These Terms of Use govern your credit application. When you apply for credit, you must agree to these Terms of Use before your credit application be processed by the lending company. The lending company will agree to analyze your credit application only if you accept these Terms of Use. Despite compliance with these Terms of Use, the lending company has no obligation to accept the present credit application. The acceptance or non-acceptance of the credit application and the continuance of a credit account is at the sole and exclusive discretion of the lending company. A debtor’s account may be de-activated at any time, at the sole discretion of the lending company, without any applicable damages against the lending company. These Terms of Use are applicable in addition to any other applicable agreement between the parties and remain valid throughout the credit service provided by the lending company.


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 urposes, 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.


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.


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.


The lending company may change its services and policies and the lending company may need to make changes to the Terms of Use. The lending company will inform you before changing these Terms of Use and give you the opportunity to review them before they come into effect. Thereafter, if you continue to use the services of the lending company, you will be bound by the revised Terms of Use.

(Terms of Use updated as of November 1st 2018).