Terms and Conditions

www.Moneylesson.org is owned and operated by Finmarket Inc. Canada’s financial planner since 2010. www.Moneylesson.org is a profit organization and it not a registered charity nor a non profit organization.  Finmarket Inc. and its subsidiaries (collectively, “Finmarket Inc.”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services.

This privacy policy applies to Finmarket Inc. and all websites owned and operated by Finmarket Inc. on which this privacy policy is displayed (such websites referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively) as well as Finmarket Inc. affiliates.

Information We Collect

Identifying Information: We collect information that could identify you such as your name, address, telephone number, mobile number and email address. We may also collect this type of information from you about others, such as co-borrowers.

Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

Information provided by you: We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.

Information from service providers: Information is collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.

Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.

How We Use Information

We may use collected information to:

i. Deliver the products and services you requested

ii. Improve customer service

iii. Improve our Site

iv. Personalize your user experience

v. Communicate with you about products or services that may be of interest to you

vi. Manage our business

Who Do We Share Your Information With?

Finmarket Inc. affiliates: We may share information about you or provided by you with the Finmarket Inc. affiliates.

Network Partners: In submitting an inquiry or using another other Service provided through the Website, you agree that Finmarket Inc. may share information about you or provided by you with lenders and other third parties which provide services to our consumers in our network (collectively, “Network Partners”) to deliver the products and services your requested. PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services. You should contact these Network Partners directly concerning their privacy and information sharing practices. Pursuant to the contracts between Finmarket Inc. and its Network Partners, if you select a Network Partner through a Finmarket Inc. website, Finmarket Inc. may also receive information about you from that Network Partner. Finmarket Inc. and its Network Partners may exchange information about yo for the purpose of providing you with information about financial services and products. Finmarket Inc. may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.

Finmarket Inc. Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or website or product support.

Other Situations: We may also disclose information about you or provided by you at our sole discretion:

i. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.

ii. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the Finmarket Inc. Business, our users, our employees, or others; or to enforce our Site’s terms and condition or other agreements or policies.

iii. In connection with a substantial corporate transaction involving the Finmarket Inc. Business, such as a sale of Finmarket Inc. or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.

iv. In connection with provincial and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize Finmarket Inc. to obtain any and all required information from the Network Partners that have interacted with you in order for Finmarket Inc. to comply with current laws and regulations as well as with any requests from provincial or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.

v. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Cookies and Do Not Track

We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.

Marketing and Communications

Communications: You may modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from Finmarket Inc..

Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from Finmarket Inc. Businesses.

How We Protect Your Information

We follow industry standard security measures (including physical, electronic, and procedural measures) to help safeguard your information from unauthorized access and disclosure. We also require employees to comply with information security safeguards, we use encryption in the transmission of your information between your system and ours, and we use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persons from gaining access to your information.

No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.

Changes to this Privacy Policy

Finmarket Inc. has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Visiting our Websites From Outside Canada

The Site is governed by the laws of Canada and is intended for the enjoyment of individuals connected to the internet from a physical location within Canada only. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation.

This Website is not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18.

Finmarket Inc. through  www.Moneylesson.org provides Financial advice videos, Tools, mortgage rates, credit card comparisons, banking rates and insurance quotes with minimal personal information. Except where mandated by the government and its regulatory bodies or the courts, the personal information that you share with us will not be shared with third parties without your prior consent.

Terms and Conditions

Finmarket Inc. Owns and Opereates www.Moneylesson.org

Finmarket: Canada’s Financial Planner since 2010.

DISCLAIMER

The Media presented in this website is published by Finmarket Inc. and is intended for general information purposes. If you wish to act on the information presented in this publication you should consult with your financial advisor or tax specialist. Finmarket Inc.is not liable for any errors or omissions.

© 2020 All Rights Reserved FINMARKET INC. FINANCIAL ADVICE PROVIDED BY FINMARKET INC . FINMARKET INC. Owns and operates the YOUTUBE CHANNEL FINANCIAL ADVICE and webstite savetips.ca. Finmarket Inc. makes no representations, warranties, or guarantees about, and assumes no responsibility for, the content or application of the material contained in this youtube channel, website, video, Podcast or any media posted on any website and expressly disclaims all liability for any damages arising out of the use of, reference to, or reliance on such material.

As with all planning strategies, you should seek the advice of a qualified tax advisor for specific financial advise. This video and podcast were published by Finmarket Inc. with information that is believed to be accurate at the time of publishing. Finmarket Inc.is not liable for any errors or omissions. This publication is intended to provide general information and should not be construed as specific investment, legal, lending, or tax advice. Individual circumstances and current events are to be taking into account for any specific financial advise. If anyone wish to act on the information in this podcast or video they should consult with his financial advisor, lawyer or tax specialist.

COOKIE POLICY