Terms and Conditions
Please read these terms and conditions of use carefully before using this web site.
Your use of www.aai.edu depends on your acceptance, without modification, of the following terms and conditions (the
"Terms and Conditions"). By using www.aai.edu you accept these Terms and Conditions.
Modifications of the Terms and Conditions
www.aai.edu may, in its sole discretion and for any reason, modify, supplement or amend these Terms and Conditions
without any notice or liability to you or any other person, by posting revised Terms and Conditions on the
www.aai.edu web site. Your continued use of the www.aai.edu website signifies your acceptance of such revised Terms
and Conditions. View the website to review the most recent version of the Terms and Conditions.
How We Work
When you submit an application to www.aai.edu (the "Application") we work together with service providers to process
your Application. We do not arrange for or facilitate credit. We will release some or all of the information in your
Application to these service providers in order to locate an appropriate credit provider for you.
Authorization
By submitting an Application to www.aai.edu, you certify that all information which you provide in the Application
is true and complete and you authorize www.aai.edu or our agents or affiliates to:
obtain any and all credit information concerning your Application from any sources which www.aai.edu deems
appropriate;
obtain consumer credit reports from one or more credit reporting agencies in connection with the administration of
your Application;
communicate with you in-person, by telephone, mail, email, text or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify
for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit
is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or
more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of
whom may conduct independent searches using the information disclosed in your Application for the purpose of
processing and facilitating your Application.
You can withdraw your consent to being contacted by www.aai.edu at any time by contacting AAI through
https://www.aai.edu/contact/ or by using the unsubscribe option on any of our electronic messages.
Links
www.aai.edu does not warrant the authenticity or reliability of the websites linked to the www.aai.edu website and
is not responsible for the contents of any linked website. The inclusion of a link on the www.aai.edu website does
not constitute endorsement of the linked website by www.aai.edu. Use of any such linked website is at the user's own
risk.
Minors
This website is not intended for use by minors. If you are under the age of majority in your jurisdiction, you may
only use the www.aai.edu website, or any services provided in conjunction with the website, under the supervision of
an adult. www.aai.edu does not knowingly collect personal information from minors. Use of this website is void where
prohibited by applicable law.
Restricted Access
In its sole discretion, in addition to any other rights or remedies available to www.aai.edu, and without any
liability whatsoever, www.aai.edu may at any time, without notice to you, terminate or restrict your access to any
component of www.aai.edu.
Governing Law
This use of the www.aai.edu website and any claims against www.aai.edu shall be governed by the laws of the Province
of Ontario. You consent and submit to the exclusive jurisdiction of the courts located in the City of Toronto, in
the Province of Ontario, Canada, in respect of all disputes arising out of or relating to the use of www.aai.edu
website and these Terms and Conditions.
Privacy Policy
Your privacy is very important to us. The following is our privacy policy which describes how we keep your personal
information safe ("Privacy Policy").
www.aai.edu is committed to protecting the privacy and security of your personal information obtained through your
Application and your customer relationship with www.aai.edu. Our Privacy Policy outlines the types of personal
information we collect, how it is used, and the steps we take to ensure your personal information is handled
appropriately. Our Privacy Policy applies to the personal information practices on the www.aai.edu website and
through any interactions with you.
Our Privacy Policy is designed to comply with the Personal Information Protection and Electronic Documents Act
(PIPEDA) and may be amended from time to time. A copy of the most current version of our Privacy Policy is available
on our website or by contacting us using the contact information provided on the www.aai.edu website.
Personal Information
Personal information is information about an identifiable individual which includes your name, address, age, income,
date of birth, gender, financial information and credit records, as well as your opinions, preferences and purchase
patterns.
Examples of personal information www.aai.edu may collect, use and disclose include your contact information, your
financial information and other information that you may provide to us through your Application or otherwise or that
we may obtain from third parties in conjunction with your use of the www.aai.edu website and services.
Collecting Personal Information
www.aai.edu will collect personal information by lawful and fair means and only with the knowledge and consent of
the person concerned. www.aai.edu will only collect personal information which is relevant to the purposes for which
it is to be used, to the extent necessary for those purposes, and will take reasonable steps to ensure the
information is accurate, complete, and up-to-date.
Using and Sharing Personal Information
www.aai.edu may use or share your personal information and Application to:
obtain any and all credit information concerning your Application from sources which www.aai.edu deems appropriate;
obtain consumer credit reports from one or more credit reporting agencies connection with the administration of your
Application;
communicate with you in-person, by telephone, mail, email, text or any social media platforms;
provide reports to you on the status of your Application, including information concerning whether you pre-qualify
for a loan or not, which lender's loan offer (if any) you choose to accept, or whether your Application for credit
is denied; and
sell or otherwise disclose information concerning your Application, including your personal information, to one or
more persons or organizations, affiliates, credit reporting agencies, or wholesale lead providers, any or all of
whom may conduct independent searches using the information disclosed in your Application for the purpose of
processing and facilitating your Application.
Protecting Your Personal Information
www.aai.edu protects your personal information by reasonable security safeguards against loss or theft, as well as
unauthorized access, disclosure, copying, use or modification and take all necessary security measures necessary to
ensure that personal information is handled and stored in a confidential and secure manner. We review our procedures
and security measures regularly to ensure that they are properly administered and remain effective and appropriate
for the sensitivity of the information.
Sharing Your Personal Information
When your personal information is transferred to or shared with a third party, www.aai.edu requires the third party
to protect the information in a manner that is consistent with this Privacy Policy. Third parties are required under
their contracts with www.aai.edu to maintain your confidentiality and may not use your information for any
unauthorized purpose. If www.aai.edu is required by law to provide information, reasonable steps will be taken to
verify the lawful authority for the collection and we disclose only the information that is legally required.
Retaining your Personal Information
Subject to any legal or accounting requirements, we will retain your personal information only as long as necessary
to fulfill the purposes for which it was collected. Personal information that is no longer required will be
destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.
Contacting You
By accepting the terms of this Privacy Policy, you consent to receiving in-person communications, mail, emails, text
messages, phone calls, or contact via social media platforms about additional products and services from us or any
of our agents or affiliates. If you choose to unsubscribe to our e-mail list, it will not be regarded as a
withdrawal of consent. Likewise withdrawing consent directly with the persons or organizations to whom your Personal
information has been sold and/or disclosed will not withdraw the consent that you are providing to us by accepting
this Privacy Policy.
Accessing your personal information stored by us
You have the right to access, update and correct inaccuracies in your personal information in our custody or
control. To access your personal information, a request must be submitted in writing to us at the address provided
in the "Contact us" section of this website. We will respond to your request for access or information in a
reasonable time. There may be times when we are unable to fulfill your request - for example, if providing access to
your personal information would reveal confidential commercial or proprietary information or personal information
about someone else (and we are unable to separate your data), or if we are prohibited by law from disclosing the
information. We may request certain personal information for the purposes of verifying the identity of the
individual seeking access to their personal information records.
Responding to Privacy Concerns or Complaints
www.aai.edu will respond in a reasonable time to your questions, concerns and complaints about the privacy of your
personal information and our privacy policies and procedures. We will investigate and respond to any concern you
have regarding the handling of your personal information.
www.aai.edu has designated a privacy officer ("Privacy Officer") who is responsible for our compliance with this
Privacy Policy, and for ensuring that information about our policies and practices relating to the management of
personal information is easily accessible. All questions or concerns regarding this Privacy Policy or our compliance
with it should be directed to the Privacy Officer in writing, and submitted through https://www.aai.edu/contact/.