LendX Marketplace — Investor Platform | Peer-to-Peer Lending Canada

📄 P2P Loan Investment Agreement

Read the full agreement below, then e-sign to confirm your investment.

MX-…

1. Parties

This Peer-to-Peer Loan Investment Agreement (the "Agreement") is entered into between:

Platform Operator	LendX Financial Inc., a federally incorporated Canadian corporation operating a peer-to-peer lending marketplace.
Investor	—
Borrower Reference	—
Match ID	—
Agreement Date	—

2. Investment Terms

Loan Amount (Total)	—
Investor Contribution	—
Annual Interest Rate	—
Term	—
Risk Grade	—
Projected Investor Return	—
Maturity Date	—

3. Nature of the Agreement

This Agreement is a participation agreement. The Investor is not making a loan directly to the borrower. LendX Financial Inc. issues the loan to the borrower, and the Investor participates in the economic outcome of the loan by providing capital to LendX for deployment. The Investor holds a contractual right to receive returns as specified herein, subject to borrower repayment.

This Agreement does not constitute a security or investment contract regulated by provincial securities legislation. All marketplace transactions are subject to LendX's operational policies and regulatory compliance framework.

4. Investor Representations & Warranties

The Investor hereby represents and warrants that:

(a) They are a Canadian resident aged 18 or older (or the age of majority in their province);

(b) They have read and understood the full terms of this Agreement;

(d) They have not relied on any representation made by LendX beyond this Agreement;

(e) They have the legal capacity and authority to enter into this Agreement.

5. Fees & Platform Charges

LendX Financial Inc. charges the following fees which are deducted from borrower payments before investor disbursements:

Origination Fee	2% – 5% of the loan amount (charged to borrower at origination)
Servicing Fee	1% – 3% per annum of outstanding principal (deducted from repayments)
Collections Fee	Applied only on delinquent accounts; handled by NEO Legal Services PC

The projected return displayed in Section 2 reflects the Investor's net return after platform fees.

6. Collections & Default

In the event of borrower default, LendX Financial Inc. will engage NEO Legal Services Professional Corporation (Mo Farooqui, LSO #P21785) to pursue collections on behalf of platform participants. Collections fees will be applied to recovered amounts before distribution. LendX makes no guarantee of full recovery in the event of default.

7. Payment Disbursement

Upon maturity or repayment of the underlying loan, LendX will disburse the Investor's principal plus accrued return via Electronic Funds Transfer (EFT) to the Investor's registered bank account on file, within five (5) business days of receipt of borrower repayment.

8. Data & Privacy

This Agreement and all associated personal information is processed in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). The Investor's name and email address are used solely for the purpose of administering this investment. LendX will not sell or disclose Investor data to third parties without consent, except as required by law.

9. Electronic Signature

The Investor agrees that their typed full legal name entered below constitutes a valid and binding electronic signature under the Electronic Commerce Act, 2000 (Ontario) and applicable federal electronic signature legislation. This Agreement is enforceable in the same manner as a wet-ink signature.

10. Regulatory Notice

The LendX P2P marketplace operates in compliance with applicable Canadian federal and provincial law. Full investor participation is subject to eligibility requirements and a signed investor agreement. LendX Financial Inc. is committed to compliance with all applicable securities and lending regulations.

11. Governing Law & Dispute Resolution

This Agreement is governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes arising under this Agreement shall be resolved before the courts of Ontario. The parties waive any objection to jurisdiction or venue in Ontario courts.

12. Entire Agreement

This Agreement, together with LendX's Terms of Service and Privacy Policy, constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior representations and agreements.

E-Signature — Type your full legal name to sign Your typed name constitutes a binding electronic signature under Ontario's Electronic Commerce Act, 2000.

I have read this entire Agreement, I understand its terms, and I agree that my typed name above constitutes a legally binding electronic signature. I understand this investment involves risk of loss.

Investing involves risk of loss of principal. Returns are projected estimates and not guaranteed. Funds transferred via EFT.

✅

Agreement Signed!

Your investment agreement has been signed and recorded. You can download a copy of your signed agreement as a PDF.

Match ID—

Investor—

Investment—

Projected Return—

Maturity—

Signed—

Signed At—

⚖️ Important Disclosure & Consent — Required Before Proceeding

Please read and agree to the following disclosures as required under Canadian federal and provincial law.

1. Platform Status & Regulatory Disclosure

LendX Financial Inc. ("LendX") operates a peer-to-peer lending marketplace in Canada. Participation as an investor is subject to eligibility requirements, provincial securities legislation, and execution of a formal investor agreement. This platform does not constitute a prospectus, offering memorandum, or solicitation to invest.

2. Privacy & Consent to Collect Personal Information (PIPEDA)

By creating an account, you expressly consent to LendX Financial Inc. collecting, using, and disclosing your personal information for the following purposes under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation:

Account creation, identity verification, and KYC/AML compliance
Communicating with you about your account, platform updates, and regulatory matters
Fraud prevention, security monitoring, and legal compliance
Statistical and aggregated platform analytics (non-identifying)

Your information will not be sold to third parties for marketing purposes. You may withdraw consent or request access/correction at any time by contacting privacy@lendxfinancial.com. See our full Privacy Policy for details.

3. Electronic Communications Consent (CASL)

By registering, you provide express consent under Canada's Anti-Spam Legislation (CASL) to receive transactional and account-related electronic communications from LendX Financial Inc. You may opt out of promotional messages at any time via the unsubscribe link in any email.

4. Investor Eligibility & Risk Disclosure

Access to investment opportunities through this platform is restricted to eligible Canadian investors as defined under applicable securities legislation (including accredited investor and eligible investor categories). Investing in loans involves risk, including risk of partial or total loss of principal. Past performance is not indicative of future returns. Investments made through the LendX marketplace are not covered by CDIC deposit insurance.

5. Identity Verification (KYC/AML)

To comply with Canada's Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and FINTRAC guidelines, LendX is required to verify the identity of all account holders. By creating an account, you agree to provide accurate identifying information and consent to identity verification procedures.

6. No Guarantee of Returns

Any projected returns, interest rates, or yield figures displayed on this platform are estimates based on historical data and are not guaranteed. Actual returns may differ materially. LendX does not provide financial, tax, or investment advice. Consult a qualified financial advisor before making investment decisions.

7. Jurisdiction & Governing Law

This platform and all services are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes are subject to the exclusive jurisdiction of Ontario courts, unless otherwise required by applicable provincial legislation in your province of residence.

8. Age & Residency Requirement

You must be at least 18 years of age (or the age of majority in your province) and a Canadian resident to create an account. By proceeding, you confirm you meet these requirements.

↑ Please scroll through the full disclosure above ↑

I have read, understood, and agree to the disclosures above. I confirm I am a Canadian resident aged 18 or older and consent to the collection and use of my personal information as described, in accordance with PIPEDA and applicable provincial law.

Invest in Canadian
Peer-to-Peer Loans

Good morning, Alex 👋

Notifications