Calculated on the net pre-tax eligible equipment price shown in the approved quote.
DioLaz Canada In-House Financing Policy
DioLaz Canada • Commercial Equipment Financing
In-House Financing Policy
A transparent, approval-based payment program for eligible Canadian clinics, medical aesthetic practices, and other approved business purchasers acquiring select DioLaz equipment for commercial use.
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Important — not a binding offer of credit.
This page provides a general description of DioLaz Canada Inc.'s in-house financing program.
Financing is not automatic and is not final until DioLaz has completed its review, issued written
approval, received the required initial payment, and all parties have signed every required transaction
document. A signed financing agreement, quotation, invoice, payment schedule, security document,
and any mandatory law will govern if they conflict with this page.
All applicable sales taxes on the full taxable sale are payable with the initial amount due.
Current standard APRs are 0.00%, 3.99%, and 6.99%, subject to approval and signed documents.
Approved customers may prepay all or part of the outstanding balance without a prepayment fee.
Québec applicants:
Where Québec law requires a French version of a contract of adhesion or any related document,
DioLaz will provide the French version first. A version in another language will be used only after
the French version has been provided and the applicant has expressly chosen the other language in
the manner required by applicable law. Read the
complete Québec French version.
Purpose and Scope
This In-House Financing Policy (the “Policy”) describes the general terms under which DioLaz Canada Inc. (“DioLaz,” “we,” “us,” or “our”) may offer in-house financing for approved purchases of select DioLaz products in Canada.
The program is a discretionary commercial credit accommodation. Nothing on this page requires DioLaz to approve an applicant, extend credit, reserve inventory, honour an expired quotation, or finance a particular transaction. Product availability, approved term, credit conditions, delivery timing, required security, and payment schedule are confirmed only in written transaction documents.
Business-Use Eligibility
Unless DioLaz expressly agrees otherwise in a separately reviewed written contract, this program is intended only for Canadian purchasers acquiring equipment primarily for commercial, clinical, professional, or other business use. It is not offered for personal, family, or household purposes.
Eligible applicants may include approved:
- corporations, partnerships, professional corporations, and registered businesses;
- medical clinics, medical spas, aesthetic practices, wellness clinics, and other professional facilities;
- sole proprietors purchasing equipment for documented business use; and
- other Canadian commercial purchasers approved by DioLaz in writing.
The applicant and every signing representative must have legal capacity and authority to enter into the transaction. DioLaz may require proof of identity, business registration, beneficial ownership, signing authority, operating address, delivery location, professional credentials, insurance, financial capacity, or other information reasonably required for its review.
Eligible Products and Exclusions
Only products specifically identified as eligible in an official DioLaz financing quotation may be financed. Eligibility may depend on model, inventory, promotional status, transaction structure, delivery location, and underwriting results.
Unless expressly included in the approved quotation, financing does not apply to:
- sales taxes, deposits, shipping surcharges, installation charges, or third-party fees;
- consumables, skincare products, replacement parts, accessories, or service packages;
- demo, used, clearance, trade-in, buyback, or specially discounted transactions;
- extended service plans or training beyond the standard scope; or
- any product or amount DioLaz designates as non-financeable in writing.
Discounts, Education Pricing, partner pricing, referral incentives, trade-in credits, promotional pricing, or other programs may be combined with in-house financing only when expressly confirmed in the official quote.
Application, Review, and Approval
The normal approval process is:
Provide the product, legal business name, delivery address, preferred term, and authorized contact.
Complete the application and provide identification, business, consent, and financial information requested.
DioLaz may approve, conditionally approve, request more information, or decline the application.
Sign all required documents and pay the full initial amount due before financing is activated.
DioLaz may consider the applicant's business history, financial condition, credit information, payment history, transaction size, requested term, guarantor support, delivery location, and other lawful risk factors. Approval criteria are confidential and may change. Approval of one transaction does not guarantee future approval.
A quotation is generally valid for thirty (30) days unless the quotation states a different period, is withdrawn earlier, or is replaced by a later written quotation. Pricing, taxes, inventory, rates, and approval conditions may be revised after expiry.
Price, Fixed Initial Payment, and Sales Taxes
The Net Pre-Tax Equipment Price is the eligible equipment price shown in the approved DioLaz quotation after any expressly approved equipment discount or credit, but before sales taxes and before any non-financed item.
Initial Amount Due Before Release
40% of the Net Pre-Tax Equipment Price
+ all applicable sales taxes on the full taxable sale
+ all non-financed items and charges
+ all applicable sales taxes on the full taxable sale
+ all non-financed items and charges
Financed Principal
60% of the Net Pre-Tax Equipment Price,
subject to the final approved quotation and financing agreement
5.1 Fixed 40% Initial Equipment Payment
The initial equipment payment is fixed at forty percent (40%) of the Net Pre-Tax Equipment Price. It is not reduced or increased on a case-by-case basis at closing. A customer who later wishes to reduce the balance may use the no-penalty prepayment option after the financing plan has been activated.
5.2 Sales Taxes
All applicable GST, HST, QST, PST, or other sales taxes on the full taxable transaction are payable upfront as part of the initial amount due and are not included in the financed principal unless DioLaz expressly states otherwise in signed transaction documents. The applicable tax treatment is determined using the place-of-supply, delivery, and other facts available at the time of sale and may be revised if those facts change.
5.3 Cleared Funds
The initial amount due must be received in cleared funds. A payment that is reversed, dishonoured, charged back, or otherwise unavailable does not satisfy the initial-payment requirement.
Financing Terms, APR, and Payment Calculation
The following are DioLaz's current standard program options for approved transactions:
| Term | Annual Percentage Rate (APR) | General Payment Structure | Approval Status |
|---|---|---|---|
| 3 months | 0.00% APR | Generally equal monthly principal payments | Subject to written approval |
| 6 months | 3.99% APR | Generally equal amortized monthly payments | Subject to written approval |
| 12 months | 6.99% APR | Generally equal amortized monthly payments | Subject to written approval |
APR means the annual percentage rate stated in the approved transaction documents. For interest-bearing plans, scheduled instalments are generally calculated using an equal-payment amortization method over the approved term. Principal and interest portions may differ from month to month. Amounts are rounded to the nearest cent, and the final instalment may be adjusted by a small amount to correct rounding.
The official financing agreement and payment schedule will disclose the financed principal, applicable APR, cost of borrowing or finance charge where required, amount and number of payments, payment dates, total scheduled payments, and any other disclosure required by applicable law.
Rates and program options may be changed prospectively for future quotations. A later website update does not change a fully signed financing agreement unless the parties agree in writing or applicable law requires the change.
Payment Methods and Authorization
Approved instalment payments may be made by:
- post-dated cheques delivered in accordance with the approved payment schedule; or
- recurring monthly credit card authorization using the form and card accepted by DioLaz.
DioLaz may require a replacement payment method if a cheque or card becomes invalid, expires, is cancelled, or repeatedly fails. Revoking a recurring-card authorization does not cancel the financing agreement or the customer's payment obligations; the customer must promptly arrange another payment method acceptable to DioLaz.
A failed, reversed, dishonoured, stopped, or charged-back payment is treated as unpaid. Any NSF, reversal, processing, or similar charge applies only if it is expressly disclosed in the signed agreement and permitted by applicable law.
Prepayment Without Penalty
The customer may prepay all or part of the outstanding financed balance at any time without a prepayment fee or penalty. A full payoff amount will generally consist of the outstanding principal, accrued but unpaid interest to the payoff date, and any lawful unpaid amount already due under the signed agreement.
Unless DioLaz issues a revised payment schedule in writing, a partial prepayment does not automatically postpone the next payment, reduce the scheduled monthly instalment, or change future due dates. The partial prepayment will be applied as stated in the financing agreement or written payoff instructions.
Late Payments and Default
If a scheduled instalment is not paid when due, and where permitted by law and stated in the signed financing agreement, DioLaz may apply a late charge of 2.00% per month on the overdue instalment only, calculated on a simple, non-compounding basis. This is equivalent to 24.00% per annum. The late charge will never exceed the maximum amount permitted by applicable law.
A late charge does not apply to instalments that have not yet become due. DioLaz's acceptance of a late or partial payment, or any one-time waiver, does not waive future payment obligations or other rights under the signed documents.
A missed payment, invalid payment authorization, material misrepresentation, unauthorized sale or transfer of secured equipment, insolvency event, or other event identified in the signed agreement may constitute a default. Any cure period, acceleration, suspension, enforcement, repossession, or other remedy will be exercised only as provided in the signed documents and applicable law.
Security Interests, Guarantees, and Equipment Protection
As a condition of approval, DioLaz may require one or more of the following: a security agreement, personal or corporate guarantee, proof of insurance, title-retention or similar credit support where lawful, or registration/publication of a security interest in the applicable personal property or movable-rights registry.
Where security is required, the customer must sign the required documents and authorize DioLaz to make, amend, renew, discharge, or otherwise maintain lawful registrations relating to the financed equipment. Québec transactions may require Québec-specific security documents and registry procedures.
Until all secured obligations are fully paid, the customer must not sell, lease, transfer, abandon, materially relocate, pledge, encumber, or permit another security interest in the financed equipment without DioLaz's prior written consent, except to the extent the signed agreement or applicable law provides otherwise. The customer remains responsible for proper care, lawful operation, maintenance, insurance, and protection of the equipment after delivery.
Delivery, Installation, and Acceptance
DioLaz is not required to release, ship, deliver, or install equipment until it has received and verified:
- the complete initial amount due in cleared funds;
- all signed financing, payment, privacy/credit, guarantee, and security documents required for approval;
- a valid instalment payment method and authorization;
- any required registration, insurance, site-readiness, or delivery information; and
- any other condition stated in the quotation or financing approval.
Delivery, installation, and training timing is governed by the written quotation, scheduling confirmation, product availability, carrier conditions, and DioLaz's applicable policies. The customer may be required to sign a delivery, serial-number, installation, and acceptance certificate. The customer must promptly report shipping damage, shortages, or technical concerns through the applicable support process.
Refunds, Warranty, Training, Shipping, and Support
Financing changes the timing of payment only. It does not create a cancellation, return, exchange, refund, warranty, training, shipping, or service right that would not otherwise exist under the applicable written policy, quotation, invoice, or mandatory law.
Medical and aesthetic devices remain subject to DioLaz's Refund Policy, including its rules for non-refundable and non-exchangeable equipment and the handling of eligible quality or performance concerns through support, repair, or replacement. A warranty, repair, replacement, training, shipping, or support request does not automatically suspend scheduled financing payments, except where DioLaz agrees in writing or applicable law requires otherwise.
Privacy, Credit Review, and Communications
DioLaz may collect, use, verify, disclose, and retain personal and business information for purposes reasonably connected with evaluating a financing request, confirming identity and signing authority, preventing fraud, preparing quotations and agreements, assessing credit risk, processing payments, servicing the account, maintaining security registrations, resolving disputes, enforcing agreements, and complying with law.
Depending on the application and only with the consent or other lawful authority required, DioLaz may obtain or exchange information with credit bureaus, financial institutions, business registries, trade references, payment processors, fraud-prevention providers, insurers, professional advisers, legal counsel, registry service providers, and licensed collection providers.
Submitting a general inquiry does not by itself authorize a credit bureau inquiry. Where a credit check or other separate authorization is required, DioLaz will request the applicant's consent through the applicable financing application or consent form. Personal information will be handled in accordance with DioLaz's Privacy Policy and applicable Canadian privacy law.
Transactional and account-servicing communications may be sent by email, telephone, or SMS using the contact information provided. Marketing communications are handled separately and remain subject to applicable consent and unsubscribe requirements.
Québec French-Language Requirements ↗
For a transaction governed by Québec language law, DioLaz will provide the French version of any contract of adhesion and related documents first where required. The applicant may be bound by a version in another language only after the French version has been provided and the applicant has expressly chosen the other language in accordance with applicable law.
Related documents may include the quotation, financing agreement, payment schedule, payment authorization, guarantee, security documentation, notices, acknowledgements, and other ancillary transaction documents where required by law. Québec-specific privacy, consumer-credit, security, registration, and disclosure requirements may also apply.
Viewing this public English webpage does not, by itself, constitute an applicant's express choice to receive or sign English transaction documents. Where a French transaction document is legally required or designated as controlling, that French document will govern to the extent required by law.
Complete Québec French Version
Consulter la version française (Québec)
Open the full French-language policy prepared for Québec transactions.
Account Questions, Disputes, and Collection Practices
Customers should promptly report any concern regarding a statement, payment application, balance, or account notice through Shopify Live Chat or the official Shopify Contact Form, and should provide the quotation or invoice number, business name, disputed amount, reason for the dispute, and a description of any supporting records. DioLaz will provide separate instructions if documents are required. Do not submit passwords, bank-login credentials, full payment-card numbers, or government-issued identification in an initial public chat or contact-form message.
DioLaz will review the concern and may request additional information. Undisputed amounts remain payable when due unless DioLaz agrees otherwise in writing. Payments may be applied in the order stated in the signed agreement, including to the oldest due amount, lawful charges, accrued interest, and principal, as applicable.
If an account becomes overdue, DioLaz may send reminders, request updated payment information, discuss a lawful payment arrangement, exercise contractual remedies, or refer the matter to legal counsel or a licensed third-party collection provider where permitted. DioLaz does not authorize harassment, threats, false statements, or unauthorized disclosure to third parties in connection with debt collection.
Required Documents, Order of Precedence, and Policy Changes
16.1 Typical Transaction Documents
The required package may include:
- official quotation or pro forma quotation and invoice;
- financing application and business-use certification;
- privacy, credit, and account-communications consent;
- in-house financing agreement and payment schedule;
- post-dated cheque schedule or recurring-card authorization;
- personal or corporate guarantee, security agreement, and registry authorization, where required;
- delivery, installation, serial-number, and acceptance certificate; and
- Québec French-language documents and language acknowledgement/election, where applicable.
16.2 Order of Precedence
In the event of an inconsistency, the following order generally applies, subject to mandatory law:
- non-waivable applicable law and any legally controlling French-language document;
- the signed financing agreement, security agreement, guarantee, and written amendments;
- the accepted quotation, invoice, and payment schedule;
- this Policy; and
- general website descriptions or sales communications.
16.3 Changes to this Policy
DioLaz may update, suspend, or discontinue this program or Policy prospectively at any time. The version applicable to an applicant is normally the version referenced in, attached to, or in effect when DioLaz issues the applicant-specific quotation, unless the signed transaction documents state otherwise. A policy update does not retroactively change a completed financing agreement without written agreement or a legal requirement.
16.4 Governing Law
The governing law, forum, and any province-specific rights or disclosures will be stated in the signed transaction documents, subject to mandatory federal, provincial, and territorial law.
Frequently Asked Questions
Who may apply?
Approved Canadian clinics, medical aesthetic practices, sole proprietors, and other business purchasers acquiring eligible equipment for documented commercial or professional use.
Is approval guaranteed?
No. Financing is discretionary and remains subject to application review, supporting documents, credit/privacy consent, written approval, cleared funds, and signed transaction documents.
How much is due upfront?
The initial amount due is the fixed 40% initial equipment payment calculated on the net pre-tax eligible equipment price, plus all applicable sales taxes on the full taxable sale, plus any non-financed item or charge.
Are sales taxes financed?
No, under the standard program all applicable sales taxes on the full taxable sale are due upfront and are not part of the financed principal, unless the signed transaction documents expressly state otherwise.
Can I change the 40% initial equipment payment?
The closing initial equipment payment is fixed at 40% of the net pre-tax eligible equipment price and is not adjusted case by case. After the plan is activated, you may make a partial or full prepayment without penalty.
What terms and APRs are available?
The current standard options are 3 months at 0.00% APR, 6 months at 3.99% APR, and 12 months at 6.99% APR, subject to approval and the final signed documents.
How are monthly payments calculated?
Payments are generally calculated using equal-payment amortization over the approved term. Amounts are rounded to the nearest cent, and the final payment may be adjusted slightly for rounding.
Can I pay off the financing early?
Yes. You may prepay all or part of the outstanding balance without a prepayment fee or penalty. Contact DioLaz for a written payoff amount or revised instructions.
What happens if a payment is late?
Where permitted by law and stated in the signed agreement, a simple, non-compounding late charge of 2.00% per month (24.00% per annum) may apply to the overdue instalment only. Other remedies are governed by the signed agreement and applicable law.
Does financing change the Refund or Warranty Policy?
No. Financing changes payment timing only. Return, refund, repair, replacement, warranty, training, shipping, and support rights remain governed by the applicable DioLaz policy, signed sale documents, and mandatory law.
Will DioLaz perform a credit check?
DioLaz may verify identity, business, financial, payment, credit, and reference information as part of its review. A credit bureau inquiry will be performed only with the consent or other lawful authority required.
What applies to a Québec transaction?
Where required by Québec law, the French versions of contracts of adhesion and related documents will be provided first. A non-French version will be used only after the French version has been provided and the applicant has expressly chosen the other language as required by law.
How should I contact DioLaz about financing?
Use the Shopify Live Chat button displayed on the storefront. If Live Chat is unavailable, use the official Shopify Contact Form. This page does not expose or activate a direct DioLaz email address.
This Policy is provided for operational transparency and customer information. It does not provide legal, accounting, or tax advice to an applicant and does not waive any right or obligation imposed by applicable law. DioLaz Canada Inc. may require additional province-specific documentation or conditions before approving a transaction.