Sunny Credit · sunnycredit.ca · hello@sunnycredit.ca
Sunny Credit ("Sunny Credit," "we," "us," or "our") is a financial education membership platform available at sunnycredit.ca. Sunny Credit is not a lender, financial institution, credit bureau, or credit repair organization of any kind.
Questions about this policy? Contact us at hello@sunnycredit.ca
We do not sell your personal information to any third party.
We do not use your information for automated credit decisions, credit scoring, or any lending-related purpose.
We collect and process your personal information in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). By enrolling in a Sunny Credit membership, you provide express consent to the collection, use, and disclosure of your personal information as described in this policy.
You may withdraw consent at any time by contacting hello@sunnycredit.ca, subject to legal or contractual obligations that may prevent immediate deletion of certain records.
By completing enrollment, you expressly authorize Sunny Credit to initiate an Instant Bank Verification (IBV) on your bank account through our approved providers Inverite and/or Flinx. This authorization permits read-only access to your bank account data for the purposes of identity verification, income verification, and confirmation of your bank account details for payment processing and e-Transfer delivery.
Your banking credentials are never stored by Sunny Credit. The IBV process does not permit Sunny Credit to move, withdraw, or transfer funds from your account.
| Provider | Purpose |
|---|---|
| Zumrails | Payment processing & pre-authorized debit |
| Inverite / Flinx | Instant Bank Verification (IBV) |
| Interac | Welcome cashback e-Transfer delivery |
| SendGrid | Email communications |
| Heymarket | SMS communications |
We do not sell member data to any third party. All providers are bound by confidentiality obligations.
We retain your personal information for as long as your membership is active and for a minimum of seven (7) years following the end of your membership to comply with applicable Canadian tax and financial record-keeping requirements, or as otherwise required by law.
Contact hello@sunnycredit.ca to exercise any of these rights. We respond within 30 calendar days.
We implement reasonable technical and organizational measures to protect your personal information. Payment processing is handled by Zumrails using bank-grade encryption. If you become aware of any security concern related to your account, contact hello@sunnycredit.ca immediately.
We may update this Privacy Policy from time to time. Material changes will be communicated to active members by email. Continued use of Sunny Credit following any update constitutes acceptance of the revised policy.
These Terms and Conditions ("Agreement") govern the membership relationship between Sunny Credit ("Company," "we," "us," or "our"), operated at sunnycredit.ca, and the individual completing enrollment ("Member," "you," or "your").
By completing enrollment — including identity verification, Instant Bank Verification, and submission of your membership application — you confirm that you are at least 18 years of age and legally capable of entering into a binding contract; are a resident of Canada, excluding the Province of Quebec; have read, understood, and agree to be bound by this Agreement; and consent to receive communications from Sunny Credit by email and SMS.
Sunny Credit provides financial literacy education content through a paid membership program. Upon enrollment, Members gain access to educational courses, tools, worksheets, and resources through the member portal.
Sunny Credit is not a licensed financial adviser, mortgage broker, credit counsellor, investment adviser, or regulated financial institution under any applicable Canadian law. The welcome bonus is a promotional cashback benefit offered as an incentive for enrollment. It is not a loan, cash advance, line of credit, or financial product of any kind.
Sunny Credit reserves the right to deny membership to any applicant at its sole discretion. Submission of an application does not guarantee approval or entitlement to a welcome bonus. All information provided must be accurate, truthful, and complete.
| Plan | Payments | Welcome Bonus |
|---|---|---|
| Bronze | 8 × $145 | $250 |
| Silver | 9 × $160 | $350 |
| Gold | 10 × $175 | $500 |
| Platinum | 11 × $190 | $600 |
| Diamond | 12 × $205 | $800 |
| Elite | 13 × $220 | $1,000 |
All plans include access to the same educational courses and member portal. Payments are collected bi-weekly by pre-authorized debit through Zumrails.
If a scheduled installment fails to process due to insufficient funds or a closed account, a Failed Payment Administration Fee of $60.00 CAD will be applied per unsuccessful attempt.
A Member may request to defer a scheduled installment by contacting hello@sunnycredit.ca prior to the payment date. An Installment Deferral Fee of $40.00 CAD applies per deferral request, subject to approval.
All membership payments are final and non-refundable.
The welcome bonus is disbursed as a single lump-sum Interac e-Transfer to the verified bank account, typically within hours of enrollment approval. The welcome bonus is expressly conditional upon the Member fulfilling all payment obligations under their selected plan.
In the event of cancellation, non-payment, or breach: Recovery Option A — the Member returns the full welcome bonus amount within 10 business days of written notice. Recovery Option B — the Member fulfils all remaining unpaid subscription installments.
Members may request cancellation at any time by contacting hello@sunnycredit.ca. Cancellation does not relieve the Member of their payment obligations. The Member remains liable for the full outstanding balance of all remaining scheduled payments, or must return the welcome bonus per Section 5.
Sunny Credit maintains an internal Account Resolution process for the recovery of outstanding balances and unreturned welcome bonuses. This process is conducted entirely in-house. Sunny Credit does not engage third-party collection agencies.
Sunny Credit provides educational content for general informational purposes only. Sunny Credit shall not be liable for any direct, indirect, incidental, or consequential damages arising from the Member's use of or reliance on any educational content, tools, or materials.
Step 1 — Direct Resolution: Submit a written dispute notice to hello@sunnycredit.ca. We will acknowledge within 5 business days and respond substantively within 15 business days.
Step 2 — Mediation: If unresolved within 30 days, both parties agree to non-binding mediation before a mutually agreed mediator. Costs are shared equally.
This Agreement is governed by the laws of Canada and the applicable provincial laws of the Member's province of residence (excluding Quebec). Disputes shall be resolved in courts of competent jurisdiction in Canada.
By completing enrollment, the Member individually acknowledges:
These Terms of Service ("TOS") govern your use of the Sunny Credit website (sunnycredit.ca) and all associated digital services and communications. By accessing or using our services, you agree to these Terms of Service together with our Terms & Conditions and Privacy Policy.
To access Sunny Credit services, you must create an account by providing accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials, all activity that occurs under your account, notifying Sunny Credit immediately of any unauthorized access at hello@sunnycredit.ca, and keeping your contact and payment information current.
You agree to use Sunny Credit services only for lawful purposes. You must not access or attempt to access any other member's account; reverse engineer, decompile, or extract source code from any part of our platform; use automated tools, bots, or scrapers; introduce malware, viruses, or harmful code; misrepresent your identity; reproduce or redistribute content without express written authorization; or use services if you are a resident of Quebec.
All content, branding, logos, course materials, tools, designs, and technology on Sunny Credit platforms are the intellectual property of Sunny Credit, protected under Canadian copyright, trademark, and applicable law. You are granted a limited, non-exclusive, non-transferable, revocable licence to access portal content solely for your personal, non-commercial use during your active membership term.
| Provider | Purpose |
|---|---|
| Zumrails | Payment processing & banking verification |
| Inverite / Flinx | Instant Bank Verification (IBV) |
| Interac | Welcome cashback e-Transfer delivery |
| SendGrid | Email delivery |
| Heymarket | SMS communications |
These services operate under their own terms and privacy policies.
Initiating an unauthorized chargeback or payment reversal after receiving your welcome bonus and portal access constitutes a material breach. Sunny Credit reserves the right to immediately suspend or terminate portal access, pursue recovery of the full outstanding balance plus the value of the welcome bonus received, and initiate Account Resolution and all available legal remedies.
You agree to indemnify, defend, and hold harmless Sunny Credit and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses arising out of your use of services, breach of these Terms, or violation of any applicable law.
These Terms of Service are governed by the laws of Canada and the applicable provincial laws of your province of residence (excluding Quebec). If any provision is found unenforceable, it shall be modified to the minimum extent necessary and remaining provisions remain in full force.
Sunny Credit · Email: hello@sunnycredit.ca · sunnycredit.ca