Terms & Conditions of our service

These Terms and Conditions apply to the North'n'Loans website. Through this policy the users of the site and the services performed therein about the data collected by the company and the way it is used and shared.

Types of collected information

The operator of NorthnLoans.ca collects personally as well as non-personally identifiable information from or about the users of the site.

Personally identifiable information

The information collected through the NorthnLoans website may identify a particular person. The personally identifiable data is collected when you present it by means of completing one or more stages of the online application form while applying for a short-term payday loan from one of the direct lenders participating in the network or by sending any questions through the site. The personally identifiable details include the name, telephone number, physical address, email address, social security number, date of birth, information related to the home ownership, data concerning employment, the number of driver's license and state, citizenship status, active military information, details referred to the banking account and amount and frequency of paydays.

Non-personally identifiable information

Non-personally identifiable information is an anonymous data that can't be associated with any particular person. The non-personally identifiable details collected through the website (either directly, via the use of the third-party tracking system or cookies) include the type of browser and language, the IP address of the computer making the request, access times, data related to the links selected by the users to visit on the website, details referred to the areas of the website visited by the users.

IP addresses are not linked to the personally identifiable data. They are typically not associated with the personal computer, but with the portal through which the users access the Internet. A 'cookie' is a piece of data the site sends to the user's computer while the user is viewing the site to remember who the user is without any personal identification.

For the purpose of the trend and statistical analysis of the site, the company can share the non-personally identifiable details with the third parties and suppliers only in a form of summary.

Data collected by the third parties

NorthnLoans.ca may let the third parties, including payday lenders and advertising partners, present advertisements on the website. The tracking technologies including cookies may be used by these companies to collect the data related to the users of the site who interact or just view the advertisements. Personally identifiable data is not provided to these third parties.

How personally identifiable information is used by North'n'Loans

The personally identifiable details provided to the company by the website users is used to provide you with the services or products you request, to perform a quality customer support, to review and verify the application details in order to define whether they meet the qualification criteria performed by participating lenders, to contact with the users by telephone, email and/or mobile devices, postal mail about the services and products which may be of interest to you either from our company, marketing partners or other third parties, to perform statistical or data analysis on the site use, to present advertising tailored to your background or interests, to enforce our terms and conditions, and to provide any other functions otherwise performed to the users at the moment the data is collected.

North'n'Loans company may use or review the users' information as well as social security number with the purpose of matching you with the payday loan lenders participating in the web network or other third party loan lenders with whom we can have business relationships. The users' social security number and some financial information can be reviewed in order to verify the individual's identity and to prevent any possible fraudulent transaction.

Sharing personally identifiable information

NorthnLoans.ca may share the personally identifiable information, including with no limitation the users' financial account details and social security numbers, with the participating pay day lenders and other third party lenders with whom the company may have business relationships. The users' personally identifiable details can be used by the third party lenders to offer a payday loan to the site users or to communicate with you about the other marketing or business offers. Additionally, the users' personally identifiable information, including the social security number and financial account details may be shared with the list managers and unaffiliated third party marketers with whom the company may have business relationships.

Any third parties with whom the company shares the personally identifiable data may have their own policies describing the way they disclose and/or use these details. Those policies will govern the handling, use and disclosure of the users' data once it is shared or transferred to the third parties as described in these Terms and Conditions.

NorthnLoans.ca will disclose the personally identifiable information of the website users in response to an investigative demand similar to subpoena, a request for cooperation from the government or other law enforcement agency or a court order; to prevent legal claims; to exercise or enforce the legal rights of the company; or as otherwise required by the law. The users' personally identifiable information will be disclosed when such disclosure is believed to be necessary to prevent, investigate or take action concerning suspected fraud, illegal activity or other wrongdoing; to defend and protect the property, rights, or safety of the company, its employees, site users or others; to enforce the terms and conditions as well as other policies and agreements referred to the website.

Additionally, in case all or substantially all of stock and/or assets of North'n'Loans company are sold or transferred to another entity, the company may transfer the personally identifiable details to the acquiring entity.

Links to third party websites

North'n'Loans may provide links to the third party websites or automatically redirect users to other websites which don't operate under these Terms and Conditions. For instance, if you click on the advertisement performed on the website you can be brought to the site that is not controlled or operated by NorthnLoans.ca. It is advisable to review the terms of use and privacy policy of any third party website you access. Bear in mind that any third party website can independently collect and solicit data from you.

Children

NorthnLoans.ca is not intended to be used by children under 13 years. The company doesn't knowingly collect personally identifiable details from children under 13 years.

Changes

The policies, information, content, disclosures, promotions, features and disclaimers can be modified, revised, supplemented and/or updated without any prior notice at any time at the absolute and sole discretion of NorthnLoans. Any changes to these terms and conditions will be posted on the site.

Security

North'n'Loans has put in place technological, procedural and physical security measures in order to prevent any unauthorized access to and improper use of the data collected through the website.

Opting-out of further contact

NorthnLoans company provides the opportunity for the website users to opt-out if they don't want to receive any additional marketing material by means of clicking on the link at the end of received email.