TERMS & CONDITIONS
Introduction
These Website Standard Terms and Conditions (hereafter, “T&C”) written on this webpage is published by Fin-Boost. The T&C on this webpage shall manage your use of our website, Fin-Boost accessible at www.fin-boost.ca.
These Terms will be applied fully and affect to your use of this Website. By using this Website, you agreed to accept all terms and conditions written in here. You must not use this Website if you disagree with any of these Website Standard Terms and Conditions.
Minors or people below 18 years old are not permitted to use this Website.
Eligibility
You must be at least 18 years old to access and use the Sites. The Sites may contain technologies that restrict or limit their use (including restrictions based on location). The products and services offered through our Sites are only intended for access and use by people located in Alberta, Canada. We make no claims that the site or any of its content is accessible or appropriate outside of Alberta. If you access or use the Sites from outside Alberta, you do so on your own initiative and are responsible for compliance with local laws.
Intellectual Property Rights
Other than the content you own, under these Terms, Fin-Boost and/or its licensors own all the intellectual property rights and materials contained in this Website.
You are granted limited license only for purposes of viewing the material contained on this Website.
Restrictions
You are specifically restricted from all of the following:
publishing any Website material in any other media;
selling, sublicensing and/or otherwise commercializing any Website material;
publicly performing and/or showing any Website material;
using this Website in any way that is or may be damaging to this Website;
using this Website in any way that impacts user access to this Website;
using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
using this Website to engage in any advertising or marketing.
Certain areas of this Website are restricted from being accessed by you and Fin-Boost may further restrict access by you to any areas of this Website, at any time, in absolute discretion.
Your Content
In these Website Standard Terms and Conditions, “Your Content” shall mean any text, images or other material you choose to display on this Website. By displaying Your Content, you grant Fin-Boost a non-exclusive, worldwide irrevocable, sub licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.
Your Privacy
Please read our Privacy Policy.
No Warranties
This Website is provided “as is,” with all faults, and Fin-Boost express no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as advising you.
Limitation of Liability
In no event shall Fin-Boost, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract. Fin-Boost, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.
Indemnification
You hereby indemnify to the fullest extent Fin-Boost from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.
Severability
If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.
Variation of Terms
Fin-Boost is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis. Such modifications shall become effective immediately upon the posting thereof. You must review these terms of use on a regular basis to keep yourself up to date of any changes. You can find the most recent version at the top of these Terms.
Assignment
Fin-Boost is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.
Entire Agreement
These Terms constitute the entire agreement between Fin-Boost and you in relation to your use of this Website, and supersede all prior agreements and understandings.
Governing Law & Jurisdiction
These Terms will be governed by and interpreted in accordance with the laws of the Province of Alberta, depending on the users province of residence, and applicable federal laws Canada, without giving effect to any choice of law or conflict of law provision or rule. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.
Last Modified: March 2, 2026
PRIVACY POLICY
Loan Bridge Ltd., operating as Fin-Boost
www.fin-boost.ca; Effective: May 1, 2026; Last Updated: May 2026
1. About Us
This Privacy Policy applies to Loan Bridge Ltd., a corporation incorporated under the laws of the Province of Alberta, Canada (Corporate Access Number 2026250775), operating under the trade name Fin-Boost "we", "us", "our"). Our registered office is at 2100, 222-3rd Avenue SW, Calgary, Alberta, T2P 0B4, Canada.
We are a provincially licensed payday lender operating in Alberta under the Consumer Protection Act (Alberta) (Licence No. 357989). This Privacy Policy describes how we collect, use, retain, disclose, and protect your personal information in connection with our website at www.fin-boost.ca and our payday lending services.
By using our website or applying for a loan, you acknowledge that you have read and understood this Privacy Policy.
2. Applicable Legislation
We comply with all applicable Canadian privacy legislation, including:
• Personal Information Protection and Electronic Documents Act (Canada) (PIPEDA) — federal privacy law governing the collection, use, and disclosure of personal information in the course of commercial activities;
• Personal Information Protection Act (Alberta) (PIPA) — provincial privacy law applicable to our operations in Alberta;
• Canadian Anti-Spam Legislation (CASL) — governing commercial electronic messages;
• Consumer Protection Act (Alberta) — governing our payday lending activities and customer rights.
3. Personal Information We Collect
We collect only the personal information reasonably necessary to provide our services. This may include:
• Identity information: full name, date of birth, government-issued identification (such as a
driver’s licence or passport);
• Contact information: email address, phone number, mailing address;
• Employment and income information: employer name, employment status, income amount, pay frequency, and pay dates;
• Banking information: bank account number, transit number, bank statements, and related
banking data, collected directly from you or through a third-party bank account verification
service provider with your express consent. When you use a third-party bank account verification service, your online banking login credentials (such as passwords or PINs) are processed directly by that provider and are never shared with or stored on our servers. We receive only a read-only summary of your bank statements and account information;
• Social Insurance Number (SIN): collected only where required by law or for the purposes of identity verification and tax reporting;
• Credit information: credit report and credit score, obtained from credit bureaus with your
express consent;
• Transaction information: loan amounts, repayment history, pre-authorized debit records, and account activity;
• Location information: approximate location data (such as IP address or postal code) used to confirm your eligibility as an Alberta resident and to provide location-relevant services; you may opt out of location-based features through your browser or device settings;
• Technical information: IP address, browser type, device type, operating system, referring and exit pages, cookies, and website usage data. Technical information may also include device- specific identifiers to assist in fraud detection and identity theft prevention;
• Communications: records of emails, telephone calls, chat messages, and other correspondence with us.
Our services are intended for adults aged 18 years and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that we have collected personal information from a minor, we will take steps to delete such information promptly
4. Purpose of Collection and Use
We collect and use your personal information only for the following purposes, which are identified at or before the time of collection:
• Loan application processing: to evaluate your eligibility, verify your identity, assess
creditworthiness, and process your application;
• Identity verification and regulatory compliance: to comply with applicable federal and
provincial regulatory requirements relating to identity verification and anti-fraud measures;
• Loan administration: to manage your loan, process payments and pre-authorized debits, send repayment reminders, and administer your account;
• Customer communications: to respond to your inquiries, provide customer support, and send service-related notices;
• Legal and regulatory compliance: to comply with applicable laws, regulations, court orders, and licensing requirements;
• Fraud prevention and security: to detect, investigate, and prevent fraudulent, abusive, or illegal activity, and to protect the interests of our customers and our business;
• Service improvement: to analyze usage of our website and services using aggregated and
anonymized data, to improve our products and customer experience;
• Marketing: to send commercial electronic messages about our products and services, subject to your express consent and applicable requirements under CASL.
We may use automated decision-making systems and scoring algorithms to evaluate your
creditworthiness and process your loan application in real-time. If an application is rejected solely by an automated process, you have the right to request a manual review by contacting our support team.
We will not use your personal information for any other purpose without your additional consent, except as required or permitted by law.
Restriction under Consumer Protection Act (Alberta): Personal information collected in connection with a payday loan application or agreement may only be used or disclosed for the purpose of providing, administering, or collecting a payday loan. It may not be used or disclosed in connection with any other goods or services without your separate express consent.
5. Consent
We obtain your express or implied consent before or at the time of collecting your personal information.
The form of consent may be express (written or verbal confirmation) or implied (when the purpose is obvious from the context and a reasonable person would expect us to collect such information).
Express consent is required for: sharing your personal information with third-party service providers beyond what is strictly necessary to process your loan; sending marketing or promotional communications; obtaining your credit report; and any new use of your personal information not identified at the time of collection.
You may withdraw your consent at any time by contacting our Privacy Officer, subject to legal or contractual restrictions and reasonable notice. Withdrawal of consent may affect our ability to provide services to you. To unsubscribe from marketing communications, click the Unsubscribe link in any message we send you. We will process unsubscribe requests within 10 business days, as required by CASL.
6. Disclosure of Personal Information
We do not sell or rent your personal information to third parties. We may share your personal information only in the following circumstances:
• Domestic service providers: we may share your personal information with trusted Canadian third-party service providers who assist us in operating our business, such as bank account verification services, credit bureaus, payment processors, IT service providers, and customer support platforms. These providers are authorized to use your personal information only as necessary to provide their services to us and are bound by confidentiality agreements;
• International service providers and contractors: we may also share your personal information with service providers and contractors located outside of Canada who provide us with operational, technical, administrative, or support services. Where your personal information is transferred to a foreign jurisdiction, it may be subject to the laws of that jurisdiction, which may differ from Canadian privacy laws. Regardless of where your personal information is processed, Loan Bridge Ltd. remains accountable for its protection. We ensure that our foreign service providers are contractually obligated to provide a level of security comparable to that required under Alberta and Canadian law. By using our services, you acknowledge and consent to such transfers as described in this Privacy Policy;
• Legal requirements: we may disclose your personal information if required by law, regulation, court order, or a competent regulatory authority, or if we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others;
• Debt collection: we may share your information for the purpose of collecting amounts owed to us or repaying amounts owed to you, without your additional consent as permitted by applicable law. Any third-party debt collection agency engaged by us will be required to comply with the Collection and Debt Repayment Practices Regulation (Alberta) and applicable privacy legislation;
• Business transfers: in the event of a merger, acquisition, or sale of all or part of our business, your personal information may be transferred to the successor entity. We will notify you of any such change in ownership or use of your personal information, and you will have the opportunity to make choices regarding your information.
When your personal information is shared with third-party service providers or contractors, whether located in Canada or abroad, we require them to protect your personal information in a manner consistent with this Privacy Policy and applicable law. We do not permit third-party service providers or contractors to use your personal information for their own purposes.
7. Retention of Personal Information
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with our legal and regulatory obligations. We will retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.
When your personal information is no longer required, it is securely destroyed, erased, or anonymized.
Indicative retention periods:
• Loan application, identity verification, and loan agreement records: at least 3 years after the
loan is fully repaid, or 3 years after the date of default or the borrower’s last payment if the loan
is not repaid, as required by the Consumer Protection Act (Alberta);
• Collection activity records (letters, emails, call logs): at least 3 years after the loan is fully
repaid or after the date of default;
• Marketing consent records: 3 years from the date of consent or until consent is withdrawn;
• Website usage data and cookies: up to 12 months;
• Customer support communications: 3 years from the date of last communication.
8. Safeguards
We implement and maintain appropriate technical, physical, and organizational safeguards to protect your personal information against unauthorized access, use, disclosure, copying, modification, loss, or destruction. No method of transmission over the Internet or method of electronic storage is 100% secure, however, and we cannot guarantee absolute security.
Our safeguards include:
• Technical measures: SSL/TLS encryption for all data transmitted through our website;
encrypted storage of sensitive personal information; secure access controls and multi-factor authentication;
• Organizational measures: privacy and security training for all employees and contractors who handle personal information; contractual obligations requiring all service providers (domestic and foreign) to maintain equivalent privacy and security standards;
• Physical measures: restricted access to physical systems and records; secure disposal of physical documents.
If you have any questions about the security of your personal information, please contact our Privacy Officer.
9. Third-Party Websites and Links
Our website may contain links to other websites whose privacy practices may differ from ours. If you submit personal information to any of those websites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit. We are not responsible for the privacy practices of third-party websites.
10. Your Rights
Under PIPEDA and PIPA Alberta, you have the following rights with respect to your personal
information held by us:
• Right of access: you may request access to the personal information we hold about you. We will provide a response within 30 days of your request, or notify you of any extension of that period as permitted by law.
• Right to correction: if you believe that your personal information is inaccurate, incomplete, or out of date, you may request that we correct it. Where we correct your personal information, we will, where appropriate, notify third parties to whom the information has been disclosed.
• Right to withdraw consent: you may withdraw your consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions and reasonable notice.
• Right to challenge compliance: you may challenge our compliance with this Privacy Policy or applicable privacy legislation by contacting our Privacy Officer.
• Right to file a complaint: if you are not satisfied with our response to a privacy concern, you may file a complaint with the Office of the Privacy Commissioner of Canada (www.priv.gc.ca | 1-800-282-1376) or the Office of the Information and Privacy Commissioner of Alberta (www.oipc.ab.ca | 1-888-878-4044).
To exercise any of these rights, please contact our Privacy Officer using the contact information set out in Section 13 below. There is no charge for a request for access to your personal information, unless the request is unfounded or excessive.
11. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies (such as web beacons and pixel tags) to improve your experience, analyze usage, and support certain website functionality.
We use the following types of cookies:
• Essential cookies: required for the website to function properly and cannot be disabled;
• Analytics cookies: help us understand how visitors interact with our website. We use this data in
aggregated, anonymized form only;
• Functional cookies: remember your preferences and settings to improve your experience.
We may also use web beacons (single-pixel images) in emails to determine which emails have been opened and which links have been clicked, in order to gauge the effectiveness of our communications.
You can manage or disable non-essential cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. We do not use cookies to serve targeted advertising to third parties.
By continuing to use our website, you consent to our use of cookies as described in this policy.
12. Data Breach Notification
In the event of a data breach that creates a real risk of significant harm to individuals, we will:
• notify the Office of the Privacy Commissioner of Canada as soon as feasible after determining that a breach has occurred;
• notify affected individuals directly as soon as feasible, in a manner that allows them to take steps to protect themselves;
• maintain a record of all data breaches for a minimum of 24 months, regardless of whether
notification was required.
To report a suspected breach of your personal information, please contact us immediately using the contact information set out in Section 13 below.
13. Privacy Officer
We have designated a Privacy Officer who is accountable for our compliance with this Privacy Policy and applicable privacy legislation. The duties and responsibilities of the Privacy Officer have been assigned to and are carried out by the Director and President of Loan Bridge Ltd.
• Privacy Officer: Anton Sidenko, Director and President of Loan Bridge Ltd.
• Email: [_______________]
• Phone: [_______________]
• Mailing Address: 2100, 222-3rd Avenue SW, Calgary, Alberta, T2P 0B4, Canada
• Website: www.fin-boost.ca
14. Updates to this Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law.
We will post the updated policy on our website with a revised Last Updated date. If we make any material
changes, we will notify you by email (sent to the email address on file in your account) or by means of a prominent notice on our website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
Last Updated: May 2026
A COMMITTMENT TO RESPONSIBLE LENDING
At Fin-Boost, we believe in more than just offering payday loans—we prioritize responsible lending to ensure the well-being of our customers. In today’s fast-paced financial world, payday loans can provide quick access to cash in emergencies, but it’s vital to approach borrowing responsibly. That’s where we come in.
What is Responsible Lending?
Responsible lending ensures that payday loan providers like Fin-Boost assess the borrower’s financial situation carefully before approving any loan. This means we conduct a thorough evaluation to determine if a loan is suitable for the borrower’s income and capacity to repay without causing financial strain.
Why Choose Fin-Boost?
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Transparent Loan Terms: We provide clear, easy-to-understand loan terms with no hidden fees. Our goal is to ensure you know exactly what you’re agreeing to, promoting financial literacy and responsible borrowing.
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Flexible Repayment Options: At Fin-Boost, we offer flexible repayment plans to help borrowers avoid the cycle of debt. Our loans are designed to help you get back on track, not push you further into financial difficulty.
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Fast Approval Process: While our approval process is fast and efficient, we ensure that every loan is reviewed with a focus on responsible lending practices. We never approve loans without ensuring that the borrower can meet the repayment terms comfortably.
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Dedicated Customer Support: If you ever have questions about your loan or repayment options, our customer support team is here to assist. We are committed to helping you make informed decisions regarding your payday loan.
Avoid the Payday Loan Debt Trap
We educate our clients on the risks of borrowing irresponsibly. By choosing Fin-Boost, you're working with a company that cares about your financial health. We’re here to offer payday loans in a way that encourages sustainable, responsible lending.
Secure and Confidential
With Fin-Boost, you can trust that your information is secure. Our cutting-edge automated loan software not only speeds up the lending process but also ensures your data is handled safely and securely.
At Fin-Boost, we stand by the principle of responsible lending. Our mission is to offer fast, easy payday loans while ensuring borrowers have the tools and knowledge to manage their finances responsibly.
If you're in need of a payday loan, choose Fin-Boost—Alberta's trusted payday loan provider committed to responsible lending.
CONSENT TO ACCESS BANKING INFORMATION
1. Purpose of this consent
To process your payday loan application, Loan Bridge Ltd. (Fin-Boost) needs to verify your bank account information and income. To do this, we use Flinks Technology Inc. ("Flinks"), a secure third-party bank data service provider licensed to operate in Canada.
This consent is collected in accordance with the Personal Information Protection and Electronic Documents Act (Canada) (PIPEDA) and the Personal Information Protection Act (Alberta) (PIPA).
2. What you are consenting to
By providing your express consent below, you authorize:
- Loan Bridge Ltd. (Fin-Boost) to access, read, and retrieve, through Flinks Technology Inc., your bank account information, including account details, transaction history, and income data, for the purpose of evaluating your payday loan application;
- Flinks Technology Inc. to access your bank account on a read-only basis using your banking credentials, solely to retrieve the information required to process your application;
- The collection, use, and disclosure of your bank account data by Loan Bridge Ltd. and Flinks Technology Inc. for income and identity verification in connection with your payday loan application, in accordance with the Fin-Boost Privacy Policy and applicable Canadian privacy legislation.
3. Important information about data security
Your banking credentials are transmitted directly and securely to your financial institution through Flinks' encrypted connection. Loan Bridge Ltd. does not store your online banking username or password.
Access is read-only — no transactions can be initiated on your behalf.
Your data will not be sold or shared with third parties for any purpose other than evaluating your loan application.
Flinks Technology Inc. is SOC 2 Type II certified and stores data on Canadian servers.
Flinks Technology Inc. is a data processor acting on behalf of Loan Bridge Ltd. and processes your data only for the purpose of fulfilling your loan application request.
4. Relationship between you, Loan Bridge Ltd., and Flinks
Loan Bridge Ltd. acts independently in providing you with its loan services, and Flinks Technology Inc. has no responsibility or liability whatsoever with respect to those services.
Once your bank account data has been retrieved and provided to Loan Bridge Ltd., Flinks Technology Inc. is not responsible or liable for any subsequent use, processing, or disclosure of that data by Loan Bridge Ltd., or for any unauthorized access, use, or disclosure of that data while it is in the possession or control of Loan Bridge Ltd.
The bank account data retrieved through Flinks does not represent an official record of your bank account. For your official account records, please refer directly to your financial institution. By providing your consent, you agree that any claim relating to the retrieval, use, or disclosure of your bank account data must be brought directly against Loan Bridge Ltd. (Fin-Boost), and you waive any right to bring such a claim against Flinks Technology Inc.
You may withdraw your consent and discontinue use of this verification service at any time prior to submission of your application by contacting Loan Bridge Ltd.