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Tangerine Loan Application Terms and Conditions effective June 22, 2019

In these Terms and Conditions, “we”, “our”, “us” and “Tangerine” mean Tangerine Bank and “you” and “your” mean the individual(s) who is making this Application, including all co-applicants.

When you submit this Application, you agree to the following:

1. Availability:

Tangerine Mortgage and Home Equity Line of Credit products and services are available to Canadian residents for residential properties located in Canada. Your Application is subject to the home meeting Tangerine’s property requirements, verification of required equity and other information provided, maximum permitted loan amounts and the applicant(s)’ meeting Tangerine’s credit and lending criteria.

2. Fees:

Applicants are responsible for all costs incurred to arrange the Mortgage and/or Home Equity Line of Credit, including any legal, survey, appraisal and insurance costs.

3. Information provided to Tangerine:

You affirm that the information that you give in this Application is true and complete and that you have not withheld any information. We may cancel or reject your Application or any Mortgage and/or Home Equity Line of Credit you obtain with us if any of this information is incorrect.

4. Collection, Use and Disclosure of Information:

Any of your personal information that we collect, use and disclose to third parties is governed by the Tangerine Privacy Code. If you have a Mortgage Account with us, we may share information about you, including credit information and the amount of your Mortgage, to mortgage insurers for the purposes of offering and administering mortgage insurance, or to a creditor where you are in default of an obligation to that creditor.

5. Co-applicants:

If there are co-applicants to the Application, you represent and warrant to Tangerine that you have obtained the express consent of each co-applicant to the collection, use and disclosure by you, and the collection and use by Tangerine, of the co-applicant’s email address and any personal information in connection with this Application and you understand that Tangerine will send a link to this application to your co-applicant for completion. Your co-applicant’s email address will only be used to communicate with them about this application unless they separately consent to receive additional email communications or you initiate other email messages such as OrangeKey referrals or Email Money Transfers. You understand that Tangerine will not process this Application until all co-applicants have completed and submitted this Application.

6. Timing of Disclosure:

Cost of Borrowing disclosure for a credit agreement secured by real property must be provided to you two clear business days before entering into the Loan Agreement unless you waive this requirement. If your Cost of Borrowing disclosure wasn’t provided to you earlier, you consent to receiving the required Cost of Borrowing disclosure at the time you enter into a Collateral Mortgage Agreement and/or Home Equity Line of Credit Agreement with us.

7. Language:

You have expressly requested that this Agreement and any related documents, including notices, be drawn up in English only. Vous avez expressément exigé que cette Entente et tout document, y compris tout avis, qui s’y rattache, soient rédigés en anglais seulement.

Other Questions? If you have any questions about the Application or these Terms and Conditions, you can call us Monday to Saturday, 8:00 am to 10:00 pm ET at 1-800-568-2190.