Newbridge Advantage

 

TERMS & CONDITIONS - APPENDIX

Link to: PERSONNA LINE OF CREDIT 

 

Appendix - Personna Line of Credit Application

These Terms and Conditions form part of your application for a Newbridge Advantage Persona Line of Credit. The words “we”, “our”, and “us”, refer to Newbridge Advantage, and Newbridge Capital (or collectively as “Newbridge”). The words, “you” and “your” refer to the Applicant (the “Applicant”) identified on the first page of this application.

Privacy Preference

Newbridge and its affiliates and 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) or 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.

Privacy Consent

Personal information and credit information – 1. We collect your personal information to assess this application and to administer the credit facility and related services. If you do not provide us with the information or the information provided is incorrect or incomplete, we may not be able to assess 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 account and relationship with us, we share your personal information with other Newbridge affiliates, sales agents 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 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 give or obtain your personal information, including your personal credit or commercial credit information, about your credit worthiness, credit standing, credit history or credit capacity with: (a) other credit providers; (b) any signatory to the facility for which you are applying; (c) any broker, financial, legal or other adviser acting in connection with your facility or application; (d) a credit reporting agency or other business or other organization that provides personal credit or commercial credit information [Information that we provide may include: your identity particulars; (for applicant only) that you have applied for personal or commercial credit and the amount; Newbridge Capital is your current credit underwriter; if your payments are overdue by more than 30, 60, 90...etc days and/or collection action has commenced; payments are no longer overdue (applicant only); cheques that you have drawn have been dishonoured more than once; in Newbridge’s opinion you have committed a serious credit infringement; and/or credit provided to you has been discharged.]; (e) any insurer relating to your facility including consumer credit insurance to arrange and administer consumer credit insurance or any trade insurer for any purpose relating to an application for commercial credit; any person in connection with funding financial accommodation by securitisation; (f) organizations wishing to acquire an interest in any part of Newbridge’s business for assessing any proposed acquisition; and (g) organizations that carry out functions on our behalf including mailing houses, data processors, researchers and collection agents, some of which may be located outside Canada. 5. We may use your personal credit and commercial credit information: (a) to assess an application for credit; (b) to assess an applicant or guarantor; (c) to assist in avoiding any defaults under any credit obligations; (d) to tell other credit providers about defaults made by you; (e) to assess your credit worthiness. 6. You can view the Newbridge Privacy Policy on our website www.NewbridgeAdvantage.com or attain a copy by calling us on 416-410-2188. You can access your personal information we hold by contacting us on the number above; a charge may apply for this access.

Newbridge Advantage Persona Line of Credit

By completing and signing this application you are requesting Newbridge to open a Persona Line of Credit account (the “LOC Account”) in your name and to issue a Newbridge Advantage Prepaid Card (the “Card”) to you. If this application is approved, you will be jointly and severally liable for all charges, indebtedness and liabilities of any kind whatsoever incurred on the Card and LOC Account including, but limited to all principal and interest, fees and charges due or owing to Newbridge under the LOC and Card account.

Persona Line of Credit Agreement – If your application is approved you agree to abide by: (1) Persona Line of Credit Terms and Conditions (the “LOC Agreement”), (2) Newbridge Advantage Prepaid Card Terms and Conditions (the “Cardholder Agreement”), and (3) any other program Agreements that may be offered to you from time to time in which you participate. The above named and other programs Agreements or offers Terms and Conditions are available on our website at www.newbridgeadvantage.com.  You are highly encouraged to review such this information from time to time for any changes.

Prior to Card activation, the Card may be returned if you do not wish to be bound by the terms of the Agreements, but if you sign, use or accept the Card or use the Card or Account in any manner, it will mean that you accept and agree to the terms of the programs/offers set out in its Agreements, and the Rates and Fees that may be indicated therein.

Rates and Fees Persona Secure Line of Credit1:

Application fee (one time)2                $ 99.00

Monthly fee                                         19.95

NSF fee                                               35.00

Annual Interest rate                               12%

Paper statement fee:                             $ 10.00

Pre-authorized payment (1 per month)         0.00

Loading Fee (EFT per transaction)                2.50

1. Fees and Rates expressed herein are in Canadian dollars.

2. Application fee is non-refundable once your applicant is approved for the Persona LOC Account.

Newbridge Advantage Prepaid Card

Newbridge Advantage Prepaid Card Terms and Conditions is available on our website, www.NewbridgeAdvantage.com and a copy of the Cardholders Agreement will also be sent along with your Newbridge Advantage Prepaid Card.

Newbridge Advantage Prepaid Card fees:

ABM usage                                                 $ 2.25

POS usage                                                   0.50

ABM and POS declined transaction fee             0.75

ABM balance inquiry                                      0.75

Card to Card transfer                                    3.00

Card Account liquidation                               25.00

Non-ABM Withdraw                                       10.00

Loading fee (EFT Transaction fee)                   2.50

Application & Replacement card          $25.00

Chargeback fee                                 35.00

Online transaction history                     Free

e-wallet access                                    Free

Web inquiry                                        Free

Foreign currency conversion               call us

International POS                                0.50

NOTE: If you use an ABM for any transaction, including a balance inquiry, you may be charged a fee by the ABM operator even if you do not complete a withdrawal. ABM fee is a third party fee, and the amount is assessed by the individual ABM operator and it is not assessed by us. This ABM fee amount will be charged to your card.

TruCa$h Reward

By accepting the Newbridge Advantage Prepaid Card, you acknowledge that you are also TruCa$h cardholders. TruCa$h cardholder may earn TruCa$h Points through the point-earning opportunities of the program when presenting their TruCa$h card. TruCa$h cards must be presented at the time of purchase to receive points. The purchase requirements and terms of issue of points may vary from one TruCa$h provider to another. Cardholders must notify TruCa$h of any address or name changes at: DCR Strategies Inc., 2680 Skymark Ave., Suite 420, Mississauga, ON L4W 5L6 or by phone at 1-800-624-6171. TruCa$h maintains the privacy of the cardholders' information in the administration and communication of the program. For a copy of the TruCa$h Reward Privacy Policy and Terms and Conditions please visit www.NewbridgeAdvantage.com. DCR Strategies, Inc., an Ontario corporation as licensor of TruCa$h, and reserves the right to terminate the TruCa$h Points program, to add and delete providers and to alter, limit, modify or add to the TruCa$h program rules, regulations, terms and conditions without prior notice at any time and from time to time.

Other Programs

We may from time to time offer other programs (the “Programs”) to you for being a Newbridge client/customer. You understand that eligibility under the Program will be subject to the requirements of the Programs and should you decide to participate  you agree to be bound by the terms of the Programs and you agree that any use of the Programs, that may be offered to you, will signify acceptance with the terms conditions of the Programs. We reserve the right to cancel or amend any Programs without notice.

Representation

If you complete the application, you represent 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 and acknowledge that we will be relying on that information to underwrite and approve you for credit.  You acknowledge that no one else has a financial interest in the Account or the Card and the proceeds advanced to the Card will not be used by or on behalf of any third party.

General

The Information set out herein is correct as of November 1, 2011 and are subject to changes in accordance with the Newbridge Advantage Persona Line of Credit Agreement. For complete information please contact 416.410.2188.

Disclaimers

You acknowledge that Newbridge may require you from time to time to provide collateral. You also acknowledged that any money held by Newbridge does not have any protection or benefit from Canadian Deposit Insurance Corporation (“CDIC”) nor will you be able to have any recourse to CDIC. The Newbridge Advantage Persona Line of Credit and Newbridge Advantage Prepaid MasterCard® is only available in the common law provinces and is not available to residences of the province of Quebec.

Statutory Protection

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.

 

Newbridge Advantage

3000 Steeles Avenue East, Suite 300

Toronto, Ontario L3R 4T9

Tel: 416.410.8200

Fax: 888.746.1735

www.NewbridgeAdvantage.com

Info@NewbridgeAdvantage.com

Appendix -Terms and Conditions

These Terms and Conditions form part of your application for a Newbridge Advantage Credit Builder program. The words “we”, “our”, and “us”, refer to Newbridge Advantage, and Newbridge Capital (or collectively as “Newbridge”). The words, “you” and “your” refer to the Applicant (the “Applicant”) identified on the first page of this application.

Privacy Preference

Newbridge and its affiliates and 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 acknowledgments and consents will remain in force until all product(s) or 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.

Privacy Consent

Personal information and credit information – 1. We collect your personal information to assess this application and to administer the credit facility and related services. If you do not provide us with the information or the information provided is incorrect or incomplete, we may not be able to assess 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 account and relationship with us, we share your personal information with other Newbridge affiliates, sales agents 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 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 give or obtain your personal information, including your personal credit or commercial credit information, about your credit worthiness, credit standing, credit history or credit capacity with: (a) other credit providers; (b) any signatory to the facility for which you are applying; (c) any broker, financial, legal or other adviser acting in connection with your facility or application; (d) a credit reporting agency or other business or other organization that provides personal credit or commercial credit information [Information that we provide may include: your identity particulars; (for applicant only) that you have applied for personal or commercial credit and the amount; Newbridge Capital is your current credit underwriter; if your payments are overdue by more than 30, 60, 90...etc days and/or collection action has commenced; payments are no longer overdue (applicant only); cheques that you have drawn have been dishonoured more than once; in Newbridge’s opinion you have committed a serious credit infringement; and/or credit provided to you has been discharged.]; (e) any insurer relating to your facility including consumer credit insurance to arrange and administer consumer credit insurance or any trade insurer for any purpose relating to an application for commercial credit; any person in connection with funding financial accommodation by securitisation; (f) organizations wishing to acquire an interest in any part of Newbridge’s business for assessing any proposed acquisition; and (g) organizations that carry out functions on our behalf including mailing houses, data processors, researchers and collection agents, some of which may be located outside Canada. 5. We may use your personal credit and commercial credit information: (a) to assess an application for credit; (b) to assess an applicant or guarantor; (c) to assist in avoiding any defaults under any credit obligations; (d) to tell other credit providers about defaults made by you; (e) to assess your credit worthiness. 6. You can view the Newbridge Privacy Policy on our website www.NewbridgeAdvantage.com or attain a copy by calling us on 416-410-2188. You can access your personal information we hold by contacting us on the number above; a charge may apply for this access.

Newbridge Advantage Credit Builder

By completing and signing this application you are requesting Newbridge to open a Credit Builder Secure Line of Credit account (the “Secured Account”) in your name and to issue a Newbridge Advantage Prepaid Card (the “Card”). If this application is approved, you will be jointly and severally liable for all charges, indebtedness and liabilities of any kind whatsoever incurred on the Card and Secured Account including, but limited to all principal and interest, fees and charges due or owing to Newbridge under the Secure Account and Card.

Credit Builder Secure Line of Credit Agreement – If your application is approved you agree to abide by: (1) Credit Builder Secure Line of Credit Agreement (the “Credit Line Agreement”), (2) Newbridge Advantage Prepaid Card personal cardholder agreement (the “Cardholder Agreement”), and (3) any other programs/offers Agreement that may be offered to you from time to time in which you participate. The above named and other programs/offers Terms and Conditions are available on our website at www.newbridgeadvantage.com.  You are highly encourage to review such Terms and Conditions from time to time for any changes.

The Card may be returned if you do not wish to be bound by the terms of the Agreements, but if you sign, use or accept the Card or use the Card or Secured Account in any manner, it will mean that you accept and agree to the terms of the programs/offers Agreement, and the Rates and Fees that may be indicated therein.

Rates and Fees Credit Builder Secure Line of Credit1:

Application fee (one time)2                    $ 99.00

Monthly fee                                               19.95

NSF fee                                                      35.00

Paper statement fee:                             $ 10.00

Pre-authorized payment (1 per month)     0.00

Loading Fee (EFT per transaction)              2.50

1.Fees and Rates expressed herein are in Canadian dollars.

2.Application fee is non-refundable once the applicant is approved for the Credit Builder

Newbridge Advantage Prepaid Card

Newbridge Advantage Prepaid Card Terms and Conditions is available on our website, www.NewbridgeAdvantage.com and a copy of the Cardholders Agreement will also be sent along with your Prepaid Card.

Newbridge Advantage Prepaid Card fees:

ABM usage                                                $ 2.25

POS usage                                                    0.50

ABM and POS declined transaction fee       0.75

ABM balance inquiry                                    0.75

Card to Card transfer                                    3.00

Card Account liquidation                            25.00

Non-ABM Withdraw                                  10.00

Loading fee (EFT Transaction fee)               2.50

Application & Replacement card             $25.00

Chargeback fee                                           35.00

Online transaction history                           Free

e-wallet access                                            Free

Web inquiry                                                  Free

Foreign currency conversion                     call us

International POS                                         0.50

NOTE: If you use an ABM for any transaction, including a balance inquiry, you may be charged a fee by the ABM operator even if you do not complete a withdrawal. ABM fee is a third party fee, and the amount is assessed by the individual ABM operator and it is not assessed by us. This ABM fee amount will be charged to your card.

TruCa$h Reward

By accepting the Newbridge Advantage Prepaid Card, you acknowledge that you are also TruCa$h cardholders. TruCa$h cardholder may earn TruCa$h Points through the point-earning opportunities of the program when presenting their TruCa$h card. TruCa$h cards must be presented at the time of purchase to receive points. The purchase requirements and terms of issue of points may vary from one TruCa$h provider to another. Cardholders must notify TruCa$h of any address or name changes at: DCR Strategies Inc., 2680 Skymark Ave., Suite 420, Mississauga, ON L4W 5L6 or by phone at 1-800-624-6171. TruCa$h maintains the privacy of the cardholders' information in the administration and communication of the program. For a copy of the TruCa$h Reward Privacy Policy and Terms and Conditions please visit www.NewbridgeAdvantage.com. DCR Strategies, Inc., an Ontario corporation as licensor of TruCa$h, and reserves the right to terminate the TruCa$h Points program, to add and delete providers and to alter, limit, modify or add to the TruCa$h program rules, regulations, terms and conditions without prior notice at any time and from time to time.

Other Programs

We may from time to time offer other programs (the “Programs”) in connection with you being a Newbridge client/customer. You understand that eligibility under the Program will be subject to the requirements of the Programs and you agree to be bound by the terms of the Programs and you agree that any use of the Programs, that may be offered to you, will signify acceptance with the terms conditions of the Programs. We reserve the right to cancel or amend any Programs without notice.

Representation

If you complete the application, you represent 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 and acknowledge that we will be relying on that information to underwrite and approve you for credit. You acknowledge that no one else has a financial interest in the Secured Account or the Card and the proceeds advanced to the Card will not be used by or on behalf of any third party.

General

The Information set out herein is correct as of November 1, 2011 and are subject to changes in accordance with the Newbridge Advantage Credit Builder Secured Line of Credit Agreement. For complete information please contact 416.410.2188.

Disclaimers

It is acknowledged that any money held by Newbridge does not have any protection or benefit from Canadian Deposit Insurance Corporation (“CDIC”) nor will you be able to have any recourse to CDIC. You also acknowledge that Newbridge's products provide you with an opportunity to establish a trade-line credit history only, this will not resolve any other credit issues or problems that you may have. The Newbridge Advantage Credit Builder and Newbridge Advantage Prepaid MasterCard® is only available in the common law provinces and is not available to residences of the province of Quebec.

Statutory Protection

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.

 

Newbridge Advantage

3000 Steeles Avenue East, Suite 300

Toronto, Ontario L3R 4T9

Tel: 416.410.8200

Fax: 888.746.1735

www.NewbridgeAdvantage.com

Info@NewbridgeAdvantage.com

For Lost and Stolen Card contact: Tel: 1-800-624-6171
For more information call 416-410-8200


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