Welcome to etransferpaydayloans.ca (the “Website”), operated by E-Transfer Payday Loans Canada (“we,” “us,” or “our”). E-Transfer Payday Loans Canada is a loan-comparison platform used to learn about licensed provincial lenders and borrowing costs, or to apply for a payday loan, instalment loan, or related financial service (collectively, the “Services”). Our platform is not itself a lender: when you submit an application through our site, it may be forwarded to one or more licensed partner lenders, who independently assess your eligibility and make the final lending decision. “Users” and “you” refer to anyone who visits or uses our Services, or who communicates with us.
This Privacy Policy explains what information we collect, how we use and share that information, and what choices you have regarding our personal information practices. For purposes of this policy, “personal information” means any information about an identifiable individual, excluding business contact information used to reach someone for employment-related purposes. For any collection, use, disclosure, or other processing that is not reasonably necessary to provide you with what you requested, or for purposes related to protecting your rights or ours, you may opt out of that practice. See “Your Choices” below for how to do so.
Quick Summary
Our platform’s goal is to help Canadian residents with imperfect or limited credit access fast cash – either a single-payment payday loan ($100–$1,500, repaid at your next payday) or an instalment loan ($500–$5,000, repaid over 3 to 60 months) - with no hard credit pull, and funds typically sent by Interac e-Transfer within about an hour of approval during business hours.
We connect users with licensed partner lenders operating under each province’s borrowing-cost cap and licensing regime. Eligibility is assessed through an electronic, read-only bank-connection tool that reviews recent income and transaction history, rather than a credit bureau inquiry. Our platform also provides free educational content on how these products work, provincial regulation, and borrower protections.
E-Transfer Payday Loans Canada lets you request a match by completing our online application form. You can also contact us directly by email or mail for any question about your file.
If you have questions or wish to contact our privacy team, you can write to us at [email protected] or by mail at 147 Liberty St, Toronto, ON M6K 1Y6.
Agreement to This Privacy Policy
Before using the Services or submitting personal information to us, please carefully review this Privacy Policy and contact us if you have any questions. By using the E-Transfer Payday Loans Canada website or submitting information to us, you agree to the practices described in this policy. If you do not agree with this Privacy Policy, please do not access the Website or use our Services in any way. This Privacy Policy is incorporated into, and subject to, our Terms of Use.
The Service is intended for users residing in Canada. If you do not reside in Canada, please do not use our Services.
Consent Specific to Your Loan Application
The application form, available on the dedicated Service page, includes a separate consent checkbox that must be checked before your application can be submitted. The checkbox reads:
“I agree that my personal information may be shared with E-Transfer Payday Loans Canada and its partner lenders in order to assess my loan application, in accordance with the Privacy Policy.”
A link to this Privacy Policy accompanies this text and opens in a new tab, so you can review it without losing information already entered in the form.
When you submit the application form, your information is first stored centrally on our own secure application system and is then transmitted to our partner Loans Canada, which may share it with its partner lenders to assess your loan application.
The application form is protected by Google reCAPTCHA v3, which checks that a submission comes from a person rather than an automated program. Google’s Privacy Policy and Terms of Service apply to that check.
This box is never checked by default: you must actively enable it to give consent. Until it is checked, your application cannot be forwarded to our partner lenders. If you try to submit the form without checking the box, a message appears near it: “To submit your application, you must provide your consent.” While online applications are not yet open, or while the anti-robot check is loading, the submit button is inactive; once the form is open, trying to submit without the box checked shows this message.
This specific consent applies only to the loan application form. Our general “Contact Us” channels, used to ask a question or leave feedback, do not require this checkbox and do not trigger any transmission of your information to a partner lender.
Personal Information We Collect
Our primary purpose in gathering personal information is to provide the services our users expect, ensure our platform functions properly, and improve the quality of your interactions with us. The type of information we collect is reasonably related to these purposes. For any information that is not reasonably related to the reason you contacted us, you may opt out of that processing practice.
E-Transfer Payday Loans Canada collects only the information necessary to assess your matching request and, where applicable, connect you with a licensed partner lender. The type of information collected varies depending on the product requested (single-payment payday loan or instalment loan), the amount, and the repayment term, and includes, without limitation:
Primary contact information: your full name, email address, phone number, home address, and any other information you choose to provide in order to receive a response to your request.
Financial, employment, and other personal information: when you apply for a loan and give your consent via the checkbox described above, we may collect the financial information necessary to submit a complete file to licensed partner lenders capable of assisting you, including your primary income source (employment, self-employment, EI, disability support, child tax credit, CPP/OAS pension) and your approximate net monthly income. The financial and other personal information we collect (including your date of birth and IP address) is used to assess your eligibility and match you with lenders able to offer the product you’re requesting. This includes data obtained through our electronic bank-connection tool – a temporary, secure, read-only link to your bank account, established only with your explicit consent, which reviews the regularity of deposits, average balance, and frequency of NSF incidents over a recent period, without appearing on your credit file. Information you provide may be shared with other financial partners in order to process your file on your behalf. This information is only disclosed to partners bound by confidentiality obligations.
Identity verification information: to prevent fraud and protect your file, you may be asked to provide valid government-issued photo identification, as required for lender licensing in most provinces.
Communication information: we may collect information if you contact us with a question or concern through our “Contact Us” channels, or if you voluntarily respond to surveys or feedback requests. Providing this information is optional, and these channels do not trigger any transmission to a partner lender.
Commercial information: we may retain an overview of the products you’ve requested through our Services, including the amount, term, and product type (payday vs. instalment) associated with your application.
Technical and online activity information: if you use our Service, we (or third-party tracking tools) may automatically record:
- Device information: device type, IP address, browser type, operating system, session duration, unique device identifiers.
- Usage information: pages viewed, features used, and the time, frequency, and duration of your activity. We may use a privacy-focused analytics tool to measure visits; it never receives information you enter in our forms.
- Email engagement information: the date and time you open or click links in emails we send you.
Certain elements of information described above may be recorded whether or not you submit a request for service. If you submit a loan application, all information described in this section may be recorded and retained to the extent necessary to properly respond to your request.
How We Collect Your Information
Personal information may be collected in a number of ways, including through our Services.
In general, you can browse our Website without telling us who you are or revealing any personal information about yourself. If you want to use our Services, we ask for certain information to deliver the expected functionality, verify your identity, and ensure the security of all parties.
We may use the following technologies to collect information:
- Cookies – text files stored on your device to identify your browser or to store information and settings that help you navigate efficiently, remember your preferences, and enable certain features. By using our Website, you consent to the use of cookies and similar technologies for the purposes described in this policy. We may use cookies from platforms such as Google Ads, Meta (Facebook/Instagram), and other technology or advertising platforms.
- Local storage techniques, such as HTML5, which provide functionality similar to cookies but can retain larger amounts of data on your device, outside your browser.
- Web beacons (“pixels”), used to confirm that a web page or email has been viewed or opened.
- Third-party measurement and analytics, to help us understand and analyze visitor traffic, measure the effectiveness of our marketing, and identify areas of our platform that need improvement.
- Social media: if you post a review, comment, or submit personal information on a public forum, such as one of our social media accounts, your communications may be visible to the public.
You are not obligated to use our Services if you don’t want to disclose your information.
Residents of Quebec are separately entitled to a prior-consent mechanism for non-essential cookies, local storage, and other tracking technologies under Quebec’s Act Respecting the Protection of Personal Information in the Private Sector (Law 25). E-Transfer Payday Loans Canada reserves the right to retain cookies and/or other data for essential purposes only, unless broader consent is given.
How We Use Personal Information
In general, we use your personal information for the following reasons:
Providing the service, including to provide, operate, maintain, and secure our Services. Applications are typically assessed by the partner lender within roughly an hour of the bank-connection verification, during business hours.
Communicating with you, including to send administrative updates (such as changes to our Terms of Use or this Privacy Policy) and to provide user support and respond to your requests, questions, and comments.
Improving the service, including to enhance our platform, build new features, facilitate future applications, personalize your experience, and generate and draw conclusions from aggregated information.
Marketing and advertising, including for direct marketing – to send you messages about promotions, offers, and special events by email, text message, phone call, or other means.
In accordance with Canada’s Anti-Spam Legislation (CASL), we will only send direct marketing messages if one of the following applies (and you have not unsubscribed):
- You expressly consented to receiving marketing emails by submitting a loan application.
- At the time you submitted a request, you gave implied consent to receive marketing emails from us. In that case, your authorization expires 6 months after the submission of your application, unless renewed.
Interest-based advertising: we work with advertising partners, including third-party advertising companies and social media companies, to display advertisements on our Service and on other online services.
Compliance and security, including to comply with applicable laws, legal requests, and judicial proceedings (for example, to respond to requests from provincial financial regulators or other government authorities); to protect our rights, safety, and property, as well as yours or those of others; and to prevent, identify, and deter fraudulent, unauthorized, or illegal activity, including identity theft.
Sharing of Personal Information
E-Transfer Payday Loans Canada limits access to the personal information provided by users. This information is only accessible to team members who need it to fulfill their role, including:
- Our technical team, for reporting, development, and maintenance of our internal systems.
- Our marketing team, for reporting or marketing-related operations such as email marketing.
- Our legal and privacy team, to handle requests for record deletion or other privacy-related requests.
Data sharing: we do not sell, rent, or license your personal information to third parties, except to validate your loan application – and only when you have checked the consent box described above. This does not authorize any third party to bypass anti-spam legislation and send you marketing messages.
Your personal information may be accessible to:
- Service providers, including licensed partner lenders registered with your province’s financial regulator, with whom we work to help users obtain the product they’re requesting. When a user submits an application and gives consent, their information may be shared with one or more partner lenders to assess eligibility. Some lenders may report repayment history to credit bureaus (Equifax or TransUnion); you can ask your partner lender whether this applies before signing.
- Technology service providers, including hosting providers, email service providers, our bank-connection/income-verification provider, our Interac e-Transfer processing partner, advertising and analytics services.
- Professional advisors, such as lawyers and accountants, where necessary to facilitate the services they provide us.
- Parties to a business transaction, such as counterparties and others assisting a merger, acquisition, reorganization, or sale of assets.
- Regulatory requirements, where necessary to comply with applicable laws, including those of provincial financial and consumer protection regulators.
E-Transfer Payday Loans Canada may disclose your personal information: to any government entity in connection with an investigation into our compliance with applicable laws; in response to a court order, subpoena, or other legal process; as required or permitted by applicable law; and in good faith, to protect or defend our rights or those of a third party.
Retention and Destruction of Personal Information
Personal information is retained until:
- We no longer need it to fulfill the purposes described in this policy.
- The information is no longer reasonably necessary to comply with, defend, or protect our rights, your rights, or those of a third party, or to satisfy legal requirements.
Where you have not given explicit marketing consent, your information is scheduled for deletion from our servers after a reasonable period. Where you have given explicit marketing consent, we retain your basic contact details for as long as your opt-in status remains unchanged.
Retained data is stored securely on servers administered by our partner hosting providers. If you would like us to delete your data, write to us at [email protected].
Children
Our Service is not directed at individuals under 18. E-Transfer Payday Loans Canada does not knowingly collect personal information from minors. If you have reason to believe a person under 18 has provided us with personal information through the Service, please contact us and we will take steps to delete that information from our databases.
Links to Other Websites
The Service may contain links to other websites not operated or controlled by E-Transfer Payday Loans Canada, including social media services and the websites of our partner lenders. Information shared with these third-party sites is governed by their own privacy policies, not this one.
Data Security and Risk
Use of the site is at the user’s own risk. Personal information is protected online and offline through commercially reasonable technical, administrative, and organizational measures against loss, misuse, unauthorized access, disclosure, alteration, or destruction.
No transmission over the Internet or by email is ever completely secure or error-free. Use caution when choosing what information to send us through the Service or by email. We encourage all users to provide only the information they’re comfortable sharing, to stay alert for suspicious communications, and to report any suspicious activity to us promptly.
Cross-Border Data Transfers
Where personal information is transmitted or disclosed to a third party outside Canada, your information may become subject to the laws of foreign jurisdictions in connection with the processing or storage of that data. We take diligent steps and appropriate safeguards to protect your personal information and require our third-party service providers and partners to adopt adequate protective measures as well.
Your Choices
- Updating or correcting personal information: you may request any update or correction necessary to keep your personal information accurate, current, and complete.
- Withdrawing consent to your loan application: you may withdraw, at any time, the consent given via the application form’s checkbox by contacting us at the address below. Withdrawal does not affect the lawfulness of processing already carried out before the withdrawal.
- Unsubscribing from marketing communications: you can unsubscribe using the instructions included in the marketing emails we send you.
- Opting out of information-use practices: users may opt out of the information-processing practices described in this document that are not reasonably necessary to achieve the purposes they requested.
- Limiting online identification:
- Blocking cookies: most browsers (Firefox, Chrome, Microsoft Edge, Safari) let you remove or reject cookies.
- Limiting advertising identifiers: through your device settings.
- Using privacy-focused browsers or plug-ins configured to block third-party cookies.
- Industry opt-out tools: the Digital Advertising Alliance of Canada or the Network Advertising Initiative.
- Do Not Track: we do not respond to “Do Not Track” signals or similar signals.
Additional Rights for Quebec Residents
If you reside in Quebec, you have specific rights under Law 25 (An Act respecting the protection of personal information in the private sector), including the right to access and rectify your personal information, the right to request the deactivation or deletion of your data in certain circumstances, and the right to be informed of any automated decision made solely on the basis of an automated processing of your personal information. To exercise these rights, contact our privacy officer at [email protected].
Applicable Law
This Privacy Policy and all related matters will be interpreted in accordance with the laws of Canada and, where applicable, the laws of the province in which you reside.
Changes to This Privacy Policy
We may change this Privacy Policy at any time. An updated version will be posted on this page, and the effective date of the update will be indicated at the top of this policy. If you continue to use our Service after an updated version is posted, you accept the revised version and the practices it describes.
Contact Us, File a Complaint, or Request Data Deletion
If you have questions about our privacy policy, our personal information practices, or if you wish to withdraw your consent to sharing your data with our partner lenders, please contact us:
E-Transfer Payday Loans Canada
Email: [email protected]
Address: 147 Liberty St, Toronto, ON M6K 1Y6
Hours: Monday–Friday, 9 a.m.–5 p.m. (ET)