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Privacy Policy

Consent
By providing credit arrangers Incorporated with your personal information, you consent to the collection, use, disclosure, and retention of that information by the credit arrangers Incorporated and other vendor, dealer, or supplier of credit arrangers Incorporated in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to credit arrangers Incorporated, but then you might not be able to proceed with your intended interactions or transactions with credit arrangers Incorporated or otherwise receive the full benefit of credit arrangers Incorporated’s products and services.

Personal Information

In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.

Information That credit arrangers Incorporated Collects
(a) Information You Provide
You may be asked to voluntarily give your personal information to credit arrangers Incorporated when you interact, orally, in writing, or by electronic transmission, with credit arrangers Incorporated, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by credit arrangers Incorporated or use a product or service provided by credit arrangers Incorporated. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with credit arrangers Incorporated or otherwise receive the full benefit of the desired product or service. Telephone calls between you and credit arrangers Incorporated will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify credit arrangers Incorporated is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.

(b) Automated Collection
credit arrangers Incorporated may automatically collect certain information regarding your use of the credit arrangers Incorporated’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.

credit arrangers Incorporated’s websites, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels, or tags) to collect information that assists credit arrangers Incorporated to improve its products, services, customer communications and advertising and to prevent fraud. credit arrangers Incorporated may use information that it collects through technological means to recognize you as a user of the credit arrangers Incorporated’s websites or online services, to facilitate and improve your use of credit arrangers Incorporated’s websites or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.

Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and credit arrangers Incorporated will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

(c) Credit Reports
When you apply or register for, order or use certain products or services from credit arrangers Incorporated (e.g. a referral to a car dealer for a financed car purchase), credit arrangers Incorporated may obtain your credit score and related information from a credit reporting agency to process or fulfill the transaction.credit arrangers Incorporated may continue to periodically obtain your credit score and related information from a credit reporting agency to update your confidential profile for use bycredit arrangers Incorporated as set out in this Privacy Policy. Upon your request we will inform you if we have ordered such a report or reports, and will give you the name and address of the credit reporting agency that furnished the report or reports.

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application [for credit, extending credit, modifying the terms of your credit agreement, or collection on your account.]

(d) Information Regarding Referred Transactions
If credit arrangers Incorporated refers you to an independent business (e.g. a car dealer, lender, or credit card company) for a proposed transaction (e.g. a car purchase, loan, or credit card), then credit arrangers Incorporated may collect from that independent business information regarding the transaction to update your confidential profile for use by credit arrangers Incorporated as set out in this Privacy Policy.

How credit arrangers Incorporated Uses Personal Information

(a) General
credit arrangers Incorporated uses your personal information collected for purposes relating to or arising from your relationship and transactions with credit arrangers Incorporated and as otherwise set out in this Privacy Policy or permitted by applicable law, including:

to administer your relationship with credit arrangers Incorporated, including to create and manage your account or membership with credit arrangers Incorporated and to contact and correspond with you regarding those matters;
to facilitate your interactions and transactions with credit arrangers Incorporated, including to process your applications, requests, orders and payments;
to provide products and services to you;
to process and respond to your inquiries, requests and other communications;
to provide you with information (including by email and other electronic messages) regarding credit arrangers Incorporated and its products and services and related products and services offered by other businesses, to the extent permitted by applicable law;
to administer and facilitate your participation in contests and promotions related to credit arrangers Incorporated;
to maintain, protect and improve credit arrangers Incorporated’s products and services and to develop new products and services;
to protect and enforce credit arrangers Incorporated’s legal rights, interests and remedies and to protect the business, operations and customers of credit arrangers Incorporated or other persons; and
to assist other credit arrangers Incorporated to collect, use, disclose and retain your personal information in accordance with this Privacy Policy.
(b) credit arrangers Incorporated
credit arrangers Incorporated may share your personal information with all credit arrangers Incorporated authorized vendors, suppliers, and dealers, and credit arrangers Incorporated may develop, maintain and share a confidential profile for you for use by each credit arrangers Incorporated authorized vendors, suppliers, and dealers, to provide information, products and services to you, to facilitate your dealings with each authorized vendors, suppliers, and dealers of credit arrangers Incorporated and as otherwise set out in this Privacy Policy.

(c) Interest-Based Advertising
credit arrangers Incorporated may use interest-based advertising services (sometimes called “remarketing” or “retargeting”) provided by third party vendors (such as Google and Facebook) to display advertisements on third party websites and social media sites visited by users of a credit arrangers Incorporated website. Advertising vendors (such as Google and Facebook) use cookies, pixels or tokens – unique identifiers of a web browser on a specific computer that are installed on the computer when it accesses credit arrangers Incorporated websites – to display ads based on the computer’s past access to credit arrangers Incorporated websites. You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings. You can also opt out of a remarketing vendor’s use of cookies by visiting the Network Advertising Initiative’s consumer opt-out page.

How credit arrangers Incorporated Discloses Personal Information

(a) General
credit arrangers Incorporated discloses your personal information for purposes relating to or arising from your relationship and transactions with credit arrangers Incorporated and as otherwise set out in this Privacy Policy or permitted by applicable law.

(b) Specific Consents
credit arrangers Incorporated may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the credit arrangers Incorporated.

(c) Referred Transactions
If credit arrangers Incorporated refers you to an independent business (e.g. a car dealer, lender, or credit card company) for a proposed transaction (e.g. a car purchase, loan, or credit card application), then credit arrangers Incorporated may disclose your personal information (including your credit score and related personal information) to the independent business to facilitate the proposed transaction. credit arrangers Incorporated has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.

(d) Suppliers and Service Providers
credit arrangers Incorporated may disclose your personal information to its suppliers and service providers (including fraud prevention services and payment processors) to assist credit arrangers Incorporated in the provision of information, products and services to you, to provide services to credit arrangers Incorporated, to assist credit arrangers Incorporated to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.

(e) Law Enforcement/Legal Disclosures
credit arrangers Incorporated may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. credit arrangers Incorporated may disclose your personal information to law enforcement agencies or other independent organizations if credit arrangers Incorporated reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement, or other issues of public importance, or if credit arrangers Incorporated reasonably believes the disclosure is necessary or appropriate to protect and enforce credit arrangers Incorporated’s legal rights, interests and remedies or to protect the rights, interests, business, operations or customers of credit arrangers Incorporated or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of credit arrangers Incorporated’s products or services). credit arrangers Incorporated has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom credit arrangers Incorporated discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.

(f) Business Transactions
credit arrangers Incorporated may disclose your personal information in connection with a proposed or actual business transaction in which credit arrangers Incorporated is involved (such as a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of credit arrangers Incorporated’s business or assets), but credit arrangers Incorporated will require the information recipient agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.

Location of Personal Information
credit arrangers Incorporated and its service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to credit arrangers Incorporated, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.

Retention of Personal Information
credit arrangers Incorporated retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with credit arrangers Incorporated’s legal obligations or enforce or protect credit arrangers Incorporated’s legal rights, or a longer period required or permitted by applicable law. credit arrangers Incorporated will delete or dispose of your personal information when credit arrangers Incorporated is no longer reasonably required to retain the information for the purposes set out or referenced in this Privacy Policy.

Protection of Personal Information
credit arrangers Incorporated uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures – appropriate to the sensitivity of the personal information in credit arrangers Incorporated’s possession or undercredit arrangers Incorporated’s control to help protect the information from unauthorized access, collection, use, disclosure, disposal or similar risks. Nevertheless, security risks cannot be eliminated andcredit arrangers Incorporated cannot guarantee that your personal information will not be used, disclosed or deleted in ways not otherwise described in this Privacy Policy.

Accuracy and Access to Personal Information
credit arrangers Incorporated will rely on you to ensure that your personal information that you provide to credit arrangers Incorporated is as accurate, complete and up to date as necessary for the purposes for which credit arrangers Incorporated uses the personal information. You will promptly notify credit arrangers Incorporated of any changes to your personal information using the procedures made available for that purpose by credit arrangers Incorporated or by contacting credit arrangers Incorporated’s customer service.

You may reasonably request access to your personal information collected by credit arrangers Incorporated and information about credit arrangers Incorporated’s use, disclosure and retention of that personal information by submitting a written request to credit arrangers Incorporated’s Chief Privacy Officer using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. credit arrangers Incorporated may decline to process a request that is unreasonably repetitive, frivolous, vexatious, or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.

Non-Personal Information

credit arrangers Incorporated creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. credit arrangers Incorporated may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever. If non-personal information is combined with personal information, then credit arrangers Incorporated will treat the combined non-personal information as personal information for the purposes of this Privacy Policy for as long as the non-personal information is combined.

Other Websites and Businesses
credit arrangers Incorporated’s websites and correspondence (including emails and messages) may include advertisements for products and services (e.g. car sales, personal loans and credit cards) offered by independent businesses (that may have a financial relationship with credit arrangers Incorporated) or links to websites operated by independent businesses (e.g. car dealers, lenders, and credit card providers). credit arrangers Incorporated has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.

Other Matters
(a) Disclaimers, Liability Exclusions/Limitations and Disputes: The agreements (including any subscription agreement, membership agreement or terms of service or use) that you accept when you apply, register for, order or use credit arrangers Incorporated’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability ofcredit arrangers Incorporated and other persons (including service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy orcredit arrangers Incorporated’s collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they had been reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.

(b) Changes to this Policy: credit arrangers Incorporated may change this Privacy Policy from time to time by posting a new version of this Privacy Policy on thecredit arrangers Incorporated’s website. credit arrangers Incorporated’s collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with a credit arrangers Incorporated after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.

(c) English Language: You and credit arrangers Incorporated have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent et exigent expressement que cette Politique de Confidentialité et tous les documents qui s’y rapportent soient rédigés en anglais.

(d) Contacting credit arrangers Incorporated’s Chief Privacy Officer: If you have any comments or questions about this Privacy Policy or how credit arrangers Incorporated deals with your personal information, please contact credit arrangers Incorporated’s Chief Privacy Officer by mail or email at: credit arrangers Incorporated – Chief Privacy Officer, 37 Black Rock Lane, Halifax, NS, B3V 1J9; email: hello@credit arrangers.