Last Updated: January 19, 2026
Welcome to the 22Cred Platform, a digital credit information and facilitation platform operated by 22Cred Inc., a corporation incorporated under the laws of Canada (“Company,” “we,” “us,” or “our”).
22Cred exists to provide a technology-driven interface through which individuals may explore, request, compare, and be connected to potential credit opportunities, loan products, and third-party financial service providers, including independent lenders and financing partners.
22Cred is not itself a bank, authorised deposit-taking institution, licensed lender, credit provider, financial adviser, broker, or insurer. We do not issue loans, extend credit, determine interest rates, approve applications, or guarantee funding outcomes. Our role is strictly limited to that of a neutral digital facilitator and informational platform.
These Terms and Conditions of Use (“Agreement”) constitute a legally binding and enforceable contract between you (“User”) and 22Cred Inc.
By accessing, browsing, registering, submitting loan or credit enquiries, uploading personal or financial information, clicking any button indicating acceptance, or otherwise using the platform located at 22cred.com (the “Platform”), you irrevocably and unconditionally agree to be bound by this Agreement in its entirety.
This Agreement has the same legal force and effect as a written contract executed with a physical signature.
If you do not agree to these terms, your sole and exclusive remedy is to immediately cease all use of the Platform.
You represent and warrant that you:
Are at least 18 years of age
Possess full legal capacity under Canadian law
Are not prohibited from entering into binding contracts
If acting on behalf of a business or legal entity, you warrant that you have full authority to bind that entity to this Agreement.
This Agreement is an electronic contract formed in accordance with applicable Canadian electronic commerce and electronic transactions laws. Any electronic action signifying consent constitutes your legal signature.
Company: 22Cred Inc., its affiliates, officers, directors, contractors, successors, and assigns
Platform: 22cred.com and all related systems, software, APIs, dashboards, and communications
Services: Digital facilitation of credit enquiries, loan-related information, and connections with third-party lenders
Lender-Partner: Any independent third-party lender, financier, or credit provider
Credit Opportunity: Any potential loan, financing, or credit product offered by a third party
User: Any individual or entity accessing or interacting with the Platform
Content: All text, data, estimates, calculators, illustrative figures, AI-generated content, and third-party information
You acknowledge that 22Cred is a neutral digital intermediary only.
We:
Do not provide loans or credit
Do not approve or decline applications
Do not set interest rates, fees, or repayment terms
Do not guarantee funding, approval, or outcomes
All credit products are provided exclusively by third-party lenders.
22Cred is NOT:
A bank or authorised deposit-taking institution
A licensed credit provider or credit representative
A financial adviser or broker
A guarantor or insurer
Any use of terms such as “loan,” “borrow,” “credit,” or “funding” is descriptive only and does not imply that the Company is providing regulated financial services.
Nothing in this Agreement creates an agency, partnership, joint venture, fiduciary, or employment relationship between the Company and any User or Lender-Partner.
22Cred makes no representations or guarantees regarding:
Loan approval
Creditworthiness assessments
Interest rates or fees
Funding timelines
Rejection or acceptance outcomes
All credit decisions are made solely by third-party lenders.
You are solely responsible for providing complete, accurate, and lawful information.
You bear full liability for misrepresentation or omission.
You must not use the Platform to:
Submit false or misleading information
Attempt fraud or identity misrepresentation
Circumvent credit checks or eligibility requirements
You agree to comply with all applicable:
Canadian laws
Consumer credit regulations
Anti-fraud and identity laws
All repayment estimates or figures are illustrative only. Actual loan terms are determined solely by lenders.
22Cred is not responsible for payment failures, fees, or refund disputes handled by third-party processors.
THE PLATFORM AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
ALL WARRANTIES ARE DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY CANADIAN LAW.
We do not verify or guarantee third-party lender information.
AI-generated content is illustrative only and must be independently verified.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, 22CRED SHALL NOT BE LIABLE FOR financial loss, loan rejection, credit score impact, or indirect damages.
Total liability is limited to the lesser of:
CAD $20, or
Fees paid to 22Cred in the preceding three (3) months
You agree to indemnify and hold harmless 22Cred Inc. from claims arising from misrepresentation, disputes with lenders, or breach of this Agreement.
All platform systems, branding, and content are the exclusive property of 22Cred Inc.
All disputes shall be resolved through final and binding arbitration.
This Agreement is governed exclusively by the laws of Canada.
Arbitration shall be seated in Toronto, Ontario, Canada, conducted in English.
Users waive all rights to class or representative actions.
Severability
Entire Agreement
Force Majeure
Assignment
BY USING THE PLATFORM YOU CONFIRM THAT YOU:
Have read and understood this Agreement
Had the opportunity to seek legal advice
Accept all risks associated with seeking credit opportunities
