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Terms and Conditions

TERMS AND CONDITIONS

easyfinancial Services Inc. (“easyfinancial”) collects, uses and discloses personal information for purposes limited to those which are related to its businesses. Personal information means any information about an individual which allows that individual to be identified. Personal information that easyfinancial collects may include but is not limited to your name, address, telephone number, social insurance number (optional), income and other financial information, banking, vehicle, and reference information. easyfinancial collects this information to: (i) confirm your identity and qualify you for the services for which you have applied, including obtaining a credit information report about you or your related financial history; (ii) assess your current and ongoing creditworthiness; (iii) verify any other information you provided in connection with your application; (iv) locate you to collect outstanding debts; (v) evaluate and make a decision about your application; (vi) match credit reports about you to determine your initial and ongoing eligibility for, and providing the products and services you request; (vii) open, monitor, administer, service and close your loan; (viii) enforce your loan; (ix) collect your outstanding debts to easyfinancial; (x) meet legal, regulatory, security and data processing requirements; (xi) communicate with you by various means (including by electronic communications and by telephone); and (xii) promote and offer products and services, including those of third parties, to you that we believe may meet those needs or be of interest to you.

 

Please note that these terms and conditions and privacy policy are subject to our privacy policy (the "Privacy Policy"; the Privacy Policy is currently available on our website at www.easyfinancial.com). In case of any contradiction between this document and the Privacy Policy, the Privacy Policy shall prevail.

 

From time to time, easyfinancial may share your personal information with or collect it from its affiliates, subsidiaries or related organizations, companies to which easyfinancial assigns your loan, your potential creditors and credit reporting agencies, businesses and financial institutions with whom you have had or may have had a financial relationship and other references you have provided in support of your application and for the purpose described in this document. We may share your personal information with: (i) our contractors, consultants, affiliates, service providers and other third parties who require such information to assist us with managing our relationship with you, including third parties that provide services to us (such as information technology and data processing services); and (ii) third parties to assist in the collection of bad debt or to agencies that acquire bad debt.

 

Should your loan go into default and you become unreachable, subject to applicable laws, easyfinancial reserves the right to contact the references you provided as part of your application for the purposes of helping us locate you. You confirm that you have obtained consent from your references for easyfinancial to contact them for such purposes.

 

You authorize easyfinancial to verify all of the information that you have provided to us (either directly or indirectly). You accordingly permit us to obtain a copy of your credit report from one or more credit reporting agencies and to contact your employer to verify your employment, as applicable. You consent that easyfinancial may use any credit reports that we obtain to assess your initial and ongoing creditworthiness.  In addition, subject to applicable laws and the policies and procedures of the applicable credit reporting agency, you consent to easyfinancial obtaining your easyfinancial credit score from a credit reporting agency for a period of up to one year after (i) termination of any lending arrangement you have with easyfinancial; or (ii) the date that, and in the event that, easyfinancial declines or you withdraw your application. You acknowledge that this consent is obtained to allow easyfinancial to offer you products and services from easyfinancial and selected third parties.

 

You agree that we may provide you with: (i) information on products and services; (ii) incentives and advertising promotions; and (iii) offers about products and services from selected third parties that may interest you, such as our insurance partners or other providers of credit. 

 

You consent to easyfinancial collecting, using and disclosing your personal information for the purposes and as explained herein and in our Privacy Policy.

 

You fully release easyfinancial and any third parties to whom easyfinancial provides your personal information, from liability that may result from our respective collection, use and disclosure of your personal information.

 

You agree that you have read this document as well as our Privacy Policy carefully. Subject to legal or contractual obligations and reasonable notice, you have the right to change or withdraw your consent at any time; however, doing so may affect our ability to provide you with our products and services. For example, if we can no longer evaluate your creditworthiness or open, monitor, administer, service, close or enforce your loan, then we may not extend credit to you or we may terminate your loan.

 

By executing this document, and as a condition of easyfinancial providing you credit, you make the following representations and warranties: (i) the information that you have given to us (including on your application) is correct, complete and accurate; and (ii) you are not contemplating filing for bankruptcy or a consumer proposal within the next four (4) months and have not consulted with an attorney or trustee concerning bankruptcy or a consumer proposal in the last two (2) months.

 

For more information, or if you have any questions about our collection, use and disclosure of your personal information, you may write to our Chief Privacy Officer at easyfinancial, Attn: Chief Privacy Officer, 33 City Centre Drive, Suite 510, Mississauga, Ontario, L5B 2N5.

Terms and Conditions

Terms and Conditions and Privacy Policy

easyfinancière Services Inc. (“easyfinancière”) collects, uses and discloses personal information for purposes limited to those which are related to its businesses. Personal information means any information about an individual which allows that individual to be identified. Personal information that easyfinancière collects may include but is not limited to your name, address, telephone number, social insurance number (optional), income and other financial information, banking, vehicle, and reference information. easyfinancière collects this information to: (i) confirm your identity and qualify you for the services for which you have applied, including obtaining a credit information report about you or your related financial history; (ii) assess your current and ongoing creditworthiness; (iii) verify any other information you provided in connection with your application; (iv) locate you to collect outstanding debts; (v) evaluate and make a decision about your application; (vi) match credit reports about you to determine your initial and ongoing eligibility for, and providing the products and services you request; (vii) open, monitor, administer, service and close your loan; (viii) enforce your loan; (ix) collect your outstanding debts to easyfinancière; (x) meet legal, regulatory, security and data processing requirements; (xi) communicate with you by various means (including by electronic communications and by telephone); and (xii) promote and offer products and services, including those of third parties, to you that we believe may meet those needs or be of interest to you.

Please note that these terms and conditions and privacy policy are subject to our privacy policy (the "Privacy Policy"; the Privacy Policy is currently available on our website at www.easyfinancial.com). In case of any contradiction between this document and the Privacy Policy, the Privacy Policy shall prevail. 

From time to time, easyfinancière may share your personal information with or collect it from its affiliates, subsidiaries or related organizations, companies to which easyfinancière assigns your loan, your potential creditors and credit reporting agencies, businesses and financial institutions with whom you have had or may have had a financial relationship and other references you have provided in support of your application and for the purpose described in this document. We may share your personal information with: (i) our contractors, consultants, affiliates, service providers and other third parties who require such information to assist us with managing our relationship with you, including third parties that provide services to us (such as information technology and data processing services); and (ii) third parties to assist in the collection of bad debt or to agencies that acquire bad debt.

Should your loan go into default and you become unreachable, subject to applicable laws, easyfinancière reserves the right to contact the references you provided as part of your application for the purposes of helping us locate you. You confirm that you have obtained consent from your references for easyfinancière to contact them for such purposes.

You authorize easyfinancière to verify all of the information that you have provided to us (either directly or indirectly). You accordingly permit us to obtain a copy of your credit report from one or more credit reporting agencies and to contact your employer to verify your employment, as applicable. You consent that easyfinancière may use any credit reports that we obtain to assess your initial and ongoing creditworthiness.  In addition, subject to applicable laws and the policies and procedures of the applicable credit reporting agency, you consent to easyfinancière obtaining your easyfinancière credit score from a credit reporting agency for a period of up to one year after (i) termination of any lending arrangement you have with easyfinancière; or (ii) the date that, and in the event that, easyfinancière declines or you withdraw your application. You acknowledge that this consent is obtained to allow easyfinancière to offer you products and services from easyfinancière and selected third parties.

Please be advised that you have a right to access and have rectified credit reports prepared by credit reporting agencies with which we are collaborating. If you need information on how to do so, please contact our Chief Privacy Officer using the contact information provided below. In addition, you may obtain access to the credit reports we consulted in relation with your file, and more generally, to the personal information we hold in your file. Please refer to our Privacy Policy for further details.

You agree that we may provide you with: (i) information on products and services; (ii) incentives and advertising promotions; and (iii) offers about products and services from selected third parties that may interest you, such as our insurance partners or other providers of credit.  

You consent to easyfinancière collecting, using and disclosing your personal information for the purposes and as explained herein and in our Privacy Policy. 

You agree that you have read this document as well as our Privacy Policy carefully. Subject to legal or contractual obligations and reasonable notice, you have the right to change or withdraw your consent at any time; however, doing so may affect our ability to provide you with our products and services. For example, if we can no longer evaluate your creditworthiness or open, monitor, administer, service, close or enforce your loan, then we may not extend credit to you or we may terminate your loan.

By executing this document, and as a condition of easyfinancière providing you credit, you make the following representations and warranties: (i) the information that you have given to us (including on your application) is correct, complete and accurate; and (ii) you are not contemplating filing for bankruptcy or a consumer proposal within the next four (4) months and have not consulted with an attorney or trustee concerning bankruptcy or a consumer proposal in the last two (2) months.

By executing this document, you represent that you have expressly requested it and all documents related thereto be drawn up in English. En signant ce document, vous confirmez avoir expressément demandé à ce que ce document et les documents qui en découlent soient rédigés en langue anglaise.

For more information, or if you have any questions about our collection, use and disclosure of your personal information, you may write to our Chief Privacy Officer at easyfinancière, Attn: Chief Privacy Officer, 33 City Centre Drive, Suite 510, Mississauga, Ontario, L5B 2N5.

Privacy Policy

goeasy Ltd., its affiliates, subsidiaries (including RTO Asset Management Inc. operating as easyhome and easyfinancial Services Inc. operating as easyfinancial) and franchisees (collectively, "goeasy", "we", "us" or "our"), have provided this Privacy Policy to describe our personal information handling practices, and to assure you of our continuing commitment to take steps to protect all personal information that we handle in the course of commercial activities. "Personal information", as used in this Privacy Policy, means information about an identifiable individual. Unless you are a resident of the Province of Quebec, this Privacy Policy does not apply to an individual's business contact information where collected, used or disclosed solely for the purpose of communicating with the individual in relation to their business, employment or profession.

Purposes for which goeasy Handles Personal Information

goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing household furnishings, appliances, and home electronic products to its customers under lease agreements, staging services, mortgage brokerage services and financial services. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.

We may collect and use personal information for purposes such as, but not limited to, the following:

  • to manage and promote the business activities of goeasy;
  • to verify identity and other information provided by customers and to determine eligibility for products and services;
  • to open, administer and service accounts and loans and to provide and administer any requested products or services;
  • to evaluate current and ongoing creditworthiness and other requirements and to determine eligibility or suitability for products or services offered by goeasy;
  • to advertise, market and promote goeasy's products and services to customers who have consented to receiving such communication, which include communication by mail, email,  telephone, automatic dialers and announcing devices;
  • to establish relationships, provide quality service to and communicate with customers;
  • to collect outstanding debts;
  • to protect the business interests of goeasy and its customers, including to detect and prevent fraud and other unauthorized or illegal activities;
  • to maintain business records for reasonable periods to meet legal and regulatory record retention requirements; and
  • for other purposes identified by goeasy with your consent or as permitted or required by law.

Personal Information goeasy Collects

goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.

Personal information that we collect includes:

  • customer name and contact information, including mailing address, telephone number, fax number and/or email address;
  • additional information for identity matching and credit check purposes, such as occupation, name of employer, names and contact information for references, assets, liabilities, income, previous address, number of dependents, Social Insurance Number (if provided), date of birth or driver's license number;
  • information about the account or loan, such as current and historical information, balance and indebtedness, account transaction history and similar information and records relating to the handling of any inquiries or complaints;
  • payment-related information such as banking information; and
  • such other information that is necessary for our identified purposes and that is collected with your consent or as permitted or required by law.

Transfers and Disclosures of Personal Information

goeasy may disclose personal information in a number of circumstances, including:

  • to credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references;
  • to financial institutions for payment processing purposes;
  • to third parties as reasonably necessary to enforce your contracts with us and otherwise for the collection or payment of a debt owed to us;
  • for the purposes of detecting and preventing fraud;
  • in connection with audits;
  • for the purposes of meeting legal, regulatory, industry self-regulatory, risk management and security requirements;
  • with your consent  to goeasy's insurance partners or other lenders so that they may offer other products and services that may be of interest to you; and
  • for other purposes identified by goeasy with your consent or as permitted or required by law.

In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.

In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada and will be subject to applicable legal requirements in that country including lawful requirements to disclose personal information to government authorities in certain circumstances.

If you are a resident of the Province of Quebec, you understand that we may transfer your personal information to a third party based outside of the Province of Quebec, or store it outside of the Province of Quebec, the handling (including the disclosure to third parties) of that personal information will be subject to the laws and regulations applicable in that jurisdiction and you consent thereto.

goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.

goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.

Safeguards

goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.

Access and Accuracy

goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee.  If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation.  An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.

goeasy's Websites and E-Mail Communication

goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancial at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.

We use cookies and other tracking technologies to improve your experience on our website, to facilitate the online application process and for internal research and reporting purposes. A "cookie" is a bit of information that a website sends to your web browser that helps the site remember information about you and your preferences, such as your IP address and the pages of the website that you visit. You can set your browser to notify you when you receive a cookie or to refuse cookies altogether. If you refuse cookies, however, you may not be able to use certain features of our website, view ads based on past visits to our website, report or interact with ad impressions.

Our website may contain links to other websites of interest. These other websites are not governed by our Privacy Policy and we are not responsible for any personal information which you provide while visiting other websites. We encourage you to read the privacy policy of every website you visit.

In compliance with Google's advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third party websites on the internet after visiting our website.

We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout

We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.

Consent

Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express or implied. In some circumstances, where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn consent, you will be considered to have consented for the purposes identified and described to you.  By submitting personal information to goeasy or its service providers and agents, you consent to the collection, use and disclosure of such personal information as described in this Privacy Policy or otherwise at the time of collection. If you provide goeasy or our service providers and agents with personal information of another individual, it is your responsibility to obtain consent from such person to enable us to collect, use and disclose such information for the purposes set forth in this Privacy Policy. Subject to legal or contractual requirements and reasonable notice, you may withdraw your consent at any time by contacting goeasy's Privacy Officer at the contact information set out at the end of this Privacy Policy. If you withdraw your consent, we may be limited or unable to provide you with certain services or information.

In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.

Inquiries or Further Information

goeasy has appointed a Privacy Officer to oversee compliance with this Privacy Policy and applicable privacy laws. Any questions related to the Privacy Policy or the handling of personal information by goeasy can be addressed directly to the Privacy Officer at:

Privacy Officer, goeasy Ltd.,

33 City Centre Drive, Suite 510

Mississauga, Ontario, L5B 2N5, Canada

If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at www.privcom.gc.ca. or in Alberta or British Columbia, your provincial privacy regulator, as applicable.

We reserve the right to modify this Privacy Policy at any time. If we make a change to this Policy, we will post such changes on our website located at www.goeasy.com.

Privacy Policy

goeasy Ltd., its affiliates, subsidiaries (including RTO Asset Management Inc. operating as easyhome and easyfinancière Services Inc. operating as easyfinancière) and franchisees (collectively, "goeasy", "we", "us" or "our"), have provided this Privacy Policy to describe our personal information handling practices, and to assure you of our continuing commitment to take steps to protect all personal information that we handle in the course of commercial activities. "Personal information", as used in this Privacy Policy, means information about an identifiable individual. Unless you are a resident of the Province of Quebec, this Privacy Policy does not apply to an individual's business contact information where collected, used or disclosed solely for the purpose of communicating with the individual in relation to their business, employment or profession.

Purposes for which goeasy Handles Personal Information

goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing household furnishings, appliances, and home electronic products to its customers under lease agreements, staging services, mortgage brokerage services and financial services. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.

We may collect and use personal information for purposes such as, but not limited to, the following:

  • to manage and promote the business activities of goeasy;
  • to verify identity and other information provided by customers and to determine eligibility for products and services;
  • to open, administer and service accounts and loans and to provide and administer any requested products or services;
  • to evaluate current and ongoing creditworthiness and other requirements and to determine eligibility or suitability for products or services offered by goeasy;
  • to advertise, market and promote goeasy's products and services to customers who have consented to receiving such communication, which include communication by mail, email,  telephone, automatic dialers and announcing devices;
  • to establish relationships, provide quality service to and communicate with customers;
  • to collect outstanding debts;
  • to protect the business interests of goeasy and its customers, including to detect and prevent fraud and other unauthorized or illegal activities;
  • to maintain business records for reasonable periods to meet legal and regulatory record retention requirements; and
  • for other purposes identified by goeasy with your consent or as permitted or required by law.

Personal Information goeasy Collects

goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.

Personal information that we collect includes:

  • customer name and contact information, including mailing address, telephone number, fax number and/or email address;
  • additional information for identity matching and credit check purposes, such as occupation, name of employer, names and contact information for references, assets, liabilities, income, previous address, number of dependents, Social Insurance Number (if provided), date of birth or driver's license number;
  • information about the account or loan, such as current and historical information, balance and indebtedness, account transaction history and similar information and records relating to the handling of any inquiries or complaints;
  • payment-related information such as banking information; and
  • such other information that is necessary for our identified purposes and that is collected with your consent or as permitted or required by law.

Transfers and Disclosures of Personal Information

goeasy may disclose personal information in a number of circumstances, including:

  • to credit bureaus, credit reporting agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references;
  • to financial institutions for payment processing purposes;
  • to third parties as reasonably necessary to enforce your contracts with us and otherwise for the collection or payment of a debt owed to us;
  • for the purposes of detecting and preventing fraud;
  • in connection with audits;
  • for the purposes of meeting legal, regulatory, industry self-regulatory, risk management and security requirements;
  • with your consent  to goeasy's insurance partners or other lenders so that they may offer other products and services that may be of interest to you; and
  • for other purposes identified by goeasy with your consent or as permitted or required by law.

In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.

In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada and will be subject to applicable legal requirements in that country including lawful requirements to disclose personal information to government authorities in certain circumstances.

If you are a resident of the Province of Quebec, you understand that we may transfer your personal information to a third party based outside of the Province of Quebec, or store it outside of the Province of Quebec, the handling (including the disclosure to third parties) of that personal information will be subject to the laws and regulations applicable in that jurisdiction and you consent thereto.

goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.

goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.

Safeguards

goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.

Access and Accuracy

goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee.  If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation.  An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.

goeasy's Websites and E-Mail Communication

goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancière at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.

We use cookies and other tracking technologies to improve your experience on our website, to facilitate the online application process and for internal research and reporting purposes. A "cookie" is a bit of information that a website sends to your web browser that helps the site remember information about you and your preferences, such as your IP address and the pages of the website that you visit. You can set your browser to notify you when you receive a cookie or to refuse cookies altogether. If you refuse cookies, however, you may not be able to use certain features of our website, view ads based on past visits to our website, report or interact with ad impressions.

Our website may contain links to other websites of interest. These other websites are not governed by our Privacy Policy and we are not responsible for any personal information which you provide while visiting other websites. We encourage you to read the privacy policy of every website you visit.

In compliance with Google's advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third party websites on the internet after visiting our website.

We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout

We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.

Consent

Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express or implied. In some circumstances, where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn consent, you will be considered to have consented for the purposes identified and described to you.  By submitting personal information to goeasy or its service providers and agents, you consent to the collection, use and disclosure of such personal information as described in this Privacy Policy or otherwise at the time of collection. If you provide goeasy or our service providers and agents with personal information of another individual, it is your responsibility to obtain consent from such person to enable us to collect, use and disclose such information for the purposes set forth in this Privacy Policy. Subject to legal or contractual requirements and reasonable notice, you may withdraw your consent at any time by contacting goeasy's Privacy Officer at the contact information set out at the end of this Privacy Policy. If you withdraw your consent, we may be limited or unable to provide you with certain services or information.

In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.

Inquiries or Further Information

goeasy has appointed a Privacy Officer to oversee compliance with this Privacy Policy and applicable privacy laws. Any questions related to the Privacy Policy or the handling of personal information by goeasy can be addressed directly to the Privacy Officer at:

Privacy Officer, goeasy Ltd.,

33 City Centre Drive, Suite 510

Mississauga, Ontario, L5B 2N5, Canada

If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at www.privcom.gc.ca. or in Alberta or British Columbia, your provincial privacy regulator, as applicable.

We reserve the right to modify this Privacy Policy at any time. If we make a change to this Policy, we will post such changes on our website located at www.goeasy.com.

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Co-applicant information section Leave this section
Your Loan Details
Email:
Loan amount:
What is the primary purpose of this loan?:
Application Form
Please enter valid email address.
Email
How much would you like to borrow? Enter an amount between $500 - $15,000.
What is the primary purpose of this loan?
bills and expenses
education expenses
debt consolidation
travel and leisure
home repair
purchase an Item
automobile repair
healthcare expenses
other
Personal Information
Salutation:
First name:
Last name:
Phone number:
Tell us about yourself.
Mr.
Ms.
First name
Last name
Phone number
When is your birthday?
Year:
Month:
Day:
When is your birthday?
Year
Month
January
February
March
April
May
June
July
August
September
October
November
December
Day
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What's your address?
Postal code:
Street address:
Address line 2:
City:
Province:
Preferred language:
I have read and agreed to the terms and conditions.
What's your address?
Start by typing your postal code and we will show you a list of matching addresses
Postal code
Street address
Address line 2
City
Province
  1. Alberta
  2. British Columbia
  3. Manitoba
  4. New Brunswick
  5. Newfoundland and Labrador
  6. Nova Scotia
  7. Northwest Territories
  8. Nunavut
  9. Ontario
  10. Prince Edward Island
  11. Quebec
  12. Saskatchewan
  13. Yukon
I have read and agree to the Terms and Conditions .
By submitting your online application you are agreeing to receive promotional offers from goeasy. You can withdraw your consent at any time. Please refer to Privacy Policy or Contact Us for more details.
What is your employment status?
Employment status:
What is your employment status?
Full time
Maternity leave
Part time
Disability
Self-employed
Social assistance
Seasonal (E.I)
Unemployed
Retired (pension)
Create Account
Account created!
Awesome, now let's create your account!
email
Password
Retype password
Tell us a few more details about yourself.
Status:
Tell us a few more details about yourself.
Canadian citizen
International student
Permanent resident (PR)
Visitor
Work permit
Other
How long have you worked at your current job?
Current employment duration:
Previous employment duration:
Current work phone number:
Extension:
How long have you worked at your current job?
Less than 6 months
6-12 months
1 year
2 years
3 years
4 years
More than 5 years
Current work phone number
Extension
How long did you work at your previous job?
Less than 6 months
6-12 months
1 year
2 years
3 years
4 years
More than 5 years
What is your net pay(after taxes) per paycheque?
Net pay per paycheque:
How often do you get paid?:
What is your net pay(after taxes) per paycheque?
Net pay means how much actually gets deposited to your bank account every time you get paid
Net pay per paycheque
How often do you get paid?
Weekly
Bi-weekly (every 2 weeks)
Semi-monthly (twice per month)
Monthly
Bank Information
Do you receive this income via direct deposit to your bank account?:
Do you receive Child Tax Credit (CTC)?:
CTC monthly amount:
Number of dependents:
Do you receive this income via direct deposit to your bank account?
Yes
No
Do you receive Child Tax Credit (CTC)?
Yes
No
CTC monthly amount
How many children do you have under the age of 19?
Number of dependents
Other Income
Do you receive any other income?:
Are you a current easyhome customer?:
Do you receive any other income?
Yes
No
Please select all that apply.
second job
Amount monthly
rental
Amount monthly
spousal/child support
Amount monthly
other government income
Amount monthly
other
Amount monthly
multiple sources
Amount monthly
Are you a current easyhome customer?
Yes
No
SIN
Social Insurance number (optional):
Would you like to add another person to your application?:
SIN
This information is optional but providing it will help verify your identity and get you your loan faster.
Social Insurance number (optional)
Would you like to add another person to your application?
Adding another person to your application is not mandatory but may help with your loan approval. You can always add one later.
Co-applicant
Based on the income information you have provided, it looks like you need a co-applicant. Press continue to add a co-applicant now.
Yes
No
Co-app
Email:
Salutation:
First name:
Last name:
Phone number:

This section is complete. You may now continue filling out the primary applicant section.

Co-app
Please enter valid email address.
Email
Mr.
Ms.
First name
Last name
Phone number
When is your birthday?
Year
Month
January
February
March
April
May
June
July
August
September
October
November
December
Day
1
2
3
4
5
6
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28
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What is your marital status?
Single
Married
Common-law
Divorced
Widowed
Not disclosed
What's your address?
Address is same as Applicant
Start by typing your postal code and we will show you a list of matching addresses
Postal code
Street address
City
Province
  1. Alberta
  2. British Columbia
  3. Manitoba
  4. New Brunswick
  5. Newfoundland and Labrador
  6. Nova Scotia
  7. Northwest Territories
  8. Nunavut
  9. Ontario
  10. Prince Edward Island
  11. Quebec
  12. Saskatchewan
  13. Yukon
I have read and agree to the Terms and Conditions .
By submitting your online application you are agreeing to receive promotional offers from goeasy. You can withdraw your consent at any time. Please refer to Privacy Policy or Contact Us for more details.
Tell us a few more details about yourself.
Canadian citizen
International student
Permanent resident (PR)
Visitor
Work permit
Other
What is your employment status?
Full time
Maternity leave
Part time
Disability
Self-employed
Social assistance
Seasonal (E.I)
Unemployed
Retired (pension)
How long have you worked at your current job?
Less than 6 months
6-12 months
1 year
2 years
3 years
4 years
More than 5 years
Current work phone number
How long did you work at your previous job?
Less than 6 months
6-12 months
1 year
2 years
3 years
4 years
More than 5 years
Please share your employment details
Current Employer
Supervisor
Supervisor Phone
Job Title
What is your net pay(after taxes) per paycheque?
Net pay means how much actually gets deposited to your bank account every time you get paid
Net pay per paycheque
How often do you get paid?
Weekly
Bi-weekly (every 2 weeks)
Semi-monthly (twice per month)
Monthly
Do you receive any other income?
Yes
No
Please select all that apply.
second job
Amount monthly
rental
Amount monthly
spousal/child support
Amount monthly
other government income
Amount monthly
other
Amount monthly
multiple sources
Amount monthly
Do you receive Child Tax Credit (CTC)?
Yes
No
CTC monthly amount
How many children do you have under the age of 19?
Number of dependents
SIN
This information is optional but providing it will help verify your identity and get you your loan faster.
Social Insurance number (optional)
How long have you lived at your current address?
Less than 6 months
6-12 months
1 year
2 years
3 years
4 years
More than 5 years
What is your previous address?
Start by typing your postal code and we will show you a list of matching addresses
Postal code
Street address
City
Province
  1. Alberta
  2. British Columbia
  3. Manitoba
  4. New Brunswick
  5. Newfoundland and Labrador
  6. Nova Scotia
  7. Northwest Territories
  8. Nunavut
  9. Ontario
  10. Prince Edward Island
  11. Quebec
  12. Saskatchewan
  13. Yukon
Do you rent or own your place?
Rent
Own
Do you currently have any payday loans?
Yes
No
Do you have any other liabilities such as child support or unpaid taxes?
Yes
No
Please choose all that apply and specify the amount each.
spousal/child support
Amount monthly
Balance
unpaid taxes
Amount monthly
Balance
easyhome payments
Amount monthly
Balance
other
Amount monthly
Balance
Looking good! We just need a few more details to give you a decision!
How long have you lived at your current address?:
What's your previous address?
Postal code:
Street address:
Address line 2:
City:
Province:
Looking good! We just need a few more details to give you a decision!
Looking good! Now just a few more questions for the primary applicant before we can give you a decision.
How long have you lived at your current address?
Less than 6 months
6-12 months
1 year
2 years
3 years
4 years
More than 5 years
What is your previous address?
Start by typing your postal code and we will show you a list of matching addresses
Postal code
Street address
Address line 2
City
Province
  1. AB
  2. BC
  3. MB
  4. NB
  5. NL
  6. NT
  7. NS
  8. NU
  9. ON
  10. PE
  11. QC
  12. SK
  13. YT
Information
Do you rent or own your place?:
Do you own a car?:
Do you rent or own your place?
Rent
Own
Do you own a car?
Yes
No
Information
Do you currently have any payday loans?:
Amount owing:
Do you have any other liabilities such as child support or unpaid taxes?
Do you currently have any payday loans?
Yes
No
Do you have any other liabilities such as child support or unpaid taxes?
Yes
No
Please choose all that apply and specify the amount each.
spousal/child support
Amount monthly
Balance
unpaid taxes
Amount monthly
Balance
easyhome payments
Amount monthly
Balance
other
Amount monthly
Balance