Ontario Payday Loan Regulations & Licensing

Focus Financial Inc. is a licensed lender in the province of Ontario.
Licence # 4716299 Expiry date: 2010-06-29
For full information on the Payday Loans Act, 2008 including the Ontario Payday Lending Education Fund, visit the Consumer Protection Branch website at http://www.sbe.gov.on.ca
Or to contact by regular mail:
Registrar, Payday Loans Act, 2008
Consumer Protection Branch
5775 Yonge Street, Suite 1500
Toronto, ON M7A 2E5
Tel: 416-326-8800
Toll Free: 1-800-889-9768
Fax: 416-326-8665
Email: consumer@ontario.ca

YOUR CANCELLATION RIGHTS UNDER THE PAYDAY LOANS ACT, 2008
If you are provided with the loan and a copy of this Agreement that complies with the Act when you enter into the Agreement, you may cancel the Agreement within two (2) business days of entering into it. For remote payday loan agreements*, you may cancel the Agreement within two (2) business days of entering into the Agreement and you are provided with a copy of this Agreement that complies with the Act when you enter into the Agreement. You do not have to give a reason for canceling the Agreement.

If you are not provided with the loan or with a copy of this Agreement that complies with the Act when you enter into the Agreement, you may cancel the Agreement at any time. For remote payday loan Agreements, you may cancel the Agreement at any time if you are not provided with the loan within one hour of entering into the Agreement or if you are not provided with a copy of this Agreement that complies with the Act when you enter into the Agreement. You do not have to give a reason for canceling the Agreement.

To cancel the Agreement, you must provide your notice of cancellation, together with the amount you borrowed, to the business you dealt with to get your loan. If you have made any payments under the loan, the lender must return those payments to you at the earliest reasonable opportunity.

*A remote payday loan Agreement is one in which the Borrower is not present with the Lender or the Loan Broker when the Payday Loan Agreement is made (e.g. a loan made over the internet or by phone)