Terms and Conditions

By using Flexinest, agree to the following terms and conditions. Please read them carefully before accessing or using our website or services.

1. Eligibility

You must be:

At least 18 years old
A resident of Canada
In possession of a valid ID and an active bank account
Receiving a steady source of income (employment, benefits, or other)

2. Our Role

Flexinest is not a direct lender. We connect users with a network of licensed third-party lenders in Canada. All loan agreements are between you and the selected lender.

3. Loan Terms

Loan terms, including amounts, interest rates, repayment schedules, and fees, vary by lender and are clearly disclosed before you accept any offer. Read all loan documents carefully before proceeding.

4. Credit Checks

Some lenders may perform a credit check or use alternative credit scoring methods. Flexinest.ca does not make credit decisions.

5. Responsible Borrowing

We promote responsible lending and expect users to borrow only what they can afford to repay. Failure to repay may impact your credit score and lead to additional fees.

6. Privacy

Your information is handled securely in accordance with our Privacy Policy. We use encryption and never share your data without consent, except as required to process your application or as stated in our policy.

7. Limitation of Liability

Flexinest.ca is not responsible for any direct or indirect damages resulting from loan decisions, lender practices, or website usage. All financial agreements are solely between you and the lender.