Terms & Conditions

Please read these terms and conditions of use carefully before using this website. ​

 

Your use of Creditlinx.ca depends on your acceptance, without modification, of the following terms and conditions (the “Terms and Conditions”). By using Creditlinx.ca you accept these Terms and Conditions.

Modifications of the Terms and Conditions

 

We may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the Creditlinx.ca web site. Your continued use of the Creditlinx.ca website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions.

How We Work

 

When you submit an application to Creditlinx.ca (the “Application”) we work together with service providers to process your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers in order to locate an appropriate credit provider for you.

Authorization

 

By submitting an Application, you certify that all information which you provide in the Application is true and complete and you authorize us, our agents or affiliates to:

  • obtain any and all credit information concerning your Application from any sources which we deem appropriate;

  • obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application;

  • communicate with you in-person, by telephone, mail, email, text or any social media platforms;

  • provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender’s loan offer (if any) you choose to accept, or whether your Application for credit is denied; and

  • sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application.

 

You can withdraw your consent to being contacted by us at any time by notifying us at info@creditlinx.ca or by using the unsubscribe option on any of our electronic messages.

Links

 

We do not warrant the authenticity or reliability of the websites linked to the Creditlinx.ca website and is not responsible for the contents of any linked website. The inclusion of a link on the Creditlinx.ca website does not constitute our endorsement of the linked website. Use of any such linked website is at the user’s own risk.

Minors

 

This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the Creditlinx.ca website, or any services provided in conjunction with the website, under the supervision of an adult. We does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law.

Restricted Access

 

In its sole discretion, in addition to any other rights or remedies available to us, and without any liability whatsoever, we may at any time, without notice to you, terminate or restrict your access to any component of the Creditlinx.ca website.

Governing Law

 

This use of the Creditlinx.ca website and any claims against us shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of Creditlinx.ca website and these Terms and Conditions.

Privacy Policy

 

Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal information safe (“Privacy Policy”).

We are committed to protecting the privacy and security of your personal information obtained through your Application and your customer relationship with us. Our Privacy Policy outlines the types of personal information we collect, how it is used, and the steps we take to ensure your personal information is handled appropriately. Our Privacy Policy applies to the personal information practices on the Creditlinx.ca website and through any interactions with you.

 

Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available on our website or by contacting us using the contact information provided on the Creditlinx.ca website.

Personal Information

 

Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase patterns.

Examples of personal information we may collect, use and disclose include your contact information, your financial information and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the Creditlinx.ca website and services.

Collecting Personal Information

 

We will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. We will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date.

Using and Sharing Personal Information

 

We may use or share your personal information and Application to:

  • obtain any and all credit information concerning your Application from sources which we deem appropriate;

  • obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your Application;

  • communicate with you in-person, by telephone, mail, email, text or any social media platforms;

  • provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender’s loan offer (if any) you choose to accept, or whether your Application for credit is denied; and

  • sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application.

 

Protecting Your Personal Information

 

We protect your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information.

Sharing Your Personal Information

 

When your personal information is transferred to or shared with a third party, we require the third party to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under their contracts with us to maintain your confidentiality and may not use your information for any unauthorized purpose. If we are required by law to provide information, reasonable steps will be taken to verify the lawful authority for the collection and we disclose only the information that is legally required.

Retaining your Personal Information

 

Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.

Contacting You

 

By accepting the terms of this Privacy Policy, you consent to receiving in-person communications, mail, emails, text messages, phone calls, or contact via social media platforms about additional products and services from us or any of our agents or affiliates. If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy.

Accessing your personal information stored by us

 

You have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at the address provided in the “Contact us” section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request – for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Responding to Privacy Concerns or Complaints

 

We will respond in a reasonable time to your questions, concerns and complaints about the privacy of your personal information and our privacy policies and procedures. We will investigate and respond to any concern you have regarding the handling of your personal information. We have designated a privacy officer (“Privacy Officer”) who is responsible for our compliance with this Privacy Policy, and for ensuring that information about our policies and practices relating to the management of personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance with it should be directed to the Privacy Officer in writing, and sent by email to info@creditlinx.ca.


Examples and Rates

 

The prices and programs displayed on the pages of the Creditlinx.ca website are solely applicable to loans we process. These samples are provided solely for educational reasons and do not constitute an actual offer to make a loan or approval of any loan conditions.

Rates and programs are subject to change without notice, and not all applications will be accepted.

We do not offer personal unsecured loans.

Actual interest rates and loan terms cannot be calculated until an application has been submitted online (through Creditlinx.ca website) or in writing, together with all needed documentation. Applicants must meet our underwriting requirements as well as the loan approval contingencies, which include financial information verification.

An appraisal, title review, and no change in financial status are all requirements for mortgage approval. Some types of mortgages aren't available in all states.

We try to provide the most useful examples with reasonable care, but we cannot guarantee their accuracy or completeness. Information is supplied "as is," with no express or implied warranties, and any such warranties are expressly disclaimed. We disclaim any and all liability for any loss, damage, or expense resulting from any inaccuracies or omissions in these materials, whether in contract, tort, or otherwise.

Posts, Links and Site Usage

 

Some of the information on the creditlinx.ca site contain hyperlinks to other blogs or websites. Those are supplied as a resource for you to use.

This site, as well as some of the articles on it, contain links to other online services and businesses. They are intended to be used as a tool to assist you in finding other resources of interest, not to state or imply that we sponsor, are affiliated with, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links.

We are not liable for any loss, injury, claim, responsibility, or damage resulting from the use of this site, or any site linked to it, whether due to content mistakes or omissions. To put it another way, you use our website at your own risk.

 

I / We hereby certify that the information given in the mortgage application form is true and correct and I / We understand that it is being used to determine my/our credit responsibilities. We are authorized to obtain any information they may require for these purposes from other sources (including, for example, credit bureau) and each such source is hereby authorized to provide them with such information.

I / We also understand that the information given in the application form as well as other information obtained in relation to my credit history may be disclosed to potential lenders, financial intermediary in relation to insurers, organizations providing technological or other support services required this application and any other parties with whom I / We propose to have a financial relationship.