Privacy Policy

Privacy Policy

CashMax and its affiliates ("CashMax", "we", "us" or "our") takes steps intended to meet privacy principles and requirements with respect to personal information under applicable Canadian privacy legislation. This Privacy Policy (“Policy”) is provided to help you understand what information we collect, use, and share. It is also provided to inform you of the measures we take to protect both your personal and financial privacy.

Information We Collect

CashMax and its agents and representatives collect personal information in the course of its business of lending and providing financial or credit services including making consumer loans. Personal information we collect includes:

  • Information provided on Cash Advance (payday loan) and Installment loan applications and other forms including name, address, telephone number, email address, social insurance number (if provided), driver's licence, length at residence, pay stubs, bank statements, references (including contact information, residence address and length at that residence, how long known and ability to verify employment information);
  • Employment information such as supervisor's name and contact information, salary, pay dates, and other contact, financial and biographical information;
  • Phone number(s) and other contact verification and location information collected from third party service providers as part of the loan underwriting process;
  • Information about transactions with us or our affiliates;
  • Information you provide when participating in a survey, contest or promotion;
  • Information provided by law enforcement agencies in the course of the law enforcement agencies’ investigations;
  • Information we receive from our website and social media pages regarding visitation and use, including information automatically collected through the use of cookies, web beacons, and other technologies;
  • Information we receive from marketing and consumer research firms; and
  • Such other information we may collect with your consent or as permitted or required by law.

How We Use Your Information

CashMax uses personal information in the course of its business including for the following purposes:

  • Establishing your identity;
  • Verifying creditworthiness and determining eligibility for loans and loan amounts;
  • Servicing your loan;
  • Providing you with enhanced products and services;
  • Contacting customers concerning the administration of their account, confirming contact information and collecting debts;
  • Sending you marketing materials about our products and services that may be of interest to you;
  • Developing promotions and polices based on surveys and administering contests, sweepstakes and promotions;
  • Managing, administering, collecting or otherwise enforcing accounts;
  • Verifying and determining employment, references and contact information including phone number(s) and address(es) for underwriting, debt collection and fraud avoidance;
  • Maintaining business records for reasonable periods, and generally managing and administering our business including defending and bringing legal actions;
  • Meeting legal, regulatory, insurance, security and processing requirements; and
  • Otherwise with consent or as permitted or required by law.

© 2019 EZMONEY Tario, Inc. All rights reserved.

Consumer Notice: Cash Advance Loans are intended to address short-term financial needs only. The cost of borrowing for a Cash Advance Loan may be significantly higher than credit offered by other lenders. Consumers with credit difficulties should seek credit counseling.

In Ontario, the maximum allowable cost of borrowing under Cash Advance loans (payday loans) is $15 for each $100 advanced. The actual cost of borrowing for each $100 we advance under such agreements is $15. For example, on a loan of $500 for 14 days, the amount advanced is $500, the cost of borrowing is $75, the total the borrower is required to pay on the due date is $575, and the annual percentage rate is 391.07%.

For Installment Loans, we charge an annual interest rate of 46.96%.