Terms and conditions

Approval Disclaimer

Please note that the name "Pret Express" refers only to this website and does not constitute a promise or guarantee of loan approval. Partner lenders retain the right to reject any loan application at their discretion. By using this site, you acknowledge and agree that its name does not automatically guarantee approval or the granting of a loan.

1. Website Use

1.1 Eligibility

To use our services, you must be a resident of Canada and at least 18 years old. By using this website, you represent and warrant that you meet these eligibility requirements.

1.2 Accuracy of Information

We make every effort to provide accurate and up-to-date information, but the content of our site is provided for general information purposes only. We do not guarantee the accuracy, completeness, or reliability of the information on the site. Any reliance placed on this information is at your own risk.

1.3 User Account

Certain features or services of the site may require the creation of a user account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

1.4 Prohibited Activities

You agree not to use the site for any illegal or unauthorized purpose and to comply with all applicable laws and regulations. In addition, you agree not to: (a) Modify, adapt, translate, or reverse engineer any part of the site, (b) Interfere with or disrupt the operation of the site or its servers, (c) Impersonate any other person or entity or provide false information, (d) Use the site to transmit viruses, worms, or any other malicious code, (e) Engage in any conduct that inhibits any other user from using or enjoying the site.

2. Loan Comparisons

2.1 Service Description

PretExpress offers a loan comparison platform that allows users to compare and find loan options offered by third-party lenders. We strive to provide accurate and unbiased information to help users make informed decisions. However, we do not offer loans or make loan decisions.

2.2 Third-Party Lenders

We work with a network of third-party lenders offering loans. We do not guarantee the reliability, quality, or suitability of any lender or loan product. Your interactions with lenders are strictly between you and the lender, and any loan or transaction is subject to the respective lender's terms and conditions.

2.3 Financial Responsibility

You are solely responsible for evaluating the terms, fees, and conditions of any loan offer and for making your own decisions. We encourage you to carefully read the loan agreement and consult a qualified professional before entering into a loan agreement.

2.4 No Financial Advice

The information provided on our website does not constitute financial advice. We do not provide personalized financial advice, and no information or content on the website should be used to make financial decisions.

3. Intellectual Property

3.1 Ownership

The site and its content, including text, graphics, logos, icons, images, audio clips, and software, are owned by or licensed to PretExpress and are protected by copyright and other intellectual property laws.

3.2 Limited License

We grant you a limited, non-exclusive, revocable, and non-transferable license to access and use the site for personal, non-commercial purposes. This license does not permit you to: (a) Modify or copy any part of the site, (b) Use the site or its content for commercial purposes, (c) Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information, (d) Use meta tags or any other hidden text that incorporates our name or trademarks.

4. Privacy Policy

We respect your privacy and process your personal information in accordance with our Privacy Policy, which is incorporated by reference into these terms. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

5. Disclaimer of Warranty

5.1 No Warranty

The site and its content are provided "as is" and "as available." We make no warranties or representations, express or implied, regarding the operation or availability of the site, the accuracy, completeness, or reliability of the content, or the suitability or quality of any products, services, or information provided by third-party providers.

5.2 Use at Your Own Risk

Your use of the site is at your own risk. We disclaim all warranties, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, and non-infringement.

6. Limitation of Liability

6.1 Exclusion of Damages

To the maximum extent permitted by applicable law, we will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with your use of, or inability to use, the site or any services provided by third-party providers.

6.2 Indemnification

You agree to indemnify, defend and hold harmless PretExpress, its affiliates, directors, officers, employees and agents from any and all claims, liabilities, damages, losses, costs or expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the site or any breach of these terms.

7. Changes to Terms

We reserve the right to modify or update these terms at any time without prior notice. The updated terms will become effective immediately upon posting on the website. Your continued use of the website after such changes will constitute your acceptance of the updated terms.

8. Governing Law and Jurisdiction

These terms and conditions are governed by and construed in accordance with the laws of Canada, without regard to its conflict of law provisions. Any dispute arising out of or relating to these terms and conditions or the website shall be subject to the exclusive jurisdiction of the courts located in Canada.

9. Contact

If you have any questions or concerns about these terms and conditions, please contact us.

By using PretExpress, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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