TERMS AND CONDITIONS Please read these terms and conditions of use carefully before using this website. Your use of onthespotfinancial.com depends on your acceptance, without modification, of the following terms and conditions (the "Terms and Conditions"). By using onthespotfinancial.com you accept these Terms and Conditions. Modifications of the Terms and Conditions Onthespotfinancial.com may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions without any notice or liability to you or any other person, by posting revised Terms and Conditions on the onthespotfinancial.com web site. Your continued use of the onthespotfinancial.com website signifies your acceptance of such revised Terms and Conditions. View the website to review the most recent version of the Terms and Conditions. The Process When you submit an application to onthespotfinancial.com (the "Application") we work together with service providers to process your Application. On The Spot Financial is not a lender and does not make loans or credit decisions in connection with our loan matching service, we are a lead generating company that help buyers to get into the right vehicle that will work for you and your families. We do not arrange for or facilitate credit. We will release some or all of the information in your Application to these service providers in order to locate an appropriate credit provider for you. Authorization By submitting an Application to onthespotfinancial.com, you certify that all information which you provide in the Application is true and complete and you authorize onthespotfinancial.com or our agents or affiliates to: - obtain any and all credit information concerning your Application from any sources which onthespotfinancial.com deems appropriate; - obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of your Application; - communicate with you in-person, by telephone, mail, email, text or any social media platforms; - provide reports to you on the status of your Application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and - sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application. You can withdraw your consent to being contacted by onthespotfinancial.com at any time by notifying us at info@onthespotfinancial.com or by using the unsubscribe option on any of our electronic messages. Links Onthespotfinancial.com does not warrant the authenticity or reliability of the websites linked to the onthespotfinancial.com website and is not responsible for the contents of any linked website. The inclusion of a link on the onthespotfinancial.com website does not constitute endorsement of the linked website by onthespotfinancial.com. Use of any such linked website is at the user's own risk. Minors This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may only use the onthespotfinancial.com website, or any services provided in conjunction with the website, under the supervision of an adult. onthespotfinancial.com does not knowingly collect personal information from minors. Use of this website is void where prohibited by applicable law. Restricted Access In its sole discretion, in addition to any other rights or remedies available to onthespotfinancial.com, and without any liability whatsoever, onthespotfinancial.com may at any time, without notice to you, terminate or restrict your access to any component of onthespotfinancial.com. Governing Law This use of the onthespotfinancial.com website and any claims against onthespotfinancial.com shall be governed by the laws of the Province of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of onthespotfinancial.com website and these Terms and Conditions. Privacy Policy Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal information safe ("Privacy Policy"). Onthespotfinancial.com is committed to protecting the privacy and security of your personal information obtained through your Application and your customer relationship with onthespotfinancial.com. Our Privacy Policy outlines the types of personal information we collect, how it is used, and the steps we take to ensure your personal information is handled appropriately. Our Privacy Policy applies to the personal information practices on the onthespotfinancial.com website and through any interactions with you. Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available on our website or by contacting us using the contact information provided on the onthespotfinancial.com website. Personal Information Personal information is information about an identifiable individual which includes your name, address, age, income, date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase patterns. Examples of personal information onthespotfinancial.com may collect, use and disclose include your contact information, your financial information and other information that you may provide to us through your Application or otherwise or that we may obtain from third parties in conjunction with your use of the onthespotfinancial.com website and services. Collecting Personal Information Onthespotfinancial.com will collect personal information by lawful and fair means and only with the knowledge and consent of the person concerned. Onthespotfinancial.com will only collect personal information which is relevant to the purposes for which it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the information is accurate, complete, and up-to-date. Using and Sharing Personal Information Onthespotfinancial.com may use or share your personal information and Application to: - obtain any and all credit information concerning your Application from sources which onthespotfinancial.com deems appropriate; - obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your Application; - communicate with you in-person, by telephone, mail, email, text or any social media platforms; - provide reports to you on the status of your Application, including information concerning whether you pre- qualify for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit is denied; and - sell or otherwise disclose information concerning your Application, including your personal information, to one or more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of whom may conduct independent searches using the information disclosed in your Application for the purpose of processing and facilitating your Application. Protecting Your Personal Information Onthespotfinancial.com protects your personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures and security measures regularly to ensure that they are properly administered and remain effective and appropriate for the sensitivity of the information. Sharing Your Personal Information When your personal information is transferred to or shared with a third party, onthespotfinancial.com requires the third party to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under their agreement with onthespotfinancial.com to maintain your confidentiality and may not use your information for any unauthorized purpose. If onthespotfinancial.com is required by law to provide information, reasonable steps will be taken to verify the lawful authority for the collection and we disclose only the information that is legally required. Retaining your Personal Information Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media. Contacting You By accepting the terms of this Privacy Policy, you consent to receiving in-person communications, mail, emails, text messages, phone calls, or contact via social media platforms about additional products and services from us or any of our agents or affiliates. If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy. Accessing your personal information stored by us You have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us Via email at the email address provided in the "Contact us" section of this website. We will respond to your request for access or information in a reasonable time. There may be times when we are unable to fulfill your request - for example, if providing access to your personal information would reveal confidential commercial or proprietary information or personal information about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the information. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records. Responding to Privacy Concerns or Complaints Onthespotfinancial.com will respond in a reasonable time to your questions, concerns and complaints about the privacy of your personal information and our privacy policies and procedures. We will investigate and respond to any concern you have regarding the handling of your personal information. onthespotfinancial.com has designated a privacy officer ("Privacy Officer") who is responsible for our compliance with this Privacy Policy, and for ensuring that information about our policies and practices relating to the management of personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance with it should be directed to the Privacy Officer in writing, and sent by email to info@ onthespotfinancial.com. PRIVACY POLICY Privacy Policy Terms By accessing this web site, you are agreeing to be bound by Terms and Conditions of Use by this web site, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. Authorization By submitting our application, you certify that all information herein is true and complete. You authorize onthespotfinancial.com and/or our agents/affiliates to obtain any and all credit information from any sources deemed appropriate. By using onthespotfinancial.com and/or our agents/affiliates to communicate with you by phone, email, text or any social media platforms. You can withdraw your consent at any time by notifying us or by using the unsubscribe option on any of our electronic messages. You authorize onthespotfinancial.com and/or our agents/affiliates to provide reports on the status of your application, including information concerning whether you pre-qualify for a loan or not, which lender's loan offer (if any) you choose to accept, whether your application for credit is denied, and whether you accept a loan from that lender. You authorize onthespotfinancial.com and/or our agents/affiliates to communicate with you by email. You authorize onthespotfinancial.com to sell to one or more person or organization, car dealerships any or all of which may conduct independent searches in relation to your Personal Information. You authorize onthespotfinancial.com and/or our agents/affiliates to sell and/or otherwise disclose this Personal information to other wholesale lead providers or motor vehicle dealerships which may be able to assist you in purchasing a vehicle. Links Onthespotfinancial.com has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by onthespotfinancial.com of the site. Use of any such linked web site is at the user's own risk. Site Terms of Use Modifications Onthespotfinancial.com may revise these terms of use for its web site at any time without notice. By using this web site, you are agreeing to be bound by the then current version of these Terms and Conditions of Use. Governing Law Any claim relating to onthespotfinancial.com web site shall be governed by the laws of the Country of Canada without regard to its conflict of law provisions. General Terms and Conditions applicable to Use of a Web Site. How We Treat Your Personal Information Your privacy is very important to us. We created this page to show you how we keep the information you provide to us safe and private. Involved companies, car dealerships in this loan process are important. When you apply for credit, you must agree that the info you supply to us may be used to apply for consumer credit reports from one or more credit reporting agencies together with their application and administration of your application. To give you the best possible service, we work together with service providers in order to deal with your loan applications. We do not arrange for or facilitate credit. We will release some or all of your information to these providers but just to look for credit for you. We take cautionary steps in order to examine the use of the information and stop the use of the information for any other reason whatsoever. All companies herein are required by law to adhere to federal and provincial privacy laws. Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our Privacy Policy. We will collect personal information by lawful and fair means and, with the knowledge or consent of the individual concerned. Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date. By accepting the terms of this Privacy Policy, you also consent to receiving email about additional products and services from us or any of our affiliates. We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. However, security risks cannot be eliminated and we cannot guarantee that your Personal Information will not be used or disclosed in ways not otherwise described in this Privacy Policy. If you choose to unsubscribe to our e-mail list, it will not be regarded as a withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting this Privacy Policy. We will make readily available to customers information about our policies and practices relating to the management of personal information. We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information are protected and maintained. If you have any issues with our Privacy Policy, please contact info@onthespotfinancial.com

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