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Personal Information

First name*

Last name*

Email*

Phone* +1

Gender*

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Birth date*

Postal Address

Address*

Apt / Suite

City*

Province*

Postal code*

Employment

Employer name*

Job title*

Income source*

Work phone +1

First pay date*

Pay frequency*

Reference

Reference full name*

Reference phone* +1

Relationship*

Select your loan amount*

$250.002 ½ Months

$300.003 Months

$400.003 Months

$500.003 Months

$750.004 Months

$800.004 Months

$1,000.004 Months

$1,250.004 ½ Months

$1,500.005 Months

Application processing*

Standard processing3 to 5 business daysNo fee

Treatment Priority+12 to 24 hours Fees apply: up to 50% of the loan amount granted, plus taxes

Financial educationAccess to the financial blog.
Credit informationServices related to your credit file, including Equifax and Kiipr.
Exclusive offersAccess to discounts and offers.

The choice of standard or Priority+ processing has no impact on your chances of approval.

Funds transfer method*

Standard deposit·No fee5 to 7 business days Interac e-Transfer·$15.00Instant

Consent

I confirm that the information provided is accurate and current and that I have read and accepted the terms and conditions.* I have had the opportunity to review Flovver's Privacy Policy. I consent to Flovver, as a personal information agent, using my personal information to build and maintain a credit file about me and communicating reports on my creditworthiness to its authorized clients.*

I confirm that I have read and accept the Priority+ Terms and Conditions.*

Priority+ applies only to this application and is a service separate from the loan.

I also agree to receive marketing communications.

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Priority+ Terms and Conditions

PRIORITY+
TERMS AND CONDITIONS

(hereinafter “Priority+”)

1. DESCRIPTION OF THE SERVICE

1.1. Priority+ is an optional service that allows the client to benefit from priority processing of their application, as well as complementary services and benefits.

1.2. Priority+ includes, among other things:

priority processing of the application;
access to discounts and offers;
access to services related to the client’s credit file, including Equifax and Kiipr;
access to certain complementary benefits, offers or services that may evolve over time.

2. OPTIONAL NATURE AND SEPARATION FROM THE LOAN

2.1. Priority+ is entirely optional and constitutes a service separate and distinct from the loan.

2.2. The client may submit a loan application and obtain a loan without selecting Priority+.

2.3. The choice of standard or priority processing has no impact on the eligibility criteria, the terms of the loan, the credit decision or the client’s chances of approval.

2.4. Priority+ does not guarantee approval of a loan application, the granting of any particular loan amount or the disbursement of funds within any specific period.

3. PRIORITY PROCESSING

3.1. When the client selects Priority+, their application is given access to the priority processing process.

3.2. The Provider aims to process the application within twelve (12) to twenty-four (24) business hours following receipt of all information, documents, consents and validations required to process the application.

3.3. This period is a targeted processing timeframe and does not constitute a guarantee of approval, execution of a loan agreement or disbursement of funds. It may be extended when additional information or validations are required or when circumstances reasonably beyond the Provider’s control arise.

4. STANDARD PROCESSING

4.1. A client who does not select Priority+ benefits from the standard processing process, without any Priority+ fees.

4.2. Choosing standard processing does not result in any penalty and does not affect the client’s eligibility for the loan.

5. COST AND CONSENT

5.1. The cost of Priority+ may represent up to fifty percent (50%) of the amount of the loan granted, plus applicable taxes. The applicable percentage may vary depending on the amount of the loan.

5.2. Since the amount of the loan granted is determined only after the application has been reviewed, the exact cost of Priority+ may not be known when the service is initially selected.

5.3. The applicable percentage and the exact amount of the service are clearly disclosed to the client before their final consent and before the loan agreement is signed.

5.4. By selecting Priority+, the client confirms their voluntary choice and acceptance of these Terms and Conditions.

6. DURATION AND BENEFITS

6.1. Priority processing applies only to the application for which Priority+ was selected.

6.2. Discounts, offers, services and other benefits available through Priority+ may vary or evolve over time and may be subject to the terms and conditions of the applicable providers or partners.

6.3. Priority+ is a one-time service. It is not a subscription, does not renew automatically and does not involve any recurring monthly or periodic fees.

7. PERSONAL INFORMATION

7.1. The provision of certain services or benefits may require the collection, use or disclosure of personal information, in accordance with the consents obtained, the Provider’s Privacy Policy and applicable laws.

8. ELECTRONIC ACCEPTANCE

8.1. Before selecting Priority+, the client has the opportunity to review these Terms and Conditions.

8.2. By voluntarily selecting Priority+, the client confirms that they understand that the service is optional and separate from the loan, that standard processing is available without Priority+, that the applicable cost will be disclosed before final consent, and that the service does not increase their chances of approval.

8.3. A new selection and new consent are required for each new application for which the client wishes to benefit from Priority+.

9. GENERAL PROVISIONS

9.1. These Terms and Conditions govern Priority+ and are separate from the loan agreement.

9.2. Nothing in these Terms and Conditions shall be interpreted as limiting any rights granted to the client under applicable laws.