As described in our Privacy Policy, FN Capital collects, uses and discloses personal information for purposes limited to those which are related to its businesses. You consent to FN Capital collecting, using and disclosing your personal information for the purposes and as explained herein and in our Privacy Policy.
You authorize FN Capital to verify all of the information that you have provided to us (either directly or indirectly). You accordingly authorize us to obtain a copy of your credit report from one or more credit reporting agencies and to contact your employer to verify your employment, as applicable. You consent that FN Capital may use any credit reports that we obtain to assess your initial and ongoing creditworthiness.
In addition, subject to applicable laws and the policies and procedures of the applicable credit reporting agency, you consent to FN Capital obtaining your credit score from a credit reporting agency for a period of up to one year after (i) termination of any lending arrangement you have with us; or (ii) the date that, and in the event that, FN Capital declines or you withdraw your application. You acknowledge that this consent is obtained to allow FN Capital to offer you products and services from us and selected third parties.
You agree that we may provide you with: (i) information on products and services; (ii) incentives and advertising promotions; and (iii) offers about products and services from selected third parties that may interest you.
FN Capital may share your personal information with or collect it from its affiliates, subsidiaries or related organizations, companies to which FN Capital assigns your loan, your potential creditors and credit reporting agencies, businesses and financial institutions with whom you have had or may have had a financial relationship and other references you have provided in support of your application and for the purpose described in this document. We may share your personal information with: (i) our contractors, consultants, affiliates, service providers and other third parties who require such information to assist us with managing our relationship with you, including third parties that provide services to us (such as information technology and data processing services); and (ii) third parties to assist in the collection of bad debt or to agencies that acquire bad debt.
You fully release FN Capital and any third parties to whom FN Capital provides your personal information, from liability that may result from our respective collection, use and disclosure of your personal information.
Should your loan go into default and you become unreachable, subject to applicable laws, FN Capital reserves the right to contact the references you provided as part of your application for the purposes of helping us locate you. You confirm that you have obtained consent from your references for FN Capital to contact them for such purposes.
You agree that you have read this document as well as our Privacy Policy carefully and that you agree to both of them.
By agreeing to this document, and as a condition of FN Capital providing you credit, you make the following representations and warranties: (i) the information that you have given to us (including on your application) is correct, complete and accurate; and (ii) you are not contemplating filing for bankruptcy or a consumer proposal during the term of this loan and have not consulted with an attorney or trustee concerning bankruptcy or a consumer proposal in the last six (6) months.