Privacy policy
What we collect, who receives it and the choices you have. Last updated November 8, 2026.
Who we are
Extra Money (extramoney.ca) helps Canadians find installment loans by sending their applications to lenders in the Achilles Finance network. Extra Money is not a lender and doesn’t make lending decisions. This policy explains how we handle personal information on this website.
What we collect
When you apply
The application asks for what lenders need to review your request, such as your name, contact details, address, date of birth, employment and income, and the amount you want to borrow.
When a lender verifies your bank account
Lenders verify your bank account online through a third party called Flinks. The lender then gets a read-only view of your recent transactions. Nobody gets your banking password or the ability to move money.
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
Cloudflare hosts our website and receives technical information such as your IP address and browser type, to deliver pages and protect the site from abuse. Our pages load fonts from Google Fonts, so Google also receives your IP address. 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. We don’t use analytics or advertising cookies.
Who processes and receives your information
- Intelligent Leads provides our loan application form and the live chat. What you enter in them goes directly to its platform (app.intelligentlds.online).
- Lenders in the network receive your application so they can decide whether to offer you a loan. A lender that contacts you handles your information under its own privacy policy, including any documents it asks you for.
- Flinks carries out the bank verification for the lender reviewing your application.
- Cloudflare hosts the website, provides our visit statistics and runs the Turnstile check on the chat.
- Google Fonts serves the fonts on our pages.
Some of these providers store or process information outside your province or outside Canada, where local authorities may be able to access it under local law.
We don’t sell your personal information.
How we use it
- To send your application to lenders in the network
- To answer your chat messages
- To count visits and keep the site fast
- To protect the website and prevent fraud and spam
- To meet our legal obligations
Your consent
By submitting an application, you agree to your information being collected through Intelligent Leads and shared with lenders in the network for the purposes above. You can withdraw your consent at any time by contacting us, though we may then be unable to process your application. Withdrawing consent doesn’t remove information a lender already holds; contact that lender directly.
How long we keep it
We keep personal information only as long as we need it for the purposes above or as the law requires, then delete or anonymize it. Chat conversations are deleted 24 months after they close at the latest.
How we protect it
The website and the application form use encrypted HTTPS connections only. Access to personal information is limited to the people and providers who need it for the purposes above.
Your rights
You can ask what personal information we hold about you, ask us to correct it, or ask us to delete it where the law allows. Send the request through the Achilles Finance contact form and start your message with “Privacy request”. We 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.