Terms & ConditionsHow Ahsk works and what you need to know
Ahsk is a referral and information service that connects you with payday loan lenders across Canada. These terms explain how our website operates, your responsibilities, and our limitations.
Applying is free and does not affect your credit score.
What We Are
It's important to understand exactly what Ahsk does and does not do.
Ahsk is a referral and information platform operated in Canada. We are not a lender, credit provider, or financial institution. We do not approve loans, set interest rates, or disburse funds.
Our role is to collect your information through our online form and share it with our network of licensed payday loan lenders. Those lenders then contact you directly to discuss terms, fees, and eligibility.
Any loan agreement, interest rate, fees, or repayment terms are set solely by the lender you choose to work with. Ahsk is not party to those agreements and does not guarantee any specific terms or approval.
Terms of Use
By visiting Ahsk and using our referral service, you agree to these terms.
- You must be at least 18 years old and a Canadian resident.
- You must provide accurate, truthful information in our online form. Providing false information may result in your application being rejected by lenders.
- You are responsible for all information you submit. Ahsk is not liable for errors, omissions, or inaccuracies you provide.
- Your use of this website must be lawful. You agree not to use Ahsk for fraud, illegal activity, or to harass lenders or staff.
- Ahsk reserves the right to refuse service or remove your information from our system at any time without cause.
- This website and all content are provided 'as is' without warranty. Ahsk makes no guarantees about availability, accuracy, or fitness for any particular purpose.
How Our Referral Service Works
Understanding the steps helps you know what to expect.
You Submit Your Information
You complete our online form with personal and financial details. You authorize us to share this information with our lender network.
We Refer You to Lenders
We send your information to one or more lenders in our network who may be able to help. You are not obligated to work with any lender.
Lenders Contact You Directly
Lenders review your information and may contact you by phone or email to discuss loan options, terms, and fees.
You Decide
You choose whether to proceed with a lender's offer. Any loan agreement is between you and the lender, not Ahsk.
Data Protection
We take your privacy seriously. Here's how we handle your information.
When you submit information through our website, you give Ahsk permission to share it with our network of licensed payday lenders. Lenders use this information to assess your eligibility and contact you about loan options.
Ahsk does not sell your information to third parties outside our lender network. We use industry-standard security measures to protect your data, though no online transmission is completely secure.
Lenders may contact you multiple times. If you do not wish to be contacted, inform the lender directly. Your use of Ahsk means you consent to being contacted by lenders about loan options.
For detailed information about how we collect, use, and protect your personal information, please review our Privacy Policy.
What Ahsk Is Not Responsible For
Understanding our limitations protects both of us.
- Ahsk does not approve, deny, or guarantee any loan. All lending decisions are made by individual lenders.
- We do not set interest rates, fees, or repayment terms. These are determined by the lender you choose.
- We are not responsible for lender conduct, loan terms, or any disputes between you and a lender.
- Payday loans are short-term, high-cost credit products. Ahsk is not responsible for your decision to borrow or any financial consequences.
- We do not provide financial, legal, or credit advice. If you need guidance, consult a qualified financial advisor or credit counsellor.
- Ahsk is not liable for website downtime, data loss, or errors caused by circumstances beyond our control.
- By using Ahsk, you assume all risk associated with borrowing and agree to hold Ahsk harmless from any claims or damages.
Payday Loans Are Short-Term Credit
Payday loans are designed for short-term financial needs, not long-term solutions.
Payday loans typically carry high interest rates and fees. Before borrowing, ensure you understand the full cost and can repay on time.
Only borrow what you need and can afford to repay. Borrowing more than necessary or rolling over loans can lead to a cycle of debt.
If you are struggling with debt or credit, consider speaking with a non-profit credit counsellor. Many are available free of charge across Canada.
Ahsk encourages responsible borrowing. If you have concerns about your ability to repay, do not proceed with a loan application.
Updates to These Terms
Ahsk may update these terms at any time.
We will post changes to this page. Your continued use of Ahsk after changes are posted means you accept the updated terms.
If you have a complaint or dispute regarding Ahsk's service, please contact us directly. We will make a reasonable effort to resolve the issue.
Disputes with lenders must be resolved directly with the lender. Ahsk is not a party to loan agreements and cannot mediate lender disputes.
These terms are governed by the laws of Canada and the province in which you reside. You agree to submit to the jurisdiction of Canadian courts.
Frequently asked questions
Is Ahsk a lender?
What happens when I submit my information?
Can Ahsk guarantee I'll be approved for a loan?
Who sets the interest rate and fees?
Is my information secure?
What if I have a complaint about a lender?
Can I get financial advice from Ahsk?
What if I change my mind after submitting my information?
Questions About Our Terms?
If you have questions about these terms or how Ahsk works, please contact us. We're happy to clarify. By proceeding with Ahsk, you confirm you have read and agree to these terms and conditions.