This agreement is governed by the laws of Canada and the laws of the province in which you obtain the loan. Any dispute concerning this agreement shall be determined by binding arbitration under the applicable arbitration legislation.
We offer a loan increase after you have paid a percentage of the loan. Individuals may qualify to re-borrow up to $5,000, based on credit and payment history.
Our Policy applies to all former, current and potential customers and may change from time to time. We reserve the right to update or modify this Policy at any time, with or without notice. If we use or disclose personal information for purposes materially different than those described in this Policy, we will make reasonable efforts to notify affected customers, including posting a revised Policy on this website.
We collect and use your personal information for administering our businesses, which include leasing household furnishings, appliances, and home electronic products and providing financial services. We collect personal information from your application, through references, employers and other financial institutions you have identified as well as credit bureaus and other third party sources:
We may collect personal information for purposes such as the following:
We limit the amount and type of personal information collected to that which is necessary and we collect personal information by fair and lawful means. Personal information that we collect includes:
We may disclose personal information under the following circumstances:
We use safeguards and other security standards to ensure that all personal information in our custody and control is protected 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 your personal information. Authorized employees and agents who require access to fulfill their job requirements will have access to personal information.
We do not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our website. If you wish to provide us with information of a confidential or sensitive nature, please contact us directly by telephone to arrange for delivery/transmission of such information by secure means.
Consent can be express or implied. You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an 'opt out' option provided, if any. By submitting your personal information to us, you consent to the collection, use and disclosure of such personal information as described in this Policy or otherwise at the time of collection. If you provide us with personal information of another individual, you are deemed to have obtained consent from such person. Subject to legal or contractual requirements and reasonable notice, you may withdraw your consent at any time by contacting our Privacy Officer. If you withdraw your consent, we may be limited or unable to provide you with certain services or information.
We may establish and maintain a file containing your personal information for the purposes described in this Policy, which will be accessible at our head office located at 33 City Centre Drive, Suite 510, Mississauga, Ontario, L5B 2N5. You may request access to or correction of your personal information. Requests must be made in writing and addressed to our Privacy Officer. We will respond to written requests within a reasonable time (generally 30 days). Copies of records containing personal information may be subject to a fee. We will use our best efforts to ensure that personal information is accurate, complete, and up-to-date and will take reasonable efforts to verify your identity before granting you access or making any corrections. If you successfully demonstrate the inaccuracy or incompleteness of any of your 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. Your right is subject to applicable law. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at www.privcom.gc.ca