Terms of Service

1 Acceptance of These Terms

These Terms form a binding agreement between you and CoCASH.ca. Your use of the Site — including browsing pages, submitting information, starting an application, or interacting with our services — means you accept these Terms as updated from time to time.

Certain services, offers, lender-matching services, cosigner-related services, or financial products may be subject to additional agreements, disclosures, eligibility requirements, or third-party terms. If additional terms apply, they will be presented to you separately and will govern that specific service or transaction.

2 Updates to These Terms

CoCASH.ca may update, modify, or replace these Terms at any time, subject to applicable law. When changes are made, we may update the "Last Updated" date at the top of this page.

Your continued use of the Site after updated Terms are posted means you accept the revised Terms. If you do not agree with the updated Terms, you must stop using the Site.

3 Use of the Site

CoCASH.ca grants you a limited, personal, revocable, non-transferable, non-exclusive license to access and use the Site for lawful, personal, and non-commercial purposes.

You may use the Site only as permitted by these Terms and applicable laws. You do not receive ownership rights in the Site, its content, design, branding, software, text, images, graphics, forms, or other materials.

You agree not to use the Site in a way that interferes with its normal operation, harms CoCASH.ca, harms other users, violates laws, or misuses the services we provide.

4 Eligibility

The Site is intended for users who are legally permitted to access and use financial or loan-related services in their jurisdiction.

By using CoCASH.ca, you confirm that:

• You are at least the age of majority in your province, territory, state, or country of residence.
• You have the legal capacity to enter into binding agreements.
• The information you provide is accurate, current, and complete.
• Your use of the Site complies with all applicable laws.

CoCASH.ca does not guarantee that the Site or services are available or appropriate in every location.

5 Applications and Service Availability

CoCASH.ca may provide access to loan-related information, application forms, cosigner-related support, lender-matching services, or other financial service options.

Submitting an application or form does not guarantee approval, funding, loan availability, lender acceptance, cosigner acceptance, or any specific financial outcome.

Approval, funding, repayment terms, rates, fees, and conditions may depend on:

• Eligibility requirements
• Information you provide
• Verification results
• Lender or service-provider criteria
• Applicable laws and regulations
• Additional agreements or disclosures

Any final financial product or service may be governed by separate terms provided by the applicable lender, provider, or partner.

6 Account Registration and Security

Some parts of the Site may require an account, login, or secure access. If you create an account or submit information, you agree to provide truthful, accurate, complete, and current information.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs through your account.

You agree to notify CoCASH.ca immediately if you suspect unauthorized access, misuse, or a security issue involving your account or information.

7 Prohibited Uses

You agree not to use the Site for any unlawful, harmful, fraudulent, abusive, or unauthorized purpose. You must not:

• Violate any applicable law or regulation.
• Submit false, misleading, incomplete, or fraudulent information.
• Attempt to access accounts, systems, data, or areas of the Site without authorization.
• Interfere with the security, performance, or operation of the Site.
• Use bots, scrapers, crawlers, automated tools, or similar technologies to copy, monitor, or extract data from the Site.
• Upload, transmit, or distribute malware, viruses, harmful code, or disruptive technology.
• Copy, reproduce, modify, distribute, frame, or exploit Site content without written permission.
• Use the Site to send spam, unauthorized marketing, phishing messages, or misleading communications.
• Impersonate another person or misrepresent your identity or affiliation.
• Use the Site in a way that harms CoCASH.ca, its users, partners, service providers, or third parties.

CoCASH.ca may suspend, restrict, or terminate access to the Site if we believe these Terms have been violated.

8 Communications and Electronic Messages

By providing your contact information, you agree that CoCASH.ca and its service providers may contact you about your application, account, services, updates, verification, support, or related matters.

Where permitted by law, we may also send marketing or promotional communications. You may opt out of marketing communications at any time by using the unsubscribe instructions or contacting us directly.

Service-related messages may still be sent when necessary to process applications, provide support, manage security, or comply with legal obligations.

9 Accuracy of Information and Site Content

The content on CoCASH.ca is provided for general informational purposes only. While we aim to keep the Site accurate and updated, we do not guarantee that all content is complete, current, error-free, or suitable for your specific situation.

Information on the Site should not be treated as legal, financial, tax, or professional advice. You are responsible for reviewing all applicable terms, disclosures, and agreements before making decisions.

CoCASH.ca may update, change, remove, or correct Site content at any time without notice.

10 Third-Party Services and Links

The Site may include links to third-party websites, platforms, lenders, service providers, tools, or resources.

Third-party links are provided for convenience only. CoCASH.ca does not control and is not responsible for third-party websites, services, privacy practices, terms, content, accuracy, availability, or decisions.

Your use of third-party services may be governed by their own terms and policies. You should review them carefully before submitting information or entering into any agreement.

11 Intellectual Property

The Site and its content — including text, graphics, logos, icons, images, design, layout, software, branding, and other materials — are owned by or licensed to CoCASH.ca and are protected by intellectual property laws.

You may not copy, reproduce, modify, publish, distribute, display, transmit, sell, license, frame, scrape, reverse engineer, or create derivative works from any part of the Site without prior written permission from CoCASH.ca, except as permitted by law.

All rights not expressly granted are reserved.

12 User Submissions

If you submit information, documents, messages, files, or other materials through the Site, you confirm that you have the right to provide them and that they are accurate, lawful, and do not violate the rights of any third party.

You remain responsible for the information and materials you submit.

By submitting materials to CoCASH.ca, you authorize us to use, process, store, transmit, and share them as reasonably necessary to provide services, process applications, verify information, communicate with you, operate the Site, comply with legal obligations, and enforce these Terms.

13 Privacy

Your use of CoCASH.ca is also governed by our Privacy Policy. Please review it to understand how we collect, use, disclose, store, and protect personal information.

14 Security

CoCASH.ca uses reasonable administrative, technical, and physical safeguards designed to protect the Site and information submitted through it.

However, no website, internet transmission, email, or electronic storage system can be guaranteed to be completely secure. You use the Site and submit information at your own risk.

You are responsible for using secure devices, protecting your login information, and notifying us promptly if you believe your information or account has been compromised.

15 Disclaimer of Warranties

To the maximum extent permitted by law, the Site and its content are provided on an "as is" and "as available" basis.

CoCASH.ca makes no warranties, representations, or conditions of any kind — whether express, implied, statutory, or otherwise — including warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, non-infringement, uninterrupted operation, or error-free performance.

We do not guarantee that:

• The Site will always be available or secure.
• Errors will always be corrected.
• Applications will be approved.
• A lender or service provider will accept you.
• Any specific financial product, amount, fee, term, rate, rebate, or outcome will be available.
• The Site will meet your expectations or requirements.

16 Limitation of Liability

To the maximum extent permitted by applicable law, CoCASH.ca and its owners, directors, officers, employees, contractors, affiliates, partners, service providers, and agents will not be liable for any direct, indirect, incidental, special, consequential, punitive, or other damages arising from or related to:

• Your access to or use of the Site.
• Your inability to access or use the Site.
• Your reliance on Site content.
• Errors, delays, interruptions, or inaccuracies.
• Unauthorized access to or use of information.
• Third-party websites, services, lenders, or providers.
• Application decisions, loan decisions, matching decisions, or financial outcomes.
• Any conduct or content of users or third parties.

This limitation applies regardless of the legal theory, including contract, tort, negligence, strict liability, statute, or otherwise.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

17 Indemnification

You agree to defend, indemnify, and hold harmless CoCASH.ca and its owners, directors, officers, employees, contractors, affiliates, partners, service providers, and agents from any claims, damages, losses, liabilities, costs, and expenses — including reasonable legal fees — arising from or related to:

• Your use of the Site.
• Your violation of these Terms.
• Your submission of false, inaccurate, unlawful, or misleading information.
• Your violation of any law or third-party right.
• Your misuse of Site content, services, or systems.

18 Suspension and Termination

CoCASH.ca may suspend, restrict, or terminate your access to the Site at any time if we believe you have violated these Terms, created risk, submitted misleading information, misused the Site, or acted in a way that may harm CoCASH.ca, users, partners, service providers, or third parties.

We may also modify, suspend, or discontinue any part of the Site at any time without notice.

19 Governing Law

These Terms are governed by the laws of [Insert Province/Territory] and the applicable federal laws of Canada, without regard to conflict of law principles.

Any dispute related to these Terms or your use of the Site will be handled in the courts located in [Insert City/Province], unless applicable law requires otherwise.

Note: Do not leave this section vague before publishing. Confirm the correct province, business entity, and dispute venue with legal counsel.

20 General Terms

These Terms, together with any applicable policies, disclosures, agreements, or additional terms, form the agreement between you and CoCASH.ca regarding use of the Site.

If any part of these Terms is found to be invalid or unenforceable, the remaining parts will continue to apply.

Our failure to enforce any part of these Terms does not waive our right to enforce it later.

You may not assign or transfer your rights under these Terms without our written permission. CoCASH.ca may assign or transfer its rights where permitted by law.

21 Contact Us

If you have questions, concerns, or requests about these Terms, contact us: