Privacy policy
What we collect, who we share it with, and the choices you have.
Last updated: November 12, 2026
Who we are
Urgent Loans (urgentloans.ca) helps Canadians find installment loans by matching their applications with lenders in our network. Urgent Loans is run by Achilles Finance, a Montreal company that connects Canadian borrowers with a network of lenders. Urgent Loans is not a lender and does not make lending decisions. This policy explains how we handle personal information on this website.
What we collect
When you apply
The application asks for information lenders need to review your request, such as your name, contact details, address, date of birth, employment and income, and the loan amount you want.
When you verify your bank
Lenders may ask you to complete Instant Banking Verification (IBV). It gives them a read-only copy of your recent bank transactions. It doesn't give anyone your banking password or the ability to move money.
When you contact us
If you use our contact form, we receive what you share with us: for example your name, email, phone number and your message. Messages sent through the contact form are stored in a database with our hosting provider so we can answer them.
Live chat
You can send us a question through the chat window on our website. Intelligent Leads provides the chat, which runs on app.intelligentlds.online.
When you start a chat, we collect your first name, your email address if you give it, and the messages you write. We also record when each message was sent, which of our websites you were on, and your IP address. We use the IP address to block spam and abuse. Cloudflare Turnstile checks that the chat is being started by a person.
Your browser stores a random code in its local storage so you can return to the same conversation. We don't use it to follow you on other websites. You can delete it by clearing this site's data in your browser.
Our team reads and answers your messages. If you have applied for a loan, we may link the conversation to your application so we can help you with it.
We keep a conversation for up to 24 months after it closes, then delete it.
Don't share your social insurance number, banking details or passwords in the chat.
When you browse
Our hosting provider receives technical information such as your IP address and browser type to deliver pages and protect the site from abuse.
We use Cloudflare Web Analytics to count visits and see how fast pages load. It doesn't use cookies and doesn't follow you across other websites.
With your permission, we also use Google Analytics to see how people use the site, such as which pages they visit and whether they finish an application. A banner asks for your choice on your first visit. Google Analytics runs only if you accept. It then sets cookies in your browser to recognize repeat visits, and Google receives information about your visit, such as the pages you view, your browser and device type, and your approximate location. You can change your choice at any time with the Cookie settings link at the bottom of every page.
Who processes and receives your information
- Our loan application form is provided by intelligentlds (app.intelligentlds.online), the application platform we use to collect applications and match them with lenders. Information you enter in the application goes directly to this platform.
- Intelligent Leads also provides the live chat on our website, described above.
- Partner lenders in our network receive your application so they can decide whether to offer you a loan. A lender that responds becomes responsible for its own handling of your information under its privacy policy, including any reporting to credit bureaus such as Equifax.
- A third-party verification service carries out IBV on behalf of the lender reviewing your application.
- Our website is hosted by Cloudflare, which also provides our visit statistics. Cloudflare Turnstile checks that the chat is being started by a person.
- Google provides Google Analytics, which we use only if you accept analytics cookies.
Some of these providers may store or process information outside your province or outside Canada, where it may be accessible to authorities under local law.
We don't sell your personal information.
How we use it
- To match your application with lenders and send it to them
- To answer your questions and support requests
- To count visits and keep the site fast
- To protect the website and prevent fraud and spam
- To meet our legal obligations
Your consent and choices
By submitting an application, you consent to your information being collected through intelligentlds and shared with partner lenders for the purposes above. You can withdraw consent at any time by contacting us, though we may then be unable to process your application. Withdrawing consent doesn't undo information a lender already holds; contact that lender directly.
Analytics cookies are optional. Refusing them doesn't affect your application or the rest of the site.
You can block or delete cookies in your browser settings.
How long we keep it
We keep personal information only as long as needed for the purposes above, or as long as the law requires, and then delete or anonymize it.
Google Analytics keeps visit data for 14 months.
How we protect it
The website and application form are served only over encrypted HTTPS connections. Access to personal information is limited to people and providers who need it for the purposes above.
Your rights
You can ask us what personal information we hold about you, ask us to correct it, or ask us to delete it where the law allows. Use our contact form and choose "Privacy request" as the topic. We'll reply within 30 days.
If you're not satisfied with our answer, you can contact the Office of the Privacy Commissioner of Canada at priv.gc.ca, or your provincial privacy commissioner.
Changes to this policy
We may update this policy. The date at the top shows when it last changed.
Contact
Urgent Loans. Send us a message through our contact form.