TERMS & CONDITIONS

 

Creditloans Canada Financing Inc. (“CreditLoans Canada”) collects personal information, including your name, address, telephone number, social insurance number (optional), income and other financial information, banking, vehicle, and reference information to confirm your identity and qualify you for the services for which you have applied. From time to time, CreditLoans Canada may share this information with its subsidiaries as well as third party collection agencies whom we engage to assist us in the collection of bad debt or to agencies that acquire bad debt.

By completing this form, you acknowledge that you will be contacted by one of our representatives regarding our products and services. Also, by way of this form, you consent to Creditloans Canada using your personal information for the purposes stated above and in accordance with our Privacy Policy. References cannot live at the same address and at least one must be a family member and all must be people you speak with regularly. In all cases, you agree that CreditLoans Canada Financing Inc. may phone your employment or other stated references and in some cases, we may ask you to sign a further disclosure waiver before we do so.

 

The following documents may be required to process your loan.

 

• Completed Loan Application form with your signature;

• Proof of income – i.e. pay stubs.

• Bank statements showing last 90 days of banking transactions;

• Recent phone or utility bill (from the home address listed on application);

• Copies of two (2) pieces of I.D. – Government issued with photo and signature;

• Lease or Rental Agreement, Rent Receipt, proof of mortgage, or a signed statement from someone you are living with.

 

I certify that the information provided on my application form is correct. I authorize complete verification of all information that I have provided, including use of a Consumer Credit Report. You may contact any person or company listed on the previous page and I fully release all parties from liability for any damage that may result. I confirm that I have given my consent for the purpose outlined above. By submitting an application online for a loan with Creditloans Canada, you agree that the information you have given Creditloans Canada on the application is complete and accurate. You agree that you have read our privacy policy and terms of use, and that you consent to, and accept this as written consent to authorize Creditloans Canada to contact your employer to verify your employment and to obtain a copy of your credit report from one of the Canadian credit reporting agencies.

 

Please Read Before Signing: As a condition of Creditloans Canada lending me money based on the information provided above, I make the following representation: I am not contemplating filing for bankruptcy within the next 8 months and have not consulted with an attorney or trustee concerning bankruptcy in the last 6 months.

 

Please note that Creditloans Canada does not currently lend to or solicit business from U.S. residents or residents of countries other than Canada. Please note that Creditloans Canada does not ever request a security deposit in exchange for processing a loan. Should you receive any such calls or requests, please contact our support centre at 1-855-723-LOAN ext. 4.

 

To protect both you and us, we use certain services provided by third-parties to help decide whether to accept transactions from personal computers, mobile phones, or other devices. The third-party service checks whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party’s server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party’s server responds with a code recommending that transactions be accepted, denied, or reviewed, according to settings we have selected. We also report to the third-party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application. We share with the third-party referenced above only information about the device you are using, which may also have been used or appropriated by others, and do not identify you or reveal the details of your transaction to that third-party. If you have questions about this please contact Customer Service.