Privacy Statement

Introduction

At ILEND (“ILEND”) we understand that privacy is an important issue. ILEND is committed

to protecting privacy and supports a general policy of openness about how we collect, use and

disclose personal information.

The purpose of this Privacy Statement is to inform individuals about ILEND’s practices

relating to the collection, use and disclosure of personal information that may be provided

through access to or use of our websites or services and related products or that may otherwise

be collected by us. By purchasing our products or using our services or website, you consent to

the collection, use and disclosure of personal information (as defined below) in accordance

with the following terms and conditions.

This Privacy Statement also explains how to contact us if you have a question about, want to

make a change to or delete any personal information that ILEND may be holding about you.

We strongly recommend that you take the time to read this Privacy Statement and retain it for

future reference.

ILEND will continue to review this Privacy Statement to ensure it remains current with

changing laws and regulations while meeting the evolving needs of our customers. In the event

of any amendment to the Privacy Statement, a notice will be posted on our website.

Personal Information

For the purpose of this Privacy Statement, “personal information” means information about an

identifiable individual, such as name, home address, home telephone number, birth date, Social

Insurance Number and credit reports. Personal information does not include business contact

information such as the individual’s title, business address, or business telephone number,

business fax number or business email address.

Accountability

ILEND is responsible for personal information under its control and has designated individuals

to be accountable for ILEND’s compliance.

ILEND has appointed an individual to be its Privacy Officer, who is accountable overall for

ILEND’s compliance with this Privacy Statement. On a day-to-day basis, the collection and

processing of personal information is delegated to other employees within ILEND.

ILEND is responsible for personal information in its possession or control and will use

reasonable means to provide a proper level of protection for personal information, including

when personal information is being processed by a third party.

ILEND will disclose the title of the person(s) designated to oversee compliance with this

Privacy Statement upon request.

ILEND continues to develop and refine policies and procedures to protect personal

information, receive and respond to complaints and inquires, train employees and communicate

this information to customers.

Identifying Purposes

ILEND will identify the purposes for which personal information is collected at or before the

time the information is collected. This information may be communicated orally, electronically

or in writing.

ILEND collects, uses and discloses personal information for the following purposes:

• To provide financial services to customers;

• To develop, manage and market products and services to meet the needs of customers;

• To obtain credit information and credit reports from credit reporting agencies to assess credit

history and credit worthiness and to confirm accuracy of information provided by individuals

(including by contacting employers and personal references);

• To confirm details of customer employment;

• To contact customers for products and services that may be of interest;

• To determine the eligibility of customers for different products and services that may be of

interest;

• To extract certain information for the purpose of generating statistics and analysis for purposes

of conducting and improving our business;

• To ensure a high standard of service to customers;

• To meet legal and regulatory requirements;

• To confirm the identity of a customer and to prevent and detect fraud;

• and To collect debt that may become owed to ILEND by a customer.

ILEND will identify any new purpose(s) for which personal information is being collected,

used or disclosed.

Individuals will be informed by ILEND by the posting of a notice on ILEND’s website, written

notification or direct communication.

Consent

ILEND collects personal information through our website and when it is voluntarily provided

to us. Typically, ILEND will seek consent for the use or disclosure of personal information at

the time of collection. In certain circumstances, consent may be sought after the information

has been collected but before use (for example, when we want to use information for a purpose

not previously identified).

The form of consent that we seek, including whether it is express or implied, will largely

depend on the sensitivity of the personal information and the reasonable expectations of the

individual in the circumstances. An individual’s consent may be explicit or implied and consent

can be given either orally, electronically or in writing. Use of products and services offered by

ILEND constitutes implied consent for the collection, use and disclosure of personal

information for all identified purposes.

Consent may be withdrawn at any time, subject to legal or contractual restrictions and

reasonable notice. If you wish to withdraw your consent at any time, please contact ILEND’s

Privacy Officer at support@i-lend.info. We will inform you of the implications of withdrawing

consent.

ILEND will not, as a condition of the supply of a product or service, require consent to the

collection, use or disclosure of information beyond that required to fulfill the explicitly

specified and legitimate purposes for which the information is being provided. However,

refusal or withdrawal of consent by a customer may prevent ILEND from providing a product

or service to that customer. ILEND will not unreasonably withhold products or services from a

customer who refuses or withdraws consent, but if the personal information is required to offer

the product or service, ILEND may decline to deal with the customer who will not consent to

the use of such personal information. ILEND maybe contacted for more information regarding

the method by which consent can be withdrawn.

ILEND may collect, use or disclose personal information without the individual’s knowledge

and consent in certain circumstances. For example:

• When the collection, use, and disclosure is permitted or required by law;

• When the collection, use, and disclosure is clearly in the interests of the individual and consent

cannot be obtained in a timely manner;

• When seeking the consent of the individual may defeat the purpose of collecting the

information;

• When use of the information is for an emergency that threatens the life, health or security of an

individual;

• or When needed to collect a debt, to comply with a subpoena, warrant or other court order, or

as otherwise required or authorized by law.

Limiting Collection

The collection of personal information is limited to that which is related to the identified

purposes.

Personal information will be collected by fair and lawful means. Most personal information

will be collected directly from employees and customers.

ILEND may also collect personal information from sources such as credit bureaus, employers,

personal references, or other third parties.

Limiting Use, Disclosure and Retention

Personal information will not be used or disclosed for purposes other than those for which it

was collected, except with the consent of the individual or as required by law.

ILEND transfers and stores customer personal and transaction information with suppliers and

service providers located outside of Canada, including in the USA, for the purposes listed in the

Identifying Purposes section above. If you would like further information about the transfer and

storage of customer personal and transaction information outside of your province or outside of

Canada, please contact our Privacy Officer at support@i-lend.info.

In addition, ILEND may use and disclose personal information to third parties as follows:

• To conduct analysis of use of our website, prevent and detect fraud and assist ILEND in

managing its relationship with its customers;

• A ILEND agent that will evaluate the customer’s creditworthiness or to collect a potential debt;

• A credit reporting agency to obtain credit information and credit reports to assess credit history

and credit worthiness and to confirm accuracy of information;

• The issuer and/or payer of negotiable items to confirm identity, arrange for the issuance of

negotiable items or arrange for the delivery of negotiable items to customers;

• A third party – where individual consents to disclosure;

• A third party – where disclosure is required by law;

• A public authority or agent of a public authority where there is imminent danger to the life or

property of an individual which could be avoided or minimized by disclosure;

• and Conduct surveys in order to enhance our products and services to meet customer needs.

Where personal information is disclosed to a third party, ILEND will ensure that appropriate

security measures are utilized to protect the use and disclosure of personal information.

Only ILEND employees are authorized or granted access to personal information about

customers when responsibilities reasonably require.

ILEND will retain personal information for up to [one] year unless a longer period is necessary

for the fulfillment of identified purpose, or required by law.

ILEND reserves the right to disclose and transfer personal information to a third party in the

event of a proposed or actual purchase, sale (including a liquidation, realization, foreclosure or

repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer,

conveyance or financing of all or any portion of ILEND. or its corporate affiliates, or of any of

the business or assets or shares of ILEND. or its corporate affiliates, or divisions thereof in

order for you to continue to receive the same products and services from the third party.

Accuracy

Reasonable efforts will be made to ensure that personal information is as accurate, complete

and up-to-date as is necessary for the purposes for which it is used.

Due to the nature of ILEND’s business, personal information will be updated on an on-going

basis as the customer utilizes ILEND’s products and services.

Safeguards

Personal information will be protected by reasonable security safeguards appropriate to the

sensitivity of the personal information.

ILEND is committed to the protection of personal information against loss, theft, unauthorized

access, disclosure, duplication, use and modification regardless of the format in which the

personal information is held.

ILEND will protect personal information disclosed to third parties by means of contractual

agreements with respect to the confidentiality of the personal information and the purposes for

which the personal information is to be used.

ILEND will use reasonable security measures in the disposal of personal information.

The protection of personal information is an ongoing process, and ILEND will update and

review the reasonableness of the security safeguards as needed.

Openness

Information is available to individuals regarding ILEND’s policies and procedures relating to

the management of personal information. Efforts have been made to make these policies and

procedures understandable and easily available, either in written or electronic format.

ILEND will make the following information available:

• Contact information of the Privacy Officer;

• Means of gaining access to personal information held by ILEND;

• and A brief description of the type of personal information retained by ILEND and a general

account of its use.

Individual Access

Upon written request, and within a reasonable period of time, a customer will be informed of

the existence, use, and disclosure of his or her personal information and will be given access to

that information. An individual is entitled to comment on the accuracy and completeness of his

or her personal information, and have that information amended where appropriate.

ILEND will respond to an individual request within a reasonable time period and at a minimal

cost to the customer. ILEND will make commercially reasonable efforts to make the

information available within 30 days of the request. The cost of providing information will vary

with the type and amount of information requested. Individuals can seek access to their

personal information by submitting a written request to the Privacy Officer at support@ilend.

info.

An individual will be required to provide sufficient personal information to confirm their

identity with ILEND.

An individual shall be able to challenge the accuracy and completeness of their personal

information and have it amended as appropriate. ILEND will amend personal information when

a customer successfully demonstrates the inaccuracy or incompleteness of their personal

information. Any unresolved disagreements relating to the accuracy and completeness of a

individual’s personal information will be noted for so long as such information remains

relevant.

ILEND may not be able to provide access to any or all of an individual’s personal information.

If a request for personal information is denied, ILEND will notify the individual in writing,

documenting reasons for refusal and resources available for redress.

Reasons for refusing access may include:

• That the personal information is unreasonably costly to provide;

• That the release of the personal information may threaten the life or security of a third party;

• That the personal information is subject to or generated in a formal dispute resolution process;

• That the personal information cannot be disclosed for legal, security, or commercial proprietary

reasons;

• or That the personal information is subject to solicitor-client or litigation privilege.

Cookies

Cookies are small data files placed on a user’s computer by a website. They may store and

transmit information to websites that users visit. Examples of ILEND’s use of cookies on our

website include:

• Help provide our products and services to customer;

• Provide users of our website with personalized service;

• Market our products and services;

• Analyze the flow of traffic to our website;

• and Analyze and track the traffic of website users from page to page within our website.

Users may accept or decline cookies through the configuration settings of their web-browser. If

you choose to configure your web-browser to decline cookies, some pages of our website may

not function properly.

Text Message Policy

By providing your cell phone number, you have provided us with consent to send you text

messages in conjunctions with the services you have requested. Your cellular provider’s

Msg&Data Rates may apply to our confirmation message and all subsequent messages.

You understand the text messages we send may be seen by anyone with access to your phone.

Accordingly, you should take steps to safeguard your phone and your text messages if you want

them to remain private.

Please notify us immediately if you change mobile numbers or plan to provide your phone to

another person.

If we modify this Text Message Policy, we will notify you by sending you a text message with

a link to the new policy. We may terminate our text message program at any time.

If you have any questions about this policy, would like us to mail you a paper copy of this

policy or are having problems receiving or stopping our text messages, you may contact us by

mail at 1332-938 Smithe Street, Vancouver BC, V6Z3H8; by telephone at (236)862-8287; by facsimile at 1-855-674-6329; or by e-mail at support@i-lend.info.

You agree and consent to be contacted by the Company, Our agents, employees, attorneys,

affiliates, subsequent creditors, loan servicing companies, and third‐party collectors through the

use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work

phone numbers, as well as any other phone number you have provided in conjunction with this

account, including the use of automatic telephone dialing systems, autodialers, or an artificial

or prerecorded voice.

Opt‐out or STOP

This policy applies to the text messages sent by ILEND to our customers while and after they

use our service. If you wish to stop receiving marketing text messages from ILEND Inc., reply

to any text message we have sent you and in the reply text simply type STOP.

Your stop request will become effective within one day. You may also stop text messages by

calling us or emailing us using the contact information below. You may contact us by telephone

at (236)862-8287; or by e-mail at support@i-lend.info.

Help or Support

If at any time you need our contact information or information on how to stop text messages,

reply to any text message we have sent you and in the reply text simply type HELP. Upon

receiving your text message, we will send you a text message with this information. In general,

the messages we send provide you with information about your account. Some of the text

messages we send may include links to websites. To access these websites, you will need a web

browser and Internet access.

Challenging Compliance

Individuals can address any challenge concerning compliance with this Privacy Statement to

ILEND’s Privacy Officer at support@i-lend.info.

ILEND will investigate all complaints. The customer will be informed of the outcome of the

investigation regarding his or her complaint.