Terms of Service

Welcome to Cashero. These Terms of Service (the “Terms“) govern your access to and use of the Cashero website, located at cashero.ca, and any related content, tools, or services we provide (together, the “Website“). By accessing, browsing, or using the Website, you agree to be bound by these Terms in full.

These Terms apply to all visitors, including those simply reading our guides, using the loan calculator, or comparing lenders. If you do not agree with any part of these Terms, please discontinue use of the Website.

For ease of reading, the following defined terms are used throughout these Terms:

• “Cashero”

  Refers to Cashero.ca, including its owners, operators, and team members. Cashero is an independent Canadian comparison and information platform focused on payday loans and short-term loan options.

• “User”

  Refers to any person who accesses, browses, or uses the Website, whether or not they submit a form, click through to a lender, or otherwise interact with our tools.

• “Website”

  Refers to cashero.ca and all related web pages, content, design elements, calculators, forms, and resources made available by Cashero.

• “Lender”

  Refers to any licensed third-party payday loan or short-term loan provider whose products or information may be referenced, compared, or linked from the Website. Cashero is not a Lender.

• “Third-Party Services”

  Refers to any websites, platforms, tools, or services operated by parties other than Cashero — including Lenders — that are linked, referenced, or embedded on the Website.

Cashero operates exclusively as an information and comparison platform. To avoid any confusion, please note the following:

• Cashero is not a lender, broker, or financial advisor. We do not hold a lending, brokerage, or advisory licence in any Canadian province.
• We do not issue loans or make lending decisions. No application submitted through the Website is reviewed, approved, or declined by Cashero.
• We provide informational content and lender comparison tools. This includes guides, FAQs, province-specific summaries, and a loan cost calculator.
• Loan approval, interest rates, fees, repayment schedules, and funding times are determined solely by individual Lenders. These factors may vary based on the Lender, the User’s province, income, credit history, and other circumstances.

Any loan agreement you enter into is a direct contract between you and the Lender of your choice. Cashero is not a party to that agreement.

By using the Website, you represent and warrant that you meet all of the following conditions:

• You are at least 18 years of age (or the age of majority in your province, whichever is higher).
• You are a resident of Canada.
• You will use the Website only for lawful purposes and in accordance with these Terms and all applicable laws.
• Any information you provide on the Website — including through forms, tools, or inquiries — will be accurate, current, and truthful.

If we reasonably believe you do not meet these requirements, we reserve the right to restrict or terminate your access to the Website without notice.

Using Cashero does not guarantee that you will be approved for a payday loan or any short-term loan product. Our role is limited to helping you compare options and understand general information — the actual lending decision rests with the Lender.

Not all Users will qualify for every Lender. Approval, loan amount, and terms typically depend on factors such as:

• Income — including the amount, source, and stability of your income.
• Province of residence — as payday loan rules vary across Canada.
• Credit history — although some Lenders place less weight on this than traditional banks.
• Lender-specific requirements — which may include bank account history, prior borrowing, and internal underwriting criteria.

Cashero also cannot guarantee funding times, loan availability, or that a particular Lender will continue to offer the product shown on the Website at the time you apply. Funding speeds depend on the Lender, your bank, and the time of day you apply.

When using Cashero, you agree to act in good faith and not to:

• Provide false, misleading, or fraudulent information through any form or tool on the Website.
• Misuse, disrupt, or interfere with the Website, its servers, or its security features — including attempting to bypass access controls.
• Copy, scrape, reproduce, republish, distribute, or otherwise use Website content on other websites or in commercial materials without our prior written permission.
• Use the Website to engage in illegal, fraudulent, or harmful activity, including identity theft, money laundering, or harassment of third parties.
• Attempt to use automated tools, bots, or scripts to access the Website in a manner that places an unreasonable load on our systems.

We take responsible use seriously. Violations may result in restricted access, termination of use, and, where appropriate, referral to the relevant authorities.

The Website may contain links to, or reference, Third-Party Services — including Lender websites, external guides, and regulatory pages. These links are provided for your convenience and information only.

Please note:

• Cashero does not own, operate, or control third-party websites or Lenders, and we are not responsible for the content, policies, services, or actions of those third parties.
• A link from Cashero does not constitute an endorsement of the third party or its products.
• Before applying for a loan, Users should carefully review the Lender’s own terms, privacy policy, and loan agreement. The full cost of borrowing, repayment schedule, late-payment fees, and dispute resolution processes are set by the Lender.

If you choose to interact with a third-party website or Lender, you do so at your own discretion and under that party’s terms.

The information published on Cashero is provided for general educational and informational purposes only. While we make reasonable efforts to keep our content accurate and current, we cannot guarantee that all information is complete, up to date, or applicable to your personal situation.

Nothing on the Website is intended to constitute, and should not be relied upon as:

• Legal advice
• Tax advice
• Credit or lending advice
• Personalized financial advice of any kind

If you are unsure about a financial decision, we strongly recommend speaking with a qualified professional — such as a licensed financial advisor, accountant, lawyer, or a non-profit credit counsellor — before acting on any information found on the Website. Making informed, responsible borrowing decisions often depends on advice tailored to your specific circumstances.

Payday loans in Canada are regulated at the provincial level. This means that rules, maximum fees, maximum loan amounts, cooling-off periods, and licensing requirements vary across provinces and territories. What applies in Ontario may not apply in Alberta, British Columbia, Manitoba, Saskatchewan, or the Atlantic provinces. Quebec does not follow the standard payday loan framework — consumer loan interest there is capped at 35% per year.

Cashero makes reasonable efforts to keep provincial information up to date on the Website. However, regulations can change, and Lender-specific practices vary. Users are encouraged to confirm current rules and loan terms directly with the Lender or the applicable provincial regulator before making a borrowing decision.

You can find contact details for provincial consumer protection offices on each province’s government website.

All content on the Website is owned by Cashero or licensed to Cashero, and is protected by Canadian and international copyright, trademark, and other intellectual property laws. This includes, without limitation:

• Text, articles, guides, FAQs, and other written content
• Graphics, illustrations, icons, and images
• Branding, trademarks, and service marks, including the “Cashero” name and logo
• Website design, layout, structure, and code

You may view Website content for your personal, non-commercial use. Any other use — including copying, reproducing, distributing, republishing, scraping, modifying, or creating derivative works — requires our prior written permission. Unauthorized use of Cashero content may result in legal action.

To the maximum extent permitted by applicable Canadian law, Cashero and its owners, directors, employees, and contractors are not responsible or liable for:

• Loan decisions, approvals, declines, or terms set by any Lender.
• Errors, omissions, delays, or failures by third-party Lenders, payment processors, banks, or other Third-Party Services.
• Losses, damages, costs, or consequences of any kind — whether direct, indirect, incidental, consequential, or otherwise — resulting from your use of the Website or reliance on any information it contains.
• Unavailability, interruption, or errors on the Website, including issues resulting from maintenance, server outages, or events outside our reasonable control.
• Actions taken by you on the basis of Website content without first seeking appropriate professional advice.

The Website is provided on an “as is” and “as available” basis, without warranties of any kind, express or implied. Nothing in these Terms limits any rights you may have under Canadian consumer protection legislation that cannot be legally excluded or limited.

Your privacy is important to us. The collection, use, and storage of any personal information you provide through the Website is governed by our Privacy Policy, which forms part of these Terms by reference.

Please review the Privacy Policy carefully to understand what information we collect, how it is used, when it may be shared with Lenders (only with your consent), and the choices available to you. If you do not agree with the Privacy Policy, please do not use the Website.

Cashero may update these Terms of Service from time to time to reflect changes in our services, industry practices, or applicable laws. When we make material changes, we will update the “Last updated” date at the top of this page, and, where appropriate, provide a visible notice on the Website.

Your continued use of the Website after an update means that you accept the revised Terms. If you do not agree with the updated Terms, please discontinue your use of the Website. We encourage you to review this page periodically to stay informed.

If you have any questions about these Terms of Service, or would like to report an issue with the Website, please get in touch. We’re happy to help clarify anything that isn’t clear.