Welcome,
These Terms of Use govern your credit application. By submitting an application, you agree to these terms. Please read them carefully.
Application Process and Approval
- Your application will only be reviewed if you accept these Terms of Use.
- Acceptance of these terms does not guarantee credit approval.
- The lending company reserves the sole right to approve or deny any application and to deactivate any credit account at any time, without liability.
- These Terms of Use supplement any other existing agreements between you and the lending company and remain in effect throughout your credit relationship.
Eligibility Requirements : To apply for credit, you must:
- Be at least 18 years old and legally competent.
- Use the credit application for lawful purposes only, excluding any illegal, prohibited, fraudulent, or bad-faith activities.
- Provide accurate and complete identification.
- Not impersonate any other person.
- Not have been previously denied or deactivated by the lending company within the past 30 days.
Information Collection and Usage
- To process your application, the lending company will collect and verify your personal information.
- This includes application details, communications, and any other information you provide through the website or direct contact.
- You consent to the collection and use of this information for application processing, data analysis, and related business purposes.
- Your data may be shared with affiliates, service providers, and related businesses for these purposes and may be retained indefinitely.
- Data may be shared with public or legal authorities when compelled by law or court order.
Governing Law and Dispute Resolution
- The lending company operates in Ontario, Canada, and all credit application decisions are deemed to occur within Ontario.
- Any disputes arising from your credit application will be governed by the laws of Ontario and Canada.
- You agree to the exclusive jurisdiction of the courts in the Judicial District of Montreal, Province of Ontario, Canada.
Changes to These Terms
- The lending company may modify these Terms of Use at any time.
- You will be notified of any changes and given the opportunity to review them before they take effect.
- Continued use of the lending company’s services after the effective date of any changes constitutes acceptance of the revised Terms of Use.
(Terms of Use updated as of March 1st, 2025).