Legal Notice

Legal Notice
This website (the “Site”) and its content are the exclusive property of Investis Capital Inc. and its subsidiaries (collectively thesd “Company”), having a place of business at 8815 ave. Parc, Montreal, Qc, H2N 1Y7.

Your use of this site and all transactions or requests for information made through the Site are subject to compliance with these general conditions of use of the Site (the "Conditions") and privacy policy ( politics ").

General conditions of use of the website
Terms of use

By accessing the Site, using it, consulting it or making requests for information or loans, in particular via an online form, you acknowledge the applicability of these Conditions and you agree to respect them and to not make any use of this Site i) that does not comply with applicable laws or ii) that could harm the Company in any way.

The Company reserves the right to modify the Conditions at any time, without notice. By continuing to use and consult this Site following any modification, you accept the new General Conditions of Use. We recommend that you consult the Conditions in force when using this Site.

This Site as well as all logos, texts, graphics, images, videos, sound tracks and all the arrangements of the various preceding elements are the property of the Company and are protected under the laws and regulations applicable to property. intellectual property rights and copyright protection in Canada and elsewhere in the world.

The content of this Site, including in particular all logos, texts, graphics, images, videos, sound tracks or any other elements of this Site may not be, in part or in whole, copied, reproduced, printed, archived, republished, downloaded. , posted, sold, transferred, transmitted, modified or otherwise disseminated, in hard copy or any other known or future format, electronic or otherwise, without the prior written consent of the Company. Subject to compliance with these Conditions, you may however view and print the elements forming part of this Site for strictly personal and non-commercial purposes.

The trademarks related to the Company present on the Site are trademarks which are the exclusive property of the Company or used under license and are protected under the laws and regulations applicable to trademarks in Canada. and elsewhere in the world.

Nothing on this Site should be interpreted as creating, implicitly or explicitly, a license or any right to use or reproduce any trademark whatsoever, except with the prior written consent of the Company or any other party that may own the trademark (s) in question.

Modification of the information presented on the site
The services displayed on this Site represent services offered in Canada by the Company. The Company makes its best efforts to provide you with a precise description of the services offered. The Company assumes no responsibility for any inaccuracy, error or omission in the information contained on this Site in relation to the services displayed. The Company reserves the right to make any modification at any time and without notice. Information relating to these services may be modified, substituted or deleted at any time and without notice by the Company.

Exclusion of liability
Please note that the information presented on the Site reflects the data it had at the time of the development of the content of the site and is therefore disseminated in good faith, "as is" and without any guarantee or condition.

The Company can in no way be held responsible for any damage caused to the user of this Site, to his computer or to his data or for any other damage, direct or indirect, suffered in direct or indirect connection with the use of the this Site, including without limitation by reason of a request or a transaction made via the Site, or the impossibility of using this Site and for this purpose, the Company declines all such responsibility, including in particular, any liability in damage resulting from any virus, worm or computer program of an invasive or destructive nature. At no time can the Company, its shareholders, directors, employees or agents be held liable, towards anyone, for any direct, indirect, incidental, consequential or other damage arising from or relating to the use of the Site or in relation to its content. Use of this Site and the interpretation of the information it contains is at the user's own risk.

Links to other sites
The Site may contain links to other sites owned by third parties. Please note that the Company has no control over the content of these sites. Therefore, the Company, its shareholders, directors, employees or agents can not be held responsible for the information appearing on such websites, and does not offer any guarantee or make any representation whatsoever in this regard. These links are provided for informational purposes only and do not constitute an endorsement or recommendation to the entities covered by these links.

Collection of personal information
For the purposes hereof, "personal information" means in particular: any information concerning the personal or material situation of an identified or identifiable individual. An identifiable person is a person who can be identified, directly or indirectly, by reference to one or more specific elements, specific to his physical, physiological, psychological, economic, cultural or social identity. Without limiting the generality of the foregoing, "personal information" also includes your name, gender, address (mailing or email), telephone, mobile or fax numbers, your employer, your income, your social insurance number. and your bank account numbers as well as any personal information provided to the Company for the purpose of obtaining a loan.

In addition, the Company may collect personal information for the following purposes:
* When you visit or transact on any of the Company’s websites;
* When you apply for a loan (including completing the interactive online form or answering questions from our customer service agents);
* When you request information relating to one of its services;
* When you communicate with the Company's customer service or with any of the Company's employees or agents;
* When you make comments or suggestions on the site or on the services.

Be informed that personal information will be collected in particular because you will be invited to complete and submit a form. We need this information in order to provide customer support, administer customer accounts and / or provide our services to you. The Company may use this information for commercial and marketing purposes.

We do not share any personal information of our customers with third parties, except for internal and external service providers whom we use in order to simplify or outsource one or more aspects of operations relating to business, products. and the services we provide to you, unless you have given us permission to do so. These service providers are subject to confidentiality agreements with us as well as other legal restrictions that prohibit them from using the information we provide to them for any purpose other than to facilitate a specific transaction that we entrust to them. subcontracting, unless you have explicitly agreed to it or have given them your prior authorization so that they can use your information for other purposes.

Use of personal information
The Company may use personal information for the following purposes:
* Identify customers, employees and suppliers in order to establish and maintain relationships with them;
* Provide ongoing services to clients in order to ensure the delivery of the services offered in an appropriate manner in order to better orient clients when using the services;
* Improve services;
* Provide information to Company clients on other Company services likely to be of interest to them;
* Prevent errors and fraud;
* Comply with legal and audit requirements.
* In addition, the Company may also use personal information for the following specific purposes:
* Respond to your money loan requests;
* Evaluate your financial situation and offer you financial products adapted to your needs;
* Set up a file which will be summarily communicated to a lender;
* Inform you about the offers of financial products likely to interest you;
* Manage the loan for which you have requested and / or which has been granted to you;
* Adapt your browsing on our sites to your personal situation;
* Make it easier to renew a loan or your paperwork when you apply for a new loan;
* Verify your identity and your job;
* Detect and prevent possible fraud;
* Find or track you down if necessary;
* Any other purpose that may be provided for in an agreement or specific convention with the Company.
* Finally, the Company may also use personal information to establish statistics on its business. These statistics do not contain any data that could personally identify customers, employees or suppliers.

Other uses of personal information
In the event that the Company considers or proceeds to i) the sale of all or part of its assets, ii) a change of control, iii) a financing, and iv) a merger with another company, the personal information in its possession could be communicated to any person required in connection with the study or the execution of the transactions envisaged above. However, this personal information should be used in strict accordance with the Policy.

Disclosure of personal information
The Company will refrain from exchanging, renting or selling your personal information to a third party other than what is provided for in the Policy without informing you or having obtained your consent.

Notwithstanding the foregoing, the Company nevertheless reserves the right to disclose personal information to a third party in certain specific circumstances, notably i) to your employers in order to confirm the veracity of the information transmitted to the Company, ii) to law firms. lawyers or collection agencies responsible for collecting debts which are due when the client has not, for whatever reason, honored his obligations to the Company, and iii) to any person in order to comply with any law or regulation applicable or order of a court of competent jurisdiction.

Transfer to third parties and / or agents
Certain services offered through the Company may be provided by third parties in conjunction with the Company. In order to provide you with the services you request, the Company may transfer information about you to these third parties, including lenders previously approved by the Company.

When the Company must transfer personal information to third parties for processing on its behalf, the Company signs an agreement providing for appropriate privacy protection provisions before any information is transferred to the third party. These provisions must provide that the third party will only use such personal information for its own purposes, that it will protect its confidentiality and that it will treat the information only as directed by the Company.

Access to your personal information and modifications
Your requests for access to your personal information in the possession of the Company should be addressed to the person in charge at the contact details appearing in paragraph 2.1, in particular for any question relating to your credit report or recommendations concerning your solvency. You can update or correct any personal information about you that the Company holds by making a written request to the manager. Finally, you can also address to the manager any complaint relating to compliance with the Law or the Policy by the Company.

You can withdraw your consent to the Company using or communicating your personal information by making a request to the person in charge using the contact details appearing in paragraph 2.1. You may be asked to provide an appropriate identification document or to identify yourself otherwise. In certain circumstances, the withdrawal of someone's consent to the use or communication of certain personal information may result in the Company no longer being able to provide them with certain services, including in particular granting them the loan requested or comply with the service requested, or that any loan granted to it becomes due and payable.

Retention of personal information
You consent to the Company keeping your personal information once the transactions covered by it have been completed. As such, your personal information will be kept after the end of the contract between you and the Company.

All personal information collected by the Company is protected by reasonable security measures to ensure its protection given its sensitivity. Personal information stored electronically, including all information collected through the Company's websites, is kept in secure confidential databases. The Company evaluates its safety equipment and procedures regularly and modifies them as necessary.

Use of cookies
In addition to personal information, the Company uses information collection tools such as cookies on certain pages of its Site in order to analyze site navigation and the effectiveness of promotional campaigns. Cookies are pieces of information that a website sends to an Internet user's hard drive while visiting a web page. Cookies allow the site to remember important information that will make your visit to the site more useful. The Company uses cookies to improve your subsequent visits. If you do not wish to receive cookies or if you wish to configure your browser to notify you each time a cookie is sent, or if you wish to disable all cookies, use your browser options to do so. Please note that by disabling cookies, you may not be able to take advantage of certain features available on the Site. The Conditions and Policy will be governed by and interpreted in accordance with the laws of the province of Quebec and the laws of Canada applicable therein, without giving rise to any conflict of laws, whatever the principle. Any legal proceeding, recourse, claim or proceeding of any nature whatsoever emanating from or related to the Site will be brought only in the courts of the judicial district of Montreal, province of Quebec, Canada, to the exclusion of any other competent judicial district.

Contact us
For any questions regarding these General Conditions of Use and the Policy, please contact us at the following coordinates:

By phone: 1-833-649-6331
By email: [email protected]
Par la poste : 8815 ave. Parc, Montréal Qc H2N 1Y7

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