCORE IMPACT
urLoan™ encourages responsible lending and responsible borrowing. While having a loan and repaying it on time can generally help maintain or build your credit, too much debt can certainly be risky for you and impact your ability to repay creditors on time. Failing to repay your obligations because your debt load has become unmanageable will result in a negative report to the credit bureaus, which would reduce your credit score.

Applying for a loan via the urLoan application is a “hard pull” and will be reflected on your credit bureau. This is to ensure our lenders can provide you with the most competitive rates and terms.


UNLAWFUL OR PROHIBITED USE
As a condition of use of the urLoan website, the User agrees not to use this website for any purpose that is unlawful or prohibited by these terms, conditions and notices. The User may not use the urLoan website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party's use and enjoyment of it. The User may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the urLoan website. You agree that your use of this website shall not violate any applicable local, national or international law including but not limited to any regulations having the force of law, such as professional regulations or any national or local restrictions on the use of the internet by other countries.


All loan applicants are required to reside in Canada, but not in the province of Quebec, and above the age of majority in their province or territory of residence.


DISPUTES
Any dispute arising out of or in connection with the terms and use of urLoan website or the information or services provided through it, shall be submitted in writing to urLoan at [email protected]

MODIFICATION OF TERMS OF USE, CONDITIONS, NOTICES, PRIVACY POLICY urLoan reserves the right to modify, alter or update the terms, conditions, notices, and privacy policy under which the urLoan website is offered, including any associated costs, without notice and liability. Any such changes will be posted on the website and you agree to be bound by such modifications, alterations and/or updates as of the date same is posted. If the User does not agree with these modifications, alterations and/or updates, it is the User’s sole responsibility to terminate your use of this website or any of its services. The User’s continued use of the website or any of its services following the posting of any changes shall constitute your acceptance of the modifications, alterations and/or updates made.

EMAIL
urLoan will undertake to not use any email provided by a User for any purpose not agreed upon by the User. Notwithstanding, as a User you shall hold harmless urLoan from any action or claim direct or indirect arising from providing your email to urLoan.

When you send us e-mails with comments, questions, and/or suggestions, you are communicating with us electronically and you consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this website, as deemed appropriate in the sole discretion of urLoan. UrLoan cannot guarantee the confidentiality of any communications made by you via e-mail.