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The amount of the financing, made in accordance with the provisions of this Agreement, is repayable with interest compounded monthly at an annual rate of SIX PERCENT (6%), in addition to a $50 file opening fee, in accordance with the following terms and conditions :

  • a first payment must be made when the Borrower returns the "authorization" form to the Lender;
  •  the table below details all payments to be made by the Borrower to the Lender:
















The Borrower shall provide the Lender with details of the method of payment to be used for each payment. The Borrower shall also provide a second method of payment in the event that the first method does not work. The Borrower must provide the Lender with one of the following pieces of information so that payments can be taken automatically by the Lender on the dates indicated in the table above:

  • credit card number, expiry date and verification code (see Appendix A);
  • corresponding post-dated cheques payable to Groupe Inventarium; or
  • a pre-authorized debit agreement (see "PAD" form in Appendix B).

 The Borrower may prepay the Loan Amount or any outstanding balance thereof, in whole or in part, at any time, without penalty.

Any amount so paid by way of prepayment shall be applied first to accrued and unpaid interest, if any, and then to principal.

Any amount due under the terms of the Agreement shall be paid without notice or demand to the Lender at the address indicated at the beginning of this Agreement, or at such other place as the Lender may indicate in writing to the Borrower.

A propos

A leader in invention protection in Quebec since 2001, Inventarium was founded by Daniel Paquette, inventor of the school bus remote arm and holder of several other successful inventions, to enable inventors in Quebec and across Canada to protect and patent their invention ideas at a fraction of the cost of patent agencies.


Nous rejoindre

Leader en protection d'inventions au Québec depuis 2001, Inventarium a été fondée par Daniel Paquette