Disclaimer

1. What This Disclaimer Covers

This Disclaimer explains the limits of the service FiveSix provides and the information published on this website. It applies to everyone who visits fivesix.ca, submits a request, or relies on any content we publish. Please read it before you use the site.

By using FiveSix you accept this Disclaimer, along with our Terms of Use and Privacy Policy.

2. We Are a Referral Service, Not a Lender

FiveSix introduces borrowers to licensed third-party lenders. We do not lend money, advance funds, set interest rates or fees, make credit decisions, or determine the terms of any loan. Every loan is a separate agreement between you and the lender, governed by that lender's own terms.

We do not endorse, recommend, or guarantee any particular lender, product, amount, or rate. A match through our network is an introduction, not an offer or approval.

3. Not Financial, Legal, or Insolvency Advice

The content on this website — including guides, articles, provincial summaries, calculators, and examples — is general information only. It is not financial, legal, tax, or insolvency advice, and it does not create any advisory relationship.

FiveSix is not a Licensed Insolvency Trustee and does not administer bankruptcies or consumer proposals. Before making any decision about debt, credit, or an insolvency process, consult a qualified professional — a Licensed Insolvency Trustee, a non-profit credit counsellor, or a lawyer — about your own circumstances.

4. Borrowing During or After a Bankruptcy

If your bankruptcy is still active, you should tell your trustee before taking on any new credit. You are also required to disclose your undischarged status to a lender before obtaining credit above the threshold set out in the Bankruptcy and Insolvency Act, and taking credit without doing so may be an offence.

A discharge releases most unsecured debts, but some obligations survive — including secured debts unless the asset is surrendered, family support, court-ordered fines, and student loans that do not yet meet the discharge criteria. Nothing on this site overrides those rules.

Any reference to an amount, timeline, or outcome is illustrative. Your situation is decided by your lender, your trustee, and the law that applies where you live.

5. Approval Is Never Guaranteed

Submitting a request through FiveSix does not guarantee approval, and it does not commit you to anything. Whether you are approved — and for what amount, at what cost, and on what terms — is determined solely by the lenders in our network, each applying its own criteria.

6. The Cost of Borrowing

Short-term and private credit is high-cost borrowing. It is designed for short-term needs and is not a long-term financial solution nor a way to clear existing debt.

Maximum costs depend on the product and the province: payday-style lending is capped by provincial and territorial rules, while private installment and auto lending fall under the federal criminal interest rate of 35% APR (Criminal Code s. 347).

By way of illustration, a fee of $15 per $100 borrowed on a two-week loan equates to a very high annual percentage rate — the brevity of the term is what drives the percentage up. Before signing, always review the total dollar cost, the annual percentage rate, and the repayment date in your loan agreement, and confirm the repayment fits comfortably within your budget.

7. Credit Checks and Your Credit File

Submitting a request to FiveSix uses a soft credit check, which does not affect your credit score. Individual lenders may run their own check — including a hard check — before confirming an offer, and that may be recorded on your credit file.

Repeated applications in a short period can affect how lenders view your file. We recommend comparing your options, then applying only where the product genuinely fits your need.

8. Third-Party Lenders and External Links

Lenders in our network are independent businesses. We are not responsible for their actions, decisions, terms, fees, privacy practices, or customer service. Once we introduce you, the relationship is between you and the lender.

This website may link to external sites we do not control. Those links are provided for convenience only and do not imply endorsement of their content, products, or practices.

9. Accuracy and Provincial Variation

Regulations, fee caps, and lending practices change and differ across every province and territory. While we work to keep our content accurate and current, figures and summaries are illustrative and may not reflect the latest rules in your region.

Always confirm the specifics with your lender and with the regulator for your province or territory before you rely on them. If you spot something that looks out of date, please let us know through the Contact page.

10. Borrow Responsibly — and Where to Get Free Help

Borrow only what you can repay on schedule, and never take on new credit to service existing debt. If you are already insolvent, adding another loan rarely closes the underlying gap and can make your position worse.

Free, impartial help is available across Canada. You can speak with a Licensed Insolvency Trustee about a consumer proposal or bankruptcy, contact a non-profit credit counselling agency for budgeting and debt guidance, or reach the Office of the Superintendent of Bankruptcy. Your province's consumer-protection office can also help.

11. Limitation of Liability

To the fullest extent permitted by law, FiveSix is not liable for any loss, cost, or damage arising from your use of this website, from reliance on its content, or from any loan you obtain from a third-party lender. You use the service and act on the information it provides at your own risk.