Introduction
Welcome to LendStrom Finances. By accessing and using our website, you agree to these Terms and Conditions (the “Terms”). If you do not agree, please discontinue use of our site.

Acceptance of Terms
Your use of our website signifies your acceptance of these Terms. We may update these Terms from time to time, and your continued use of the site will signify your acceptance of any changes.

Services Provided
LendStrom Finances offers a variety of loan products and financial services. Details about our services are available on our website.

User Responsibilities
You agree to:

• Provide accurate and complete information when applying for services.
• Use our website in accordance with all applicable laws and regulations.
• Not misuse or exploit our website for unlawful purposes.

Application and Approval Process

• To apply for a loan, you must complete the online application form with accurate information.
• Loan approval is subject to our review and assessment of your application and creditworthiness.

Fees and Charges

• Fees and interest rates associated with our loan products will be disclosed during the application process.
• You are responsible for any fees or charges applicable to your loan.

Intellectual Property

• All content on our website, including text, graphics, logos, and trademarks, is owned by LendStrom Finances and protected by intellectual property laws.
• You may not use or reproduce any content without our express written permission.

Limitation of Liability

• We are not liable for any damages arising from the use of our website or services, including but not limited to errors, interruptions, or inaccuracies.
• Our total liability for any claim related to your use of our website or services will be limited to the amount you paid for the service in question.

Termination

• We reserve the right to terminate or suspend your access to our website or services if you violate these Terms.
• Termination will not affect your obligations under these Terms that have accrued before the termination date.

Governing Law

• These Terms are governed by the laws of [your jurisdiction]. Any disputes arising from these Terms will be resolved in accordance with these laws.

Changes to Terms

• We may update these Terms and will notify you of any significant changes. Please review this page regularly to stay informed of any updates.

Contact Us

• For questions about these Terms or any other concerns, please contact us at info@lendstrom.ca

Privacy Policy

Overview
LendStrom Finances, including its affiliates and related entities (“LendStrom”, “we”, “us” or “our”), provides this Privacy Policy (the “Policy”) to explain our commitment to your privacy and how we manage your personal information. Your data is secure and protected under our policies.

Personal Information
In this Policy, “personal information” refers to data about an identifiable individual, excluding business contact details. This Policy applies to all former, current, and potential customers and may be updated periodically. We will notify you of any significant changes to how your personal information is handled.

Purpose
We collect and use your personal information to operate our business and provide financial services. This includes collecting data from your application, references, employers, credit bureaus, and other third parties.

Uses of Personal Information

• Managing and promoting our business activities.
• Verifying identity and determining eligibility for products and services.
• Opening and administering accounts and delivering requested services.
• Assessing creditworthiness and suitability for products.
• Marketing our products and services to customers who haven’t opted out.
• Collecting outstanding debts.
• Protecting against fraud and unauthorized activities.
• Maintaining business records to meet legal and regulatory requirements.
• Other purposes with your consent or as legally required.

Collection
We collect only the necessary personal information by fair means, including:

• Basic contact details (e.g., name, address, phone number, email).
• Identity and credit check details (e.g., occupation, employer information, income, Social Insurance Number).
• Account and loan information (e.g., transactions, balances).
• Payment-related information (e.g., banking details).
• Any additional information collected with your consent or as required by law.

Disclosure
We may disclose personal information:

• To credit bureaus and reporting agencies for credit history maintenance.
• To financial institutions for payment processing.
• To prospective buyers or sellers of business assets.
• To third-party service providers for performing functions on our behalf.
• For enforcing contracts, debt collection, fraud prevention, audits, and legal compliance.
• To affiliates or third parties for additional offers (if not opted out).
• For other purposes with your consent or as permitted by law.

Safeguards
We implement various security measures to protect your personal information from loss, theft, unauthorized access, or modifications. Access is restricted to authorized personnel only.

E-mail and Online Communications
Online communications are not guaranteed to be secure. For confidential matters, request instructions on secure communication. Cookies and tracking technologies enhance your experience and support our operations. You can manage cookies through your browser settings. Our website may link to third-party sites, which are not covered by this Policy.

Consents
By providing personal information, you consent to its collection, use, and disclosure as described in this Policy. Consent may be express or implied, and you may withdraw consent with reasonable notice. This could affect the services we provide to you.

Access, Changes, and Contact Us
Personal information is stored at our head office. Requests to access or change information should be made in writing to our Privacy Officer. Responses will typically be provided within 30 days.

By completing an application, you authorize us to verify your details and obtain a credit report. You also confirm that you are not planning bankruptcy and have not consulted a bankruptcy trustee recently.

LendStrom Finances does not solicit or lend outside of Canada and does not require security deposits for loan processing. Report any suspicious requests to us immediately.