Effective Date: January 1, 2022
By using this Site, you indicate that you have read and understand these Terms and Conditions and agree to abide by them at all times.
Purpose
This Communications Policy outlines how Think Money Finance Ltd. (“Think Money Finance”, “we”, “us”, or “our”) communicates with customers, applicants, and website users.
It ensures that all communications are conducted in a professional, respectful, and compliant manner, consistent with applicable Canadian laws and industry standards.
Scope of Communications
This policy applies to all communication channels, including:
Phone calls
Emails
SMS/text messages
Customer portal messaging
Written correspondence
Consent to Communication
By submitting your information through our website or engaging with our services, you consent to being contacted by Think Money Finance for purposes including responding to inquiries, providing service-related updates, and account-related communications.
Where required, communications will comply with Canada’s Anti-Spam Legislation (CASL), including clear identification of the sender and the purpose of the communication. While we may not include automated unsubscribe links in all communications, users may withdraw consent to receive non-essential communications at any time by contacting our team directly.
For SMS communications, users may opt out at any time by replying “STOP” to any message. To resume receiving SMS communications, users may reply “START.”
Communication Hours
To ensure respectful and appropriate contact practices, Think Money Finance will only initiate communications within the following hours:
Monday to Friday: 9:00 AM – 5:00 PM (local time of the customer where reasonably known)
No contact will be made:
On weekends (Saturday and Sunday)
On statutory holidays
We may respond to inbound communications outside these hours where appropriate, but we do not initiate contact during restricted times.
Frequency and Nature of Contact
We are committed to maintaining reasonable and non-intrusive communication practices.
Communication frequency will be limited to what is necessary to fulfill the purpose of the contact
We will not engage in excessive, aggressive, or harassing communication
Multiple contact attempts will be spaced appropriately
Collections and Payment Communications
Where communication relates to outstanding balances or missed payments, Think Money Finance will communicate in a professional, respectful, and non-threatening manner at all times. We are committed to providing clear and accurate information regarding account status and will work with customers to explore reasonable payment solutions where appropriate.
To ensure communication remains reasonable and non-intrusive, Think Money Finance will limit outreach to a maximum of three (3) contact attempts per week in connection with collections activity, regardless of the communication channel used or the timing of those attempts within that period.
We do not use misleading, coercive, or intimidating language, nor do we misrepresent the status of an account or any potential legal consequences. All communications are conducted in accordance with applicable laws and are intended to support constructive resolution. Third-Party Contact Restrictions Think Money Finance respects the privacy of its customers and does not disclose account details to unauthorized third parties. We do not contact employers, family members, or other third parties regarding a customer’s account unless explicit consent has been provided or such contact is required or permitted by law. Any permitted third-party communication will be limited strictly to what is necessary.
Identification and Transparency
All communications issued by Think Money Finance will clearly identify the company and include accurate contact information. We will ensure that the purpose of the communication is clearly stated so that recipients understand why they are being contacted. Transparency is a core component of our communication practices.
Opt-Out and Communication Preferences
Users may opt out of non-essential communications at any time by contacting our team directly at customersupport@thinkmoneyfinance.ca or by phone at (855) 469-1148. Upon request, we will process opt-out requests within a reasonable timeframe.
For SMS communications, users may opt out by replying “STOP” to any message, which will immediately unsubscribe them from further text communications. Users may opt back in at any time by replying “JOIN.”
Please note that even if you opt out of non-essential communications, Think Money Finance may continue to send essential service-related communications, including account updates, payment reminders, and important notices related to your account.
Record Keeping and Monitoring
Think Money Finance may retain records of communications for purposes including quality assurance, staff training, and compliance with legal and regulatory requirements. All records are managed in accordance with our Privacy Policy and are handled with appropriate safeguards.
Compliance and Enforcement
Think Money Finance maintains internal policies and procedures to ensure all representatives adhere to applicable legal and regulatory requirements. We are committed to maintaining high standards of professionalism and ensuring that all individuals are treated fairly and respectfully in all communications.
Contact Information
If you have any questions, concerns, or complaints regarding our communication practices, you may contact Think Money Finance at customersupport@thinkmoneyfinance.ca or by phone at (855) 469-1148.