Equifax Complete^TM Advantage

The credit score provided under the offers described herein is the Equifax Credit Score, which is a proprietary credit model developed by Equifax Canada and provided to you as a part of the product(s) offered by Equifax Consumer Services LLC (“ECS”), a U.S. company. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties may use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit report, such as your income. You can also receive your Equifax Credit Score, for a fee, directly from Equifax Canada in person at one of our consumer centres or by mail.

We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Under certain circumstances, access to your Equifax credit report may not be available. If a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made. The Equifax Canada credit report provided under the offers described herein does not include the payment profile tables which are contained within your free Equifax Canada consumer credit report. A payment profile table lists your historical monthly payments and balances for a particular account, spanning a period of up to 25 months. Keep in mind that lenders and other third parties may take into consideration information derived from payment profile tables when evaluating your creditworthiness. To access your free Equifax Canada consumer credit report, disclosure, please visit www.equifax.ca and click on Get my free credit report.

Identity theft insurance is underwritten by American Bankers Insurance Company of Florida or its affiliates. For residents of Quebec, this feature is not available for new product purchases. However, if you are a resident of Quebec and are redeeming a code, this feature will be included in your Product. The description herein is a summary and intended for information purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage.