Terms of Use

These terms of use apply to the LendingMate.ca website (referred to as Site), which is operated by LendingMate Finance Inc (we, us and our). By using the Site, you agree to these terms and conditions.

Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities. In certain circumstances, the data collected by us or our service providers through use of cookies, pixels, click re-directs and tag containers may constitute personal information. For more information about the purposes for which we collect, hold and use your personal information, please see our Privacy Policy.

We or our service providers may collect the following types of Site related information:

  • Information in relation to your web page 'http headers' and home server domain names, IP address, the type of computer you are using, and the type of web browser you are using.
  • We also collect information, on what pages visitors to our Site access. This information can be both user specific or collected in aggregate.
  • We receive and store certain types of information, e.g. 'cookies', whenever you interact with our Site.
  • The email addresses of visitors that communicate with us via email. To ensure that we are providing materials of interest to you, we may monitor whether you opened a particular email or have clicked on the images or links therein.
  • To enhance usability and for website behavioural analysis, we collect information related to the way in which you use our Site; in particular, whether you complete online forms or, if not, where you drop off as well as your movement around the page.

Sensitive information

Sensitive information is any information about a person's racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it may also be captured and stored where you have consented to us collecting and holding such sensitive information and we determine that the information is reasonably necessary for one or more of the purposes outlined in our Privacy Policy.

Information from third parties

Our Site also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our Site and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties. Where you access a Third Party website from our Site, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. For example, your bank may confirm your debit cards billing address with us to verify your Identity.

Advertising and tracking

When you view our advertisements on a Third Party website, advertising companies may use 'cookies' and in some cases 'web beacons' to collect information such as: the server your computer is logged onto;

  • your browser type;
  • the date and time of your visit; and
  • the performance of their marketing efforts.

When you access our Site after viewing one of our advertisements on a Third Party website, an advertising company may collect information on how you utilize our Site (e.g. which pages you view) and whether you complete an online application.

We may use service providers that track your website usage behaviour while on our Site for the purposes of providing us with information to determine how better to organise our pages. We may also use service providers to assist us conduct A/B testing.

Cookies

We use 'cookies' to provide you with better and more customised service and with a more effective Site.

A 'cookie' is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We and our service providers use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;
  • to customise our Site for you;
  • for statistical and/or behavioral analysis purposes;
  • to identify if you have accessed a Third-Party website; and
  • for security purposes.

In certain circumstances, data collected from use of cookies may reasonably identify you and/or potentially constitute personal or sensitive information. By using our Site, you consent to our use of cookies pixels, click re-directs and tag containers and the data they may collect.

Online applications

When you send an online application to us, we retain the information contained in that application. We are able to then use that information to provide the financial services that you are approved for by us.

You may be able to also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems for a reasonable amount of time so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

We may use service providers to analyze the way you fill out our online forms. We will not be liable or responsible for:

  • Any failure to perform, or delay in the performance of, any of our obligations under these Terms of Use that is caused by any act or event beyond our reasonable control, including failure or suspension of public or private telecommunications networks;
  • Any loss or damage caused by a distributed denial-of- service attack, viruses or other technologically harmful material that may infect your mobile device, data or proprietary material due.

Security of information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take reasonable steps to protect the information in our systems from misuse, interference, loss, and unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take reasonable steps to destroy or anonymize the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with these Terms of Use and our Privacy Policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

You understand that any message or information you send using the Site may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

All content and services on or available through the Site are provided on an 'as is' basis and we do not make any representation or give any warranty or guarantee in respect of the Site or its content.

You indemnify and will keep us indemnified for any claims or liabilities that you or we may be liable for as a result of your breach of these Terms of Use.

You agree that by using the Site, you will be solely responsible for ensuring the security of access to the Site by third parties.

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us, you may submit a request to hello@lendingmate.ca. We will respond to your request as soon as practicable.

Disclosure to overseas entities

Personal information collected by us or our service providers, as well as any data collected from the use of cookies, pixels, click re-directs and tag containers, may be processed and stored outside of Canada, including in the United States and the United Kingdom. While outside of Canada, this information will be subject to applicable local laws, which may permit government or national security authorities to access the information in certain circumstances.

Trademarks and copyright

All copyright, trade marks and all other intellectual property rights in the Site and its content (including without limitation the pages screens, information and material) included in the Site and all software and source codes connected with the Site ("Intellectual Property") is owned by LendingMate or its related companies unless otherwise noted.

Any use of the Intellectual Property without LendingMates express permission is prohibited.

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