Terms of use
Effective date: [date] · Version [1.0]
These terms apply to your use of oro168.ca. They are separate from any loan agreement you sign with us. If you take out a loan, your loan agreement governs the loan, and it prevails over these terms if the two conflict.
1. About us
This website is operated by [Oro168 Legal Entity Inc.], operating as ORO168, a [province] corporation (“ORO168”, “we”, “us”). Contact: [phone], [email], [mailing address].
2. Accepting these terms
By using this website, you agree to these terms. If you don’t agree, please don’t use the site. [The French version of these terms is available [here]. Si vous résidez au Québec, la version française vous est présentée en premier.]
3. Nothing on this site is an offer to lend
Information on this website is general information, not an offer or commitment to lend. Every loan is subject to a completed application, verification of your identity and information, our credit approval, and availability in your province. We may decline any application.
4. Rates, fees and examples
- Our loans have an annual percentage rate (APR) of [X]% to [Y]%. No ORO168 loan exceeds 35% APR, including all charges counted in the cost of borrowing.
- The rate you’re offered depends on your application and credit assessment. It is confirmed only in your loan agreement and disclosure statement.
- Representative example: [a $[amount] loan over [term] months at [rate]% APR, with [fees], costs $[payment] per [period], for a total cost of borrowing of $[cost] and a total repaid of $[total]].
- All our fees are listed on our Rates & fees page.
5. Calculators and estimates
Our loan calculator gives estimates for illustration only. It isn’t a quote, an offer or a credit decision. Results assume [the representative APR, on-time payments, and no other fees] and may differ from the terms you’re offered.
6. Who can apply
To apply, you must:
- have reached the age of majority in your province
- live in a province where we are licensed to lend: [list]
- have a bank account in Canada in your own name
- give true, complete and current information
7. Licensing
We are licensed or permitted to lend in each province we serve. Our licence numbers are listed on our Licensing & disclosures page[, along with any address a regulator requires us to publish].
8. Our online application
Applications are completed at apply.oro168.ca, a platform run for us by a service provider. Your use of it is also covered by our Privacy policy and the terms shown during the application.
9. Using the website properly
You agree not to:
- give false or misleading information, or apply in someone else’s name
- copy, scrape or harvest content or data from the site by automated means
- try to interfere with the site’s security or operation
- use the site for any unlawful purpose
If you suspect fraud involving ORO168, or someone pretending to be us, contact us right away at [fraud email or phone]. We will never ask you to pay a fee before receiving a loan.
10. Links to other websites
Links to other websites are provided for convenience. We aren’t responsible for their content or privacy practices.
11. Intellectual property
The ORO168 name, logo, content and design of this website belong to us or our licensors. You may view and print pages for personal, non-commercial use. Any other use needs our written permission.
12. Disclaimers and limits on liability
We work to keep this website accurate, secure and available, but it may sometimes contain errors or be unavailable. To the extent permitted by law, the website is provided “as is”, and we aren’t liable for losses arising from your use of it.
Nothing in these terms limits or excludes any right or remedy you have under consumer protection law, or any liability that cannot be limited by law.
13. Governing law
These terms are governed by the laws of [province] and the federal laws of Canada that apply there. If you are a consumer, you keep the protection of the laws of your home province and can bring a claim in its courts.
14. Language
These terms are available in English and French. [For Quebec residents, the French version is presented first and you may choose to receive these terms in English.]
15. Changes to these terms
We may update these terms. The new version applies from the effective date shown at the top. Changes don’t affect a loan agreement you have already signed.
16. General
If any part of these terms is found unenforceable, the rest stays in effect. Our failure to enforce a term isn’t a waiver of it.
17. Contact us
[phone] · [email] · [mailing address]