BoomPay terms of service.

Who these terms apply to

These terms apply to people and businesses that use BoomPay websites, forms, payment services, paperwork review, account servicing, collection support, lien support, or related tools. They may apply to customers, repair shops, vehicle or equipment owners, guarantors, authorized contacts, and account users.

A separate signed agreement, payment plan, repair order, assignment, shop agreement, or disclosure may also apply. If there is a direct conflict, the signed document for that service or account usually controls for that issue.

A responsibility-first approach

Some service terms focus mainly on shifting risk or capping liability. BoomPay takes a broader view. The goal is a working relationship where each party knows what they must do, keeps useful records, raises problems early, and helps resolve account issues before they grow.

These terms still protect legal rights. They also set practical duties. BoomPay, shops, and customers each have a role in clear paperwork, accurate account records, lawful collection steps, and fair treatment when a payment plan is active or in default.

Our responsibilities

BoomPay is responsible for running its services with care. We will work to:

• explain payment terms before a customer agrees to them;
• handle personal information under our privacy policy and applicable law;
• keep practical controls for records, access, vendors, and account activity;
• support shops with paperwork review, payment servicing, and account records;
• communicate about missed payments, disputes, and recovery steps in a lawful way; and
• correct known errors when we are responsible for them.

Customer responsibilities

Customers and account holders must give complete and accurate information. This may include identity, contact, licence, vehicle, plate, VIN, residence, workplace, insurance, ownership, payment, and lien-related information.

Customers must review the payment terms before agreeing, make payments when due, keep contact and payment details current, respond to reasonable requests, and tell us quickly about disputes, errors, vehicle status changes, address changes, job changes, insurance changes, loss, theft, damage, sale, transfer, seizure, or storage issues.

Shop responsibilities

Repair shops remain responsible for their own repair work, customer communications, authorizations, invoices, storage records, release decisions, lien steps, tax records, and legal compliance. BoomPay may help review paperwork, but the shop must keep accurate records and must not submit false, incomplete, inflated, or misleading information.

A shop must tell BoomPay about customer disputes, cancelled work, returned vehicles, insurance issues, ownership concerns, repair defects, invoice changes, release requests, and any fact that could affect payment, lien rights, collection, or recovery.

Consent to collect and use information

By applying for or using BoomPay services, a person agrees that BoomPay may collect, verify, use, and share information needed to decide, set up, service, collect, and enforce the account. This can include sensitive information where the law allows and where the information is needed for the service.

This may include biometric or image-based information, licence information, plate numbers, VINs, ownership records, lien records, workplace information, residence information, references, association information, payment records, account notes, and other information needed for skip tracing, collection, lien enforcement, bailiff retrieval, seizure, storage, sale, or legal steps where lawful.

Payment terms and default

Payment terms are set out in the account documents. A customer is in default if they miss a payment, reverse a payment without a valid basis, provide false information, fail to keep required insurance or contact details current, hide or transfer collateral where restricted, refuse reasonable account requests, or break another material term.

If default occurs, BoomPay may contact the customer, ask for updated information, try to resolve the account, charge amounts allowed by the account documents and law, suspend services, assign or sell account rights, use collection partners, report to parties with a lawful need to know, and take lien, recovery, court, or bailiff steps where legally available.

Lien, collection, and recovery steps

BoomPay may support lien-related processes for repair, storage, payment, assignment, servicing, or recovery. Available rights depend on the facts, the documents, the type of property, and applicable Canadian and Ontario law.

Where legally available, recovery steps may include notices, collection contact, registry searches or filings, skip tracing, storage arrangements, licensed bailiff instructions, seizure or retrieval of liened assets, sale or disposition steps, court claims, insurance claims, and other lawful remedies. We will not treat these remedies as automatic. The facts and the law must support them.

Disputes and corrections

A customer or shop should tell BoomPay quickly if they believe an account record, invoice, payment, authorization, identity detail, vehicle detail, or lien detail is wrong. We may ask for documents. We may pause some steps while we review a credible dispute, but payment duties may continue unless the account documents or law say otherwise.

Responsible use of the service

A person must not misuse BoomPay systems, submit another person's information without authority, interfere with security, scrape systems, impersonate others, hide collateral, tamper with records, or use BoomPay for fraud, harassment, unlawful collection, or unlawful disclosure of a debt.

Service limits

BoomPay may change, pause, refuse, or end access to a service when needed for compliance, security, fraud prevention, non-payment, operational reasons, or legal reasons. We will try to give practical notice where it is reasonable to do so.

BoomPay is not a substitute for legal advice. Shops and customers should get advice from qualified professionals when they need it, especially for lien rights, consumer credit, debt collection, repossession, privacy, and court steps.

Governing law and contact

These terms are intended to operate under the laws that apply in Ontario and Canada, unless another written agreement says otherwise. If a term cannot be enforced as written, the rest of the terms continue as far as the law allows.

Questions can be sent to info@boompay.ca or to BoomPay, 2222 Norfolk Street South, Simcoe, ON  N3Y 4K2.