Privacy Policy for Auto Lending Canada
Effective Date: November of 2022
Last Updated: October 1st, 2024
1. Introduction
At Auto Lending Canada (“we,” “us,” “our”), your privacy is a priority.
This Privacy Policy explains how we collect, use, disclose, and protect your personal information in compliance with British Columbia's Personal Information Protection Act (PIPA) and applicable Canadian privacy laws.
By using our website (https://approvalscanada.ca) or services, you agree to the terms outlined in this Privacy Policy.
If you do not agree, please refrain from using our website or services.
2. Definitions
- Personal Information: Information about an identifiable individual, including but not limited to name, contact details, financial details, and credit history.
- Consent: Voluntary agreement to collect, use, or disclose personal information.
3. Information We Collect
We collect personal information directly from you, from third parties, and through automated technologies:
- Information You Provide Directly:
- Name, address, email, phone number
- Date of birth and government-issued ID
- Employment and income details
- Financial and credit information
- Vehicle information (e.g., make, model, trade-in value)
- Other details relevant to loan applications
- Information Collected from Third Parties:
- Credit reports from Equifax, TransUnion, or other credit bureaus
- Partner lenders and dealerships
- Publicly available information
- Information Collected Automatically:
- IP address, device identifiers, and geolocation
- Browser type, operating system, and website usage
- Cookies and tracking technologies (see Section 8)
4. Purpose of Collecting Personal Information
We collect and use personal information to:
- Process loan applications and assess eligibility
- Facilitate vehicle financing and purchase transactions
- Provide tailored recommendations and services
- Improve website functionality and user experience
- Deliver targeted advertisements (with consent)
- Comply with legal obligations
5. Disclosure of Personal Information
We may share personal information with:
- Credit bureaus, lenders, and dealerships
- Service providers assisting in delivering our services
- Legal or regulatory authorities, as required by law
- Affiliates or third parties for business transactions (e.g., mergers or acquisitions)
We do not sell personal information to third parties.
6. Retention of Personal Information
We retain personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. Data no longer needed will be securely destroyed.
7. Security Measures
We implement industry-standard security measures to protect personal information from unauthorized access, use, or disclosure, including encryption, secure servers, and access controls.
8. Cookies and Tracking Technologies
We use cookies to:
- Enhance website performance and functionality
- Analyze website traffic and usage
- Deliver relevant advertisements
You can disable cookies in your browser settings, but some features may be limited.
9. Your Rights
- Access and Correction: You may request access to or correction of your personal information by contacting us at legal@approvalscanada.ca.
- Withdraw Consent: You may withdraw consent for data collection, though this may limit our ability to provide services.
- Opt-Out: You may opt out of marketing communications by clicking “unsubscribe” in emails or contacting us.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices or content.
11. Updates to This Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Changes will be posted on our website, and continued use constitutes acceptance.
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