Newbridge Advantage




Personna Line of Credit Application


Newbridge Advantage Personal Prepaid Card Program

This document constitutes the service agreement (“Agreement”) detailing the Terms and Conditions for the Newbridge Advantage Personal Prepaid Card Program (“Program”).  In this Agreement, the words: “We,” “us”, “our”, and “Newbridge” mean Newbridge Advantage, any one of Newbridge Financial Groups of Companies, and affiliates. “You”, and “your” refer to the Applicant (the “Application”) identified on the first page of this application.  “Program Partner”, mean third party company or business entity who owns a product or service that is supplied by Newbridge. “


Newbridge, its affiliates and Program Partners may keep you informed about other products, services and offers, which may be of interest to you.  If you do not wish these communications to be made to you please notify us in writing. IMPORTANT NOTE: You have agreed that you wish to receive these communications from us, you may be contacted even if you have registered your phone number on any governmental do not call register. VERIFICATION – By submitting this application you acknowledge that these acknowledgements and consents will remain in force until all product(s) and facility(ies) which you may have with us is/are at an end. CALL RECORDING – Your telephone calls and conversations with Newbridge representative may be recorded and monitored for quality, training and verification purposes.

1. We collect yours personal information to assess the application submitted to us. If you do not provide us with the information or the information provided is incorrect or incomplete, we may not be able to process your application or provide or administer the products or services that you are seeking. 2. To provide you with products and services, and manage your relationship with us and our Program Partners, we may share your personal information with other Newbridge affiliates, Program Partners, and other parties. If you have applied for a Newbridge Advantage Prepaid Card, we will also share your information with other entities and organizations involved in the Card Program. 3. We reserve the rights, to obtain your personal credit and commercial credit information from a credit reporting agency or other organization that provides personal credit and commercial credit information. 4. We may use your personal credit and commercial credit information: (a) to assess your application; (b) to assess Cardholder’s application; (c) to verify your identity.  7. You can view the Newbridge Privacy Policy on our website or attain a copy by calling us on 416-410-2188. You can also access your personal information we hold by contacting us at the number above; a charge may apply for this access.


By accepting and using any product and service in the Program you agree:  1. To be bound by the terms and conditions in this Agreement and the agreements for the product or service you use or is subscribed to in this Program.  2. To be liable for all fees incurred by you. The various charges are detailed below and include the fees from the product and service agreements to which you are subscribed (collectively referred to as “Program Fees”).  3.  To setup with us a Pre-authorized Debit Agreement (“PAD” Agreement) for the purpose of: (a) payment of monthly recurring Program Fees, (b) transfer of funds for Loading Prepaid Cardholder accounts associated with your subscription to this Program, and (c) payment of any non-recurring Program Fees.   For more details about your Pre-Authorized Debit Agreement and your recourse rights, contact your financial institution or visit  4. To furnish information to us as necessary for compliance and maintenance of your program that may include but limited to: copy of Identifications, bank account, and signed authorization forms.  5.  To safeguard the security of the Program website, Prepaid Card, and other Program product and service by reporting immediately any unauthorized access or use of your login credentials to the Program website or related product and service websites, and lost or stolen Prepaid Card; either to Newbridge or to our Program Partners.   

 When you are accepted to the Program, you will be informed by email and will receive a login and password to the Program website at, where you can: 1. Activate your Newbridge Advantage prepaid card.  2. Purchase or subscribe to additional product and service.  3. Load funds to the prepaid card.  3. View the prepaid card(s) account activities and transactions.   4. Manage other card management functions that may be offered to you.  You agree that at our discretion we can from time to time add or remove or to change the service and product offered to you on our Program website.


You are subject to various fees including and not limited to the following: Application Fee (One time) $19.95; Prepaid Card Fee is $14.95/month; Loading Fee are: PAD Transfer is $2.00 and by Interac Online is $2.50; NSF Fee is $30.00 on each occurrence; Paper Statement Fee is $20.00.  Other product and service fees are detailed in the product or service agreements found also on our website:


We will post notice on our website of any changes to the product and service in this Program.  It is your responsibility to check for these notices periodically.  All notice of change will be posted 30 days in advance of when a change will take effect.  You cannot dispute the changes, and your only recourse is to cancel this Agreement.  Your continue use of this and other Programs will be your acknowledgement and acceptance of the changes.


You can cancel this agreement at any time by telling us in writing that you want to do so.  When you cancel this Agreement all fees are immediate due and payable in full.  We can cancel this Agreement and demand payment on the full outstanding amount without any reason by giving you 30 days written notice.  We can also cancel this Agreement without written notice or any notice whatsoever if we believe that the product or service in this Program has been or will be misused, or any of the terms and conditions are breached or violated by you.  In addition, we can also cancel any product or service and require you to return any documents, and associated materials to us, or to someone acting on our behalf, when we ask for them.  If either of us cancels this agreement all fees are immediately due and payable in full.  Any termination will not affect any of our rights or your obligations under this Agreement or any product or service agreements prior to termination.


We do not send out statements.  For information about the product and service in this Program you can login to your account through  However, should you require a statement you can order statement by calling our office at 416.410.2188 or by faxing your request to 888.746.1735; a paper statement fee will apply.


If you complete the application, you represent and warrant to us that all information supplied in the application and any future information that you provide to us is and will be correct and complete.  You further acknowledge that we will be relying on that information to determine your eligibility for product and service in this Program.  You acknowledge that no one else has a financial interest in the funds you transfer to us or the prepaid card and the proceeds advanced to the prepaid card will not be used by or on behalf of any third party.


You agree that we and our directors, officers, employees, agents, program partners will not be liable for any loss, expenses or damages suffered or realized to you: 1. If, through no fault of ours, you do not have funds with us to perform a transaction in this Program; 2. Except as provided in this Agreement, losses arising from any failure, error, or technical problem with our system or equipment; 3. If we are prohibited by law from completing a transaction; 4. If circumstances beyond our reasonable control prevent the transaction, despite reasonable precaution that we have taken; 5. For unauthorized transaction until you have notified us of the misuse, lost, or theft; and 6. If we decline to authorize a particular transaction, regardless of the reason.

You agree that we and our officers, employees, agents, program partners will not be liable for any loss, costs, damages, expense, claims whatsoever or inconvenience suffered or incurred by you arising from the use of the Program, loss or theft, negligence on our part, breach of contract or any other tort or cause of action at common law, in equity or by statute in relation to the use or operation of the Program, or if you are unable to access any product and service as a result of any failure, error, or malfunction, even if such failure, error, or malfunction was a result of our negligence or that of our employees or agents.  We and our directors, officers, employees and agents will not be liable under any circumstances for any indirect, special punitive or consequential losses or damages.

You agree that you are solely responsible for paying all applicable federal, provincial, and municipal taxes, income taxes and/or duties including but not limited to sales taxes, and federal and provincial payroll taxes relating to the funds you transfer to the prepaid card in this Program.  We will add sales taxes to the Program Fees where required by applicable laws, and you will pay such taxes unless you can provide us with a duly executed sales tax exemption certificate.


The failure of us to enforce at any time any of the provisions of this Agreement, or to exercise any right, election or option provided herein, shall not be a waiver, and shall in no way be construed as a waiver, of such rights, election or option, nor shall failure in any way be construed to affect the validity of this Agreement or any part thereof, or our right thereafter to enforce each and every such provision.


We are not responsible for failing to perform our obligations under this Agreement if we are prevented from doing so by unforeseen events or circumstances beyond our control, including, without limitation, acts of God or nature, wars, riots, embargos, acts of civil or military authorities, fires, floods, accidents, strikes, labour disputes, transportation delays or shortages, interruption in the supply of electricity, and other causes beyond our control. We are not responsible for any losses caused to you as a result of such circumstances.


You can send correspondence, inquiry, obtain information about us, and contact us at the following: Newbridge Advantage | 300-3000 Steeles Avenue East | Markham, Ontario | L3R4T9; Tel. 416.410.8200; Fax. 888.746.1735 / 416.410.8201; Email


This Agreement or the obligations in this agreement is not assignable by you.  We may assign this agreement to another party at any time.


If any provision of this Agreement is determined to be void or unenforceable, all other provisions of this Agreement shall remain valid and enforceable as though the void or unenforceable provision had never been a part thereof.


While every effort will be made to ensure all information sources provide correct information relating to the product and service offered in this program, we rely on many information sources, some of which are outside our control, and we will not be held liable or responsible for the accuracy of information from such sources.

You acknowledge that any money transfer or held by Newbridge does not have any protection from the Canadian Deposit Insurance Corporation (“CDIC”)  nor will you be able to have any recourse to CDIC.  This Program is only available to Companies in the common law provinces and is not available to residences of the province of Quebec.


This Agreement will be governed by and interpreted in accordance with the laws of the Province of Ontario, Canada.


It is acknowledged that you have certain rights pursuant to consumer protection legislation of your Province; you are encouraged to review these rights and ensure that you understand your rights.


The parties have requested that this agreement and all documents related to it be drawn up in English.  Les parties conviennent et exigent expressément que ce contrat et tous documents émis en vertu de celui-ci soient rédigés en anglais

For Lost and Stolen Card contact: Tel: 1-888-410-2166
For more information call 416-410-2188