Privacy Policy and modalities

This Privacy Policy (referred to as “Policy”) applies to www.pretsurdemande.com (referred to as “ Prêt sur demande " or “ we ”). Prêt sur demande is part of a group of companies under Prêt sur demande (referred to as “ Prêt sur demande Group ”). Prêt sur demande is committed to respecting your privacy and recognizes your need for appropriate protection and management of any personally identifiable information you share with us.

In this Policy, the term “users” or “you” shall include visitors to www.pretsurdemande.com (referred to as the “Website”), applicants for loan facilities and customers of loan facilities, whether a definitive agreement is entered into between the user and Prêt sur demande or not. This Policy applies to information that we collect on the Website and to information which we may collect by other means, including, without limitation, sales calls and other business transactions.

The content of this Policy shall apply to all visitors and form part of the terms and conditions of the loan agreement and/or any agreement or arrangement that the visitors have or may enter into with Prêt sur demande from time to time. In the event of any inconsistency or discrepancy between this Policy and the relevant agreement or arrangement, this Policy shall prevail insofar as it relates to the protection of the visitor’s Personal Information. Please take a moment to review the terms of this Policy. By using the Website and/or providing us Personal Information, you agree to accept the terms of our Policy. If you do not agree to the terms of this Policy, please do not use the Website or provide us any Personal Information.

Personal Information We May Collect

Users may periodically provide to Prêt sur demande or any of the Prêt sur demande Group, and Prêt sur demande or any of the Prêt sur demande Group may periodically collect from or about you, certain personal information and records which may include among other things: name; current home and work addresses; previous addresses; current phone numbers and email addresses (home, work, or other); date of birth and Social Insurance Number; credit history, including credit reports, consumer reports, personal reports, or such other similar reports; next of kin; personal references; source and amount of income; financial information necessary to verify your creditworthiness; transactions with Prêt sur demande; and agreements and other documents pertaining to transactions with Prêt sur demande (collectively referred to as your “Personal Information”).

How We May Use Your Personal Information

Prêt sur demande collects, and as permissible by law, uses and/or discloses your Personal Information for any or all of the following purposes:

  1. to obtain credit information and credit reports (or such other similar reports) on you from credit reporting agencies (or such other similar entity) to assess credit history and credit worthiness and to confirm accuracy of the information you provided;
  2. to confirm your identity;
  3. to confirm details of your employment;
  4. to collect a debt that may become owed to Prêt sur demande;
  5. to extract certain information for the purpose of generating statistics for marketing purposes;
  6. to record, track and respond to your feedback and complaints;
  7. to evaluate, complete, facilitate or otherwise allow the purchase or sale of the whole, part, or any assets of Prêt sur demande, the making of a loan or other financing to Prêt sur demande, and the creation of a charge or taking of security interest in or on any assets of Prêt sur demande, and as may be required to be disclosed to, or collected and used by, third parties from time to time for the purposes of same;
  8. to facilitate and allow verification of your transactions, including but not limited to payment and charge-off of your loan with Prêt sur demande, by third parties which may be located in the United States of America and Europe; and
  9. to meet legal and regulatory requirements;

With Whom We May Share Your Information

We may provide Personal Information to third parties when that information is necessary for them to complete a requested transaction or otherwise perform their duties. Prêt sur demande will take reasonable steps to ensure that these third-party service providers are obligated to protect Personal Information on Prêt sur demande’s behalf. Prêt sur demande’ will not sell or share your Personal Information with any unaffiliated third parties for marketing purposes. In the event that Prêt sur demande or all of its assets are acquired, all of the data collected by Prêt sur demande through the Website and through other means and services provided by Prêt sur demande would be among the transferred assets. Prêt sur demande may disclose your Personal Information, without notice, if required by law or if, in good faith, it deems such act necessary to protect and defend the rights or property of Prêt sur demande and act in urgent circumstances to ensure the personal safety of users and the public.

By using the services of Prêt sur demande’, users are consenting and authorizing Prêt sur demande’ and the third parties referenced above collecting, and as permissible by law, using, and disclosing your Personal Information, including without limiting the generality of the foregoing, to:

  1. verify the accuracy of the information contained in your application by, among other things, verifying your credit report (or such other similar reports) before entering into any transaction with Prêt sur demande;
  2. to analyze your credit report (or such other similar reports) for any legitimate business need in connection with a transaction between you and Prêt sur demande;
  3. submit your application to a consumer reporting agency (or such other similar entity);
  4. call your employer to confirm employment,
  5. contact you for any reason related to your loan application, your loan, and Prêt sur demande’s services and promotions; and
  6. obtain your bank account information.

Cookies

Some of our Website pages utilize “cookies” and other tracking technologies. A cookie is a small data file that a website transfers to an individual’s hard drive for record-keeping purposes. We, and/or our third-party advertising service providers, may place cookies or similar files on your computer for security purposes, to facilitate site navigation and to personalize your experience while visiting our Website.

These cookies may be placed on users’ device by Prêt sur demande or by third parties on Prêt sur demande’s behalf (for example, advertising networks and providers of external services like web traffic analysis services). Please note that we do not link the information in the cookies to your Personal Information. Moreover, we do not obtain, store or maintain any personally identifiable information about you through our use of cookies. Information recorded through the use of cookies by third parties are aggregated and then shared with Prêt sur demande as anonymous aggregated research data. No Personal Information about users is collected or shared by third parties with Prêt sur demande as a result of the use of cookies. However, we reserve the right to use IP addresses and other tracking technologies to identify a visitor, without notice, if required by law or if, in good faith, it deems such act necessary to protect and defend the rights or property of Prêt sur demande’ and act in urgent circumstances to ensure the personal safety of users and the public.

Most web browsers are initially set up to accept cookies. Should you wish not to be tracked by this kind of technology, you can choose not to accept cookies by changing the settings on your web browser. However, if you block all cookies, you may not be able to use the Website properly.

Security

Prêt sur demande takes the security of your information very seriously. We work hard to protect ourselves and your Personal Information from unauthorized access. We also protect against unauthorized disclosure, alteration or destruction of information we hold. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data. We use SSL encryption technology in order to protect your Personal Information and provide you with the most secure online experience. We restrict access to Personal Information to Prêt sur demande employees, contractors, and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

Account

If you become a customer, you will be able to access a personalized account, through the Website with a unique password. Your access to and use of your account, together with all other aspects of your relationship as customer of Prêt sur demande will be governed by your agreement with Prêt sur demande. You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for all activities that occur under your password or account.

Children’s Privacy

We do not knowingly collect or solicit any information from anyone under the age of 18. In the event that we learn that we have inadvertently collected Personal Information from a child under age 18, we will delete that information as quickly as possible. If you believe that we might have any information from a child under 18, please contact us at 1-855-776-2114.

Modalities

All advertising by a merchant regarding the terms and conditions of credit in a contract extending variable credit and including one of the following particulars: 
a) The duration of each period for which a statement of account is furnished; 30 days b) Membership or renewal fees; 55$ c) The period during which the consumer may discharge his obligation without being required to pay credit charges; 2 days d) The minimum payment required for each period; is according to the type of credit you have chosen and that we will have pre-approved e) A reference table of credit charges to be paid; as specified below

SUMMARY OF THE TOTAL GUARANTEE FEES

Fees at Death Membership Fees Credit Analysis Fees Guarantee Fees

SUMMARY OF THE LENDER FEES

Interest fees Membership Fees Changes to Policy We will provide you with disclosures and alerts regarding any material changes to the Privacy Policy by posting them on our Website and if you are an existing client by contacting you through your account and email address provided. Your continued use of the Website following the posting of changes to the present terms will mean you accept those changes. For more information on Prêt sur demande’s policies and procedures relating to the management of your Personal Information, you may contact Prêt sur demande at 1-855-776-2114 or visit www.www.pretsurdemande.com