LoansDirectory.ca values your privacy and is committed to maintaining the accuracy, confidentiality and security of your personal information. LoansDirectory.ca has created this Privacy Policy to let you know what information we may collect from you on the publicly available portion of LoansDirectory.ca and through various other interactions with you, and how we may use and share that information. Please take a moment to review the terms of our Privacy Policy. By using LoansDirectory.ca and/or providing us Personal Information, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or provide us any Personal Information. This Privacy Policy applies to information that we collect on the Site and to information which we may collect by other “offline” means, including, without limitation, sales calls and other business transactions. Privacy Policy was last updated on October 15, 2020.
“You” or “Your” means you as a visitor or user of the LoansDirectory.ca website. “We” or “Our” or “Us” means LoansDirectory.ca. “Our site” or “Our Website” means LoansDirectory.ca.
All information transmitted, printed or otherwise submitted to LoansDirectory.ca via this website shall be deemed to be the property of LoansDirectory.ca and LoansDirectory.ca shall be free to use such information for any lawful purpose as detailed herein.
We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
What Information We Collect From Our Website
We automatically collect and/or track the following:
- web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
- information knowingly provided by you through on-line forms, registration forms, surveys, and or other entries, such as email addresses, personal, financial or demographic information;
- information, user specific or aggregate, on what pages our visitors access and
e-mail addresses of visitors that communicate with LoansDirectory.ca via e-mail or fill out the “Contact Us” section of Our Website.
If you communicate with us via e-mail or via the “Contact Us” section, we will keep those messages, as well as a record of our responses. We protect this information in the same way that we protect telephone and mail communications.
We keep your information for as long as your account is active. We will retain your information as necessary to comply with legal obligations, resolve disputes and to enforce our agreements.
How We Use That Information
LoansDirectory.ca uses personal information in the course of its business including for the purposes of establishing and verifying identity and the accuracy and completeness of other information provided, verifying creditworthiness and determining eligibility for loan amounts, verifying and determining employment, references and contact information for underwriting, debt collection and fraud avoidance; servicing loans, providing ongoing services and responding to questions, contacting customers for the purposes of administering their account, confirming contact information and collecting debts, administering our business and maintaining records for reasonable periods, meeting legal, regulatory, insurance, security and processing requirements, preventing fraud or abuse, and otherwise with your consent or as permitted or required by law.
We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.
LoansDirectory.ca and other third parties (including other lenders) may contact you via mail, telephone, email, SMS or other method (as permitted by law) regarding financial offers and other promotions that may be of interest to you. You may notify LoansDirectory.ca at any time if you do not wish to receive these offers.
Disclosure of Data to Third Parties
If you choose to provide personal information, it will be used for the following purposes:
- matching your application with a Short-Term loan lender within our network.
- for marketing products and services which we determine, in our sole judgment, that you might find of interest.
We may sometimes use other businesses to perform certain services for us, such as maintaining the Site and our e-mail services and processing inquiries. We may provide Personal Information to those businesses when that information is necessary for them to complete a requested transaction or otherwise perform their duties. LoansDirectory.ca will take reasonable steps to ensure that these third-party service providers are obligated to protect Personal Information on LoansDirectory.ca’s behalf.
LoansDirectory.ca may disclose personal information to collect debts itself or to collect debts through collection agencies including affiliates acting in this capacity. LoansDirectory.ca may disclose personal information to organizations who help us locate customers for debt collections purposes. LoansDirectory.ca may also disclose personal information to financial institutions for payment processing purposes.
We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be carefully pre-screened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
Cookies
In a manner similar to virtually all commercial or business websites we use “Cookies” to store information. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.
We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.
We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.
Links
The LoansDirectory.ca website may contain links to other sites. Please be aware that LoansDirectory.ca is not responsible for the privacy practices of other sites visited via these links. We strongly encourage our users, whenever leaving our site, to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected on this website
Security and fraud
Our Site uses a variety of security technologies to protect your personal information. When information is transmitted over the internet we protect through use of encryption, such as the SSL (Secure Socket Layer) protocol. No method of transmission, over the internet, or mode of storage, is 100% secure. As a result, we cannot guarantee its 100% security. Authorized employees and agents of LoansDirectory.ca who require access to your personal information in order to fulfill their job requirements will have access to your personal information. Furthermore, all employees are kept up-to-date on our current security and privacy practices. If false or inaccurate information is provided, the information will be passed on to appropriate law enforcement agencies.
Your Opt-Out Rights
You can be placed on a “do not contact” list for future marketing, text or email messages by clicking on any message with a “remove” in the subject line or body of the message. You may also send an email to privacy@loansdirectory.ca with a “remove” in the subject line or body of the message.
We Do Not Intend To Collect Data From Children
The information and services provided us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old, or under 19 years old in BC). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside LoansDirectory.ca.
Our Right To Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.
Privacy Policy Changes:
From time to time the privacy policy is changed due to advancing technology, new laws, etc. We will notify you of any material changes to this Privacy Policy by posting a notice on the homepage of the Site for a reasonable period of time after such changes are made that this Privacy Policy has been updated and by changing the “Last Modified” date at the top of this Privacy Policy. You should always read the privacy policy of any site you visit, even if you have gone there before, just to make sure nothing has changed. We would not use your information in a manner that is not in accordance with this privacy policy. We encourage you to check this page periodically for any changes. Your continued use of the Site following the posting of changes to these terms will mean you accept those changes.
Contacting Us
Please contact us with any questions, concerns, complaints or requests for further information about our privacy policies and procedures via email at privacy@loansdirectory.ca.
