FAQs Page
- Home
- FAQs
Frequently Asked Questions
SMARTI&E will give you an overview of your unique affordability position in less then 3 minutes to do one or many things.
Everyone is different and our lives, no matter how well we plan them, can change in an instant which impacts our affordability position and financial resilience.
- Its free to use.
- Is yours to own and help you manage your finance position.
- Its not owned by a bank or lender or bureau, its owned by you, its yours to do with as you please.
- It helps you understand what you are spending on and small changes that can save you a lot of money.
- It can help you see if any entitled to any benefits that can be added to your income.
- It can help you plan for a change in your life and let you look towards the future with a plan.
- It is not designed for people struggling with debt, its for anyone or any age who wants to make a change and feel in control
- You can tell your friends or family about SMARTI&E (or pass this on anonymously), join our community and partners who have everyone’s wellbeing at heart.
Instantly join, using our simple online sign-up process and be ready to receive your customer’s assessments or send invitations to customers.
SmartI&E is free to use as a consumer. Creditors, banks, insolvency trusties pay a small fee to download your report, should you share it with them.
There are always alternatives to insolvency and it will depend on your specific circumstances:
- Payment plans or settlement with creditors
- Transferring debt to lower interest rates or a consolidation loan
- Credit counselling and a debt management plan
- Consumer proposal
For Creditors & Businesses
Each I&E downloaded has a small cost and dependent on the level of the SMARTI&E and any specific annual agreement you may have.
Pay as you go - You can buy credits in advance using credit or debit card HERE
Each Assessment includes a verified assessment for an individual and includes a summary and breakdown of their SMARTI&E.
There are 3 standards of SMARTI&E based on whether they used open banking or uploaded documents (pay slips, bank statements) to verify their affordability or simply uploaded a self-declared assessment with no supporting documentation.
If an assessment for a consumer is older then 30 days the consumer can be nudged to update their SMARTI&E to ensure the data you are receiving is up to date.
This is entirely up to you and what works best for your business.
Many of our clients choose to include a summary of our services and a link to our consumer log in page as part of your email, SMS or letter campaigns or displayed on your website.
Agents can advise consumers on a call or via online chat and send a link from their desktop too.
However, if required we would be happy to contact your customers on your behalf to introduce ourselves and the services that we offer.
Users only see information to which they have access. That means, different users can only view, download, publish and/or print to where you grant access.
All personal data is stored encrypted and is hosted in secure compliant data centres in Canada. Independent security and penetration testing audits to ensure that personal information is always secure.
You can set your own password. Our default security policies enforce a secure password. You can also set login parameters such as length and complexity of passwords, and you can also determine how frequently your users need to reset their password.
You own and control the data shared with you by the consumers using the Consumer Portal. Any data recorded by your agents using the Creditor Portal/ CRM system also belongs to you.
We proactively monitor our systems for any vulnerabilities and unauthorised access attempts, thereby ensuring that your data is never at risk.
We will work with you to deliver data in the method you require which can include:
- View online via your secure portal access
- Receive the information into your system via API
- Receiving the information into your SFTP
- Receiving a secure email with the information
You can send a link to a consumer from your desktop portal
You can send a link in an email, sms, letter (QR code) or one that is advertised on your website.
