Terms and Conditions

Last Updated: January 2026

Welcome to Payday Wings (“we,” “our,” or “us”). By accessing and using www.paydaywings.ca (the “Website”), you agree to comply with and be bound by the following Terms and Conditions.

If you do not agree with these terms, please do not use this Website.

1. Not a Lender Disclaimer

Payday Wings is not a lender and does not provide loans directly.

We are an independent loan comparison and referral platform. We connect users with third-party lenders and financial service providers.

We:

• Do not make credit decisions
• Do not guarantee loan approval
• Do not set loan terms or interest rates
• Do not control funding times

All loan terms are determined by individual lenders.

2. No Guarantee of Approval

Submitting a request through our Website does not guarantee:

• Loan approval
• Specific loan amounts
• Same-day funding
• Specific interest rates or fees

Approval decisions depend entirely on the lender’s criteria and provincial regulations.

3. User Responsibilities

By using this Website, you agree that:

• All information you provide is accurate and truthful
• You are at least the age of majority in your province
• You are a resident of Canada
• You understand short-term loans may carry high fees

You are responsible for reviewing any loan agreement carefully before accepting.

4. Provincial Regulations

Payday loans in Canada are regulated at the provincial level. Fees, repayment rules, and borrower protections vary by province.

For official information, you may visit the Financial Consumer Agency of Canada.

5. Third-Party Websites

Our Website may contain links to third-party lender websites.

We are not responsible for:

• Content on third-party sites
• Loan agreements
• Lender privacy practices
• Lender business practices

Any agreement you enter into is strictly between you and the lender.

6. Limitation of Liability

Payday Wings is not liable for:

• Loan denials
• Funding delays
• Interest rates or fees
• Financial losses
• Errors in third-party information

Use of this Website is at your own risk.

7. Intellectual Property

All content on this Website, including text, branding, logos, and design, is the property of Payday Wings and may not be copied or reproduced without permission.

8. Changes to Terms

We reserve the right to update these Terms at any time without prior notice. Continued use of the Website indicates acceptance of any updates.

9. Contact Information

If you have questions regarding these Terms, please contact us through our Contact page.