www.debtcheck.ca Consent for Electronic Signatures, Records, and Disclosures (“E-Consent”)

Introduction

You are submitting a request to be connected with one of our third-party debt counsellors. To offer you a debt management service, one or more of the third-party debt counsellors in our network of debt counsellors need your consent to use and accept electronic signatures, records, legal disclosures, and other communications (“E-Consent”). www.debtcheck.ca makes no representations as to what, if any, communications you may receive from your debt counsellor.

This is intended to put you on notice of your rights when receiving disclosures, notices, and information. By clicking “I Consent,” or other links assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contractual documents (“Disclosures”).

OPTION FOR PAPER RECORDS/DISCLOSURES

If you would like to receive a paper copy of any Disclosures, please contact your third-party debt counsellor directly. These Disclosures may be available to you by the third-party debt counsellor. Please note, some debt counsellors may charge a fee for sending you paper copies of Disclosures. The Debt counsellor will retain all Disclosures as the applicable law requires.

Scope of Consent

This E-Consent applies to all interactions online between and concerning you and the third-party debt counsellor and includes interactions engaged in on any mobile device, including smart-phones, phones, and tablets. The third-party debt counsellor, through this E-Consent, may process your information and interact during all online interactions with you electronically. You may also receive notices sent electronically from the debt counsellor related to your interactions and transactions with the third-party debt counsellor. Disclosures may be provided online at the third-party debt counsellor’s website(s).

Consenting to do Business Electronically and System Requirements

Prior to deciding whether or not to conduct business electronically with a third-party debt counsellor, please first consider whether you have the hardware and software capabilities required to do so. To access, obtain, and retain Disclosures electronically, the following computer software and hardware are required: 1) A PC or MAC compatible computer or other device capable of accessing the Internet; 2) access to a working email account; and 3) an Internet Browser software program that can support at least 128 bit encryption (i.e. Firefox, Internet Explorer, Netscape, etc.); 4) you may need Adobe Acrobat Reader X® or Foxit® to read some PDF documents; and 5) a printer or long-term storage device (i.e. computer disk drive). Please direct any questions you may have regarding these hardware and software requirements directly to the third-party debt counsellor.

Modification of Consent Terms

www.debtcheck.ca reserves the right to modify these terms and conditions at our discretion, without notice.

Withdrawing Your Consent

Your E-Consent for our debt counsellor-connecting service and for our third-party debt counsellors’ consideration of your connecting request cannot be withdrawn as it is a one-time transaction. Its legal effectiveness, validity, and enforceability will not be affected if you choose to withdraw this E-Consent. Upon being connected with one or more third-party debt counsellors, you may withdraw your E-Consent with any of those third-party debt counsellors at any time, and at no charge to you. Please note, if you withdraw your E-Consent prior to receiving a debt management service, you may be prevented from obtaining a debt counsellor service from the debt counsellor.

Change of Contact Information

Please keep the third-party debt counsellor up-to-date of any change(s) to your electronic address or mailing address. To update your information, you may log into the third-party debt counsellor’s website or send the third-party debt counsellor your updated information via mail.

Your Ability to Access Disclosures

BY CLICKING THE LINK OR “I CONSENT,” YOU ASSENT TO THE TERMS OF THIS DISCLOSURE. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE FORMATS DESIGNATED ABOVE.

Consent

BY CLICKING THE LINK OR “I CONSENT,” YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU ELECTRONICALLY, AND TO DOING BUSINESS WITH THE THIRD-PARTY DEBT COUNSELLOR ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, TO BE PROVIDED TO YOU UPON REQUEST AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED IN ORDER TO RECEIVE SERVICES FROM THIRD-PARTY DEBT COUNSELLORS OVER THE INTERNET. IF YOU DO NOT PROCEED, THEN YOU DO NOT WISH TO USE ELECTRONIC SIGNATURES OR CONDUCT THIS TRANSACTION ELECTRONICALLY.

Privacy Policy

The type of personal information we collect:

The information/data that we collect from you may include the following details:

1. Name
2. Residential status
3. Email address (if applicable)
4. Telephone numbers
5. Debt Level
6. Creditor Details – Who you owe the money to and how much
8. Employment Status
9. What you can afford to pay or are currently paying
10. IP Address
11. What you do on our website (please refer to ‘Cookies’ section)

How we get the personal information and why we have it:

The personal information we process is provided to us directly by you for one of the following reasons:

You submitted an inquiry on one of our websites for debt help. We will contact you by phone, email, SMS, or WhatsApp in relation to your inquiry. We have received your information from one of our trusted partners in relation to an unsuccessful loan or debt help inquiry that you made with them. We use the information to help you with your inquiry.

We may share this information with:

Our debt solution partners: Consolidated Credit Counselling Services of Canada Inc, so that they can provide you with debt counselling advice and deal with your inquiry.

Our regulators, such as the Information Commissioner’s Office or any other regulatory body or authority may request certain information as part of supervising us. We have a legal or regulatory obligation to provide this.

We may also share your information with:

IT Service Providers who provide IT platforms or other IT services Communication providers (e.g. telephone line providers, and email and text service providers) These companies help us to provide our services to you. We may also share your personal information where we have your consent to do so or if required to do so under a legal or regulatory obligation. Under the General Data Protection Regulation (GDPR), the lawful bases we rely on for processing this information are:

(a) Your consent. You are able to remove your consent at any time. You can do this by contacting [email protected]

(b) We have a contractual obligation.

Your personal data will also be processed as we need this information to fulfil our obligations under the contract we have entered into with you in order to introduce you to our debt solution partner to provide you with debt counselling advice.

(c) We have a legitimate interest. We have a legitimate interest in processing your data (i.e. to share your debt inquiry with our debt solution partner) to obtain debt counselling advice. We will also use this information to contact you about and process your inquiry, for example, sending you an email or text message.

We are required to process your personal information where we have a legal or regulatory obligation to do so, for example, to adhere to anti-money laundering or our regulatory obligations If you make an inquiry or complaint with us, we will use your personal information to investigate the complaint and deal with your inquiry. We have a legal obligation to deal with your complaint appropriately.

How we store your personal information

All personal information we hold is securely stored and we conduct our services through computer systems. If at any time we believe there has been a breach of your personal data, we will notify you immediately.

We will keep information provided by you during the application process, including your contact information (such as name, email address and telephone number), debt amount, residential status, Number of debts, Employment Status, What you can afford to pay for only as long as necessary to fulfil 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 but will not be used unless permitted by law.

Our contact details

Name: Triple Eight Media Ltd t/as DebtCheck
Address: Monomark House, 27 Old Goucester Street, London, United Kingdom, WC1N 3AX

Terms & Conditions

Acceptance of terms

By using DebtCheck you are fully accepting the terms, conditions and disclaimers contained in this notice, your access to and use of DebtCheck is subject to agreement of these Terms and Conditions.

Amendments

We reserve the right to change these terms and conditions at any time without prior notice, and your continued use of DebtCheck following any changes shall be deemed to be your agreement of any changes.

The service we provide

DebtCheck is a registered Trading Name of Triple Eight Media Limited. We are not a provider or advisor for debt solutions and therefore We will not provide solutions or advice directly to You; We provide an online referral service, We will introduce You to Providers of Debt Solution services. By submitting an inquiry through Our Website You will be giving Your consent for Us to pass your details to one of the Debt Solution Providers on Our panel. We will present Your inquiry in real time to one or more of Our Providers. It is important to understand that We may be paid a fee by the Provider for introducing You to them. There is no obligation for You to take up the service with them. You should read their conditions carefully and make a responsible decision on whether You believe their service is right for You. If You have any questions or are unsure You should contact the Provider before taking out any service with them.

Any examples of solutions stated on the Websites are purely given as a representative example relating to some of the solutions that may be available. There is no guarantee that all/any solutions will apply to your circumstances. We have no control over the decision making.

The Provider will conduct an assessment of your circumstances before providing potential solutions.

Customer checks & referencing

Upon confirmation to proceed, the Provider may use both fraud prevention and credit referencing agencies to help make relevant decisions. Credit checks and credit reference agencies can also help prevent fraudulent applications so We ask You to agree to using data provided for the purpose of preventing fraud and ensuring that Your identity is protected.

Information provided by You must always be true and accurate, as misleading information will be regarded as a breach of Our terms and is likely to breach any agreement You have entered into with a Provider. Misleading information may also result in the instigation of criminal procedures against You.

Information about You (including Your visits to the Website)

We will only process information about You in accordance with the privacy policy.

When You use Our website and form You consent to us processing Your personal information and therefore warrant that all information/data provided by You is accurate and correct.

Third party websites

The Website may include links to carefully selected third party websites which are controlled and maintained by others. We do not endorse these websites and we are not responsible for the content or availability of any such websites.

Intellectual property rights

In using the Website you agree that you will access the content solely for your personal, non-business related use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the site owner. All intellectual property rights, copyright or trademarks used in the Website and its content including without limitation the design, text, graphics and all software and source codes connected with the website are owned by DebtCheck.

Liability

We cannot guarantee that the Provider will offer you a debt solution. We will not be liable for any loss that you may incur by using this site unless we have not acted in accordance with these terms and conditions, been negligent or adhered to standards required by Canadian law.

Indemnity

You agree to indemnify and hold DebtCheck and our employees and agents innocent from and against all liabilities, legal costs, losses and other expenses in relation to any claims or actions brought against us arising out of any breach by you of these terms and conditions or other liabilities arising out of your use of this website.

Severance

If any of these terms and conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such term or condition shall be severed and the remaining terms and conditions shall remain in full force and effect and continue to be binding and enforceable.

Governing law

These terms and conditions shall be governed by and construed in accordance with the law of England and Wales. You hereby submit to the exclusive jurisdiction of the Canadian courts.

Complaints about this website

We work hard to ensure your experience on our website and with our services are of the highest service standards, however, if you feel we have not provided service to your expectations and you which you make a formal complaint, then you may do so by sending your complaint to us via email at [email protected]