Terms and Conditions

This website www.accordpret.ca and www.accordpret.com (the “Site”) and its contents are the exclusive property of 9388-3247 Québec Inc. and its subsidiaries (collectively the “Company”), having a place of business at 2700 Jean-Perrin Street, suite 170, Quebec City, QC G2C 1S9

Your use of this Site and any transactions or requests for information conducted through the Site are subject to compliance with these Site Terms and Conditions (the “Terms”) and Privacy Policy (the “Policy”).

1. GENERAL CONDITIONS OF USE OF THE WEBSITE

1.1 Terms of use

By accessing, using, consulting or requesting information or a loan from the Site, including via an online form, you acknowledge the applicability of these Terms and Conditions and you agree to comply with them and not to make any use of this Site (i) does not comply with applicable laws, or (ii) that may be detrimental in any way to the Company.

The Company reserves the right to change the Terms at any time without notice. Your continued use and viewing of this Site following any such change constitutes your acceptance of the new Terms and Conditions of Use. We recommend that you review the current Terms when using this Site.

1.2 Copyrights

This Site, as well as all logos, text, graphics, images, videos, soundtracks and all arrangements of the foregoing, are the property of the Company and are protected under applicable intellectual property and copyright laws and regulations in Canada and elsewhere in the world.

The contents of this Site, including but not limited to all logos, text, graphics, images, video, soundtracks or any other elements of this Site may not, in whole or in part, be copied, reproduced, printed, archived, republished, downloaded, displayed, sold, transferred, transmitted, modified or otherwise disseminated, whether in hard copy or in any other format now known or hereafter devised, electronic or otherwise, without the prior written consent of the Company. Subject to compliance with these Terms, you may view and print materials from this Site for your personal, non-commercial use only.

1.3 Trademarks

The trademarks related to the Company on the Site are trademarks that are either owned or licensed by the Company and are protected under applicable trademark laws and regulations in Canada and elsewhere in the world.

Nothing contained on this Site should be construed as granting, by implication or otherwise, any license or right to use or reproduce any trademark, except with the prior written consent of the Company or such other party as may own the trademark(s) in question.

1.4 Modification of the information presented on the Site

The services posted on this Site represent services offered in Canada by the Company. The Company makes every effort to provide you with an accurate description of the services offered. The Company assumes no responsibility for any inaccuracies, errors or omissions in the information contained on this Site in connection with the services displayed. The Company reserves the right to make any changes at any time without notice. Information about these services may be changed, substituted or deleted at any time without notice by the Company.

1.5 Exclusion of liability

Please note that the information presented on the Site reflects the data available to it at the time the Site content was prepared and is therefore provided in good faith, “as is” and without warranty or condition.

The Company shall in no event be liable for any damage to the user of this Site, its computer or data or any other damage, direct or indirect, suffered in connection with the use of this Site, including without limitation as a result of any request or transaction made through the Site, or the inability to use this Site, and to this end, the Company disclaims any such liability, including without limitation, any liability for damages resulting from any viruses, worms or computer programs of an invasive or destructive nature. In no event shall the Company, its shareholders, directors, employees or agents be liable to any person for any direct, indirect, incidental, consequential or other damages arising out of or in connection with the use of the Site or its contents. The use of this Site and the interpretation of the information it contains is at the user’s own risk.

1.6 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. Accordingly, the Company, its shareholders, directors, employees or agents shall not be responsible for the information contained on such websites, and makes no warranties or representations whatsoever with respect thereto. These links are provided for informational purposes only and do not constitute an endorsement or recommendation of the linked entities.

2. PRIVACY POLICY

The Company places great importance on respecting the privacy of its customers, employees and suppliers. It is with this objective in mind that the Company has established this Privacy Policy to govern the Company’s practices regarding the collection, use and disclosure of personal information.

This Policy sets out how the Company collects, uses, discloses and protects your personal information. The Company’s practices with respect to your personal information are in compliance with the Québec Act respecting the protection of personal information in the private sector and the Personal Information Protection and Electronic Documents Act (collectively the “Act”). This Policy does not apply to information that is not “personal information” as defined in the Act.

2.1 Privacy Officer

Questions regarding this Policy and the Company’s privacy procedures may be directed to the Company’s Privacy Officer at the following coordinates

By phone: 1-888-882-9836
By email: [email protected]
By mail: 2700 Jean-Perrin Street, Suite 170, Quebec City (QC) G2C 1S9

2.2 Collection of Personal Information

For the purposes of this Policy, “personal information” includes: any information about the personal or physical circumstances 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 factors specific to his or her physical, physiological, mental, economic, cultural or social identity. Without limiting the generality of the foregoing, “personal information” also includes your name, gender, address (postal and/or e-mail), telephone, mobile or fax numbers, employer, income, social insurance number and 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 filling out the interactive online form or answering questions from our customer service agents);
When you request information about any of its services;
When you contact the Company’s customer service department or any of the Company’s employees or agents;
When you make comments or suggestions about the Site or the Services.

Please be advised that one of the reasons personal information will be collected is because you will be asked to complete and submit a form. We require 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 marketing and sales purposes.

We do not share any of our customers’ personal information with third parties, except for internal and external service providers we use to streamline or outsource one or more aspects of the business, products and services we provide to you, unless you have given us permission to do so. These service providers are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information we provide to them for any purpose other than to facilitate a specific transaction we are contracting out to them, unless you have explicitly agreed or given them your prior permission to use your information for other purposes.

2.3 Use of Personal Information

The Company may use personal information for the following purposes:

Identify customers, employees and suppliers to establish and maintain relationships with them;
Provide ongoing services to clients to ensure the delivery of services offered in an appropriate manner in order to better guide clients in the use of services;
Improve services;
Provide the Company’s customers with information about other Company services that may 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:

Responding to your money loan requests;
Assess your financial situation and offer you financial products adapted to your needs;
Put together a file that will be shared with a lender in summary form;
To inform you about financial products that may be of interest to you;
Manage the loan you applied for and/or were granted;
Adapt your navigation on our sites to your personal situation;
Make it easy to renew a loan or apply for a new one;
Verify your identity and employment;
Detect and prevent possible fraud;
Find you or trace you if necessary;
Any other purpose that may be provided for in a specific agreement or arrangement with the Company.

Finally, the Company may also use personal information to compile statistics about its business. These statistics do not contain any personally identifiable data about customers, employees or suppliers.

2.4 Other uses of personal information

In the event that the Company contemplates or proceeds with (i) the sale of all or part of its assets, (ii) a change of control, iii) funding, and iv) the merger with another company, personal information in its possession may be disclosed to any person required in connection with the consideration or completion of the foregoing transactions. However, such personal information should be used strictly in accordance with the Policy.

2.5 Disclosure of Personal Information

The Company will not trade, rent or sell your personal information to any third party other than as set out in the Policy without your knowledge and consent.

Notwithstanding the foregoing, the Company nevertheless reserves the right to disclose personal information to a third party in certain specific circumstances, including i) your employers to confirm the accuracy of the information provided to the Company, (ii) to law firms or collection agencies to collect debts that are due when the customer has for any reason failed to meet its obligations to the Corporation, and iii) to any person in order to comply with any applicable law or regulation or order of a court of competent jurisdiction.

2.6 Transfers to third parties and/or agents

Certain services offered through the Company may be provided by third parties in cooperation 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 needs to transfer personal information to third parties for processing on its behalf, the Company will sign an agreement with appropriate privacy provisions before any information is transferred to the third party. These arrangements must provide that the third party will use such personal information only for its own purposes, protect its confidentiality and process the information only as directed by the Company.

2.7 Accessing and Changing Your Personal Information

Requests for access to your personal information in the possession of the Company should be addressed to the person in charge at the contact information provided in section 2.1, including any questions regarding your credit report or recommendations concerning your creditworthiness.

You may update or correct any personal information about you that the Company holds by making a written request to the Manager.

Finally, you may also address any complaint regarding the Company’s compliance with the Act or the Policy to the Manager.

2.8 Consent

You may withdraw your consent to the Company’s use or disclosure of your personal information by making a request to the person responsible at the contact information set out in section 2.1. You may be asked to provide appropriate identification or to identify yourself in other ways.

In certain circumstances, the withdrawal of consent to the use or disclosure of certain personal information may result in the Company being unable to provide certain services to the individual, including providing the requested loan or service, or in any loan provided to the individual becoming due and payable.

2.9 Retention of Personal Information

You consent to the retention of your personal information by the Company once the transactions covered by it have been completed. As such, your personal information will be retained after the end of your contract with the Company.

All personal information collected by the Company is protected by reasonable security safeguards appropriate to the sensitivity of the information. Personal information held in electronic format, including all information collected through the Company’s websites, is stored in secure, confidential databases. The Company evaluates its safety equipment and procedures on a regular basis and modifies them as necessary.

2.10 Use of cookies

In addition to personal information, the Company uses information gathering tools such as cookies on certain pages of its Site to analyze site navigation and the effectiveness of promotional campaigns. Cookies are pieces of information that a Web site sends to a Web user’s hard drive while they are 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 enhance your subsequent visits. If you do not wish to receive cookies, or if you wish to set your browser to notify you each time a cookie is being 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 Terms and the Policy shall be governed by and construed 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 principles whatsoever. Any legal proceeding, action, claim or proceeding of any kind arising out of or relating to the Site shall be brought only in the courts of the judicial district of Montreal, Province of Quebec, Canada, and to the exclusion of any other judicial district having jurisdiction.

Contact us

If you have any questions about these Terms of Use and the Policy, please contact us at

By phone: 1-888-882-9836
By email: [email protected]
By mail: 2700 Jean-Perrin Street, Suite 170, Quebec City (QC) G2C 1S9