Terms and Conditions

Welcome to Payday Tree! This site is owned and operated by us and we are not a direct lender. We are based in Canada and help you find best financial option for your needs from reputed lenders. In these terms and conditions anything referred as “we” and “our” shall mean Payday Tree and anything referred as “you” shall mean the user of the website.

Acceptance of Terms

By using the site services, you need to accept our terms and conditions. If you do not accept these terms of use, you are not permitted to use the website and kindly requested to not use the site any further. The registration as a user or use of any available features on the website will be marked as acceptance of these terms of use. Please review these terms of use before using our site, as these terms may have changed since you visit last. By using our site services, you represent to us that you are at least 18 years of age or more and hereby indicate your unconditional acceptance of these terms.

Privacy practices

We understand the importance of protecting your personal information and thus we have formulated a Privacy Policy to ensure that your personal information is confidential and safeguarded. Apart from these Terms of Use, the Privacy Policy shall also govern your visit and use of the Site. Your continued use of the site indicates that you have read and accepted the Privacy Policy and agree to be bound by its terms and conditions.

Our services

At Payday Tree, we do not make any credit decisions. We work as an intermediary that bridges the gap between the loan seeker and the lender. We offer best loan comparison services for free. We are connected with a number of top-notch loan providers and lenders of Canada. Any Canadian having regular income proof and a valid bank account can qualify to get started with us.

Use of your personal data

Payday Tree is not a lender and does not make any financing decisions. We just act as an intermediary between you and the lender. We conduct ourselves as a great source that helps Canadians that wants to seek suitable financing to connect with trusted and reputable loan providers. To facilitate this, Payday Tree is required to share your personal information with our panel of listed lenders. By submitting an application on our website, you provide us authorization to share your provided information with featured loan providers on our site. This would help loan providers to reach out to you directly via phone call or email with best possible loan plans and also complete the loan application process. We will solely use your provided information to us with our network of top lenders and appropriate lending companies.

Your account

Payday Tree is directed to be used by adults only. We assume that anywhere having legal age of 18 years or more are using or accessing this site. We do not associate with the minors. It will be your responsibility for maintaining confidentiality of your account, password and restricting access to your computer, and you hereby accept responsibility for all activities that occur under your account and password.

Site use and services

The information and services available on this web portal are available for your personal use only. You shall not be allowed to use any content, information and text available on our site pages for commercial purposes. Any misuse of our site content will lead to legal action against you.

Links to third party sites

References on the site or hypertext links to third party sites are provided solely as a convenience to you or just to provide you additional information. We do not control such websites and are not responsible for their contents or the privacy practices of such websites. You should carefully read the individual privacy policy and terms and conditions of third party websites.

Breaches of these terms of use

Breaches of these terms and conditions will be dealt as follows:
  • A formal warning will be sent
  • Your access to the site will be terminated
  • Your computer/laptop will be blocked, using your IP address from accessing the site
  • Your Internet provider will be contacted
  • We will bring an action in court for breaching of contract
  • Any content or information that you may have generated from our site will be deleted or blocked permanently

Information about you and your visits to the site

All information that we collect on the site is subject to our Privacy Policy. By using the site, you give your permission to all actions taken by us with respect to your information in compliance with the policy. Therefore, you hereby confirm that the information provided by you is accurate and complete and the documents submitted are genuine.

Changes to terms and conditions

At Payday Tree, we reserve the right to revise, modify or change these terms in its sole discretion at any time and without any prior notice. Any changes or modifications made to our terms of use are effective upon posting. Please review our terms of use every time you visit us to stay updated with any changes made to this page of our website. Your continued use of our Site after a revised version of these Terms has been posted on our Site indicates your binding acceptance of the revised Terms.