Privacy Policy

Welcome to ThePaydayLoans.ca. Our Privacy Policy applies to all prospective, current and former customers and may change from time to time with or without notice. However, if we intend to use or disclose personal information for purposes materially different that those described in this Policy, we will make reasonable efforts to notify affected individuals, including by posting a revised Policy on this website. Please visit this website often to obtain a current copy of the Privacy Policy.

Your consent

By visiting our website, submitting your details and/or using our service you accept this Privacy Policy and expressly consent to the collection, use and disclosure of your personal information in the manner described below. If you object to the collection, use and disclosure of your personal information as described please do not use this site.

Security

We recognize the need for appropriate protection and management of the personal and financial information you share with us. We take reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

Collecting your data

In addition to the information we collect from your online application, we may also collect information about: your loan, such as your current and historical loan amount, payment history and similar information; any inquiries or complaints you make; and your online account with us. We may also collect information from outside sources such as credit bureaus, including information about your credit history and financial dealings, and other information with your consent or as permitted or required by law.

Additional online data collection

In addition to the personal and financial information you submit, we may collect information about your computer including, where available, your IP address, operating system and browser type – for system administration and marketing purposes. We may also collect statistical data about browsing on our website. This information does not identify any individual. We may also obtain information about your general Internet usage by using cookies that enable us to improve our service to you, estimate our audience size, store information about your preferences and recognize you when you return to our site. Please note that third parties who advertise on our site may also use cookies, but we do not have access to, or control over them.

Use of your data

We generally use your personal information for the purposes of administering our business including to:

• Verify your identity and the accuracy of the information you provide to us;
• Evaluate your loan application;
• Administer and service your loan;
• Remember you and your information when you return to our website;
• Manage, administer, collect or otherwise enforce accounts and to defend and bring legal actions;
• Understand and determine your eligibility or suitability for our products or services;
• Conduct market research and analysis;
• Identify and prevent fraud, money laundering and other criminal activities;
• Send you information about products or services we offer, unless you have asked us not to

We use Google Analytics service to record and analyze your behavior on our website. We do not record or send any personally identifiable information entered in our website to Google Analytics. We are using this information to understand usage and make improvements to our application form and the website as a whole. In order to provide the best possible service, calls to ThePaydayLoans.ca may be recorded and/or monitored for quality checks and staff training. Recordings may also be used to help us combat fraud. We may also use your personal information for other purposes with your consent or as permitted or required by law.

Transfer of personal information to service providers

Besides sharing your information with licensed brokers and lenders for the purposes of processing your loan, we may transfer personal information to outside agents or service providers (including affiliates acting in this capacity) that perform services on our behalf, for example call center, customer service, mailing, marketing, IT, hosting or similar services, collections, or otherwise to collect, use, disclose, store or process personal information on our behalf for the purposes described in this Privacy Policy. All service providers are bound by contract to maintain the security of your personal information. However, our service providers may be subject to legal requirements in Canada, for example lawful requirements to disclose personal information to government authorities.

Selling and disclosing your data to third parties

We may disclose your personal information in a number of circumstances, including:

• To credit bureaus, credit reporting agencies, fraud prevention agencies and to your current or future creditors for the purpose of maintaining your credit history and providing credit references;
• To collection agencies to collect a debt owed to us;
• To financial institutions for payment processing purposes;
• To third parties as reasonably necessary;
• For any other purpose to which you consent or that is permitted or required by privacy law or any other applicable law.

We may also share your data with selected third parties (including other lenders) who may use it to contact you by mail, telephone, email, SMS or other method as permitted by law in relation to offers they feel might interest you, whether or not we enter into an agreement with you. In addition, we may disclose your personal information to a third party:

• In the event we sell or buy any business or assets
• If our business or substantially all of its assets are acquired by a third party
• If we have a duty to disclose your personal data in order to comply with a legal request, or in order to enforce any of our terms and conditions.

Contact from ThePaydayLoans.ca and third parties

As part of the application process, we ask you whether we may contact you about our products and services by telephone, mail, email and SMS (or other reasonable method). If you clicked “yes” but no longer wish to receive such communications, please send an e-mail to [email protected] asking to be removed from future communications.

Third party links

Our site may contain links to third party websites. If you follow a link to any of these websites, please note that these websites have their own terms and privacy policies and that we do not accept any responsibility or liability for them. We are not responsible for the services or representations of third parties.

Age

To register with us you must be over the age of majority in your province or territory of residence.

Access, Correction and Contacting Us

We may establish and maintain a file of your personal information for the purposes described above. If you wish to request access or correction of your personal information in our custody or control, you may write to [email protected] Your right to access or correct your personal information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections. If you wish to make inquiries or complaints or have other concerns about our personal information practices, you may write to [email protected]