1. Acceptance of these Terms
By accessing or using the Site, you confirm that you are at least 18 years of age, a resident of Alberta or elsewhere in Canada, and legally able to enter into a binding agreement. If you do not agree with any part of these Terms, please do not use the Site.
2. What we do — and what we do not do
Loans Alberta is an independent information and comparison resource. We publish educational content about loan products available to Alberta borrowers and may connect you with third-party lenders or lead-referral partners.
- We are not a lender, bank, credit union, or licensed payday lender.
- We do not make credit decisions and we do not lend money.
- We do not guarantee that you will be approved for any loan, or approved on any particular terms.
- Any loan you obtain is a contract solely between you and the lender, subject to that lender's terms and applicable law.
3. No professional advice
Content on the Site is provided for general information only and is not financial, legal, tax, or accounting advice. Interest rates, fees, borrowing limits, and eligibility criteria change frequently and vary by lender. Always confirm current terms directly with the lender and consider seeking advice from a qualified professional before borrowing.
4. Referrals and third-party partners
When you submit an application or enquiry through the Site, your information may be shared with one or more third-party lenders or referral partners so they can contact you. We may receive a fee or commission for referrals. This does not add any cost to you, and it does not influence the accuracy of the information we publish. We are not responsible for the products, services, conduct, or privacy practices of any third party.
5. Your responsibilities
- Provide accurate, current, and complete information when using our forms.
- Use the Site only for lawful purposes and not to submit another person's data without authority.
- Do not attempt to disrupt, probe, scrape, or gain unauthorized access to the Site.
- Borrow responsibly and only what you can reasonably afford to repay.
6. Responsible borrowing
Short-term and high-cost credit products such as payday loans are intended for temporary cash-flow needs, not long-term financial management. They can be expensive and, if not repaid on time, can lead to a cycle of debt. Alberta regulates the maximum cost of a payday loan; you can review the current rules on Alberta.ca. If you are struggling with debt, free, confidential credit counselling is available in Alberta.
7. Intellectual property
The Site and its original content, features, and branding are and will remain the exclusive property of Loans Alberta and its licensors, and are protected by Canadian and international copyright and trademark law. You may not reproduce or redistribute Site content without our prior written permission.
8. Disclaimer of warranties
The Site is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or that any information is accurate, complete, or current.
9. Limitation of liability
To the fullest extent permitted by law, Loans Alberta and its owners, operators, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising from your use of the Site, your reliance on its content, or any loan you enter into with a third-party lender.
10. Indemnification
You agree to indemnify and hold harmless Loans Alberta from any claims, damages, or expenses arising out of your use of the Site or your breach of these Terms.
11. Changes to these Terms
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. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
12. Governing law
These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any dispute will be subject to the exclusive jurisdiction of the courts of Alberta.
13. Contact
Questions about these Terms can be sent through our contact page.