Electronic Disclosure Consent

Electronic Disclosure Consent

CLC is asking for your consent in order to provide you with communications and information electronically. Electronic communication is convenient and easily assessable.

Please check the “I agree box” to give your consent.

We’re required by law to provide you the information below. Please save a copy for your records. If you have any questions about electronic disclosures that are not answered, feel free to contact us via one of these

  • Call us at (888) 330 1239, or
  • Email: support@citylending.ca
  • Send us a letter through Canada Post to: CLC, Head office 84 Enchanted way North, St Albert, AB, T8N 7R7.

1. Scope of Communications to Be Provided in Electronic Form

Your consent is needed to process your application and maintain an account for you. If you are unwilling to receive these disclosures and notices electronically, do not check the “I agree” box after closing this statement. If you consent, we may also provide other disclosures in an electronic format. These disclosures may include but are not limited to the following:

  • All legal and regulatory disclosures and communications associated with your account;
  • Applications and agreements for loan products or services;
  • Account terms and conditions;
  • Account statements;
  • Notice of change in account terms;
  • Notice of fee changes;
  • Responses to any questions you may have about electronic funds transfers;
  • Privacy and security notices.

You acknowledge and agree that:

  • We may send you any Communication electronically Your consent to receive electronic Communications will automatically enroll you in Paperless Statements and allow us to electronically send you all Communications by the methods set forth below in Section
  • You and we may sign and execute documents with electronic signatures, which will be just as effective and binding as a signature on paper. Your agreement to electronic signatures applies to any and all documents that you have agreed to receive electronically.

2. Method of Providing Communications to You

All Communications (including alerts that Communications have been provided or posted via any of the methods set forth below) will be provided by one or more of the following methods:

  • Through our website, including our mobile websites or, to the extent permitted by law, a website that we will designate in advance for any such Communications;
  • Via the email address you provide us;
  • Text messages and push notifications to your mobile device;
  • Secure messages via CreditStrong.com; or
  • By requesting you download a Hyper Text Markup Language (“HTML”) file or a Portable Document Format (“PDF”) containing the electronic Communication.


You acknowledge and agree that you may receive periodic text messages. You may opt out of receiving text messages at any time. To opt out of the CLC text message program, send a text message with the word “STOP” to from your mobile phone. If you need help with the text message service, please contact us at support@citylending.ca.

Standard message and data rates apply to all text messages sent to or received from us. For more information regarding these rates please review your mobile service plan or contact your mobile carrier.

4. How to Obtain Electronic Disclosures (E-Disclosures)

You may download or print electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies to your hard drive or other media for viewing and printing at a later time.

If you have trouble printing or if you need a paper copy for a special situation, you may request a paper copy from us by contacting us through any of the methods listed above. If you need a paper copy of any E- disclosure, we will provide the first copy for free. Charges may apply for additional paper copies.

5. System and Equipment Requirements

Prior to accepting electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access and retain documents and disclosures in an electronic format. You will need:

  • Internet
  • A computer and Internet browser that can support 128-bit encryption.
  • You will need Internet access through an Internet service provider (ISP).
  • A printer connected to your computer to print or download disclosures.
  • Sufficient hard-drive space or other media (e.g. floppy disk or CD) if you plan to save disclosures in an electronic format.
  • An external email address.

We may revise hardware and software requirements, and if there is a material chance that the changes may impact your ability to access the disclosures we will notify you of these changes thirty

(30) days in advance and provide you an opportunity to change your method of receiving disclosures without the imposition of any fees.

6. Cancellation of E-Disclosures

We will provide statements and agreements for the Credit Builder account in electronic format. If you cancel or withdraw your consent to electronic disclosures after opening a Credit Builder account with us, your Credit Builder account will be cancelled.

  • Call us at (888) 330 1239, or
  • Email: support@citylending.ca
  • Send us a letter through Canada Post to: CLC, Head office 84 Enchanted way North, St Albert, AB, T8N 7R7.

7. Address Changes

In order to provide electronic disclosures, we must maintain current customer email address at all times. It is your sole responsibility to provide us with your correct contact information, including your email address. You should notify this institution of any changes to your personal contact information through any of the methods described above in section 3.

8. Proceed with Acceptance of E-Disclosures

With your acceptance, you agree to accept account related disclosures in an electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address.

Upon completion of the registration process, we may send you an email and ask you to confirm your email address, and your ability to access electronic disclosures.

Your consent is voluntary, but we cannot process your application, maintain an account for you, or make a loan to you if you do not consent. If you are unwilling to receive these disclosures and notices electronically, do not check the “I agree” box after closing this statement.