Terms and Conditions
WHO CAN APPLY FOR CREDIT?
You must be at least 18 years old and not be considered unfit or under guardianship. The subject matter of your credit application must not be done, directly or indirectly, for illegal, prohibited or criminal purposes, fraudulent intent or money-laundering or any other act considered bad faith by the lending company, at its sole discretion. You have the obligation to reveal your complete identity. You cannot impersonate others. You have not been refused or de-activated from the lending company in the past thirty (30) days prior to this credit application.
COLLECTION AND USE OF INFORMATION
To process your credit application, as mentioned above, the lending company must verify the information about you. The types of information that the lending company will collect depends on the information that you will provide and on how you use the lending company’s website. You hereby understand and agree that at the time of your request for a credit application, the lending company collects the content of the application, communications and any other information you provide, including when you create an account, create or share content, or when you communicate with or send messages to members, officers, directors, agents or partners of the lending company. This may include information in or about content that you provide (for example, metadata), such as the location of a photo or the date a file was created. You formally consent that all such information collected may be used by the lending company in the management of your credit application and may be passed on to any other affiliate, services provider or other related business for the purpose of investigation or aggregation of data. Your data may be part of a database assisting program of the lending company or any other affiliate, services provider or other related business for the purposes of processing and investigating credit applications, under the conditions mentioned above or otherwise, and such information may be retained for an indefinite term by the lending company and any other affiliate, services provider or other related enterprise to that effect. The data may be shared with public or legal authorities, where the law or a court orders to.
JURISDICTION OF CREDIT APPLICATION AND DISPUTE MANAGEMENT
The lending company is a corporation doing business in the province of Quebec, Canada and any acceptance of the credit application will be considered to have been made in the province of Quebec, Canada, notwithstanding your place of residence or the place where your request has been made. You agree that in the event of a dispute, the laws of Quebec and Canada shall apply and that any dispute be heard in the jurisdiction of the Province of Quebec, Canada, in the Judicial District of Montreal, to the exclusion of any other jurisdiction and from any other district.