The information provided on Flexinest is for general informational and educational purposes only. By using this website, you acknowledge and agree to the terms outlined in this Disclaimer.
1. Not a Lender
Flexinest is not a loan broker, or direct lender.
We do not:
Issue loans
Make credit decisions
Set interest rates or fees
Approve or decline applications
Collect loan repayments
Flexinest operates as an affiliate marketing and referral platform. When you submit information through our website, it may be securely shared with independent third-party lenders or financial service providers.
All loan terms, approvals, fees, repayment schedules, and funding timelines are determined solely by the lender.
2. No Guarantee of Approval
Submitting a request through Flexinest does not guarantee loan approval.
Approval decisions are made independently by lenders based on their internal underwriting criteria, which may include income verification, identity confirmation, banking history, and credit review.
Flexinest does not influence or override lender decisions.
3. No Financial or Legal Advice
Content published on Flexinest is intended for informational purposes only.
Nothing on this website constitutes:
Financial advice
Legal advice
Investment advice
Credit counselling
Users should consult a qualified financial professional, legal advisor, or licensed credit counsellor before making financial decisions.
4. Affiliate Compensation Disclosure
Flexinest may receive compensation from third-party lenders or service providers if a user is successfully matched and funded.
Compensation does not increase the cost of the loan to the borrower. However, it may influence which lenders appear on our platform.
We aim to present accurate and balanced information regardless of compensation arrangements.
5. Provincial Regulation Notice
Payday loans and short-term lending products in Canada are regulated at the provincial level.
For example, in Ontario, lenders may charge up to fifteen dollars per one hundred dollars borrowed, as permitted by provincial legislation.
Borrowers are responsible for reviewing and understanding the regulations applicable in their province before accepting a loan agreement.
6. Accuracy of Information
While we strive to ensure the accuracy of information on this website, financial regulations, lender policies, and product terms may change without notice.
Flexinest does not warrant that:
All information is current or complete
All lender offers remain available
All regulatory summaries reflect the most recent legislative updates
Users should verify all terms directly with the lender before entering into any agreement.
7. Responsible Borrowing Warning
Short-term loans are designed for temporary financial needs and are not intended for long-term financial management.
Failure to repay a loan on time may result in:
Additional fees
Collection activity
Negative credit reporting
Users should carefully assess their ability to repay before accepting any loan.
8. Third-Party Websites
Flexinest may link to third-party websites, including lending partners.
We are not responsible for:
Third-party content
Privacy practices
Security measures
Loan agreements
Once you leave our website, you are subject to the terms and policies of the external site.
9. Limitation of Liability
To the fullest extent permitted by law, Flexinest shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
Use of this website
Reliance on website information
Loan agreements entered with third-party lenders
Technical errors or service interruptions
Use of this website is at your own discretion and risk.
10. Changes to This Disclaimer
Flexinest reserves the right to update or modify this Disclaimer at any time without prior notice.
The effective date listed above reflects the most recent revision.
Continued use of the website constitutes acceptance of any changes.
11. Contact Information
If you have questions regarding this Disclaimer, you may contact us through: