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Terms of Use

By using Focus Financial Inc. DBA Focus Cash Loans' Website, you agree to the Terms of Use set forth below. You are also consenting to how we use cookies according to our Cookies Policy under our Privacy Policy. These Terms and Conditions of Use constitute a legal contract between you and Focus Cash Loans and cover all aspects of your use of the Website focuscashloans.ca, including all of its pages, and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service we may provide you. By accessing our Website and any of its pages, you agree to be bound by the terms and conditions of use stated below. If you do not agree to these terms and conditions of use, you must leave the Website now. If at any time you do not agree with any of these terms and conditions of use, you must immediately cease your use of the Website.
Focus Cash Loans, strictly specializes in providing payday loans. While references to other types of lending may appear on their platform, these are solely for informational purposes. The company does not offer any other loan products beyond payday loans, ensuring a dedicated and streamlined service in this specific area of short-term, high-interest credit solutions.

Focus Cash Loans, in its operations of providing payday loans, adheres to specific practices regarding credit reporting. Borrowers need to understand these practices as they relate to their credit history and scores.

Reporting of Repaid Loans:

Focus Cash Loans does not report the repayment of payday loans to credit bureaus. Therefore, even timely and full repayment of a payday loan obtained from Focus Cash Loans will not contribute to improving a borrower's credit score. This non-reporting policy applies uniformly to all customers who repay their loans as agreed.

Reporting of Delinquent Loans:

Conversely, Focus Cash Loans reserves the right to report delinquencies. If a loan remains unpaid beyond the agreed-upon terms, such delinquency may be reported to credit bureaus. This reporting can negatively impact the borrower's credit score. It is a standard practice meant to inform credit bureaus of a borrower’s failure to meet the repayment terms of their loan. This approach to credit reporting underscores the importance of understanding the implications of borrowing and the responsibility of repayment.

Focus Cash Loans reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Website after such modification constitutes your acceptance of and agreement to any new or amended terms.
You agree that clicking “Apply Now” (or other such button presented to you to submit your loan request) acts as your electronic signature. You further consent that we can communicate with you electronically and that any required disclosures may be provided to you electronically. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.
By providing Focus Cash Loans with your email address, you agree to receive transactional and promotional emails related to payday loans from Focus Cash Loans. You may opt-out of future email marketing messages by emailing support@focuscashloans.ca and including “unsubscribe” in the subject line.
We provide the Website to those individuals and entities located in Canada. It is not directed to any person or entity in any jurisdiction outside of Canada. Those who choose to access this Website from other locations do so at their own risk and are responsible for compliance with applicable local laws.
If you submit a loan application to us, we will receive and process it in the Province of British Columbia, Vancouver the same as if you submitted it to us in person at our office in Vancouver, BC, unless stated otherwise in your loan agreement. If we approve your application, the funds will be transferred from out bank account in Vancouver, BC, unless stated otherwise in your loan agreement. All aspects and transactions on this site will be deemed to have taken place in our office in the province of British Columbia, regardless of where you may be accessing this site, unless stated otherwise in your loan agreement. These Terms of Use shall be governed in all respects by the laws of the Province of British Columbia, Canada, without reference to its choice of law rules. 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.
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Website is the intellectual property of Focus Cash Loans, its licensees, or other third parties who have authorized use of such properties on the Website. You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. Focus Cash Loans reserves all other rights in this Website and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials or content without Focus Cash Loans' prior written consent. Nothing contained on this Website should be construed as conferring any right or license to any trademark, copyright or other intellectual property right.
Focus Cash Loans uses reasonable efforts to ensure that the information on this Website is accurate but accuracy is not guaranteed. Focus Cash Loans makes no representations regarding your use of this Website or results that you may or may not obtain through such use. NEITHER Focus Cash Loans NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS WEBSITE. EVERYTHING ON THIS WEBSITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.
This Website may contain links to websites maintained by third parties. Focus Cash Loans is not responsible for the content or privacy policies of third party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered or any third parties associated with those websites.
Focus Cash Loans’ Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Website. The Privacy Policy sets out your rights and Focus Cash Loans' responsibilities regarding your personal information. Focus Cash Loans will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. Focus Cash Loans reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Website signifies your acceptance of such modifications.
Focus Cash Loans uses secure technology to protect your personal information. Although Focus Cash Loans takes reasonable measures to secure your personal information submitted through this Website, Focus Cash Loans cannot guarantee that your information will not be intercepted or decrypted by others. So long as Focus Cash Loans uses reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.

You agree to defend, indemnify, and hold Focus Cash Loans, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms of Use.

By using the Website, you understand and agree that Focus Cash Loans in its sole discretion and without prior notice may terminate your access to this Website and to any services offered, if you breach these Terms of Use or the Privacy Policy. Focus Cash Loans might use the following means to terminate your access: block your IP, contact your internet provider, bring an action in court for breaches of contract, remove any content that you may have provided/generated.
Except for any action, that seeks equitable relief (including without limitation to the purpose of protecting any Focus Cash Loans' and its subsidiary websites, confidential information and/or intellectual property rights), any controversy or claim arising out of or relating to these Terms of Use or the Website shall be settled by binding arbitration in accordance with the provisions, in effect at the time the proceedings begin, of the Commercial Arbitration Act, R.S.C., 1985, c. 17 (2nd Supp.) as amended or replaced. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in the province of British Columbia. All information relating to or disclosed by any party in connection to the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Either party or their respective representatives shall not disclose such information without the prior written authorization of the party furnishing such information. The arbitrator shall not disclose such information without the prior written authorization of both parties. Each party shall bear the burden of its own counsel fees incurred in connection to any arbitration proceedings. Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator's decision and any award contained therein.
As a registered USER, you may have other agreements with Focus Cash Loans. Those agreements are separate and distinct and are in addition to these Terms of Use. These Terms of Use do not modify, revise or amend the terms of any other agreements you may have with Focus Cash Loans and its subsidiary websites. If any of these Terms of Use is determined to be unlawful, the validity of the rest of the Terms of Use will remain valid.

Company name: Focus Financial Inc. DBA Focus Cash Loans
Address: 3333 Kingsway, Vancouver, BC Canada V5R 5K6
Email Address: support@focuscashloans.ca

INFORMATION FOR ISPs:

Website: www.focuscashloans.ca
Company name: Focus Financial Inc. DBA Focus Cash Loans
Email Address: support@focuscashloans.ca

Notice and Take Down Procedures

If you believe any materials accessible on or from the Website infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Website by contacting our copyright agent (identified below) and providing the following information:

Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (for example, the URL) of an authorized version of the work.
Identification of the material that you believe to be infringing and its location. Please describe the material, and provide a URL or any other pertinent information that will allow location of the material.
Your name, address, telephone number and email address.
A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner, its agent, or the law.
A statement that your submission is accurate and that “under penalty of perjury” you are the copyright owner or the owner’s authorized agent.
A signature or the electronic equivalent from the copyright holder or authorized agent.
Send the above information to:

Focus Financial Inc.
3333 Kingsway, Vancouver, BC Canada V5R 5K6
Email Address: support@focuscashloans.ca

For all email submissions, please include the subject line: DMCA Takedown Request.

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[Alberta Residents: Maximum charges permitted in Alberta for a payday loan: $15.00 per $100.00 lent. We charge: $15.00 per $100.00 lent. For a $300.00 loan for 14 days: Total cost of borrowing = $45.00. Annual Percentage Rate = 391.07%. This information meets the requirements of the Consumer Protection Act. Payday loans are a form of high-cost credit. Payday Loans Business Licence number: 327008] [British Columbia Residents: Maximum charges permitted in BC for a payday loan: 15% of the principal. We charge: 15% of the principal. For a $300.00 loan for 14 days: Total cost of borrowing = $45.00. Total to be repaid = $351.00. Annual Percentage Rate = 391.07% This information meets the requirements of the Business Practices and Consumer Protection Act. Licence Number 50034] [Ontario Residents: Maximum Allowable Cost per $100.00 Borrowed: $15.00. Our Cost per $100.00 Borrowed: $15.00. Example: Your $500 loan for 14 days Your $500.00 loan for 14 days. Amount Advanced: $500.00 Total Cost of Borrowing: $75.00 APR: 391.07% Total You Repay: $575.00 This poster is required under the Payday Loans Act, 2008 Licence Number 4716299]

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