OVERVIEW
This website is operated by Fina Capitale. Throughout the site, the terms “we”, “us” and “our” refer to Fina Capitale. Fina Capitale offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our site and/ or filling out an application, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.
Any new features or tools which are added to the current platform shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
SECTION 1 - PERSONAL INFORMATION
Fina Capitale, gathers, utilizes and divulges personal information for purposes restricted to those which are identified with its organization(s). Personal information implies any data about a person which permits that person to be recognized. Personal information that Fina Capitale gathers may consists of but isn't restricted to your name, address, phone number, social insurance number (if provided), email address, employment information, salary, and other financial related information such as, banking, vehicle, and reference data. Fina Capitale gathers this data to: affirm your identity and qualify you for the services for which you have applied, including acquiring a credit data report about you or your financial related history; assess your present and ongoing reliability; confirm some other information you furnished in your application; locate you to collect outstanding obligations; assess and settle on a decision concerning your application; coordinate credit reports about you to decide your underlying and continuous qualification for, and providing the services you request; open, screen, control, administration and close your loan; enforce your loan; gather your outstanding debts to Fina Capitale; meet legal, administrative, security and information processing requirements; speak with you by different methods as outlined in our Privacy Policy, and promote and products and/or services, including those of third parties, to you that we accept may address those issues or hold any importance with you.
By filling out an application on our website, you authorize Fina Capitale to confirm the entirety of the data that you have given to us (either directly or indirectly). You, as needs be, grant us the right to acquire a copy of your credit report from at least one credit reporting agency and to contact your employer to confirm your employment, as relevant. You assent that Fina Capitale may utilize any credit reports that we get to evaluate your underlying and progressing financial soundness. You recognize that by completing an application, this permits Fina Capitale to offer you products and services from Fina Capitale and third parties. You agree to Fina Capitale gathering, utilizing and revealing your personal data for the reasons clarified in this and in our Privacy Policy. You completely discharge Fina Capitale and any third party to whom Fina Capitale shares your personal data with, from risk that may result from our respective collection, use and exposure of your personal data.
Your submission of personal information through the website is governed by our Privacy Policy. To view our Privacy Policy please visit our website www.finacapitale.com. If any discrepancy between this and the privacy policy, the privacy policy will prevail.
SECTION 2 - RESPONSIBLE LOAN POLICIES
All online loan requests are assessed, and a selection method is conducted to verify and confirm that borrowers are able to repay their loan. This involves, but is not restricted to:
Verify that your salary meets our criteria; ensure that your bank account does not contain an excessive amount of NSF charges; determine whether your previous/current financial obligations will interfere with your new loan reimbursement capacity.
Following this assessment, your loan request will be accepted if your file meets our norms.
SECTION 3 - CREDIT REPORT VERIFICATION
All applicants can be subject to a credit report verification. By filling out our application form, you agree/give us consent to verify your credit report. We do not solely rely on your credit history in order to make a decision on your file however this is one of the factors. A credit verification is the last step in our underwriting process in order to benefit the applicant.
SECTION 4 - SECURED PERSONAL LOAN
12 to 60 months amortization period. Loan amounts vary from $5000 to $100,000. The interest rates range from 11.99 percent to 17.99 percent. The duration of your loan repayment term and the amount of your loan will depend on the size of your loan and your credit history. Personal secured loans may be subject to additional fees and are subject to a 3-month loan interest penalty if the loan is paid out before the end of the original loan term.
SECTION 5 - UNSECURED PERSONAL LOAN
12 to 60 months amortization period. Loan amounts vary from $3000 to $50,000. The interest rates range from 19.99 percent to 33.99 percent. The duration of your loan repayment term and the amount of your loan will depend on but is not limited to; the size of your loan and your credit history.
SECTION 6 - DATA REPORTING TO CREDIT BUREAUS & IMPACT ON CREDIT SCORES
Fina Capitale reports all our loans to the credit bureau(s) unless you advise us not to report your loan. However, should you choose to not have us report your loan to the credit bureau(s), we will comply to your request unless you default on one or more payments. Should a defaulted payment occur, your loan will be reported to the credit bureau(s). Making your payments on time and in full may improve your credit score. On the contrary, not making your payments on time, not making your entire payment, or having too many loans will negatively impact your credit score.
SECTION 7 - INTEREST RATE (APR, ANNUAL PERCENTAGE RATE)
Loan terms from 12 to 60 months. APR: 11.99% - 33.99%. Example: the total cost of borrowing 1000$ at 14.99% for 12 months is 1,161.47$ (weekly payment of 20.74$).
Fina Capitale does not charge any administration fees on personal loans.
SECTION 8 - LOAN REPAYMENT TERMS
The loan repayment terms here at Fina Capitale range from 12 months to 60 months depending on but not limited to; the loan amount and your credit score.
SECTION 9 - DEFAULTED PAYMENTS & ROLL OVERS
You will be charged $45 for any defaulted payment or refused payment by your bank such as insufficient funds or stop payment and $35 for a payment postponement (roll over) to modify your original loan schedule. All fees will be postponed to the end of your contract by default.
In a case of emergency where you will not be able to meet a scheduled payment and you wish to apply a roll over (postpone payment) please contact us 72 hours in advance to do so.
If you respect your original payment schedules and make your payments on time, you will have a great payment history with us, and this will ensure you exceptional services for future loan renewals.
SECTION 10 - LOAN RENEWALS:
If you keep a good payment history with us and respect your scheduled payments, you may be able to renew your loan at our discretion. A loan renewal does not happen automatically you must pay down a certain percentage of your loan. You have to request a loan renewal and it needs to be accepted on our end.
SECTION 11 - EXAMPLE OF LOAN REPAYMENT
REPLACE WITH DISCLAIMERSECTION 12 - RESPONSIBLE COLLECTIONS
Our organization utilizes the responsible collection procedures that are compliant with Canadian legal requirements along with Quebec’s Office de la Protection du Consommateur (OPC).
In the event that an issue happens during the time that you are reimbursing your loan with us, our collection officers will contact you as soon as possible through several types of communications such as telephone, email, and/or mail in order to make a payment arrangement with you while considering your present circumstance. Defaulted payments according to the arrangement you’ve made with our collection officer will accrue interest on the outstanding balance. The borrower is responsible for any/all legal expenses from recuperating a past due balance. Fina Capitale may work with third-party collection agencies to help with collections and may have to disclose your personal information to the third-party collection agencies.
SECTION 13 - ONLINE WEBSITE TERMS
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products and/or services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature.
A breach or violation of any of the Terms will result in an immediate termination of your Services.
SECTION 14 - GENERAL CONDITIONS
We reserve the right to refuse service to anyone for any reason at any time.
You understand that your content (not including banking information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Banking information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
SECTION 15 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
SECTION 16 - MODIFICATIONS TO THE SERVICE AND PRICES
Interest rates, brokerage fees, as well as all other relevant fees for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, interest change, suspension or discontinuance of the Service.
SECTION 17 - OPTIONAL TOOLS
We may provide you with access to third-party tools such as but not limited to instant bank verification, over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.
SECTION 18 - THIRD-PARTY LINKS
Certain content, products and services available via our Service may include materials from third parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties.
We are not liable for any harm or damages related to the services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
SECTION 19 - USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
SECTION 20 - ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to service descriptions, pricing, interest rates, promotions, offers, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel applications if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your application).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
SECTION 21 - PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
SECTION 22 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall Fina Capitale, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
SECTION 23 - INDEMNIFICATION
You agree to indemnify, defend and hold harmless Fina Capitale and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
SECTION 24 - SEVERABILITY
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
SECTION 25 - TERMINATION
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
SECTION 26 - ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
SECTION 27 - GOVERNING LAW
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of 6095 Boul. Metropolitain East, Montreal, Quebec, Canada H1P 1X7
SECTION 28 - CHANGES TO TERMS OF SERVICE
You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
SECTION 29 - CONTACT INFORMATION
Questions about the Terms of Service should be sent to us by email at info@finacapitale.com or by mail 6095 Boulevard Metropolitan East, Montreal, Quebec, Canada H1P 1X7.
WARNING
We warn all applicants to be responsible and careful with loans of any type. Here at Fina Capitale, we offer help when there are no other solutions available to you. The interest rates are greater than traditional banks. These sorts of loan ought to not be utilized when other solutions are accessible to the borrower. If a loan at a conventional bank is not accessible and you have properly weighed the decision, a loan from us at Fina Capitale can be the suitable solution to your needs!
You agree that you have read this Terms and Conditions document as well as our Privacy Policy cautiously. Subject to lawful or contractual obligations and reasonable notice, you reserve the option to change or pull back your consent whenever; be that as it may, doing so may influence our capacity to furnish you with our products and services.
By executing this document, and as a condition of Fina Capitale giving you credit, you make the accompanying statements and warranties: (a) the information that you have given to us (including on your application) is accurate, correct and complete; and (b) you are not contemplating filing for a consumer proposal and/or bankruptcy within the following six (6) months and have not consulted with a trustee or attorney concerning insolvency, bankruptcy or a consumer proposal in the last six(6) months.
