Terms o use
This Web site www.monpetitpret.com (the “Site”), as well as its contents, are the exclusive property of 10441538 Canada Inc. and its subsidiaries (collectively the “Company”), having a place of business at P.O. Box 51003, Levis (QC) G6C 1R8.
Your use of this Site, as well as any transactions or requests for information made through the Site, are subject to compliance with these Site Terms and Conditions (the “Terms”) and Privacy Policy (the “Policy”).
General terms and conditions of use of the website
Terms and conditions 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 agree to comply with them and not to make any use of this Site (i) that 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 browsing of this Site following any such change constitutes your acceptance of the new Terms and Conditions. We recommend that you consult the current Terms when using this Site.
Copyrights
This Site, as well as all logos, texts, graphics, images, videos, soundtracks and all the combinations of the above elements, are the property of the Company and are protected under the laws and regulations applicable to intellectual property and copyright protection 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.
Trademarks
The trademarks associated with the Company on the Site are trademarks that are either the exclusive property of the Company or used under license 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, either implicitly or explicitly, any license or right to use or reproduce any trademark, except with the prior written consent of the Company or such other party that may own the trademark(s) in question.
Changes to the information on the Site
The services displayed on this Site represent services offered in Canada by the Company. The Company uses its best efforts 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 posted. The Company reserves the right to make any changes at any time without notice. Information relating to these services may be changed, substituted or deleted at any time without notice by the Company.
Disclaimer of liability
Please note that the information presented on the Site reflects the data available to the Company at the time the content of the Site was developed and is therefore provided in good faith, “as is” and without any warranty or condition.
The Company shall in no event be liable for any damages to the user of this Site, to his or her computer or data or for any other damages, 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. Under no circumstances 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 contained therein is at the user’s risk.
Links to other websites
The Site may contain links to other websites owned by third parties. Please note that the Company has no control over the content of these websites. Accordingly, the Company, its shareholders, directors, employees or agents are not responsible for, and make no warranties or representations whatsoever with respect to, the information contained on such websites. These links are provided for informational purposes only and do not constitute an endorsement or recommendation of the linked entities.
Privacy Policy
The Company attaches great importance to the privacy of its customers, employees and suppliers. It is with this 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 accordance 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 does not constitute “personal information” within the meaning of the Act.
Privacy Officer
Questions about this Policy and the Company’s privacy procedures may be directed to the Company’s Privacy Officer at the following contact informationÑ
by phone (toll free): 1-877-711-7738
by email: info@monpetitpret.com
by mail: PO Box 51003, Lévis (QC) G6C 1R8
Collection of Personal Information
For the purposes of this Privacy Policy, “personal information” means, among other things: any information about the personal or material circumstances of an identified or identifiable individual. An identifiable individual is one 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 or e-mail), phone, 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 by completing the online interactive form or answering questions from our customer service agents);
when you request information about any of our 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 aware that one of the reasons that personal information will be collected is because you are asked to complete and submit a form. We require this information in order to provide customer support, administer customer accounts and/or provide you with our services. 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 that we use to simplify 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, 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 we are outsourcing to them, unless you have explicitly agreed or given them your prior permission to use your information for other purposes.
Use of Personal Information
The Company may use personal information for the following purposes:
to identify customers, employees and suppliers in order to establish and maintain relationships with them
to provide ongoing services to customers in order to ensure the appropriate delivery of services and to better guide customers in using the services
to improve the Services;
to provide the Company’s customers with information about other Company services that may be of interest to them
prevent error and fraud;
to comply with legal and audit requirements.
In addition, the Company may also use personal information for the following specific purposes:
to respond to your requests for loans of money;
to assess your financial situation and offer you financial products adapted to your needs
to prepare a file that will be communicated to a lender;
inform you about financial products that may be of interest to you;
manage the loan for which you have applied and/or which has been granted to you;
adapt your browsing on our sites to your personal situation;
facilitate the renewal of a loan or your application for a new loan;
verify your identity and employment;
detect and prevent possible fraud;
to locate or track you if necessary;
any other purpose that may be set out 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 information about customers, employees or suppliers.
Other uses of personal information
In the event that the Company considers or proceeds with (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 may be communicated to any person required in connection with the consideration or completion of the above transactions. However, such personal information should be used strictly in accordance with the Policy.
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) to your employers in order to confirm the veracity of the information provided to the Company, (ii) to law firms or collection agencies responsible for collecting debts owed where the customer has, for any reason, failed to honour his or her commitments to the Company, and (iii) to any person in order to comply with any applicable law or regulation 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 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 enter into an agreement with appropriate privacy provisions before any information is transferred to the third party. These provisions must provide that the third party will use such personal information only for its own purposes, will protect its confidentiality and will process the information only as directed by the Company.
Access to Your Personal Information and changes.
Requests for access to your personal information in the possession of the Company should be directed to the Privacy Officer at the contact information listed in the Privacy Officer section, including any questions regarding your credit report or recommendations regarding your creditworthiness.
You may update or correct any personal information about you that the Company holds by making a written request to the Privacy Officer.
Finally, you may also address any complaint regarding the Company’s compliance with the Act or the Policy to the Privacy Officer.
Consent
You may withdraw your consent to the Company’s use or disclosure of your personal information by contacting the Privacy Officer at the contact information listed in the Privacy Officer section. You may be asked to provide appropriate identification or otherwise identify yourself.
In certain circumstances, withdrawal of consent to the use or disclosure of certain personal information may result in the Company being unable to provide certain services to an individual, including providing a loan or service requested, or in any loan being due and payable.
Retention of Personal Information
You consent to the Company retaining your personal information 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 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 maintained in secure, confidential databases. The Company evaluates its security equipment and procedures on a regular basis and modifies them as necessary.
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 navigation on the Site and the effectiveness of promotional campaigns. Cookies are pieces of information that a Web site sends to an Internet user’s hard drive when he or she visits 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 whenever 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 effect to any principles of conflicts of law. 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, to the exclusion of any other competent judicial district.
Contact us
If you have any questions about these Terms of Use and the Policy, please contact us at the following coordinates:
by phone (toll free): 1-877-711-7738
by email: info@monpetitpret.com
by mail: PO Box 51003, Levis (QC) G6C 1R8
Updated on February 1, 2022.
