Welcome to AvantCredit!

Thanks for using our products and services.

Please carefully review the following rules that govern your use of our Site and also read our Privacy Policy regarding the information that you provide to us. These Terms and Conditions of Use ("Terms of Use") apply to the World Wide Web site owned, operated, licensed, and controlled by Avant, Inc, including its related, affiliated, or subsidiary companies, including, but not limited to, Avant of Canada, LLC, (together, "AvantCredit") located at www.AvantCredit.ca, and all associated AvantCredit sites linked to this Web site (collectively, the "Site"). This Site is the property of AvantCredit. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

AvantCredit reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, AvantCredit grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Privacy

Please review our Privacy Policy (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, notwithstanding AvantCredit's efforts to protect such transmissions.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by AvantCredit or third parties and all right, title and interest therein shall remain the property of AvantCredit and/or such third parties (collectively, the "Content"). All Content is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with AvantCredit. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of AvantCredit. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site); and (ii) make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with AvantCredit.

Electronic Communication

When you visit www.AvantCredit.ca or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. You consent to receive emails for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.

Site Security

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the AvantCredit network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.

Links to Other Web Sites and Services

This Site may contain links to outside services and resources, the availability and content of which AvantCredit does not control. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites. AvantCredit does not assume any responsibility or liability for the actions, products, and content of these and any other third parties. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

Collection of Information

If credit is extended to a consumer, AvantCredit may consider the bank account information provided by the consumer as eligible to process payments against if customer permits AvantCredit to do so. As part of AvantCredit’s information collection process, we may detect additional bank accounts under the ownership of the consumer. AvantCredit may consider these additional accounts to be part of the application process.

Credit Check and Employment Verification Consent

By submitting an application online for a loan with AvantCredit, you agree that the information you have given AvantCredit on the application is complete and accurate. You agree that you have read our Privacy Policy and these Terms of Use, and that you consent to, and accept this as written consent to authorize AvantCredit to contact your employer to verify your employment and to obtain a copy of your credit report from one or more consumer reporting agencies.

Disclaimers

AvantCredit DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. AvantCredit CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. AvantCredit DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AvantCredit DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST AvantCredit FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER AvantCredit, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF AvantCredit HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, AvantCredit'S MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.

Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Indemnity

By using the Site, you agree to defend, indemnify, and hold harmless AvantCredit from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that AvantCredit may become obligated to pay arising or resulting from your use of this Site, the Content, or your breach of these Terms of Use. AvantCredit reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Permitted Use of the Site

This Site is not directed at minors. You must be a resident of Canada and of the age of majority in your province of residence (eighteen (18) in Alberta, Manitoba, Ontario, Quebec, Saskatchewan, and Prince Edward Island or nineteen (19) in British Columbia, Nova Scotia, New Brunswick, Yukon, Nunavut, Newfoundland and Labrador and Northwest Territories) to apply for any products or services available on or through the Site, and by so applying you represent and warrant to AvantCredit that you meet those qualifications.

Loan applications are canceled after 5 days of inactivity.

Household Limitation

Only one active loan per household may be outstanding at one time.

Severability

Any failure by AvantCredit to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms. If any provision of these Terms of Use or their application in a particular circumstance is held to be invalid or unenforceable to any extent, the remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and AvantCredit with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and AvantCredit with respect to such use are hereby superseded and cancelled.

Law and Venue

These Terms of Use and the relationship between you and AvantCredit shall be governed by the laws of Ontario, Canada without regard to its conflicts of law provisions. You agree to the personal jurisdiction by and venue in the courts located in Toronto, Ontario, and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.

COOKIES

"Cookies" are small data files transferred by a website to your computer's hard drive. AvantCredit or its service providers send cookies when you surf our site or sites where AvantCredit ads appear, make purchases, request or personalize information, or register yourself for certain services. Accepting the cookies used on our site, sites that are "powered by" another company on AvantCredit's behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalize and enhance your experience. Cookies are typically classified as either "session" cookies or "persistent" cookies.

  • Session cookies do not stay on your computer after you close your browser.
  • Persistent cookies remain on your computer until you delete them or they expire.

  • Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, there may be some features of our site that will not be available and some Websites may not display properly. In most instances, however, a customer may refuse a cookie and still be able to navigate our website without issue.

    A web browser is usually set to accept cookies automatically but can be changed to decline them. Information on how to adjust cookie preferences (e.g., preventing your browser from accepting new cookies, etc.) are located in the help and support section of your browser. In most cases, a visitor may refuse a cookie and still fully navigate our Website.

    Like many companies, we use cookies and other tracking technologies on our online services (referred to together from this point forward as “Cookies”, unless otherwise stated) including HTTP cookies, flash cookies, HTML5 and Flash local storage, web beacons/GIFs, embedded scripts, and e-tags/cache browsers. We may use Cookies for a variety of purposes and to enhance your online experience, for example, by remembering your log-in status and viewing preferences from a previous use of an online service, for when you later return to that online service.

    AvantCredit does not store passwords or any other information about a visitor in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated customer information may help AvantCredit assess the performance of its website and develop strategies to maximize utility. This information may be provided to other companies, including but not limited to third party advertisers. This information does NOT include any personal details that can be used to identify individuals.

    The cookies that AvantCredit uses on its Website

    • Security Cookies – Session cookies used to support security measures within the site.
    • Yield Manager – This is a tracking pixel that records traffic coming from 3rd party sources.
    • LivePerson – A tracking pixel used to track web session for customer service web chat.
    • AvantCredit – Contains a session cookie recognizing applicant to process loan application through completion
    • Iovation – Contains a cookie to identify applicants electronic device
    • DoubleClick – This is a tracking pixel that records traffic coming from 3rd party sources.
    • H Online – Contains a cookie to identify applicants electronic device
    • Google Analytics – Web analytics tracking
    • Google Adwords – Conversion tracking

    • How long does AvantCredit keep personal information?

      • AvantCredit will maintain the information that is necessary to enable AvantCredit to provide the requested service and only for as long as it takes AvantCredit to provide any such requested service.
      • AvantCredit may still need to keep personal details of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing AvantCredit to use that customer's personal details for marketing purposes.
      • AvantCredit may keep records of any transactions a customer enters into on the AvantCredit Website for a minimum of six years from the end of AvantCredit's relationship with the customer.
      • AvantCredit may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs.
      • Third Party Websites

        We use third party advertising and media companies to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of Cookies, such third party companies may collect anonymous information about your visits to our site and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other web sites before visiting our web site. This information is used to understand your browsing behavior and interests so that we can identify your needs and provide service that is tailored to you.

        Browser Signals

        We do not currently take actions to respond to “Do Not Track” signals from your browser because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.