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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 identifiable individual. 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 credit 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; and (xi) communicate with you by various means (including by electronic communications and by telephone).

From time to time, easyfinancial may share your personal information with or collect this information 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. For example, 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); (ii)   third party collection agencies whom easyfinancial engages to assist in the collection of bad debt or to agencies that acquire bad debt; and (iii) other third parties to assist in the collection of bad debt or to agencies that acquire bad debt.  As result, your personal information may be: (a) collected, transferred, used, processed, stored or disclosed in the United States of America, and (b) potentially accessible to law enforcement and national security authorities of that jurisdiction / those jurisdictions. 

Your third-party references cannot live at the same address as you and at least one must be a family member and all must be people you speak with regularly. Personal information about your third-party references is also collected. By completing this form, you acknowledge that you have obtained consent for the collection of such personal information from your third-party references. 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 the loan application for the purposes of helping us locate you.

By completing the easyfinancial application form, you consent to being contacted by one of our representatives regarding our products and services. Also, by way of this form, you consent to easyfinancial collecting, using and disclosing your personal information for the purposes stated above and in our privacy policy, as amended from time to time (the “Privacy Policy”). This policy is currently available on our website at www.easyfinancial.com.

You certify that the information provided on this form is correct. You authorize verification of the information that you have provided, including use of a Consumer Credit Report for the purposes stated above and identified within our Privacy Policy. easyfinancial may contact any person or company in your application or any supporting documentation provided and 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 confirm that you have given your consent for easyfinancial to verify the information that you have provided and to contact the references you have listed, for the purposes stated above and identified within our Privacy Policy.

By submitting an online application for a loan with easyfinancial, you agree that the information you have given to easyfinancial on this application is complete and accurate. You agree that you have read and consented to our Privacy Policy and consent to easyfinancial collecting, using and disclosing your personal information as explained in these Terms and Conditions as well as our Privacy Policy. You consent to, and accept this form as your written consent to authorize easyfinancial to contact your employer to verify your employment and to obtain a copy of your credit report from one or more of the Canadian credit reporting agencies as applicable.

Please Read Before Signing: As a condition of easyfinancial lending me money based on the information provided above, I make the following representation: I am not contemplating filing for bankruptcy within the next four (4) months and have not consulted with an attorney or trustee concerning bankruptcy in the last two (2) months.

Please note that easyfinancial does not currently lend to or solicit business from U.S. residents or residents of countries other than Canada. Please note that easyfinancial never requests a security deposit in exchange for processing a loan. Should you receive any such calls or requests, please contact our support centre at 1-888-512-3279.

To protect both you and us, we use services provided by a third party 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 your requested transaction is declined, or if you have questions about our use of a “device reputation” service, please contact Customer Service.

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. 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.

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 our collection, use and disclosure of your personal information 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

Future Marketing Communications

I would like to receive promotional offers and other commercial electronic communications (including offers about products and services from selected 3rd parties). I understand that I can withdraw my consent at any time. Contact easyfinancial at 1-866-327-9597, customerservice@easyfinancial.com or 110 King St W, Suite 134, Hamilton, ON, L8P 4S6 for more information.

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