Terms & Conditions

These Terms and Conditions ("Terms") govern your use of Primer Financial services and website. By accessing our website or applying for a loan, you agree to be bound by these Terms.

1. Eligibility

To apply for a loan through Primer Financial, you must:

• Be at least 18 years of age
• Be a Canadian citizen or permanent resident
• Have a valid Social Insurance Number (SIN)
• Have a verifiable source of income
• Provide accurate and truthful information in your application

2. Loan Application Process

Submitting a loan application does not guarantee approval. All applications are subject to credit review, verification, and approval by Primer Financial or its lending partners. We reserve the right to decline any application without providing a reason.

3. Interest Rates and Fees

Interest rates, fees, and loan terms are determined based on your creditworthiness, loan type, and amount requested. All rates and fees will be clearly disclosed before you accept a loan offer. Rates are subject to change and may vary by province.

4. Repayment Terms

You agree to repay your loan according to the terms outlined in your loan agreement. This includes making timely monthly payments as specified. Failure to make payments may result in:

• Late payment fees and penalties
• Negative impact on your credit score
• Collection activities
• Legal action

5. Credit Checks

By submitting an application, you authorize Primer Financial to obtain your credit report from credit bureaus and verify your information with third parties. Credit inquiries may impact your credit score.

6. Use of Loan Proceeds

Loan proceeds must be used for lawful purposes only. Primer Financial reserves the right to verify the intended use of loan funds and may decline applications for loans intended for illegal activities, gambling, or speculative investments.

7. Prepayment

You may prepay your loan at any time without penalty, unless otherwise stated in your loan agreement. Prepayment may reduce the total interest paid over the life of the loan.

8. Website Use

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code
• Interfere with the proper functioning of our website
• Submit false or misleading information

9. Limitation of Liability

Primer Financial shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website. Our total liability shall not exceed the amount of fees you have paid to us.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Significant changes will be posted on our website with an updated effective date. Your continued use of our services constitutes acceptance of the modified Terms.

12. Contact Information

For questions about these Terms, please contact us: