Ever turned down a potential client due to poor credit? We offer a highly successful Referral Partner Program. By offering the Refresh program to your clients, you can transform financial futures and turn declined opportunities into clients for life.
We take good care of your information and respect your privacy. All fields are required unless otherwise indicated.
Hi a few months ago I was rejected for getting a new phone through a contract because of my poor credit rating due to old credit. No one would give me a chance until I started paying monthly payments to Refresh Financial. Now thanks to you I was approved for a new phone under a contract and it feels great not having to waste all that money on prepaid minutes for my phone even if I never used them. Now I'm saving money, rebuilding my credit and I owe it all to you. ”Ashley, Stellerton, NS
LIMITATIONS ON INVESTMENT GUIDANCE AND PROFESSIONAL ADVICE
Refresh Financial Inc. (hereinafter referred to as “Refresh Financial”) websites are not intended to provide legal, tax, investment or accounting advice. Nothing on Refresh Financial’s websites should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product or services by Refresh Financial or any third party. Certain planning tools or money management tips available on the Refresh Financial’s websites may provide general investment and/or financial education based on your input. You are solely responsible for determining whether any investment strategy, money saving strategy, debt management strategy, security or related transaction is appropriate for you based on your personal debt levels, your investment objectives, financial circumstances and risk tolerance. You should consult your legal, accounting or tax professional regarding your specific situation.
COPYRIGHT POLICY, LINKING POLICY AND TRADEMARKS
Refresh Financial’s websites are protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the content of any Refresh Financial sites, including any text, graphics, video, audio, software code, user interface design or logos.
Unless you and Refresh Financial have agreed otherwise, links from another web site to a Refresh Financial site must resolve to the top-level homepage of the Refresh Financial domain (www.refreshfinancial.ca).
In order to avoid confusion if you do link from another website to a Refresh Financial website top-level homepage, your website, and the link itself, may not suggest that Refresh Financial endorses, sponsors or is affiliated with any non-Refresh Financial website, entity, service or product, and may not make use of any Refresh Financial trademarks or service marks other than those contained within the text of the link.
All trademarks and service marks on the Refresh Financial Sites belong to Refresh Financial Inc. or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners.
If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Refresh Financial with the following information:
– A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright allegedly infringed;
– A description of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are the subject of a single notice, a representative list of such works;
– An identification of the allegedly infringing material, and a description of where that material is located on the Refresh Financial website;
– Your address, telephone number, and email address;
– A statement by you that you have a good faith belief that use of the disputed material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
– A statement by you, made under penalty of perjury, that the information you provide in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on behalf of the copyright owner.
Refresh Financial’s Agent for Notice of claims of copyright infringement can be reached as follows:
Refresh Financial Inc.
PO Box 25151 Mission Park RPO
THIRD PARTY CONTENT AND RESEARCH
The Refresh Financial websites may include general news and information, commentary, interactive tools, quotes, research reports and data concerning the financial markets and other subjects. Some of this content is supplied by companies that are not affiliated with any Refresh Financial entity (“Third Party Content”). On the Refresh Financial websites, the source of all Third Party Content is clearly and prominently identified. Third Party Content is available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.
Refresh Financial has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give debt management advice, or investment advice.
While Refresh Financial makes every attempt to provide accurate and timely information to serve the needs of users, neither Refresh Financial nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and Refresh Financial and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN “AS-IS” BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TIMELINESS OF CONTENT
All content on the Refresh Financial websites are presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
Because all servers have limited capacity and are used by many people, do not use Refresh Financial websites in any manner that could damage or overburden any Refresh Financial server, or any network connected to any Refresh Financial server. Do not use Refresh Financial websites in any manner that would interfere with any other party’s use of the Refresh Financial websites.
MEANS OF ACCESS
The Refresh Financial websites are generally intended to be viewed by a conventional web browser with a screen resolution of 1024 by 768 pixels or greater. Although you may use other means to access the Refresh Financial websites, be aware that the Refresh Financial websites may not appear accurately through other access methods, and you use them only at your own risk.
You should not access the Refresh Financial websites through devices or services that are designed to provide high-speed, automated, repeated access, unless such devices are approved or made available by Refresh Financial.
Certain parts of the Refresh Financial websites may be protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the Refresh Financial websites, or to any other protected materials or information, through any means not intentionally made available by Refresh Financial for your specific use.
PASSWORD SECURITY AND NOTIFICATION
If you have a username and password for access to non-public areas of the Refresh Financial websites, you are solely responsible for all activities that occur in connection with your username. Accordingly, you should take steps to protect the confidentiality of your password. Notify Refresh Financial immediately if you become aware of any disclosure, loss, theft or unauthorized use of your password.
DISCLAIMER OF WARRANTIES
Refresh FINANCIAL DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE Refresh FINANCIAL SITES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE Refresh FINANCIAL SITES ARE MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND Refresh FINANCIAL DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.
Refresh FINANCIAL DOES NOT WARRANT THAT Refresh FINANCIAL SITES WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. Refresh FINANCIAL ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE Refresh FINANCIAL SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE Refresh FINANCIAL SITES WILL MEET YOUR EXPECTATIONS.
LIMITATION OF LIABILITY
Refresh FINANCIAL WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE Refresh FINANCIAL SITES AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF Refresh FINANCIAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
Refresh FINANCIAL WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH Refresh FINANCIAL DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.
IF YOU LIVE IN A JURISDICTION THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.
As a condition of your use of the Refresh Financial websites, you agree to indemnify and hold Refresh Financial and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of the Refresh Financial websites, or from your violation of these Terms.
Refresh Financial may terminate your access to the Refresh Financial websites for any reason, without prior notice.
Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the Province of British Columbia without regard to conflicts of law, and shall inure to the benefit of Refresh Financial, and it’s successors, assigns, employees, and agents, whether by merger, consolidation, or otherwise. The Courts of Superior Jurisdiction for the Province of British Columbia, as located in Vancouver, British Columbia shall have exclusive jurisdiction to deal with all matters herein and you hereby attorney to such jurisdiction.
If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
1. We directly collect, use and disclose your personal information, including information obtained in the past and information obtained in the future, for the purposes of:
processing applications for Loans and any new applications for loan and credit products;
providing information to suppliers of products and services to our clients or Refresh, including data service providers, in connection with Loans or other credit products;
understanding our clients needs and determining the suitability of products and services for our clients, determining eligibility for these products and services for our clients; providing information about products and services and special promotions (marketing offers, partner offers) to our clients; enabling Refresh affiliates and other carefully selected organizations to provide information about products to our clients; analyzing client’s information for marketing purposes, including conducting surveys, developing and enhancing products and services, and ensuring high services standards;
establishing our client’s identity; verifying information provided by them with third parties, including employers and other financial institutions; verifying information provided by third parties; administering Refresh loans provided to our clients; and making sure clients are kept separate from others with the same name; and providing regular updates to credit reporting agencies.
Protecting our clients, Refresh or other persons from error or fraud, such as identity theft;
Collecting a debt owing to Refresh; insuring or otherwise protecting Refresh’s interest in security held by Refresh; realizing security held by Refresh; or enforcing an agreement between our clients and Refresh;
Transferring or selling Refresh assets, such as acquisition, merger, loan syndication, securitization of loans, or sale of loans;
Complying with legal requirements, including money laundering laws and regulations and cost of credit disclosure laws;
Sending our clients financial information, such as the Refresh newsletter and information about Refresh activities or events;
2. Refresh maintains its own physical and electronic file containing our client’s personal information.
3. While at Refresh the access to our client’s files is restricted to Refresh personnel on a need to know basis. Our personnel are required to safeguard the confidentiality of your personal information and privacy. We have systems in place which safeguard client’s personal information to prevent unauthorized access.
5. Clients will have access to their personal information upon request and they may challenge the accuracy and completeness of the information and such information will be amended as appropriate.
Refresh Financial Inc. – Attention: Privacy Officer
PO Box 25151 Mission Park RPO