Terms of Use

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Introduction and Definitions

Thank you for visiting our web site www.mycanadapayday.com referred to in these Terms of Use as "the Site"). These "Terms of Use" provide the terms and conditions under which you view and use the Site, and by viewing or using the site you acknowledge having read and understood, and you agree to abide by, these Terms of Use. If you do not agree to abide by these Terms of Use, please do not use the site.

Throughout these Terms of Use, the terms "MCP," "we," "our" and "us" refer to Westrock Financial Ltd., the owner of the Site, while "you" and "your" refer to you as the site visitor/user. The headings in these Terms of Use are provided for convenience only, and are not to be considered in the interpretation of this document.

  1. Limitation of Liability

In no event shall MCP be liable for any direct, indirect, incidental, special or consequential damages, or damages for loss of profits, revenue, data or use, incurred by you or any third party, whether in an action in contract or tort, arising from your access to, or use of, the site or any content provided on or through the site.

  1. Exclusions and Limitations

Some jurisdictions do not allow the disclaimer or exclusion of certain warranties or the disclaimer, exclusion or limitation of certain liabilities. To the extent that they are held to be legally invalid, disclaimers, exclusions and limitations set forth in these terms of use do not apply and all other terms shall remain in full force and effect.

  1. Privacy Policy

MCP is concerned about your privacy and has developed a policy to address privacy concerns. For more information, please see our Privacy Policy. Any personal information collected on this Site may be accessed and stored globally and will be treated in accordance with our Privacy Policy.

  1. Credit Check & Employment Verification Consent

By submitting an application online for a loan with MCP, you agree that all the information you have given MCP on the application is complete and accurate. You agree that you have read our privacy policy and terms of use, and that you consent to, and accept this as written consent to authorize MCP to contact your employer to verify your employment and to request, obtain and store personal information about you from one or more of the Canadian credit reporting agencies. For customers applying from Manitoba, the start date of your personal investigation consent when will on the date you submit your application, and will remain in effect through the duration of your agreement.

  1. Ongoing Access to Credit Reports

You agree that MCP shall have the ongoing authorization to request, obtain, and store personal information about you from any one or more of the Canadian credit reporting agencies for the purpose of reassessing your credit worthiness in the event that you request a loan in the future, or for the purposes of debt collection. This authorization shall remain in force until such time as it is revoked in writing by you and you have no outstanding balance with MCP.

  1. Applicable Laws

This Agreement shall be construed and governed by the laws of the Province of British Columbia, Alberta, Manitoba, Saskatchewan, Ontario or Nova Scotia according to your place of residence. If your place of residence is outside of these Provinces, this Agreement shall be construed and governed by the laws of the Province of British Columbia.

  1. Copyright/Trademark

The copyright in this website and the material on this website (including without limitation the text, computer code, artwork, photographs, images, music, audio material, video material and audio-visual material on this website) is owned by Westrock Financial Ltd. Other than the right to view the website on a computer or mobile device, we do not grant you any other rights in relation to the site or the material on the site.

  1. Contact Information

If you have any questions regarding these Terms of Use, please contact MCP at info@mycanadapayday.com. If you have any other questions, contact information is available at the Contact MyCanadaPayday page on the Site.

  1. Waiver

MCP's failure to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of that right or provision.

  1. Severability

If any provision of this Agreement is declared to be invalid, the parties agree that any such invalidity shall not affect the remaining provisions of this Agreement.

  1. Entire Agreement

This Agreement constitutes the entire agreement between the parties with respect to the subject matter contained herein and supersedes any previous or simultaneous oral, or written communications, representations, understandings or agreements with respect thereto. The terms of this Agreement may be modified only in writing signed by both parties.