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Terms of use

Introduction

These Terms of Use form the basis on which access is granted by Liquidz, to users of our websites www.liquidz.ca ('the Website'). These Terms of Use must be carefully read before accessing and using the Website. Use of the Website constitutes express acceptance of these Terms of Use.

Company business

The Website is operated by Liquidz is a company registered in Ontrio, Canada.

The business of Liquidz is to enter into and administer and unrestricted use loans to consumers.

Access to our websites

Liquidz does not guarantee access to our Websites on any permanent or interrupted basis. Liquidz reserves the right to withdraw or amend access to our Websites without notice, and will not be liable for any loss or damage suffered by any person, firm or corporation arising from the permanent or temporary unavailability of the Websites or of any amendment to the Websites or the service provided by it. Liquidz Finance reserves the right to restrict access to all or any part of our Websites either to users generally or to specific users or specific categories of user. Each legal entity whose employees have access to our Websites must ensure that all employees, officers and any workers in any other capacity are aware of these Terms of Use and comply with them at all times.

Intellectual property​

Liquidz is the owner of all intellectual property rights for our websites and the material displayed on the Websites. The printing of copies of any material, or the downloading of any aspects from our Websites are strictly prohibited except for the purposes of personal reference or research. A modification of any copies or downloads of any materials displayed on our Websites, or the use of any illustrations, photographs, video or audio sequences or any graphics displayed on our Websites separately from any accompanying text is strictly prohibited. Without limiting the generality of the above permissions, the use of any materials displayed on our Websites for commercial purposes without the express prior written consent of Liquidz (which Liquidz may or may not grant at its discretion and may grant subject to such conditions as Liquidz might in its absolute discretion determine) is strictly prohibited.

Obsolete material

Liquidz does not guarantee that any of the material displayed on our Websites from time to time is current or up to date, and will not be liable to any person, firm or corporation using our Websites for any loss or damage suffered or incurred as the result of the use of or reliance upon any material displayed on our Websites which is in whole or in part obsolete or not fully up to date. Liquidz is under no obligation to update any material currently displayed on our Websites.

Limitation of liability

Liquidz gives no guarantee, representation or warranty of any kind as to the accuracy or completeness of any other material displayed on our Websites from time to time. Oakbrook Finance furthermore excludes, to the fullest extent permissible by law, (i) all conditions, warranties or other terms which might otherwise be implied by statute, common law or equity (ii) any liability for loss of profit, loss of revenue, loss of business or contract, loss of anticipated savings, loss of goodwill or any indirect or consequential loss of any kind suffered or incurred by any person as a result of the use of our Websites or any other material displayed on it from time to time, regardless of the cause of action and of whether such loss or damage was foreseeable or Oakbrook Finance had been advised of the possibility of such loss or damage arising. Nothing in these Terms of Use shall however exclude or limit the liability of Oakbrook Finance for death or personal injury caused by its own negligence, or for fraud or fraudulent misrepresentation.

User information

Liquidz will process information regarding users of our Websites at all times in accordance with its Privacy Policy. When continuing to use our services you are agreeing to us processing your information in accordance with our Privacy Policy and warrant that all data provided is accurate.

Viruses, Hacking And Other Offences

The misuse of our Websites by the knowing or reckless introduction of viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful is strictly prohibited. The attempting to gain any unauthorised access to our Websites, the server on which our Websites are stored or any further computer or data entry to the Website is strictly prohibited.

Any breach of the above provisions constitutes a criminal offence under the Computer Misuse Act 1990. If Liquidz Finance becomes aware of any such breach, it will report the same to the relevant law enforcement authorities and will co-operate with those authorities by disclosing the identity of the person, firm or corporation responsible for the breach.

Liquidz will not be liable for any loss or damage caused by any virus or other technologically harmful material that might affect the computer equipment of any user, any computer programmes data or other proprietary material arising from the use of the Website or any material displayed upon it.

Links

Links to our Websites home pages are permissible, but not so as to create any impression of any association, approval or endorsement by Liquidz , or any association or connection between Liquidz Finance and the user. The creation of a link to any part of our Websites other than the homepage is strictly prohibited.

Liquidz reserves the right at any time to withdraw permission to link to our Websites, whether generally or to specified users or categories of user.

Any links contained on our Websites to other websites through goods or services provided by third parties are provided for information only. Liquidz excludes all liability for any loss or damage that any person, firm or corporation might incur as a result of the use of any such link or of any dealings with any third party entered into by the user by means of such link, or arising out of the acquisition or use by the user of any such goods or services.

Variation

Liquidz may vary the Terms of Use at any time by amending the Terms of Use as displayed on our Websites, but without any obligation to give prior notice to any user of our Websites.

Law and jurisdiction

These Terms of Use will be construed, interpreted and applied in accordance with Ontrio Law, and the Courts of Canada will have non-exclusive jurisdiction in relation to any claim arising from the accessing or use of the Website by any person, firm or corporation. If you are not satisfied with any Liquidz product or service we have a complaint handling procedure that you can use to resolve such matters. Information on this procedure will be sent to you in the event of a complaint or upon request. If you are still not satisfied after following our complaint procedure, you can ask the Financial Ombudsman Service to review the complaint. You can write to the   The Financial Ombudsman Service is an organization set up by law to give consumers a free and independent service for resolving disputes with financial firms. More details can be found at their website.

Contact Details 

Please contact us if you have any questions or concerns. Our contact details are as follows: 

 

Personal information protection manager Leo Harris 

Service@Liquidz.ca (att: Leo Harris)

WhatApp : 1-226-446-1113

 

You can also contact us through the feedback form available on our Site. 

© 2024 Liquidz,  All Rights Reserved.

Important Disclosures, Please Read Carefully.

Ontario Residents: Interest rates range from 19.99% to 46.93% Annual Interest Rate. Subject to eligibility, underwriting and approval.
Terms and conditions apply. Credit limit and interest rate are based on creditworthiness at time of application. Generally, applicants who are most creditworthy qualify for the lowest rates. All loans are open-ended with no minimum or maximum payback term.

 3 hours funding available only when using Interac e-Transfer®

Loan Protection: Must be 18 years of age or older, and under 70 years of age to be eligible. The optional Loan Protection Plan is a Credit Group Insurance Plan Underwritten by Canadian Premier Life Insurance Company and Canadian Premier General Insurance Company.

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We do not check credit, but we do check your status database for outstanding cash advances and installment cash advances. Non-payment does not affect your credit score, but may impact your ability to obtain future cash advances and/or installment cash advances with us and some other creditors using database. We may verify your military status under the Military Lending Act, through third party resources.

There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small loans used over a long period of time can be expensive.

We do not charge any other fees for our service. Any information we provide is for the purposes of illustrating the lending process only and should not be read as financial advice.

Liquidz is a registered Trading Name of Liquidz , Registered in Ontrio, Canada, Registered Office: 2468 Yonge St Toronto, ON M4P 2H5

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

Some restrictions apply. Subject to approval. Not all customers will qualify for the maximum amount. An Installment laon may typically range from $100 to $5,000, compared to a cash advance whose maximum amount is up to $500 under ON law. Some consumers may only be eligible for $300 according to customer's credit capabilities. 

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see our privacy policy.

If you have been a victim of a fraudulent or clone site purporting to be this site and requesting funds from you in advance of any loan, we advise you to report this immediately on the following link : Report Fraud

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.

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