Thank you for using quadfi.com (the “Website”), which is owned and operated by Quad-Fi Inc. or its affiliates (“Quad-Fi”, “we,” or “us”) in order to provide our services (“Services”) to you (“Borrower”, “you”, or “your”). By accessing the Website you acknowledge you have read, understand and agree to accept and adhere to the following terms of use (the “Terms of Use”). If you do not agree with the Terms of Use, you must not access or use the Website. Use of the Website outside of the Province of Ontario, by any person who had not attained the age of 18, or by any person, that is not a natural person is expressly prohibited. If you are located outside of Ontario or if you have not attained the age of majority in Ontario, you must not use the Website.


You agree that we may deliver to you all notices, disclosures and other documents by means of email, by posting on the Website or to your account with us, or by other means of electronic communication. By accessing the Website, you consent to transact business electronically and to receive electronically all notices, disclosures and other documents relating to you and Quad-Fi. You must inform us of any changes in your email so that you continue to receive all notices without interruption. We may choose to deliver notices, disclosures and other documents to you by regular mail, registered mail or courier. You must inform us of any changes in your mailing address so that you continue to receive all notices without interruption.


If you apply for a loan using the Website, you will be asked to provide consent to Quad-Fi obtaining a credit report and/or a credit score from a credit reporting agency. By providing such consent, you consent to Quad-Fi and any of its service providers, affiliates or agents obtaining and using your credit and other personal information (including credit reports) from any credit reporting agency, and exchanging information with any credit reporting agency, on an ongoing basis. You acknowledge that this consent is being obtained to determine your eligibility for a loan, and, if approved, to open and administer your loan, review and verify your ongoing creditworthiness, and manage and assess risk. You authorize any credit reporting agency to provide this information to Quad-Fi and any of its service providers, affiliates or agents.


All content on the Website, including but not limited to designs, text, graphics, pictures, video, information, software, music, sound and other files, and their selection and arrangement (the “Website Content”), are the proprietary property of Quad-Fi with all rights reserved. No Website Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without Quad-Fi’s prior written permission, except as provided in the following sentence. Provided that you are eligible for use of the Website, you are granted a limited licence to access and use the Website and to download or print a copy of any portion of the Website Content solely for your own use in connection with your use of the Website or our Services, provided that you keep all copyright or other proprietary notices intact. You may not republish any Website Content on any Internet, Intranet or Extranet site or incorporate the information in any other database compilation, and any other use of the Website Content is strictly prohibited. Any use of the Website or any of the Website Content other than as specifically authorized herein, without the prior written permission of Quad-Fi, is strictly prohibited and will terminate the licence granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any licence to intellectual property rights, whether by estoppel, implication or otherwise. This licence is revocable by us at any time without notice and with or without cause.


You will be required to create an account to access certain parts of the Website, including your loan. Upon registration, you will choose a username and password and may be asked to provide other distinctive information, such as personal information or account recovery questions (collectively, “Access Credentials”). You are responsible for maintaining the confidentiality of Access Credentials associated with any account you use to access the Website, as well as for all activities that occur under your account. You agree to immediately notify Quad-Fi of any unauthorized use of your login information or any other breach of security. Accessing (or attempting to access) the Website by any means other than through the means we provide is strictly prohibited and you agree not to access (or attempt to access) the Website through any automated or alternative means without our express prior written consent, which may be withheld in our absolute discretion. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you or any loss or disclosure of your Access Credentials.


You may be presented with the opportunity to pre-register and/or apply for a loan through the Website. When pre-registering or applying for a loan on the Website, you agree to provide current, complete and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, incomplete or otherwise misleading, Quad-Fi has the right to terminate your loan pre-registration and/or application and to decline to provide any and all future use of the Website. We reserve the right to decline your application for a loan.


The Website may contain links to websites controlled, owned, and operated by third parties (the “third-party sites”). Quad-Fi has no responsibility for the accuracy or availability of information provided on the third-party sites. The links which we may place on the Website do not imply that we sponsor, endorse or are affiliated or associated with, or have been legally authorized to use any trademark, trade name, servicemark, design, logo, symbol or other copyrighted materials displayed on or accessible through such sites. You acknowledge that use of any third-party sites is governed by the terms of use for those websites, and not by the Terms of Use. You acknowledge sole responsibility for, and assume all risk arising from, your use of any third-party websites or resources.


In connection with your use of the Website, we may send you marketing offers about third party financial products or services that may be of interest to you (“Third Party Offers”). Quad-Fi makes no representations or guarantees regarding your eligibility or qualification for such Third Party Offers. If you have any questions regarding any Third Party Offers, you must contact the third party directly. You understand and agree that Quad-Fi is merely providing you with information on Third Party Offers that may be of interest to you, and that Quad-Fi has no control over or responsibility for the Third Party Offers or any loss that you may suffer as a result of the use of, or your inability to avail yourself of, such Third Party Offers. You should exercise your own judgment and obtain any expert advice you consider necessary prior to entering into an arrangement with a third party.


Under no circumstances will Quad-Fi be liable for any damages including general, special, direct, indirect, incidental, consequential, punitive or any other damages (including, without limitation, lost profits, lost or damaged data, business interruption or debt servicing costs) of any kind whether in an action in contract, negligence or any other legal theory, arising or relating in any way to the use or inability to use by any party of the Website, our Services or any third-party Website to which the Website is linked, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, computer hacking, even if Quad-Fi, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Your sole and exclusive remedy is to stop using the Website and cease to use our Services. If your use of the Website results in the need for servicing, repair or correction of equipment or data, you accept such result and assume any costs thereof. If the foregoing limitation is found to be invalid, you agree that the total liability of Quad-Fi for all damages, losses, or causes of action of any kind or nature shall be limited to the greatest extent permitted by applicable law.


The Website is provided on an “As-Is” or “As-Available” basis, and Quad-Fi expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to, any implied warranties and conditions of merchantability, fitness for any particular purpose or non-infringement. Quad-Fi does not warrant: (i) that the Website will function on an uninterrupted or error-free basis, or be free of viruses or other harmful components; or (ii) the accuracy, completeness, reliability or currency of the Website Content.


You agree to indemnify and hold Quad-Fi, its subsidiaries and affiliates, and each of their directors, officers, agents, contractors, service providers and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable legal fees, arising out of or in connection with your use of the Website or our Services, or any violation of the Terms of Use or of any law or the rights of any third-party. In the event that this indemnity is unavailable for any reason, you agree to contribute to such loss in full.


Certain information on the Website is for informational purposes only. Nothing on the Website constitutes financial, legal, tax or other advice to you and should not be relied upon by you in that regard.


Quad-Fi’s privacy policy (the “Privacy Policy”) is available at https://quadfi.com/privacy-policy/. By visiting the Website and using our Services, you acknowledge and agree to accept and adhere to the Privacy Policy.


Quad-Fi has no obligation to monitor access to or use of the Website, however, you acknowledge that Quad-Fi has the right to monitor the Website electronically at any time and from time to time, including without limitation, in order to: (i) to satisfy any applicable law, regulation or governmental request; (ii) to operate and improve the Website and our Services; or (iii) to protect itself or other users of the Website.


This agreement (the “Agreement”) made between you and Quad-Fi by your use of the Website in accordance with the Terms of Use is effective until terminated by Quad-Fi. Quad-Fi may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Website at any time, with or without cause, in Quad-Fi’s absolute discretion and without notice.


The Terms of Use and any and all other legal notices or statements posted on the Website constitute the entire agreement between you and Quad-Fi with respect to the use of the Website. In the event of a conflict between the Terms of Use and any other agreement you have with Quad-Fi, the terms of that agreement will prevail.

Failure by Quad-Fi to enforce any of its rights under the Terms of Use shall not be construed as a waiver of those rights or any other rights in any way whatsoever.

If any provision of the Terms of Use is ruled by an appropriate authority to be unlawful, void, or for any reason unenforceable, then such provision shall be severable from the Terms of Use and shall not affect the validity and enforceability of any remaining provisions of the Terms of Use.

The Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario and of the laws of Canada applicable therein. You and we agree- that any dispute in connection with the Website or our Services is to be submitted exclusively to a court of competent jurisdiction in Toronto, Ontario, and no other court.


Quad-Fi reserves the right to amend the Terms of Use at any time. All changes shall be effective upon posting to the Website. Your continued use of the Website or our Services after any change to the Terms of Use constitutes your agreement to be bound by any such changes. Quad-Fi may terminate, suspend, change, or restrict access to all or any part of the Website or our Services without notice or liability at any time.


If you have questions regarding the Terms of Use or the practices of Quad-Fi, please contact us.

Quad-Fi Inc.
151 Yonge St
Toronto, ON
Canada M5C 2W7

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